OPINION ON MOTION FOR REHEARING
LEE DUGGAN, Jr., Justice (Assigned).
We grant the appellant's motion for rehearing, withdraw our previous opinion, and substitute the following. We deny appellee's motion for rehearing.
Appellant, Bette H. Darby, formerly known as Bette H. Magnuson, sued her hospitalization insurance carrier, appellee Jefferson Life Insurance Company (Jefferson Life), after it denied her medical insurance
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