A Guide to Surrogate Insurance Plans

How We Make Sure You’re Always Protected

If you’re considering becoming a surrogate, then here’s what you need to know about surrogate insurance plans and how we protect you.

Every health insurance provider has different types of policies to choose from that offer varying degrees of coverage. When you begin the process of becoming a surrogate, we’ll do an insurance review to determine whether you have surrogate-friendly insurance.

It can be helpful to conduct your own research before this point, just so you have an idea of what to expect in terms of coverage. In the meantime, we’re here to help you understand everything you need to know about surrogate insurance to help you embark on your surrogacy journey with confidence.

To see if your insurance covers a surrogate pregnancy, contact us online now or text us at 913-204-0224.

If you’re intended parent looking for more information about surrogacy insurance, check out this resource.

What Insurance Covers a Surrogate Pregnancy?

This will depend on your insurance plan and provider. In most cases, your surrogate journey will be at least partly covered by insurance in some form. Coverage amounts can vary depending on your insurance type and when surrogacy is covered, coverage tends to be a last resort.

If your insurance only covers part of your fees, we’ll provide you with an additional surrogate insurance plan for any gaps in coverage. If you don’t currently have an insurance provider, we’ll match you with intended parents who will provide you with surrogate health insurance.

To help provide you with more clarity, below are some of the most common insurance providers that may cover a surrogate pregnancy:

Does Medicaid Cover Surrogacy?

No, Medicaid won’t cover your surrogate pregnancy because it’s only available for women with low or no income. As a surrogate, you’ll receive financial compensation that will disqualify you from receiving Medicaid coverage. To avoid insurance fraud, we encourage all our surrogates to get off Medicaid before beginning the process.

In this case, we would provide you with surrogate insurance coverage during your journey. Once the process is complete, you’ll need to find additional insurance coverage.

Does Tricare Cover Surrogacy?

Yes, Tricare may cover some aspects of your surrogate pregnancy. If you’re a Tricare beneficiary and have a contractual agreement with the intended parents, some of your health expenses may be covered after the intended parents’ surrogate insurance and out-of-pocket contributions.

Does Blue Cross Blue Shield Cover Surrogacy?

The BCBS surrogacy coverage depends on the specific plan you have, as there are a network of insurance providers through BCBS. Each of these independent companies may offer different plans with varying coverage options.

Some BCBS plans may provide coverage for certain aspects, such as in vitro fertilization (IVF) and maternity care, while others may not. We can help you review your specific surrogate insurance plan to find out if it includes surrogate pregnancy coverage.

Does UnitedHealthcare Cover Surrogacy?

If your current insurance provider is UnitedHealthcare, the surrogate insurance coverage varies depending on your state and plan. Generally, if you’re not a UnitedHealthcare member, you’re not covered. In this case, we can match you with intended parents who can provide you with the surrogate insurance coverage you need.

Does Progyny Cover Surrogacy?

Progyny surrogacy coverage specializes in fertility and family building, offering coverage through select employers. Since their insurance is specifically for family building, they’re more likely to cover more parts of the surrogacy process, but surrogate insurance might not always be included.

Does Kaiser Cover Surrogacy?

Although Kaiser is generally regarded as a more surrogate-friendly insurance, it may or may not cover surrogacy costs. Kaiser surrogacy coverage largely depends on your circumstances.

Does Cigna Cover Surrogacy?

The surrogate insurance coverage through Cigna may offer some benefits for surrogates. Some care for surrogates may be covered through Cigna.

Does Aetna Cover Surrogacy?

Aetna may cover some maternity expenses for surrogates. This largely depends on the type of plan you have and if it includes surrogate pregnancies.

As a surrogate, you’ll never be responsible for any expenses associated with the surrogacy process. If you don’t have insurance and want to become a surrogate, we’ll help you get the best coverage possible.

Contact us online now or text us at 913-204-0224 to learn how we ensure you’re always covered.