Beck v. Southern Oregon Health Service, Inc.

This is an action against an insurance company to recover the sum of $2,298 paid by plaintiff for dental work performed following an automobile accident. The case was tried before the court, without a jury, under stipulated facts. Defendant appeals from an adverse judgment in the full amount of the claim, contending that the dental work involved was not covered by the insurance policy.

Plaintiff was insured under defendant’s “prepaid hospital doctor plan.” Defendant’s bylaws provide, in an article entitled “Benefits to members”, that no payments will be made for “dental care.” The benefits of…