Surrogate Mothers Online Q & A: Our surrogate is from Ohio and she has a health insurance policy with Blue Cross. They have told her that she couldn't use her policy to cover pregnancy care. Is that right?

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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.

8. Our surrogate is from Ohio and she has a health insurance policy with Blue Cross. They have told her that she couldn't use her policy to cover pregnancy care. Is that right? - Michael - Top

Michael,

Your SM's insurance may not cover pregnancy. Some insurance comps require that you purchase a seperate rider for pregnancy. There are also some insurance comps that exclude coverage for any pregnancy related to surrogacy.

Hope this helps.
Lynn

Michael,

Unless there is a surrogacy exclusion, I have been told that they have to cover the pregnancy. I would get the benefits books and read everything. Also, you may want to contact the attorney who is handling your contracts and see if he can write them a letter. I am very aware that there are many surrogates who have used them for surrogacy. But I don't know if they told the insurance company that it was for a surrogacy. Good Luck and I would suggest contacting the attorney who handled your contracts.

-Jennifer
AI SM - Updated: January 31, 2000
Topics may include finding coverage, finding out if current insurance will cover surrogacy, etc.

8. Our surrogate is from Ohio and she has a health insurance policy with Blue Cross. They have told her that she couldn't use her policy to cover pregnancy care. Is that right? - Michael - Top: Michael,

Your SM's insurance may not cover pregnancy. Some insurance comps require that you purchase a seperate rider for pregnancy. There are also some insurance comps that exclude coverage for any pregnancy related to surrogacy.

Hope this helps.
Lynn

Michael,

Unless there is a surrogacy exclusion, I have been told that they have to cover the pregnancy. I would get the benefits books and read everything. Also, you may want to contact the attorney who is handling your contracts and see if he can write them a letter. I am very aware that there are many surrogates who have used them for surrogacy. But I don't know if they told the insurance company that it was for a surrogacy. Good Luck and I would suggest contacting the attorney who handled your contracts.

-Jennifer
AI SM - 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.)
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