The three-count federal complaint that C.M. filed against Aetna Inc. and three of its subsidiaries — Coventry Healthcare, Coventry Healthcare of Illinois and MHNet Behavioral Health (respectively referred to as CH, CHI and MHNet) — alleged that the defendants stiffed her on insurance benefits for “inpatient mental health services on a nonconfining basis” by using a proprietary assessment program called the “level of care assessment tool,” or LOCAT, that would never authorize coverage for …