Davis v. Ottumwa Young Men's Christian Ass'n

LARSON, Justice.

Randy Davis was employed by the Ot-tumwa YMCA in late 1982. One of the fringe benefits of this job was coverage under a group health insurance policy with Blue Cross and Blue Shield of Iowa (Blue Cross). Health insurance coverage was critical to Davis because his daughter, Wendy, was a Down’s syndrome child. Wendy soon required extensive medical treatment, and Davis looked to Blue Cross for reimbursement. Blue Cross denied coverage on the ground that Davis’s employer, the YMCA, had allowed the policy to lapse for nonpayment of the premium. This left Davis without any coverage…