In Hughes v. Blue Cross of Northern California (1989) 215 Cal. App. 3d 832, the parents of a young man suffering from serious mental disorder sued their health insurer for refusing to cover all their son's hospital expenses. The insurer denied coverage on the ground that the hospitalizations were not medically necessary. ( Id. at pp. 838, 841.) The judgment against the insurer was upheld because "the jury could reasonably infer from the testimony of the insurer's psychiatric consultant that the insurer employed a standard of medical necessity sufficiently at variance with community standards to constitute bad faith." ( Id. at p. 846.)