Kinzie v. Physician's Liability Insurance Co.

REYNOLDS, Judge:

As an employee of the Oklahoma City Clinic, Karin Kinzie obtained comprehensive medical insurance coverage from Physician’s Liability Insurance Co. (hereinafter referred to as “PLICO”), effective May 1, 1982. In September, 1982, Mrs. Kinzie began treatment at the Oklahoma City Clinic for infertility. She received both outpatient surgery as well as inpatient surgery and hospitalization for an attempted tubo-plasty. This surgery was designed to surgically repair Mrs. Kinzie’s fallopian tube, obstructed by adhesion formation, in the hope that she could become fertile.

The expenses…