Surrogacy and Egg Donation Q and A


Surrogate Mothers Online Q & A
    • Q & A: Insurance Issues

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

    1. Hi Sherry! I'm getting ready to be a GS surrogate for a wonderful couple in my area. I will be using my insurance company (Kaiser) during the pregnancy and was wondering if you know anything about their policy on coverage for surrogates. Thanks - Carrie

    2. My husband is in the military and I am hoping to become a Gestational Surrogate for a great and deserving couple soon. I recently asked my insurace company if they would cover a surrogate pregnancy. They replied with, "The claims will be paid as for any maternity patient. Non-coital reproductive techniques are not a benifit of TRICARE." Should I have been more specific and asked if they would cover me becoming a Gestational Surrogate, or should I leave well enough alone? I would hate for my insurance company to back out and leave the IP's or myself stuck with the bills. - Heather in Minot AFB, ND

    3. I am currently several months pregnant as a gestational surrogate. When I was first considering being a surrogate, I was told by my insurance that the pregnancy and birth would be covered, but not the fertility treatments. Since I was also working with an agency at that time, they also checked into my insurance and had no problem with my company. Now, after I am pregnant, my insurance has told me that no part of this surrogacy arrangement is to be covered. What can I do? I would hate for my couple to pay all of the expenses. Just getting this far was expensive enough! Would our attorney possibly be able to handle this situation? Any suggestions would be greatly appreciated. - April K.

    4. I am interested in being a surrogate and I currently don't have insurance on myself. How does the finacial and insurance arrangements work??? Are the surrogate mothers responsible for any of it??? Also, how would I find couples in my area??? - Tena in KY

    5. Insurance won't cover surrrogacy. Do I say that I am pregnant, perhaps giving up for adoption? -Jamie in TX

    6. I am contemplating being a GS Surrogate for a friend who would like to have a child but is unable to carry it on her own. Is there a possibility that my insurance or hers cover any of these costs? - Theresa in GA

    7. I am undergoing a partial hysterectomy in January. My sister is going to be our gestational host. As we have already spent so much money with my two failed attempts, we would like to know how do we approach her medical insurance to see if they will cover the labor/delivery? - 30 and Mom-Ready in Palmdale

    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

    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

    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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