SULLIVAN, Judge.
On March 13, 1993, Andrew Rachal sustained injuries as a result of an accident involving a Union Pacific locomotive which struck a tractor trailer rig driven by Rachal at a railroad crossing on Louisiana Highway 6 near Natchitoches, Louisiana.
Rachal, as the spouse of an employee of the Natchitoches Parish Hospital, filed insurance claims for coverage under the Hospital's self-funded health insurance plan for the medical expenses he incurred...
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