A predominate question on the minds of most Intended Parents and Surrogates is; Will health insurance cover the costs of surrogacy?
Securing maternity health insurance is the first step in the surrogacy journey. It is as important, if not more important, than signing contracts with your surrogate.
Intended Parents have peace of mind when securing our Surrogate Maternity and Cycle Medical plan® providing insurance coverage specifically for a surrogate pregnancy or an IVF pregnancy and complications that may arise during the IVF synchronization cycle with you, or the egg donor and surrogate.
When your surrogate completes our intensive online medical application process you will know within a few days if she will qualify for maternity health insurance.
Once your surrogate is approved the approval lasts up to 90 days! You must complete your part of the application and submit premium within these 90 days.
Be Educated and Informed About Medical Insurance and how to Assure Coverage.
Warning!Department of Insurance Consumers click here for:
Individual Health Insurance underwriting/AB356
Medical insurance issues affect the selection of a potential surrogate. You must cover your contractual maternity health liability with your surrogates' pregnancy.
Get it in Writing
There is no guarantee of coverage from group policies, family policies or individual policies, Unless the surrogate themselves has written confirmation that their medical insurance will pay claims for a surrogate maternity and delivery care or it is specifically written within the surrogates benefits. Why doesn't major medical insurance cover my surrogates pregnancy?
There could be many reasons of why your surrogates major medical policy will not pay claims on her surrogate pregnancy. One common cause of denial is your surrogates pregnancy claims are treated as a third party claim. This means if the insured (your surrogate) or member (your surrogate) is compensated in any way for her surrogate pregnancy, the insurance company has a right to repossess the dollars they paid on the surrogate pregnancy claims.For example: if you are in an auto accident resulting in medical claims and you win a lawsuit settlement or are compensated for your accident, your insurer will repossess the dollars they paid for you on your medical claims from the auto accident.
