Opinion ID: 6334161
Heading Depth: 2
Heading Rank: 2

Heading: January 9 Document and February 19 Document

Text: On January 8, 2014, Aetna sent Warner an email to inform him that Aetna had approved D&S’s application. On January 9, 2014, Aetna sent D&S a fivepage document titled “Final Rates.” This document contained general information about the 2014 Aetna NY Silver Plan that D&S selected, including the total monthly premium, coinsurance levels, and deductible. The January 9 Document disclosed that “[t]his preliminary rate sheet should be read in conjunction with the more detailed benefit descriptions, exclusions and 8 limitations, and underwriting guidelines contained in your product brochures. For more information, please contact your licensed Agent or Sales Representative.” No. 20-3148, App’x at 162. There were no other files attached to the January 9 Document. Warner testified that the January 9 Document “obviously” did not have every term and condition associated with the 2014 Aetna NY Silver Plan. No. 20-3148, App’x at 88, at 98:19-23. At trial, Dunnegan testified that “when I originally got the [January 9 Document] handed to me by [the office manager] on January 9th, my initial reaction was there’s more to this; where’s the rest of it?” No. 20-3148, App’x at 110, at 482:20-22. D&S sent the executed document to Aetna on January 9, 2014. On February 19, Aetna mailed a form letter to D&S enclosing a document purporting to be a group insurance policy. The February 19 Document did not deviate from the model language approved by DFS. Before February 19, 2014, the draft of the February 19 Document existed only in electronic form and was not publicly available. But detailed information about the plan was available to Aetna employees beginning in November 2013, after the plans had been approved by DFS. Aetna employees could access this information to answer questions about benefits under the 2014 Aetna NY Silver Plan. 9