Comprehensive Surrogate Health Insurance & Medical Coverage | ConceiveAbilities

Surrogate Health Insurance & Medical Coverage – What You Need to Know

Surrogacy can be complicated with many moving parts, insurance and medical coverage being a key part. As your full service surrogacy agency, it is our job to guide and protect you through every step of the process. From screening to delivery through to your fourth trimester, you need to ensure you are taking care of yourself and your health remains a priority.

Our All-In Surrogate Care and Compensation Package offers the most comprehensive care and protection available to surrogates. With our Life Simplicity Promise, you have a dedicated Medical Billing Specialist who will ensure you are completely protected.

Medical Coverage With ConceiveAbilities, You. Are. Covered.

It is one of your surrogate rights to have adequate medical coverage that covers your surrogate pregnancy at no cost to you.

• Comprehensive, direct coverage of your medical expenses from the start of your medical workup with the fertility clinic through delivery, with no out-of-pocket expenses, ensuring ease and peace of mind for you and your family throughout your surrogacy journey
• A dedicated Medical Billing Specialist handles every aspect of your direct coverage, eliminating potential coverage disputes and complexities of a major insurance policy. We handle it directly, and immediately, for you
• Life insurance coverage of up to $500,000 (or the maximum of what you qualify for), at no cost to you, reflecting our unwavering commitment to your safety and peace of mind.

And unlike other agencies, your base surrogacy pay with ConceiveAbilities is not affected by whether or not you have insurance that covers a surrogacy pregnancy.

Understanding Surrogate Medical Coverage

Surrogate Insurance Requirements

As part of our program, it is required that you maintain health insurance for yourself throughout your entire journey. This coverage must be in place to address any personal health needs unrelated to the surrogate pregnancy. From screening to delivery through to your fourth trimester, you need to ensure you are taking care of yourself and your health remains a priority.

Direct Coverage vs Insurance Coverage for Surrogate Medical Expenses: What You Need to Know

ConceiveAbilities offers comprehensive, direct medical coverage that ensures you are fully protected from the beginning of your surrogacy journey through fourth trimester postpartum recovery, with no out of pocket expenses. We take care of all medical expenses.

With 30 years of experience, we have a deep understanding of the true cost of an IVF pregnancy and are uniquely positioned to provide seamless and comprehensive insurance coverage. Our “All-In” direct protection fully covers your medical expenses – from the start of the In Vitro Fertilization (IVF) process and through your surrogacy pregnancy and recovery, as per a standard major medical policy, ensuring ease and clarity throughout the process. From the start of medication through delivery, neither you, nor your intended parents, will need to worry about dealing with insurance companies, potential disputes, surprise billing, late bills, or the complexities of coverage: we’ve got it all handled, directly and immediately. This allows you to focus on what matters most, a healthy surrogacy journey, while we manage the details behind the scenes, ensuring both you and your intended parents are fully supported.

Start your surrogacy journey today knowing you have the most comprehensive surrogate package available.

Expert Review of Your Health Insurance for Obstetrical Care

After you are medically cleared by the fertility clinic, ConceiveAbilities provides a review of your own health insurance to determine if it can be utilized for a surrogate pregnancy. We will work with you to integrate and maximize the benefits of any and all existing insurance coverages that you have. Anything surrogacy-related not covered by your health insurance, will be covered with the direct medical coverage we are providing through this program.

Life Insurance Benefit

As part of your All-In Surrogate Care and Compensation Package, we offer some form of life insurance benefit coverage of up to $500,000 (or the maximum for which you qualify), completely free of charge. This underscores our strong commitment to ensuring your safety and peace of mind.

Even More Surrogate Support, Care and Compensation in 2024! Learn more about our enhancements to our All-In Surrogate Care and Compensation Package.

Meet Our Surrogacy Insurance Experts: Your Guide to Seamless Medical Coverage

Ashleigh Waring

As the Financial Operations Manager, Ashleigh is responsible for creating the financial framework for each surrogacy journey. She also manages the Insurance and Claims Management team and works closely with surrogates and third-party insurance professionals to oversee insurance and medical billing and other vital financial activities.

Ashleigh came to ConceiveAbilities with over 11 years’ experience in the Regulatory and Operations area at Kaiser Permanente. She holds a Bachelor of Science in Business with a specialization in Health Care Management. Ashleigh has blessed four families with five children as a gestational carrier, so she knows personally and professionally how to navigate the intricacies of medical billing for a surrogacy journey.

Christina Bleimeyer, LICSW

As an Insurance/Claims Associate, Christina works to ensure the proper insurance and coverage is in place for each surrogacy journey, assisting in the claims management and reimbursement process as well. Christina has spent her career helping to build families, first as a social worker, conducting evaluations of surrogate applicants and providing clinical support for surrogates throughout their journeys, and later as an insurance specialist. Prior to entering the surrogacy field, she worked for a mental health facility serving LGBTQ+ adults. She holds a Bachelor of Arts in Psychology from Hamilton College and a Master's in Social Work from Simmons University.

Common Medical Coverage and Surrogacy Insurance Questions Answered

Am I responsible for any medical expenses related to my surrogacy pregnancy?
No. Intended parents are responsible for their surrogate’s medical expenses. Our comprehensive All-In Program includes comprehensive medical coverage for your health and your and your intended parents’ peace of mind.

Will I be using my own health insurance for any medical expenses during this process?
During the screening process, our team will review your current health insurance plan for maternity coverage while acting as a gestational carrier. Depending on the plan, we will determine if your health insurance can be used for surrogacy-related medical expenses. In some cases, we will also call your insurance company directly to confirm coverage. Any surrogacy-related medical expense not covered by your insurance will be covered by direct medical coverage, at no cost to you. You will have no out of pocket expenses.

My health insurance cannot be used for my maternity claims. Now what?
Any surrogacy-related medical expenses not covered by your insurance will be addressed through our direct coverage coverage program, similar to any major medical insurance policy.

When does my direct medical coverage begin in my surrogacy journey?
Our direct medical coverage guarantees comprehensive protection from your medical screening with your intended parent's fertility clinic through delivery and recovery, with no out-of-pocket expenses for you. We take care of all medical expenses, providing full support for you every step of the way.

What happens if I am using my health insurance and the insurance company denies my maternity claims?
With direct medical coverage, you will not have to worry about that. Your dedicated Medical Billing Specialist will manage every detail, removing the risk of coverage disputes and the complexities associated with traditional insurance policies.

Will I be responsible for making any payment directly to providers and will I be reimbursed for any medical expense?
No. You will not be responsible for making any payments out of pocket. Your Medical Bill Specialist will work with your providers and intended parents to make sure all surrogacy-related payments are made.

Can I use my current OB provider or do I need to find a new OB provider?
Absolutely! We encourage you to use the providers you are most comfortable with for your maternity care. If necessary, we will work with you to confirm they are in network with your medical coverage. If a change in providers is necessary your Match Experience team will work with you to find new providers that you are comfortable with and will work with your current insurance.

What happens if my personal insurance changes?
In the event that your insurance coverage is interrupted or discontinued, our team will assist you in securing alternative health coverage to ensure you are fully protected throughout the remainder of your surrogacy journey. With our direct coverage, any surrogacy-related medical expenses remain covered, with no out of pocket expenses to you.

I’m in the military. Does TRICARE insurance cover surrogate pregnancies?
While TRICARE for surrogacy healthcare is a limited benefit, as experts in working with military families, ConceiveAbilities ensures you are fully covered to receive the very best medical care from the very best experts throughout your surrogacy journey. ConceiveAbilities provides direct medical coverage to cover all expenses of the surrogacy journey. Learn more about surrogacy and the military community.

Inspired to Help Someone Become a Parent?

Are you a woman who enjoyed a healthy and successful pregnancy? Do you have friends or family who have suffered from infertility or need assistance from someone else to build their family? Have you ever considered the role you could play in helping someone else build their family - as a surrogate? Learn more about becoming a surrogate. We would love to talk with you.

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