The trial court wrongly granted a health insurer summary judgment on the insured’s bad faith and UCL claims. The insured’s son was autistic and, before he turned 7 was given 157 hours a month of insured treatments. When he turned 7, Magellan reduced the monthly allotment to 57 hours. On the insured’s appeal to the Department of Managed Health Care, two of three independent examining doctors favored the insured, and Magellan then restored the original 157 hour allotment. However, the fact that there was a dissenter on the panel didn’t prove that Magellan had reasonable cause to deny coverage of the 157 hours. First, the dissenter urged lower hours because he thought the treatment was not proven successful, whereas Magellan said it was denying those hours because the child had shown substantial improvement. Second, the insured alleged that the insurer automatically reduced treatment for autism at age 7 regardless of the indiviual circumstances, and that practice could be both bad faith and a UCL violation.