Surrogacy Insurance: Covering Surrogate Medical Costs
Navigating surrogacy-related medical expenses can be overwhelming, especially with insurance companies often adding complexity, confusion, and delays. But ConceiveAbilities offers a better way.
With 30 years of experience, we have a deep understanding of the true costs of an IVF pregnancy and simplify the surrogacy process by providing complete and comprehensive direct medical coverage for your surrogate.
Surrogacy Insurance vs Direct Medical Coverage: The ConceiveAbilities All-In Difference
ConceiveAbilities All-In Program covers your surrogacy-related medical expenses – from the beginning of your surrogacy journey through fourth trimester postpartum recovery, with no out of pocket expenses. Our coverage conforms to a standard major medical policy, ensuring ease and clarity throughout the process.
From the start of your surrogate’s medical screening with your fertility clinic through delivery, neither you, nor your surrogate, 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 surrogate are fully supported.
Unlike other agencies that leave you to manage insurance claims and disputes, our All-In Program removes the hassle by offering comprehensive, direct coverage from the start of your surrogate’s medical screening at your fertility clinic through delivery and postpartum 4th trimester recovery. With our direct medical coverage, your surrogate’s IVF-complications (if any) and pregnancy-related medical expenses are fully covered, just like a major medical policy but without the headaches.
Please note that intended parents are responsible for medical costs associated with their fertility clinic, fetal care, out-of-network providers, holistic treatments, and optional testing requested by intended parents. We'll work closely with your surrogate to integrate and optimize any and all of her existing insurance coverage, ensuring she’s fully protected.
This streamlined protection allows you to focus on what truly matters—welcoming your baby—while we manage all the details, ensuring both you and your surrogate are fully supported.
Medical Coverage: What You Need to Know about Surrogate Insurance and Direct Coverage Costs
Providing the best medical coverage for both you, and your surrogate, is essential for a successful surrogacy journey. We are committed to offering you and your surrogate the highest level of protection and peace of mind as you navigate your surrogate pregnancy and work towards building your family.
Your Surrogate’s Insurance: What Role Does Your Surrogate’s Insurance Policy Play?
Your surrogate’s existing insurance policies may provide coverage for some surrogacy-related medical expenses. We will collaborate closely with your surrogate to optimize and fully integrate the benefits of any existing insurance coverage she has, alongside the direct medical coverage provided through our program.
Medical Coverage Support
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. Additionally, they will work with your surrogate to maximize the benefits of her existing insurance coverage.
Surrogacy Insurance: We Are All In Providing the Most Comprehensive Coverage for Your Surrogacy Journey
Due to our history in third party family creation, our long-standing relationships, the quality of our surrogates and our high success rate, we can offer access to coverage and pricing unmatched by any other agency.
Nazca Fontes, Founder + CEO
Coverage and costs
Medical coverage is part of the overall cost of gestational surrogacy and is included in our All-In Program price. ConceiveAbilities takes our medical coverage a step above other surrogacy agencies by providing you and your surrogate with direct coverage. Our All-In Program offers you, and your surrogate, the highest level of security as you pursue a surrogate pregnancy and, ultimately, your family’s future.
Surrogacy Medical Coverage and Surrogacy Insurance Frequently Asked Questions
What will my surrogate’s medical coverage cost?
Your surrogate’s direct medical coverage is included in our All-In Program.
Am I responsible for covering my surrogate’s medical costs?
Yes. Intended parents are responsible for their surrogate’s medical expenses. Our comprehensive All-In Program includes comprehensive medical coverage and is designed for a gestational surrogate’s health and the intended parents’ peace of mind.
Does a surrogate need their own insurance?
Yes. As outlined in her contract, your surrogate is required to carry her own insurance. Our team of insurance experts will conduct a thorough, formal insurance review to ensure we maximize the benefits of her existing coverage. Any surrogacy-related medical expenses not covered by her insurance will be addressed through our direct coverage, similar to any major medical insurance policy. The cost of our All-In Program encompasses all payments and deductibles related to your surrogate’s medical expenses related to the surrogacy pregnancy, including any costs associated with her insurance premiums and direct coverage.
Can I use my medical insurance to cover the surrogacy journey?
No. Because insurance plans won’t cover non-members, your policy will not cover the gestational carrier. However, the intended parents’ insurance may cover medical costs for the baby once it is born.
As part of our All-In Program, we will work with your surrogate to maximize benefits on her insurance policy.
Does the surrogacy cost cover life insurance for my surrogate?
Yes. Our All-In Program cost includes a life insurance policy for your surrogate of up to a $500,000 life insurance policy for your surrogate, or the maximum of what she qualifies, at no additional cost to you.
Do I need to purchase a complications insurance policy or bed rest insurance policy?
No. With our All-In Program, ConceiveAbilities is providing full coverage for your surrogate’s medical needs during the IVF process and financial needs related to bedrest. As a result, there is no need to purchase a policy that could potentially include exclusions.
When will medical coverage for my surrogate start?
Our direct medical coverage provides comprehensive protection from the beginning of your surrogacy journey through to the fourth trimester postpartum recovery, with no out-of-pocket expenses for you. We handle all medical costs, ensuring you and your surrogate are fully supported throughout the entire process - but for reasonable and plain English exclusions that are detailed for you.
How does partnering with a leading surrogacy agency ensure my surrogate has the right medical coverage?
ConceiveAbilities is the most experienced surrogacy agency and we are able to offer this innovative program because of our knowledge and insights about surrogacy costs related to IVF and pregnancy. With three decades of experience, our comprehensive direct medical coverage safeguards you from the start of your surrogacy journey through your surrogate’s postpartum recovery, including her fourth trimester.
Is there anything that is not covered?
Intended parents are responsible for any medical expenses related to fetal care, out of pocket or non-approved providers, second opinions, holistic treatments, and any optional testing requested by the intended parents.