Can a Surrogate Use Their Own Insurance?

Understanding Surrogate Insurance

Can a surrogate use their own insurance? Find out about surrogate insurance coverage with our complete guide.

If you have your own insurance, we can help you determine if your policy covers surrogate pregnancy. We know that navigating insurance plans can be confusing, but we make it simple. 

With our help, you’ll be able to confidently embark on the life-changing journey of surrogacy, without having to worry about insurance coverage.

If you’re intended parents wanting to learn more about surrogacy insurance, then check out this resource.

To find out if your insurance policy covers your surrogate pregnancy, then fill out our contact form or text us at 913-204-0224.

Can a Surrogate Use Their Own Insurance?

If your insurance plan has no exclusions for surrogate pregnancies, then you’ll be able to use your own coverage during your surrogacy journey. We’ll help you understand what your coverage includes and ensure that you’re partnered with medical professionals who accept your insurance.

If for some reason your insurance doesn’t cover surrogate pregnancies, we’ll provide you with an additional policy to cover the aspects of the process your current insurance may not. This extra layer of coverage ensures peace of mind and financial security throughout your surrogate journey.

Whose Insurance Pays for Surrogate Pregnancy if My Plan Doesn’t?

In cases where your insurance falls short or doesn’t cover any expenses related to your surrogate pregnancy, we can match you with intended parents who can provide you with an insurance plan that does. As a surrogate, you will never have to pay for any aspect of your surrogate pregnancy.

Your surrogate compensation package is designed to cover any additional expenses, including any out-of-pocket medical costs that may arise. Additionally, you’ll receive a base compensation of $50,000-$110,000 as a salary for your work as a surrogate. This compensation is based on location and experience, paid out in 10 monthly payments once a pregnancy is confirmed.

Through our comprehensive surrogate compensation package, we aim to alleviate any financial concerns to help you focus on the rewarding experience of helping intended parents fulfill their dreams of starting a family.

What Will My Insurance Cover During My Surrogate Pregnancy?

This depends on your plan and provider as each will have their guidelines on surrogate pregnancies. In general, here are some medical costs of surrogacy that may be partly or fully covered by your insurance:

  • In-vitro fertilization (IVF)

  • Pre-natal expenses like vitamins and pregnancy tests

  • Surrogacy medical screening

  • Pregnancy well visits

  • Pregnancy medical care

  • Birth

  • Postpartum medical care

  • The baby’s fetal care before and after birth

  • Medical pregnancy supplies and newborn supplies

Anything that isn’t covered by insurance will be taken care of by the intended parents. In some cases, the intended parents may choose to purchase an additional surrogate insurance plan to cover any gaps in coverage.

Our Commitment

We’re dedicated to ensuring you’re always covered, regardless of whether your insurance includes surrogate pregnancy. Our goal is to provide you with a seamless, stress-free experience without having to worry about expenses.

Your peace of mind is our top priority, and we’re committed to supporting you every step of the way. Contact us online now or text us at 913-204-0224 to find out if your insurance covers a surrogate pregnancy.