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ZHOU v. GUARDIAN LIFE INS. CO. OF AMERICA

No. 02-1074.

295 F.3d 677 (2002)

Jin ZHOU, Plaintiff-Appellant, v. GUARDIAN LIFE INSURANCE COMPANY OF AMERICA, Defendant-Appellee.

United States Court of Appeals, Seventh Circuit.

Decided July 1, 2002.

Rehearing and Rehearing Denied August 13, 2002.

Attorney(s) appearing for the Case

James P. Ginzkey (argued), Hayes, Hammer, Miles, Cox & Ginzkey, Bloomington, IL, for plaintiff-appellant.

Randy J. Curato, Edward M. Graham (argued), Bell, Boyd & Lloyd, Chicago, IL, for defendant-appellee.

BEFORE: FLAUM, Chief Judge, and WOOD, Jr., and MANION, Circuit Judges.

Rehearing and Rehearing En Banc Denied August 13, 2002.

FLAUM, Chief Judge.

Jin Zhou, a licensed chiropractor, treated Arleen Baker from June to October of 2000. Baker participated in an insurance plan for which Guardian Life Insurance Co. of America ("Guardian") administered the claims. Baker assigned Zhou the right to receive payment from Guardian. That is, rather than bill Baker directly, Baker permitted Zhou to submit the costs of his treatment directly...

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