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Surrogacy Insurance for Intended Parents: Top 4 Questions Answered

Navigating the Surrogacy world can be exciting and overwhelming, especially when it comes to ensuring comprehensive insurance coverage for your Surrogate. Understanding the intricacies of Surrogacy insurance is essential to protect your Surrogate's health and well-being and manage potential financial risks. In this blog, we will answer the top four questions about Surrogacy insurance for Intended Parents' Surrogates, providing clarity and guidance.

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1. What is Surrogacy insurance, and why is it necessary?

Surrogacy insurance refers to health insurance coverage specifically designed for Surrogates, addressing their medical needs throughout the pregnancy and delivery. It is necessary to protect the Surrogate and Intended Parents from significant financial burdens associated with medical expenses and potential complications. Surrogate insurance provides peace of mind, ensuring that necessary medical care is accessible without incurring substantial out-of-pocket costs.

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2. Can the Surrogate's existing insurance cover Surrogacy-related expenses?

  • In some cases, your Surrogate may already have health insurance coverage. To determine whether it can be used for her Surrogate journey, an insurance verification through a third-party agency will need to be done. Many traditional insurance policies have exclusions for Surrogacy, making it necessary to seek alternative insurance options to ensure comprehensive coverage. Working with an experienced professional can help determine the extent of coverage needed and/or identify any limitations or gaps to the Surrogate’s current insurance.
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3. What does Surrogacy insurance typically cover?

  • Surrogacy insurance coverage can vary depending on the policy and provider. However, comprehensive Surrogacy insurance typically covers the following:

• Prenatal Care: Routine check-ups, tests, screenings, ultrasounds, and prenatal vitamins.

• Delivery and Hospitalization: Expenses related to labor and delivery, including hospital fees and obstetrician fees.

• Surrogacy-Related Complications: Coverage for medical conditions such as gestational diabetes, preeclampsia, multiple pregnancies, or other complications that may arise during the Surrogate's pregnancy journey.

• Post-Delivery Care: Follow-up visits, postpartum care, medication, and treatments required after delivery.

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4. Will the newborn use the Surrogate's insurance?

  • No, the baby born through Surrogacy doesn't use the Surrogate's insurance. Your Surrogate's insurance coverage is specific to her medical expenses related to the pregnancy and delivery. Once the baby is born, he/she is considered a separate individual with his/her own healthcare needs.
  • The Intended Parents are responsible for providing healthcare coverage for the baby. This can be done by adding the child to their health insurance plan or obtaining a separate health insurance policy specifically for the baby. Your Surrogate's insurance coverage doesn't extend to the child and is not used for his/her medical expenses.
  • Ensuring that your Surrogate has insurance is essential for a successful and financially secure journey. Consulting with insurance professionals and surrogacy experts is essential; they can provide valuable guidance to ensure proper insurance coverage for both the Surrogate and the baby.