So, this would greatly depend on your area and situation. I would talk to your current care givers and health care coverage people to see if your pre existing condition with your back is covered. If not, you should then call PMI companies with that same information to see if you can be covered. You will likely find coverage but may have to sign a waiver regarding the pre existing conditions. But really, you need to follow up on this locally and with companies you use. Good luck
Hello~I really can't answer that as I truly don't know. It would be best to ask either a health care professional or an insurance company.