Does Medicaid Cover Surrogacy?

Understanding Surrogate Insurance Coverage

Does Medicaid cover surrogacy? Find out how surrogate insurance coverage works with our complete guide. We’re always here to help.

If you’re enrolled in Medicaid, you likely meet certain income requirements for this low-cost insurance. Because compensated surrogacy may affect your eligibility for government assistance, Medicaid will not cover surrogate pregnancy.

We’re here to shed light on how Medicaid may affect your surrogacy journey.

If you’re currently wondering “Does Medicaid cover a surrogate pregnancy” and are interested in becoming a surrogate, contact us online now or text us at 913-204-0224.

Does Medicaid Cover Surrogacy?

Unfortunately, Medicaid won’t cover the costs associated with a surrogate pregnancy. This means that if you decide to become a surrogate, you’ll need to get off Medicaid to begin the process. Your surrogate specialist will find you an insurance plan that covers a surrogate pregnancy.

As the surrogate, you’ll never have to pay any out-of-pocket costs for medical care. We make sure to provide you with an insurance plan that will cover most if not all of your surrogacy medical costs. If you encounter any additional expenses associated with the surrogacy process, our comprehensive surrogate compensation package ensures these expenses are covered.

Why Doesn’t Medicaid Cover a Surrogate Pregnancy?

Medicaid eligibility is income-based and once you begin receiving surrogate compensation, your income may surpass the threshold, leading to the disruption of Medicaid coverage. The program is designed to support those facing financial challenges, and the surrogate compensation often falls outside the low-income requirements.

When you become a surrogate, your base compensation can range anywhere from $50,000-$110,000 depending on your location and experience.  The unique circumstances of surrogate pregnancies and compensation make it challenging for Medicaid to provide coverage during your journey.

What Happens If I Keep My Medicaid Coverage as a Surrogate?

If you choose to maintain your Medicaid coverage while pursuing surrogacy, this can be considered insurance fraud, which can result in serious legal consequences. Additionally, Medicaid doesn’t cover the costs of a surrogate pregnancy, so relying on this coverage can leave you without the financial support needed for your surrogacy journey.

We encourage you to reach out to us if you’re on Medicaid so that we can provide you with the coverage necessary to cover a surrogate pregnancy. Transparency in this process can help us understand your situation and allow us to find an insurance plan that works for you.

Will My Kid’s Medicaid Coverage Be Affected By My Surrogacy Journey?

Yes, your children’s Medicaid coverage will be affected by your surrogacy journey. If you’re currently covered by Medicaid and decide to pursue surrogacy, there is a possibility that your increased income from surrogate compensation could impact your overall eligibility for Medicaid benefits.

Depending on your income level, you and your children will lose Medicaid coverage. But, you may choose to look into additional coverage for your children during your surrogacy journey. Make sure to speak with your specialist so they can provide you with guidance on how to navigate this situation.

We understand how confusing it can be navigating Medicaid and your surrogate journey. Our goal is to ensure that you’re always covered and that you’ll never have to pay for any expenses out of pocket. If you’re currently on Medicaid and are interested in becoming a surrogate, contact us online now or text us at 913-204-0224.