For intended parents, obtaining health insurance coverage for your gestational surrogate is one of the most important parts of the journey.
However, like anything insurance-related, it can be complicated. Insurance companies do not necessarily cover surrogacy pregnancies, and surrogacy policies vary from company to company.
Many intended parents and prospective surrogates have questions about insurance. Do I need to get health insurance for my surrogate? Is that so? surrogate mother use own insurance? Where can I find surrogacy insurance?
We will answer these questions and try to make the process as simple as possible!
Will the surrogate have health insurance that covers surrogacy?
It is possible, although only about 30% of surrogates have a policy available for surrogacy. Most will require a supplemental surrogate insurance policy.
At SPS, we have a third-party specialist a formal review of the surrogate’s policy to determine if it will cover the costs of the surrogacy pregnancy.
Can intended parents use surrogate’s insurance for surrogacy?
If the surrogate’s policy covers her surrogacy, she will need to give consent for the intended parents to use the coverage.
Additionally, the intended parents are responsible for covering surrogacy-related costs, which may include copays, premiums, out-of-pocket maximums, potential liens, and any other costs associated with the surrogacy journey.
If the surrogate’s insurance does not cover her surrogacy, SPS will help the intended parents explore other options, described in the section below.
How do I get surrogacy insurance?
Once the intended parents and successors matchSPS connects intended parents with a trusted insurance specialist, making sure they have plenty of time to thoroughly evaluate the options.
These options include purchasing an individual policy during the Open Enrollment period (OEP) or a private policy through Lloyds of London, designed to cover surrogacy-related medical expenses.
Most intended parents should expect to pay between $10,000 and $30,000 for health insurance and expenses.
If you are an international intended parent who needs to purchase insurance for the baby after the birth, SPS will connect you with a third-party specialist to review your options.
Navigating health insurance for surrogacy in California is a complicated but necessary part of the surrogacy journey.
At SPS, we are committed to supporting you every step of the way, which includes providing guidance through complex health insurance and ensuring a safe and successful surrogacy journey for everyone.
Learn More About Surrogacy at Surrogacy Services
Surrogate Parenting Services is proud to celebrate more than 30 years of helping make dreams come true! Founded in 1990, Surrogacy Services (SPS) is a full service surrogacy agency which offers both parties an exceptionally supportive environment throughout the surrogacy relationship. We are passionate about creating ideal matches between surrogates and intended parents, so the journey is fulfilling for both parties and the future child is brought into this world in the best possible circumstances.
Its ready be a surrogate? Learn more about our Surrogacy Program online or by calling (949) 363-9525.
