BAUER, Circuit Judge.
At all times relevant to this action, Plaintiffs-Appellants Patrick and Claudette Munro were covered by a health insurance policy issued by Defendant-Appellee Golden Rule Insurance Company. From March 1999 through March 2002, Claudette Munro incurred medical bills in connection with a series of hospital visits. Golden Rule paid $289,650.91 of these bills but contested inpatient expenses totaling $3,885.01, arguing that they were not covered under...
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