Does Insurance Cover Surrogacy?

One of the most common questions intended parents and surrogate mothers have is, “Does my insurance cover surrogacy?” In many cases, your health insurance policy will explicitly state that any component of a surrogacy arrangement will not be covered by your health insurance.

However, this is not always the case. Continue reading to learn more about surrogacy insurance coverage for both the surrogate mother and intended parents.

Health Insurance for a Surrogate Mother

The surrogate mother will more than likely have her own health insurance, but her policy may or may not cover certain medical expenses pertaining to surrogacy.

A thorough review of the policy will provide more details about which expenses will be covered by the insurer and which will need to be covered by the intended parents, as they will typically be responsible for paying any medical costs stemming from attempts to become pregnant, prenatal care, labor, delivery, and postpartum care.

Medical Coverage for Intended Parents

The health insurance carried by the intended parents may include medical coverage for surrogacy, as intended parents can shop around for health insurance that meets their needs. In some instances, they may even be able to opt in to coverage that would reduce the out-of-pocket costs that the intended parents would need to pay.

Your best option if you are unsure of what your health insurance will cover and what it will not cover is to have your insurance policy carefully reviewed by your surrogacy attorney.

Meet with a Respected Surrogacy Agency

If you have additional questions about health insurance, surrogacy, and the costs of surrogacy, consult with our team of surrogacy specialists at Baby Steps Surrogacy Center, Inc. You can come in for a complimentary consultation so we can learn more about your individual circumstances by giving our office a call at 412-884-2229 or submitting the contact form found when you click on the contact button above.