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Surrogacy Insurance for Surrogates: Top 4 Questions Answered

The decision to become a Surrogate brings both excitement and a sense of responsibility. Securing comprehensive medical insurance is a top priority among the essential aspects of this journey. Working with a professional and reputable agency ensures you are safeguarded at every step of the way. In this blog, we aim to answer the top four questions about Surrogacy insurance, offering clarity and guidance to ensure a smooth and worry-free experience as a Surrogate.

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

Surrogacy insurance is an insurance policy that covers your medical needs throughout the pregnancy and delivery. It plays a vital role in providing you with a worry-free experience throughout the process. By offering peace of mind, this insurance ensures that essential medical care is readily available, and also minimizes any significant financial burdens to the Intended Parents. With Surrogacy insurance in place, you can focus on the journey ahead with confidence and assurance.

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2. Can your existing insurance cover Surrogacy-related expenses?

  • In some cases, you may already have health insurance coverage. An insurance verification through a third-party insurance agency will need to be done to determine whether it can be used for your Surrogate journey. Many traditional insurance policies have exclusions for Surrogacy, making it necessary for the Intended Parents and the agency 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 in your 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 your 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 your insurance?

  • No, the baby born through Surrogacy doesn't use your insurance. Your insurance coverage is specific to your 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 their child to their health insurance plan or obtaining a separate health insurance policy specifically for the baby. Your insurance coverage doesn't extend to the child and is not used for medical expenses.