Surrogacy insurance is vital for a great number of intended parents who are passionate about doing this procedure. For most parents, it’s a costly process, and they are interested in finding a suitable way to cut the expense as well as that the quality of the process never changes. One way is Surrogacy insurance
. The main point of this article is to find a cost-effective way to ease the parent's minds about the cost of a surrogacy journey. Tow different ways will be analyzed: surrogacy insurance coverage and travel to another country.
What do you know about surrogacy insurance?
Surrogacy insurance coverage is different from one country to another. insurance policies covered all pregnancies Before surrogacy was introduced, and people find information about it. After that, insurance rules changed. Nowadays, countries don't have any specific rule regarding surrogacy. On top of that, we should consider that insurance coverage differs when it comes to intended parents and surrogates. Before any further moving, you should be aware of the rules and insurance coverage. If you have a contract with a surrogacy agency, they will help you in this matter. Surrogacy professionals will review each party's insurance policies to determine what costs will be covered and then estimate what services may be covered by supplemental insurance and how much the intended parents will be expected to pay for medical expenses. Generally, the surrogacy medical process includes two aspects that may be covered by insurance: infertility treatments and surrogate pregnancy.
Do I need insurance for a surrogate?
Surrogates need insurance coverage during a surrogate pregnancy. The types of insurance required in a surrogacy journey include:
- Complications insurance
- Life insurance
- Maternity insurance
- Back up to maternity coverage
When the baby is born, the baby ought to be covered by insurance. Intended parents have a chance to add their newborn to their existing health insurance policies.
Why don't some insurance companies cover surrogacy?
At first, every kind of pregnancy was covered by insurance companies no matter who the mother was. By this, I mean surrogacy medical expenses were covered. But after surrogacy gained popularity among infertile spouses, this procedure has lost insurance coverage. These days, surrogacy is covered by some insurance companies as an additional coverage option, and some companies have another way. Overall, people are beginning to realize that the surrogacy journey is not regarded as an essential procedure by insurance companies as well as cosmetic surgery and mental health care. No matter how vital these processes are for people and can revolutionize their life.
What does partial coverage mean?
"partial" coverage is an option which is offered by Some insurance companies for surrogacy and infertility expenses. In this situation, part of costs will be covered, but not all of them. For instance, they cover pregnancy, but postnatal and delivery are not included. Partial can also mean that insurance provider will cover infertility treatments, but not anything related to surrogacy journey. For example, IVF and IUI are protected, but that does not always extend to the surrogate's pregnancy.
What is or is not covered by surrogacy insurance
- Embryo transfer to a surrogate cost will not be covered by insurance companies. The price of donated eggs will not be coved as well. All these processes should be done by parents.
- Some insurance providers, in some circumstances, cover in vitro fertilization procedures. They have limited resources in this area, and some will cover IVF procedures as part of an infertility benefit.
- While Some insurance companies which cover pregnancy exclude medical coverage for surrogate pregnancies, according to the law, they should cover the process of traditional pregnancy. It is their responsibility. But intended parents are in charge of protecting the fertility treatments or the donor.
The surrogate's insurance provider
If The surrogate has medical coverage, it would be perfect, as insurance will cover part of the service and process of pregnancy. But her medical insurance might not cover surrogate pregnancies. In this case, the intended parents should purchase a backup plan or a new plan for surrogacy. Some insurance plans cover surrogacy, but part of it includes surrogate maternity coverage.
Surrogacy insurance for the Newborn
When the baby is born, is not covered by the surrogate insurance, and from this moment intended parents should take action, and they are responsible for providing insurance coverage for the baby. Intended parents usually have health insurance which can be easily expanded to cover a new family member. In this situation, the baby will be covered by medical insurance without any difficulties. If a baby has any problems, for example, being immature or some diseases, the cost of treatment is on the biological parents. If parents have private insurance, the newborn should be added in their insurance coverage, before the baby is born for unexpected problems.
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