Does Insurance Cover Surrogacy? What Every Family Needs to Know

Surrogacy can be an amazing journey, but it can also be a complicated experience, especially when it comes to financial and insurance considerations. The number one question that most intended parents ask is, “ Does insurance cover surrogacy ? ” As is often the case, the answer is not cut and dry and differs based on the insurance provider, the policy details, and the state in which you live. Explaining Insurance & Surrogacy Benefits In many instances, standard health insurance does not cover costs related to surrogacy for intended parents. Some policies may cover the medical care of the surrogate, but usually, the policy excludes services provided to or by third parties if they relate to surrogacy. In this way, you have an insurance hole that must be planned for in advance. Some intended parents will purchase specialty insurance for the surrogate to cover the lack of insurance coverage, thus providing proper medical coverage during the pregnancy. It is crucial for the intended ...