NOT FOR PUBLICATION FILED

UNITED STATES COURT OF APPEALS JUN 6 2024

MOLLY C. DWYER, CLERK

U.S. COURT OF APPEALS

FOR THE NINTH CIRCUIT

N.C., individually and on behalf of minor No. 23-35381

A.C.,

D.C. No. 2:21-cv-01257-JHC Plaintiff-Appellee,

v. MEMORANDUM*

PREMERA BLUE CROSS,

Defendant-Appellant.

Appeal from the United States District Court for the Western District of Washington John H. Chun, District Judge, Presiding

Submitted June 4, 2024** San Francisco, California

Before: MILLER and BUMATAY, Circuit Judges, and BENNETT,*** District Judge.

Premera Blue Cross appeals the district court’s grant of summary judgment in

* This disposition is not appropriate for publication and is not precedent except as provided by Ninth Circuit Rule 36-3. ** The panel unanimously concludes this case is suitable for decision without oral argument. See Fed. R. App. P. 34(a)(2). *** The Honorable Richard D. Bennett, United States District Judge for the District of Maryland, sitting by designation. favor of Plaintiff-Appellee N.C. on her claim for recovery of benefits under the

Employee Retirement Income Security Act (“ERISA”), 29 U.S.C. § 1132(a)(1)(B).

Premera challenges the district court’s conclusion on de novo review that

A.C.’s 14-month stay at Change Academy was medically necessary under the plan.

Premera also challenges the district court’s consideration of two sets of guidelines

from the American Academy of Child and Adolescent Psychiatry (“AACAP”)

suggested by N.C.: Principles of Care for Treatment of Children and Adolescents

with Mental Illnesses in Residential Treatment Centers (“Principles of Care”) and

Practice Parameter for the Assessment and Treatment of Children and Adolescents

with Reactive Attachment Disorder and Disinhibited Social Engagement Disorder

(“RAD Practice Parameter”).

We have jurisdiction under 28 U.S.C. § 1291. We review the district court’s

findings of fact for clear error. Day v. AT & T Disability Income Plan, 685 F.3d 848,

852 (9th Cir. 2012). And we review its conclusions of law de novo. In re Watson,

161 F.3d 593, 596 (9th Cir. 1998). We review the district court’s decision to consider

evidence outside the administrative record for abuse of discretion. Dowdy v. Metro.

Life Ins. Co., 890 F.3d 802, 807 (9th Cir. 2018). We affirm.

1. Because, as Premera concedes, the AACAP RAD Practice Parameter

was part of the administrative record, it was fully within the district court’s discretion

to consult it. See Collier v. Lincoln Life Assurance Co. of Bos., 53 F.4th 1180, 1186

2 (9th Cir. 2022). Moreover, as counsel for Premera conceded below, the district court

was permitted to supplement the record where necessary. “[I]ntroduction of

evidence beyond the administrative record could be considered necessary” where

there is a need for “evidence regarding interpretation of the terms of the plan rather

than specific historical facts.” Opeta v. Nw. Airlines Pension Plan for Contract

Emps., 484 F.3d 1211, 1216 (9th Cir. 2007) (quoting Quesinberry v. Life Ins. Co. of

N. Am., 987 F.2d 1017, 1027 (4th Cir. 1993) (en banc)). Since “generally accepted

standards of medical practice” is ambiguous, the district court did not abuse its

discretion in considering the AACAP Principles of Care.

2. As the district court’s copious citations to the record establish, A.C.’s

treating providers agreed that less intensive treatment settings were ineffective and

that residential treatment was necessary. And Dr. Nair, who treated A.C. at Change

Academy, repeatedly recommended that he continue residential treatment. We have

held that “protecting the reasonable expectations of insureds appropriately serves the

federal policies underlying ERISA.’” LeGras v. AETNA Life Ins. Co., 786 F.3d 1233,

1237 (9th Cir. 2015) (quoting Saltarelli v. Bob Baker Grp. Med. Tr., 35 F.3d 382,

386 (9th Cir. 1994)). Because the plan does not reference the InterQual criteria, let

alone necessitate their application, it was reasonable for N.C. to expect that treatment

deemed medically necessary by A.C.’s treating physicians would be covered under

the plan. Thus, on de novo review, the district court did not err in concluding that

3 A.C.’s treatment at Change Academy was medically necessary.

AFFIRMED.

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