Can You Be a Surrogate if You Don’t Have Insurance?

So, you’re ready to help create a family by serving as a gestational carrier. Congratulations — by coming to this page, you are one step closer to making your dreams (and the intended parents’ dreams) come true!

In your research on the medical process of surrogacy, you may have found conflicting information out there about surrogacy insurance. It’s a complicated topic, to be sure; both intended parents and their gestational carrier often have to coordinate with each other, their surrogacy specialists and their insurance providers to ensure all parties are sufficiently covered in the months to come.

The first thing you should know: If you decide to become a gestational carrier, you will never be responsible for the medical costs of your surrogacy.

The second thing you should know? It is possible to become a surrogate without preexisting insurance — but it can make your journey a bit more complicated.

Is Being a Surrogate Possible if You Don’t Have Insurance?

There are many reasons a woman may not have health insurance. She may be in transition from one job to the next, she may have had insurance with her spouse but be going through a divorce, or she may be experiencing a special circumstance that allows for new enrollment — but hasn’t gotten around to applying quite yet.

Surrogacy specialists understand that life is complicated, and you may find yourself without health insurance at some point. As long as you meet the requirements to be a surrogate, your specialist can help you move forward with the surrogacy process. Along the way, she will help you get the insurance you need.

However, there is one reason why women without insurance may be disqualified from surrogacy. If you do not have insurance because of a low or unstable income, or you are on Medicaid, you will be disqualified from surrogacy. Every woman who takes this path must be financially stable, for the protection of everyone involved.

You can call a surrogacy specialist at 1-800-875-BABY(2229) today to determine your eligibility.

How Surrogacy Works if You Have No Insurance

If you are interested in being a gestational carrier but don’t have insurance, your first step should always be contacting a specialist at American Surrogacy. Our specialists can answer all of your questions and determine whether you are eligible to be a surrogate in your situation.

If you are eligible, your specialist will help you find the perfect intended parents for your journey. Your insurance situation will play a role in which intended parents you can work with; they will need to be comfortable with the extra costs of your upcoming journey.

You see, when you become a surrogate with no insurance (or a surrogate whose insurance doesn’t cover her surrogate pregnancy), your intended parents are responsible for the extra medical costs. They will need to pay extra for a special insurance policy during your pregnancy. This may cause some changes to the surrogacy budget they previously set.

Therefore, you may be asked to reduce your desired compensation rate. Your specialist will always discuss this in detail with you before matching, but it’s an important thing to think about. After all, you’re not choosing surrogacy for the money; instead, you want to help someone else become a parent. Many surrogates without health insurance are happy to reduce their desired compensation to help those intended parents reach their dreams through a more affordable path.

Ultimately, the decision will always be yours. That’s why it’s important to be honest with your surrogacy specialist from the very beginning. She will also be honest with you — including whether or not your insurance situation will make you wait longer for an intended parent match. She will also tell you if your situation will make it impossible to find intended parents to carry for.

Surrogacy is a partnership, and it’s important that you and your intended parents are on the same page about every aspect. That includes surrogacy insurance, as well. Put yourself in your intended parents’ shoes and think about how much this family-building process is costing them. Flexibility is an important part of the surrogacy process — for both you and your intended parents.

We encourage any prospective surrogate with no insurance to contact American Surrogacy today. Our specialists will be happy to discuss what surrogacy will be like for you, should you decide to move forward.

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