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Surrogacy Health Insurance: What You Need to Know

If you’re considering becoming a surrogate, one of the most important things to consider is surrogacy health insurance. Pregnancy involves a lot of medical care, and it’s crucial that you have adequate insurance coverage to ensure that both you and the baby are protected.

Understanding Surrogacy Health Insurance

Surrogacy health insurance is a type of insurance that provides coverage for the pregnancy and delivery of a surrogate. It is essential to note that not all health insurance policies provide coverage for surrogacy. Therefore, surrogates must ensure that they have the right type of insurance coverage before starting their journey.

Types of Surrogacy Health Insurance

There are two types of surrogacy health insurance: primary insurance and supplemental insurance. Primary insurance is the surrogate’s existing insurance policy, which will cover the pregnancy and delivery of the surrogate. Supplemental insurance is additional coverage provided by the intended parents to ensure that all medical expenses are covered.

Checking Your Existing Insurance Policy

If you are considering becoming a surrogate, it is crucial to check your existing insurance policy to see if it covers surrogacy. Most policies do not provide coverage for surrogacy, and surrogates may need to purchase additional insurance or switch to a policy that covers surrogacy.

Obtaining Coverage for Surrogacy

If you need to obtain coverage for surrogacy, there are several options available. Some surrogacy agencies provide insurance coverage for their surrogates, while others require surrogates to purchase their own coverage. It is essential to consult with a surrogacy agency or an insurance specialist to determine the best insurance options for your specific situation.

The Importance of Adequate Coverage

Having adequate surrogacy health insurance coverage is crucial for protecting both the surrogate and the baby. Surrogacy involves many medical procedures, including prenatal care, delivery, and postpartum care. Without adequate insurance coverage, surrogates may be responsible for paying out-of-pocket expenses that can quickly add up to thousands of dollars.

Surrogacy health insurance is important for anyone considering becoming a surrogate. It is essential to understand the different types of insurance available, check your existing policy for coverage, and obtain adequate coverage before starting your surrogacy journey. With the right insurance coverage in place, surrogates can focus on the joy of helping intended parents create their families, without worrying about medical bills.

Tune in to the most recent episode of The Fertility Café to hear from surrogacy insurance champion, Kimberly Surratt. Kimberly is the former president of the State Bar of Nevada Family Law Section and the Nevada Justice Association. She sits on the Board of Trustees for the Academy of Adoption and Assisted Reproduction Attorneys and is the chair of the domestic lobbying committee. She has lobbied with the Nevada Justice Association since 2004 and is responsible for all assisted reproduction parentage laws in the state of Nevada, including a trailblazing insurance bill.

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Eloise Drane
Eloise Drane, Founder

"I believe that we are all placed on this earth for a purpose. Each one of us has a specific calling in this world and although it is different for everyone, we are here to serve one another. My purpose is to help women who wish to become surrogates and egg donors and the hopeful parents who wish to partner with them. I feel very lucky to be living my purpose."