Saltarelli worked for Future Ford and had his health insurance under its group plan. He then went to work at a Bob Baker dealership and signed up for its insurance. However, because Baker’s policy had a three-month waiting period, this coverage did not start until April 8. Saltarelli therefore continued his coverage with Future through April. On May 4, Saltarelli was diagnosed with stomach cancer, and he died on May 29. When his estate tried to collect for his medical bills, Baker refused to pay, citing a statement in the definitions section of a 43-page booklet describing the plan that excluded preexisting conditions such as cancer. Was the term effectively and fairly communicated?