It’s no secret: Pregnancy is expensive. And, when you add in the additional medical costs of gestational surrogacy, those numbers can seem astronomical.
Fortunately, medical insurance exists to mitigate those expenses.
But, what if your surrogate’s personal policy excludes a gestational pregnancy?
This is becoming more and more common for insurance policies, and we’ve seen it happen often with our clients. Fortunately, your specialist will always help you find additional coverage for your gestational carrier — to protect her and the baby in the months ahead.
Often, the first step is searching the Affordable Care Act marketplace. Open enrollment takes place Nov. 1 to Dec. 15 each year, and you will have a variety of plans to choose from. Policies can run anywhere from $200–$700 a month (plus application fees), based on the level of coverage you choose. Your surrogate’s coverage will begin Jan. 1 of the next year.
Whether your surrogate’s policy excludes gestational surrogacy or they lose coverage through a job loss during pregnancy, your specialist will always be available to guide you through this process. We also recommend every intended parent purchase back-up insurance. To learn more, call your specialist anytime at 1-800-875-BABY(2229).
In the meantime, here are some options for surrogacy-friendly insurance.
1. ART Risk Solutions
American Surrogacy frequently recommends ART Risk Solutions to intended parents looking for a surrogate insurance policy. Whether as a stand-alone insurance policy or a back-up policy, ART Risk Solutions can provide the coverage you are looking for at a fair price.
ART Risk is an insurance provider that exists solely to serve those pursuing assisted reproduction technology methods. They partner with other insurance companies to provide customer service and financial risk and case management to patients and medical professionals. The company works with more than 150 agencies and law firms across the globe, including many of American Surrogacy’s clients.
When you contact ART Risk Solutions, you’ll speak with an agent who will evaluate your personal situation and determine which coverage options are right for your surrogate. While your specialist will not directly interact with your insurance agent, they will be happy to provide any paperwork ART Risk Solutions may need to create your personal policy.
2. New Life Agency
Like ART Risk, New Life Agency is an insurance provider that works solely with clients pursuing assisted reproduction. They provide policies for fertility patients, intended parents, surrogates, egg donors and professionals in the ART industry.
New Life also offers fertility financing to assist intended parents through their family-building journeys.
3. SurroPlans
Another option for insurance is SurroPlans. This company provides both backup medical and full-coverage medical policies. Whether or not your surrogate currently has insurance, SurroPlans can provide services to protect you financially, just in case.
This provider also offers emergency medical planning and assistance with taxes and visas for international intended parents.
4. ArcLight
ArcLight is another surrogacy-insurance provider; however, it only operates in nine states. These agents will review your surrogate’s health insurance and search for a surrogacy-friendly option in her state, if necessary. They will manage every step of the application and deductible process.
ArcLight also offers surrogate life insurance and disability insurance options, both of which will be required as part of your legal surrogacy contract.
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We know surrogacy insurance can be a complicated subject, so remember that your specialist is always here to answer your questions and provide guidance as you go through this process. Don’t hesitate to email or call your specialist at 1-800-875-BABY(2229) for professional advice.