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What Intended Parents Need to Know About Surrogacy Insurance Coverage

Finding a suitable carrier for gestational surrogacy is not an easy task. Once this important step is completed, it is important for future parents to arrange their plans in regard to medical insurance.

This is a rather complicated issue for many, and can have many nuances to it. Formerly, medical insurance covered all costs of a pregnancy achieved in a natural way within the family. However, with the development of advanced reproductive medicine, the system began to change in order to adapt to parents’ needs.

For some couples, the idea of specifically insuring a surrogate mother may come as a surprise. But insurance is there to help pay for the various medical processes necessary for the well-being of both the surrogate and baby.

As of right now, there is no clearly laid-out procedure involving insurance coverage for surrogate pregnancy in the USA. Various agencies will have differing rules regarding insurance coverage. Thus, it is incredibly important to study all the details in advance and know of all potential added costs. To do so, you will need a detailed analysis of your individual situation, as well as professional advice. It can also be helpful to read up on U.S. legislation regarding general health coverage, along with surrogacy.In this article, we reveal all aspects of this issue in detail and help you answer the following questions: “Does insurance cover surrogacy?” and “What plan is better to choose?

What You Need to Know about Surrogacy Insurance in the USA

Many fertility treatment methods are not cheap, especially in the USA. Due to the risk of unforeseen circumstances—such as failed IVF, premature birth, or C-section delivery—the price of surrogacy health insurance can be altered both suddenly and drastically.

With any decisions made during this step, it is crucial for future parents to understand that they are taking responsibility for both the surrogate mother’s and their future child’s insurance. Before you decide, you must study out your surrogate policy’s references to the costs of pregnancy. In some cases, a surrogate mother may choose to use her own insurance plan. However, she will still need a consultation with a specialist to discuss exactly which expenses can be covered by her plan of choice.

On your end, your family may also need to schedule a consultation with a representative of your agency regarding the additional costs you may need to pay. If the surrogate’s insurance policy does not cover surrogacy, you will need to purchase an additional or supplementary plan. This part is obligatory, as a surrogate program’s charge is more expensive, meaning a conventional plan sometimes cannot cover for those costs.

If you choose to go through this process in another country, it is important to take note of those challenges as well. These include the risk of a frozen embryo being delivered (if necessary), or the cost of a new-born traveling home. Parents should be prepared to pay for these options, as in such cases, a health insurance policy may not be applicable.

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    The Essentials of the Surrogate Mother Insurance Coverage

    In some cases, a woman’s health insurance policy may not cover all medical needs related to this treatment process, meaning it is a better option to use insurance for gestational surrogacy.

    This policy can cover the following procedures:

    • Infertility treatment. Some surrogate insurance plans may not spread to all treatment needs. Moreover, these plans often cannot pay for them at all. To date, only 15 states have legislation to ensure infertility treatment. In other states, you have the option to buy a policy that includes IVF. But this condition is not mandatory, so it’s important to do careful research before choosing a plan that works for your family.
    • Many policies cover the testing costs necessary for fertilization. These are not the largest expenses in comparison with the other ones, but it’s still important to calculate them into the final cost.
    • Birth of a child. Though a child in the womb is insured, once the umbilical cord is cut, the child will need an extra insurance policy.
    • Pregnancy of a surrogate mother. American legislation provides insurance for pregnancy within the family. For a surrogate mother, however, it will be necessary to purchase an individual policy. Sometimes intended parents will have to pay for pregnancy charges themselves.

    Oftentimes, parents will have to pay for some services on their own, either due to insurance not covering everything, or unforeseen circumstances.

    Does Surrogacy Health Insurance Cover a Newborn?

    Medical insurance for surrogacy is only extended to the baby’s medical care costs for the period of pregnancy. In addition to this, potential parents must also purchase a newborn insurance plan.

    A newborn insurance plan comes into force the moment the baby comes into the world. It is recommended to arrange it immediately after pregnancy confirmation, or no later than the third trimester. However, if you postpone this decision for too long, and the baby is born prematurely, you will have to pay a large enough sum for both the birth and all medical services performed in the hospital.

    You shouldn’t put off taking out coverage for your child. We recommend doing it in the United States. However, if you have a personal insurance plan, you should check with the agency in advance and confirm whether it will apply to childbirth in another country.

    Surrogacy Insurance Cost in the USA

    Technically, there is no special surrogacy insurance policy in the USA. A woman is required to purchase regular coverage, which pays for the costs of pregnancy and childbirth. A woman can also choose to use her own insurance for this purpose. In this case, she should contact a specialist and get the necessary information to answer the question: “Does insurance pay for surrogacy?”. All this should be taken into account when choosing an insurance policy, so as not to spend too much money on additional medical services.

    There are two main surrogacy insurance plans in the USA:

    ●     Affordable Care Act (ACA),

    ●     Surrogate Maternity Contractual Liability Insurance Plan.

    The first plan is traditional medical coverage, based on the surrogate mother’s place of residence. You can purchase this plan during open enrollment hosted every November.

    The second program is not a medical insurance policy, but covers the expenses of potential parents for testing, pregnancy, and childbirth. These costs are usually specified in the contract. At the same time, this insurance does not extend to health costs that are not related to the surrogate mother’s pregnancy.

    The main factors affecting maternity covering policies are included in medical services. Thus, it can be difficult to determine the exact amount.

    ●        For a traditional plan — the Affordable Care Act (ACA) — you will pay approximately $11,000–$13,000. However, there issues may arise during the pregnancy that can significantly increase this amount.

    ●        The second plan — Surrogate Maternity Contractual Liability Insurance — is suitable only for women who are pregnant with one child or twins. For those who will have three or more children, this option cannot be used. This plan costs more, about $25,500–$28,350; and $42,500–$60,000 for a twin birth.

    It’s important to note that both plans can only be used for surrogate mother insurance coverage. Once the baby is born, you will need to take care of your child’s insurance separately. 

    To select the best option for your family and to avoid unnecessary expenses, it’s crucial to discuss any pros and cons with your agency.

    How Can Help You

    At, you’ll receive consultation regarding everything you need to know about surrogate health insurance. Your baby needs insurance regardless, and our team can help to provide you with information about insurance in Georgia. This way, parents can add their newborn to their policy and add an international status to it. It is also important to mention that when the baby is born, the parents will receive a birth certificate with only their names on it, and not the name of the surrogate. This allows parents to go home with their child without any legal problems.


    This maternity process can be very complex and full of surprises, leading it to be a very costly procedure. It is impossible to predict all the nuances and difficulties, which is why it is so important to thoroughly prepare in advance. Financial issues, including surrogacy insurance coverage, can be one of the most complex aspects of the entire process. supports parents at all stages of the surrogacy program, providing all necessary information, as well as help with the registration of your baby’s healthcare insurance. Don’t hesitate to ask our representatives any questions you may have in relation to health insurance for surrogate mothers and children.

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