How much to put in DD's 529 plan?

[disneysteve]

Sometimes, an insurance co. will exclude a condition totally, like a bad back.

That's lousy. What if the person has a new injury? Do they still refuse to cover it because it could be related to the old injury?

[Scanner]

In states where that exclusion is permitted, yes - it can get kind of gray.

You could say it's a new injury but it may be hard to prove and the pt. ends up footing the bill and not wanting to fight the good fight.

Personally, I am not sure with condition like hypertension or diabetes - could an ins. co. exclude that if one moved to a state?

Theorectically, you can sort of see the ins. co.'s point. If you owned DisneySteve Mutual, would you want a person with diabetes and high blood pressure to be your first client? You'd probably roll your eyes and say, "Oh no. . .this is going to be a loss."

All the more reason that healthcare should be public probably. . .