Philadelphia American Life Ins. v. Charles Buckles

This case involves the interpretation of a provision in a supplemental cancer and specified disease insurance policy. Charles Buckles (“Buckles”) contends that the district court erred in finding that the term “actual charges incurred” is unambiguous and “means the actual amount accepted by a health care provider as full satisfaction of the insured’s obligations for treatment covered by the Policy.” (R.6-128 at 37.) Instead, Buckles argues that “actual charges incurred” is synonymous with “actual charges,” the amount that the health care provider bills for services, which is generally higher…