IN THE UNITED STATES COURT OF APPEALS
                        FOR THE FIFTH CIRCUIT



                            No. 01-30197



Dayanne Denning,

                                           Plaintiff-Appellant,

                                 v.

Air Logistics, LLC, Principal Life Insurance Company, and Air
Logistics, LLC Group Benefit Plan

                                           Defendants-Appellees.


                        --------------------
           Appeal from the United States District Court
               for the Western District of Louisiana
                            (00-CV-1976)
                        --------------------
                           March 21, 2001

Before, KING, Chief Judge, ALDISERT* and BENAVIDES, Circuit
Judges.


PER CURIAM:**

     We must decide whether the district court improperly

interpreted provisions of the Air Logistics Group Benefits Plan

(the “Plan”) to deny Appellant Dayanne Denning insurance coverage


     *
      Circuit Judge of the Third Circuit, sitting by
designation.
     **
      Pursuant to 5th Cir. R. 47.5, the court has determined
that this opinion should not be published and is not precedent
except under the limited circumstances set forth in 5th Cir. R.
47.5.4.
for an allogeneic bone marrow transplant.

     The question presents itself in an appeal from the denial of

a preliminary injunction by the district court.    Specifically, we

are required to determine whether the allogeneic transplantation

for the treatment of breast cancer qualifies under the Plan’s

definition of “Medically Necessary Care.”   In the district court,

Appellees successfully argued that the treatment was experimental

and investigative and, therefore, it did not qualify under the

Plan.

     The district court had jurisdiction pursuant to the

Employment Retirement Income Security Act (ERISA), 29 U.S.C. §

1001, et seq.   We have jurisdiction pursuant to 28 U.S.C. § 1292.

                                I.

     Appellant is a 41-year old woman who suffers from Stage IV

metastatic breast cancer.   Cancer is typically classified in

terms of five stages of increasing severity from Stage I to Stage

V.   In connection with breast cancer, “Stage IV” signifies that

the cancer cells have metastasized, i.e., spread to areas outside

of the breast, the original site of the disease.   Appellant was

found to have metastatic disease in the liver, thoracic and

lumbar spine.

     Appellant is the beneficiary of a self-insured plan of her

husband’s employer, Air Logistics, LLC.   The Claims Administrator


                                 2
for the Plan is Principal Life Insurance Company (“Principal” or

“Administrator”), who administers it pursuant to ERISA.

     On November 23, 1999, Appellant’s physician, Dr. James

Gajewski, Associate Professor of Medicine, Department of Blood

and Marrow Transplantation at the University of Texas M.D.

Anderson Cancer Center, examined Appellant for consideration for

a bone marrow transplant to treat her cancer.   He informed her

that she would first be treated with standard chemotherapy.    If

she received an optimal response, either an allogeneic or an

autologous transplant would be considered.   On that date, Dr.

Gajewski wrote a letter to Principal asking for authorization for

either the allogeneic or autologous bone marrow transplant.    In

the letter, Dr. Gajewski explained that metastatic breast cancer

involving the bone marrow or liver has an especially poor

prognosis with a median survival of less than six months after

receiving standard dose chemotherapy.   Record Excerpts at Tab 2.

     Research regarding transplantation for breast cancer is

relatively recent with few published studies in medical

literature.   An allogeneic transplant is when a person receives

bone marrow or stem cells from a donor.   The other type of

transplantation that has been used in the treatment of breast

cancer, autologous transplantation, is a procedure in which bone

marrow or stem cells are removed from the patient and then given


                                 3
back to the patient following intensive chemotherapy.    Under

either transplantation, the patient’s bone marrow is removed and

the patient is then subjected to high chemotherapy which

ordinarily would destroy or severely damage the patient’s bone

marrow.

     Appellant had to be pre-certified by the Administrator for

the autologous or allogeneic transplant, but this decision was

stayed pending the outcome of Appellant’s standard chemotherapy

treatment.   On May 18, 2000, Appellant met with Dr. Gajewski for

evaluation of her breast cancer and at that time, he wrote in his

notes that he would try to receive urgent authorization for the

allogeneic transplant procedure.

     After the Administrator had received all of the clinical

information necessary for completion of the pre-certification

process, the materials were transmitted to Dr. James Ostiguy,

Principal’s Assistant Medical Director for his review.    On June

20, 2000, the Administrator declined benefits for the allogeneic

treatment.   On June 21, 2000, Appellant requested a review by

outside reviewers.   The three outside experts found the procedure

to be experimental and under continued scientific study.

Appellant received permission to submit two unpublished articles

to the outside experts, her case was then resubmitted for their

review and they filed amended reports.   After an evaluation of


                                   4
all of the pertinent information, the Administrator again denied

benefits for the allogeneic transplantation on the ground that it

was not considered Generally Accepted Treatment for Stage IV

metastatic breast cancer as set forth in the Plan.

                                II.

     To prove that she has a substantial likelihood that she will

succeed on the merits of her claim, Appellant must establish that

the allogeneic bone marrow transplant is covered by the Plan.     To

consider this, we begin with the relevant portions of the Plan.

     In the Booklet Rider, the “Covered Transplants” section

provides that human-to-human organ or bone marrow transplant

procedures are covered “when it is Medically Necessary Care.”     A

bone marrow transplant or peripheral stem cell infusion is

covered when, “a positive response to standard medical treatment

or chemotherapy has been documented.”

     “Medically Necessary Care” is defined in the policy as

follows:   “Medically Necessary Care means as determined by the

Claims Administrator, any confinement, treatment or service that

is prescribed by a Physician and considered to be necessary and

appropriate and not in conflict with Generally Accepted medical

standards.”   Record Excerpts at Tab 11.

     “Generally Accepted” is defined as follows:

           Generally Accepted means Treatment or Service:


                                 5
          -      has been accepted as the standard of practice
                 according to the prevailing opinion among experts
                 as shown by (or in) articles published in
                 authoritative peer reviewed medical and scientific
                 literature; and

          -      is in general use in the medical community; and

          -      is not under continued scientific testing or
                 research as a therapy for the particular injury or
                 sickness which is the subject of claim.

12.
                                III.

     This court reviews the denial of a preliminary injunction

for abuse of discretion.    Bernat v. Guadalajara, Inc., 

(5th Cir. 2000); New York Life Ins. Co. v. Gillispie, 

(5th Cir. 2000).

     Appellant is correct when she contends that she prevailed on

the last three prongs of the formulation set forth in Canal

Authority of Florida v. Callaway, 

(5th Cir. 1974).

In Callaway, the court explained that four conditions must exist

for a district court to issue a preliminary injunction:

     (1) a substantial likelihood that plaintiff will prevail on
     the merits, (2) a substantial threat that the plaintiff will
     suffer irreparable injury if the injunction is not granted;
     (3) that the threatened injury to the plaintiff outweighs
     the threatened harm the injunction may do to the defendant;
     and (4) that granting the preliminary injunction will not
     dissolve the public 

.

     In the Fifth Circuit, the moving party must carry the burden

of persuasion on each of the elements of the four-prong test.

                                  6
See 13 JAMES W. MOORE,   ET AL.,   MOORE’S FEDERAL PRACTICE, § 65.22[5][e]

(3d ed. 2000).   Unlike other circuits, which hold that no single

factor is determinative, this circuit requires the moving party

to persuade the court that it meets the threshold on each factor;

otherwise, the court may not issue the injunction.            

has met three of the four prongs, this court must

resolve the issue of whether Appellant can meet the first prong,

that is, whether there is a substantial likelihood that Appellant

will prevail on the merits of her claim.

                                       IV.

     To prove that Appellant has a substantial likelihood of

succeeding on the merits, she must prove that the Administrator's

interpretation is not legally correct and that the Administrator

abused its discretion in denying her claim.           See Wildbur v. Arco

Chemical Co., 

(5th Cir. 1992).           This standard is

utilized by this court to determine whether a claim for benefits

pursuant to an ERISA plan was properly denied when a plan

administrator has discretionary authority to determine

eligibility for benefits and to construe the terms of the plan.

     This inquiry involves a two-step process.            “First a court

must determine the legally correct interpretation of the plan.”

  To do this, the court must consider:           “(1) whether


                                        7
the administrator has given the plan a uniform construction; (2)

whether the interpretation is consistent with a fair reading of

the plan; and (3) any anticipated costs resulting from different

interpretations of the plan.”      

court finds that the plan administrator did not

correctly interpret the plan, it proceeds to the next step, which

requires that it “determine whether the administrator abused its

discretion.”     

court reaches the abuse of discretion

inquiry, the three factors that the court must examine are:     “(1)

the internal consistency of the plan under the administrator’s

interpretation, (2) any relevant regulations formulated by the

appropriate administrative agencies, and (3) the factual

background of the determination and any inferences of lack of

good faith.”     

with the language of the Plan which is set forth

Part 

.    These definitions are not models of clarity and

lack the precision contained in other plans recorded in the case

law that specifically declare that experimental or investigative

medical procedures are not covered.      See Holder v. Prudential

Ins. Co. of America, 

, 90 n.3 (5th Cir. 1992) (“To be

'reasonably necessary,' a service or supply . . . must neither be

educational or experimental in nature . . . .”); see also Fuja v.

Benefit Trust Life Ins. Co., 

, 1408 (7th Cir. 1994)


                                    8
(requiring that the treatment must not be deemed “experimental,

educational or investigational in nature” as one of the five

criteria for meeting the definition of “medically necessary”

under the plan); Dahl-Eimers v. Mutual Omaha Life Ins. Co., 

(11th Cir. 1993) (“A medically necessary service or

supply is defined in the contract as one that . . . (b) is not

considered experimental . . . .”).

     Nevertheless, we must interpret the definitions set forth in

the Plan and apply the language to the situation at issue here.

Because this involves a bone marrow transplant, Appellant is

required to show that “a positive response to standard medical

treatment or chemotherapy has been documented.”   Dr. Gajewski's

July 5, 2000 letter accompanying Appellant’s appeal to the

administrator stated that Appellant initially had a “great

response” to standard chemotherapy, with a decrease in her tumor

markers from 700 to 150.   Record Excerpts at Tab 4.   Dr.

Gajewski's examination notes and his decision to seek

authorization for the allogeneic transplant are sufficient to

support the statement that a positive response to chemotherapy

has been documented.

                                A.

     We must next consider whether Appellant's request for an

allogeneic transplant is “Medically Necessary Care.”    The first


                                 9
part of the definition is met by Appellant.   This procedure has

been prescribed by Appellant's treating physician and is

considered to be “necessary and appropriate” for the treatment of

Appellant's cancer.

     The second part of the definition requires that the

procedure not be “in conflict with Generally Accepted medical

standards.”   Under the definition of “Generally Accepted,” there

are three prongs.   In the view we take of this case, we will

assume that Appellant’s requested procedure is not necessarily in

conflict with the standard of practice according to the

prevailing opinion among those limited experts who specialize in

breast cancer cases or with the treatment that is in general use

in those cases.   The use of an allogeneic transplant for the

treatment of breast cancer, however, seems to be in conflict with

the third prong because the procedure is “under continued

scientific testing or research as a therapy for the particular

injury or sickness which is the subject of the claim.”     

12.

     The feasibility of using this procedure to treat breast

cancer, and more significantly, the success rate in the use of

this treatment for breast cancer, have not been established and

continue to be under scientific testing.   The protocol for the

Phase II clinical study that Appellant would participate in at


                                10
M.D. Anderson has the following objectives:

          1) to assess the feasibility of mini-allogeneic PBPC
          transplantation in patients with recurrent or
          metastatic breast cancer.
          2) to determine the success rate . . . at 100 days
          after the transplant and long-term progression free
          survival rate.
          3) to examine the graft vs. breast cancer effect of
          allogeneic PBPC transplantation.

8 (emphasis added).

     This study comes after two previous studies by M.D.

Anderson, both of which required additional investigation into

the long-term survival rate and noted that allogeneic transplants

for the treatment of breast cancer should only be performed in

clinical trials.   The first study from 1995 reported that

“allogeneic transplantation should only be performed in the

context of clinical trials and its ultimate role requires

demonstration of progression-free survival.”   

10.    The

follow-up study from 1995-2000 reported the following:

     Allogeneic GVM [graft-versus-malignancy] effects may act to
     prevent or delay progression of the malignancy [breast
     cancer]. Additional studies are required to determine if
     progression-free survival can be improved with allogeneic
     transplantation.
                              . . .

     At the time being, allogeneic hematopoietc transplantation
     should only be performed in the context of clinical trials
     designed to address the major outstanding issues.

s 10 and 19.

     It is clear from M.D. Anderson’s own published studies and


                                 11
the protocol for its most recent study that the use of allogeneic

transplantation as a treatment for breast cancer is “under

continued scientific testing or research for the injury or

sickness which is the subject of [Appellant’s] claim.”    

12.

                                B.

     Dr. Raymond Webster of Principal reviewed Appellant’s claim.

He wrote in a July 6, 2000 letter:   “While there are a few

published studies, there is not yet solid data on the efficacy of

such treatment for breast cancer . . . the studies also conclude

that further investigation is needed to establish the efficacy

and long-term outcomes in patients with breast cancer.”   

15.   Similarly, the outside reviewers noted the lack of

studies regarding the feasibility and efficacy of allogeneic

transplantation in the treatment of breast cancer.   Reviewer V003

stated:

     In summary, although these few studies report the
     feasibility of allogeneic transplants with non-myeloablative
     regimens, the efficacy of this approach remains to be
     determined in larger studies with longer follow-up . . . .
     It remains highly speculative that there is a graft-versus-
     breast cancer effect elicited by donor transplants. The
     literature has been quoted above and is absolutely
     inconclusive. The proposed approach, while feasible and
     innovative has not been adequately evaluated to render an
     opinion on efficacy of this approach in this patient. This
     approach is certainly investigatory. The health benefits of
     the recommended treatment plan is unknown scientifically for
     this type of patient.


                                12
Tab 17, Record Excerpts.   Reviewer C004 stated:   “There is no

demonstrated role for an allogeneic transplant, mini or

otherwise, in the management of metastatic breast cancer.”     

that the district court erred in crediting

the opinions of the three outside reviewers.   She argues first

that these independent experts had not been furnished adequate

information about her medical history, especially regarding

whether she was medically able to or physically qualified to

receive the transplant at that time.   She contends also that the

reviewers were not asked whether the procedure was “Medically

Necessary” as defined in the Plan; nor were they furnished the

Plan’s definition of “Generally Accepted.”   The short answer to

these complaints is that in light of the view we take in this

case, the relevance of the reviewers’ responses is not found in

the state of Appellant’s physical condition or whether the

procedure was “Medically Necessary” as defined in the Plan, but

whether the allogeneic transplant is under “continued scientific

testing or research as a therapy for the particular injury of

sickness which is the subject of [Appellant’s] claim.”

                                C.

     In light of the foregoing and in accordance with the

teachings of Wildbur, we conclude that the Administrator’s

interpretation is consistent with a fair reading of the Plan.


                                13
Because Appellant did not allege that there is a lack of

uniformity in Plan construction and because there was no

persuasive evidence introduced that the Administrator had granted

coverage for any other allogeneic transplant in a breast cancer

request, we determine that there was no of lack of uniformity in

construing the Plan.   To the extent that Wildbur refers to any

anticipated costs resulting from different interpretations of the

Plan, Appellant alleged in the trial court that there would be no

unanticipated costs resulting from a different interpretation.

Having agreed with the Administrator’s interpretation of the

Plan, we need not analyze whether its decision was an abuse of

discretion.   See 

.

                                V.

     Appellant contends that Appellees breached their fiduciary

duty by not disclosing information to her.   She argues that she

should have been told that the autologous procedure was covered

and that the allogeneic procedure was not covered, that her not

being told was a breach of a fiduciary duty, and that such breach

should be “take[n] into account when determining [whether] they

abused their discretion.”   Appellant’s Brief at 10.   She argues

also that a conflict of interest on the part of the Administrator

was present because “its decision to award or deny benefits

impacts its own financial interests,” 

that the actions


                                14
by Appellees show a clear conflict of interest in handling this

claim, 

and that this, too, should be taken into account

in determining whether the Administrator abused its discretion,

     We do not believe that it is necessary to evaluate these two

separate, but interrelated arguments because both bear upon

evaluating whether the administrator abused its discretion.      As

emphasized heretofore, however, in light of the teachings of

Wildbur, once we decide, as we have, that the Administrator

interpreted the Plan correctly, we need not reach the abuse of

discretion inquiry.

                                *    *   *

     We have considered all contentions of the parties presented

in this expedited, emergency appeal and conclude that no further

discussion is necessary.   We conclude that the district court did

not err in denying the petition for a preliminary injunction.

     This, too, must be said.       As was the district court, we are

cognizant of the agonizing ramifications of the decision we make

today.   Yet it must be understood that:

     [T]hose who wear judicial robes are human beings, and as
     persons, are inspired and motivated by compassion as anyone
     should be. Consequently, we often must remind ourselves
     that in our official capacities, we have authority only to
     issue rulings within the narrow parameters of the law and
     the facts before us. The temptation to go about, doing good
     where we see fit, and to make things less difficult for
     those who come before us, regardless of the law, is strong.

                                    15
     But the law, without which judges are nothing, abjures such
     unlicensed [sic] formulation of unauthorized social policy
     by the judiciary.

Fuja v. Benefit Trust Life Ins. Co., 

, 1407 n.2 (7th

Cir. 1993) (citation omitted).

     The judgment of the district court is AFFIRMED.




                                 16