... Allstate will pay to or on behalf of an insured person all reasonable expenses actually incurred
by the insured person for necessary medical treatment, medical services, or medical products
actually provided to the insured person by a state licensed health care provider. ...
... [¶6.] On March 18, 1998, Mary signed a power of attorney form "for healthcare purposes only"
that was provided by the Rapid City Regional Hospital. Judy was designated as Mary's health
care agent. Tom was named first alternate and Ron was named second alternate. ...
... This presumption may be rebutted based upon other factors set forth in this section; (3) Any
necessary education or health care special needs of the child; (4) The effect of agreements
between the parents regarding extra forms of support for the direct benefit of the child; ...