Marjorie Booton v. Lockheed Medical Benefit Plan

OPINION

KOZINSKI, Circuit Judge.

Marjorie Booton’s first misfortune was being kicked in the teeth by a horse. Her second was being rebuffed by a medical insurer that seemed not to understand — or want to understand — the nature of her first misfortune.

I

At the time Booton was injured, she was covered by a‘ medical insurance policy that excluded ordinary dental work, but did cover work “required on account of accidental injury to natural teeth.” Lockheed Medical Benefit Plan, Article II, § A^laCl). 1

Booton’s injury left four of her front teeth “hanging from her gums.” 2 Booton’s dentists labored…