Surrogate Mothers Online Q & A: What is the best way to get insurance coverage for a surrogate birth? I would like the baby covered as well. Some of the companies I have looked at have surrogacy exclusions. One of the agencies I asked on the west coast covers only the mother but what if there are complications???

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Surrogate Mothers Online Q & A

Q & A: Insurance Issues

Topics may include finding coverage, finding out if current insurance will cover surrogacy, etc.

9. What is the best way to get insurance coverage for a surrogate birth? I would like the baby covered as well. Some of the companies I have looked at have surrogacy exclusions. One of the agencies I asked on the west coast covers only the mother but what if there are complications??? - Jene in IN - Top

Jene,

Hello! This is one of the hardest things a surrogate has to face...insurance. Blue Cross Blue Shield offers insurance but has a year wait, meaning you have to pay for a year and then you can get pregnant. Mine does have a surrogacy exclusion but we just didn't tell them. It covered everything. My insurance doesn't pay for the neonatal costs, but the parents health insurance picked that up after the birth. Welcome to surrogacy, this is the fun part...making tons of phone calls and doing lots of foot work. I am located in Indiana, too. If you would like you can contact me privately and I can help you in any way possible.

Jennifer S.

Dear Jene,

Thank you for your question. I feel the best way is to collect information on all types of insurance available in your state. Ask if they do cover surrogacy. I haven't heard of any insurance that covered the baby after its birth. The new parents should have some kind of insurance that would or will cover their child. If the birth mother has complications then that insurance shall take care of her no matter if she was a surrogate or not. Just hunt down an insurance that will fit your needs.

Good luck,
Sherry - Updated: January 31, 2000
Topics may include finding coverage, finding out if current insurance will cover surrogacy, etc.

9. What is the best way to get insurance coverage for a surrogate birth? I would like the baby covered as well. Some of the companies I have looked at have surrogacy exclusions. One of the agencies I asked on the west coast covers only the mother but what if there are complications??? - Jene in IN - Top: Jene,

Hello! This is one of the hardest things a surrogate has to face...insurance. Blue Cross Blue Shield offers insurance but has a year wait, meaning you have to pay for a year and then you can get pregnant. Mine does have a surrogacy exclusion but we just didn't tell them. It covered everything. My insurance doesn't pay for the neonatal costs, but the parents health insurance picked that up after the birth. Welcome to surrogacy, this is the fun part...making tons of phone calls and doing lots of foot work. I am located in Indiana, too. If you would like you can contact me privately and I can help you in any way possible.

Jennifer S.

Dear Jene,

Thank you for your question. I feel the best way is to collect information on all types of insurance available in your state. Ask if they do cover surrogacy. I haven't heard of any insurance that covered the baby after its birth. The new parents should have some kind of insurance that would or will cover their child. If the birth mother has complications then that insurance shall take care of her no matter if she was a surrogate or not. Just hunt down an insurance that will fit your needs.

Good luck,
Sherry - Updated: January 31, 2000

Unless stated otherwise, all responses in the SMO Q&A are courtesy of one or more of the following hosts:

Sherry - Experienced gestational surrogate currently working on her 2nd surrogacy arrangement

Linda - New Mommy to twins born via gestational surrogacy and egg donation

Jennifer S. - Experienced AI surrogate

Lynn - New Mommy to a daughter born via traditional surrogacy

Tracie - 5 time egg donor (triplets, 2 sets of twins and 2 singletons) and 3 time surrogate (2-AI, 1-IVF).

Lisa - Experienced egg donor and previous gestational surrogate currently working on her 2nd surrogacy arrangement (Lisa was our former ED host, prior to July 1999.)
Disclaimer: Responses from SMO Q&A Hosts do not necessarily represent the opinions and ideas of SMO. Neither the Q&A hosts nor SMO guarantee the accuracy or completeness of any information contained in the responses given here. As such, neither SMO nor the Q&A hosts are responsible for any errors or omissions or for the results obtained from the use of such information. Neither SMO nor the Q&A hosts shall be liable or responsible to any person or entity for any loss or damage caused, or alleged to have been caused, directly or indirectly by the information or ideas contained, suggested, or referenced in these responses.

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