Understanding health insurance policies and how they can be used for a surrogate during her pregnancy is an important part of the education we provide at Abundant Beginnings/ABC Surrogacy. Some plans clearly state that they do not cover any pregnancy expenses for a woman acting as a surrogate, while others are vague or fail to mention surrogacy at all. This uncertainty can lead to unexpected bills if one is not careful.
When exploring insurance options for surrogates, it is important to have an expert in the insurance field guide the process. Surrogates all need their own insurance policy for the pregnancy. Intended Parents’ personal insurance policy can not be used for the surrogacy pregnancy.
Types of Insurance and Coverage
- Employer-Based Insurance
Some employers offer plans that cover more maternity costs, but the details depend on the specific plan the employer negotiates. ABC Surrogacy verifies the policies to determine if there are any exclusions. - Private Insurance
If you buy your plan directly you may face higher premiums. - Affordable Care Act (ACA) Plans
ACA plans must include maternity coverage. However, they may have various exclusions or liens and an insurance specialist can help get this coverage verified and secured.
Important Policy Clauses
When checking the policy, the professionals look carefully for any mention of “surrogacy exclusions” or “limitations.” These clauses might block or limit payment for a surrogacy journey. It is important to note that even if the plan covers standard prenatal appointments and delivery, it will not cover the treatments at the fertility clinic that are necessary to begin the surrogacy.
Because there are so many differences in how insurance companies handle surrogacy, it’s wise to have a professional review your policy. That way, you know exactly what will (and will not) be covered before you begin.
Key Considerations for Surrogates
- Review a Surrogates Current Policy
Before starting a surrogacy journey, it’s crucial to have the personal health insurance plan reviewed by someone familiar with surrogacy. While you might assume the policy covers regular pregnancy expenses, it could still limit or exclude coverage for surrogacy.- Why involve an expert?
Specialists can spot hidden exclusions or confusing language that might leave you with large, unexpected bills. An expert review ensures you have a clear idea of your coverage from the start.
- Why involve an expert?
- Secondary or Supplemental Insurance
If the surrogate’s main policy won’t cover surrogacy or has major gaps, you may need a second insurance plan. This is especially important if:- The plan includes a surrogacy exclusion.
- The surrogate loses coverage mid-pregnancy (e.g., a job change).
- Types of supplemental plans include:
- Specialized Surrogacy Coverage (e.g., Lloyd’s of London): Designed for surrogacy, often with higher premiums but more flexibility with OBs and Hospitals.
Potential Costs
Insurance premiums, deductibles, and out-of-pocket expenses add up quickly—especially with surrogacy. Consider the following:
- Typical Ranges: ACA plan premiums can range from $500 to $900 (or more) per month. Specialized surrogacy plans can cost $30,000 (and higher).
- Multiple Calendar Years: Surrogacy often spans more than one year, which means deductibles and out-of-pocket maximums can reset on January 1. Planning ahead for these resets can help avoid unexpected financial strain.
By reviewing a surrogates current plan, exploring secondary coverage, and setting a realistic budget, you’ll lay the groundwork for a smooth and positive surrogacy experience.
How ABC Surrogacy Assists with Insurance
Expert Guidance
At ABC Surrogacy, we understand how confusing insurance can be—especially regarding surrogacy. That’s why we partner with a network of experts who focus on policies for surrogates. They know how to identify surrogacy exclusions and spot truly surrogacy-friendly plans. By reviewing a surrogates current policy (or helping you find a new one), they ensure you have solid coverage in place before the journey begins.
Tailored Support
Every surrogacy experience is unique, and so is every budget. Our team at ABC will discuss all your insurance options with our insurance expert, helping you choose coverage that matches your financial situation and needs.
Transparency & Advocacy
We believe in clear, honest communication. From day one, we make sure you understand what’s covered.
Frequently Asked Questions
Can we use our surrogate’s existing insurance?In many cases, yes. However, you’ll need an expert to check for any exclusions specific to surrogacy. If a policy excludes surrogacy, it may only pay a portion of medical bills—or none at all.
What if insurance changes mid-pregnancy?
This can happen. A policy might switch providers or introduce new terms at the start of a calendar year. Having a backup plan or secondary insurance in place can help protect you from surprise bills.
Can I switch insurance plans if I’m already pregnant through surrogacy?
This can be challenging. Most insurers have specific enrollment periods, though life events like job loss may qualify you for special enrollment. If you’re already pregnant and need a new plan, consult with a specialist to understand what’s available in your state.
Who Is Abundant Beginnings Company (ABC Surrogacy)?
Abundant Beginnings Company—often called ABC Surrogacy—was founded by Julie Allgood and Nicole Lawson, who share over 30 years of combined experience in the surrogacy field. Their commitment to ethics, compassion, and mutual respect has shaped ABC into a trusted partner for surrogates and intended parents alike.
Over the years, ABC Surrogacy has helped hundreds of families worldwide achieve their dream of parenthood. By partnering with us, you’re not just choosing an agency—you’re joining a caring community of professionals and fellow parents who understand the joys and challenges of this extraordinary journey.
Disclaimer: The information provided here is for general educational purposes only and does not constitute legal or medical advice; always consult a qualified professional for guidance specific to your situation.