The opinion of the court was delivered by: William J. Hibbler, District Judge
MEMORANDUM OPINION AND ORDER
Plaintiff Susan McDougall brings this civil action against defendants Susan Pelchat and United Parcel Service, Inc. (UPS), pursuant to the Employee Retirement Income Security Act of 1974, 29 U.S.C. § 1001 et seq. McDougall claims that defendants failed to pay for medical procedures allegedly covered under UPS's group health insurance plan. Defendants have moved to dismiss McDougall's complaint pursuant to Fed.R-Civ.P. 12(b)(6). For the reasons below, defendants' motion is denied,
McDougall, as the spouse of a UPS employee, is insured under a UPS comprehensive health care coverage plan administered by Aetna U.S. Healthcare. The present dispute regards McDougall's efforts to obtain insurance coverage for varicose vein removal procedures. The relevant [ Page 2]
facts, garnered from McDougall's amended complaint and exhibits attached thereto*fn1, are summarized below.
In or about September 2000, McDougall sought Aetna's authorization for varicose vein treatment on her right leg. On September 29, 2000, Aetna sent McDougall a letter authorizing a surgical procedure to disconnect and remove the offending veins from McDougall's leg. In the same letter, Aetna rejected coverage for a less invasive procedure that involved the injection of solution into the undesired veins until it could review the doctor's post-operative notes to determine if this alternate procedure was necessary.
On February 12, 2001, McDougall underwent the unauthorized solution procedure and Aetna subsequently refused the resulting insurance claim.*fn2 On March 22, 2001, McDougall wrote Aetna regarding its coverage denial. In this letter, McDougall claimed that her doctor's office properly submitted the required post-operative notes and medical records that would entitle her to full coverage. On May 4, 2001, Aetna replied that it had only authorized the surgical procedure, but McDougall elected the cosmetic, solution option. Aetna directed McDougall to appeal to the UPS human resources department if she disagreed with Aetna's determination.
As directed, McDougall wrote the local UPS human resource department to appeal Aetna's coverage decision. On November 5, 2001, UPS acknowledged receipt of McDougall's appeal and instructed McDougall to submit her doctor's treatment notes relating to the disputed procedure. McDougall complied with UPS's request on January 3, 2002.
On January 17, 2002, UPS wrote McDougall that it was still reviewing her appeal, but did not [ Page 3]
address McDougall's January 3, 2002 submissions. Three months later, McDougall received a letter from Aetna restating the denial of benefits. The letter again directed McDougall to appeal with the local UPS human resources department if she disagreed with their coverage determination. On May 6, 2002, McDougall again complied with Aetna's request. On May 31, 2002, McDougall received yet another letter from Aetna restating their rationale for denying coverage, but received nothing from UPS responding to her May 6, 2002 letter. Accordingly, McDougall sent a final letter to UPS threatening legal action if she did not get a timely response. On August 1, 2002 UPS responded stating that it was sending her concerns to Aetna's appeal board. Then, on August 21, 2002, Aetna issued McDougall a third letter formally denying coverage. At this point, McDougall decided to initiate the present legal proceedings. Defendants now argue that McDougall's amended complaint fails to state a claim because McDougall has not alleged that she exhausted her administrative remedies before filing suit.
A Rule 12(b)(6) motion to dismiss for failure to state a claim is granted only where it is beyond doubt that the plaintiff is unable to prove any set of facts that would entitle her to relief. Conley v. Gibson, 355 U.S. 41, 45-46 (1957). The court must take all well pleaded facts and allegations as true and must view them in the light most favorable to the plaintiff. Ellsworth v. City of Racine, 774 F.2d 182, 184 (7th Cir. 1985), cert. denied, 475 U.S. 1047 (1986). Furthermore, plaintiff is entitled to all reasonable inferences that may be drawn from the complaint. Id.
Defendants argue that McDougall's complaint is deficient because McDougall does not specifically allege that she exhausted her administrative remedies before filing suit. In response, McDougall insists that she followed all relevant ...