Surrogacy is expensive for intended parents.  The costs quickly add up when you consider medical expenses, legal expenses, and surrogate compensation.  And while the results of surrogacy are priceless, it is important to control costs when we are can.  Intended Parents can spend over $100k for each journey.  For many intended parents, it is important that the gestational carrier they choose has her own medical insurance to cover the cost of the pregnancy.  This allows for more cost control and reduces unknown expenses during the journey.

If a woman is considering becoming a gestational carrier/surrogate in 2020, she will need to continue with her own private health insurance or enroll in an ACA health insurance plan during Open Enrollment.   And while there are still many unknowns for 2020, you are still required to have health insurance unless you qualify for an exemption.

If you are uninsured, you will need to enroll during the 2020 health insurance enrollment period which, for most states, runs from November 1, 2019 through December 15, 2019 (for a January 1, 2020 effective date).  If you do not enroll during this time, then you may be out of luck for subsidized plans for 2020.  Family Choice does work with providers who can help intended parents purchase a policy to cover the pregnancy, but these policies are expensive.

How do you know if surrogacy is covered?

At Family Choice, we work with a third-party provider who analyzes each prospective carrier’s policy to look for surrogacy exclusions.  We will provide qualified gestational surrogates with an analysis of their plan, regardless of whether it is a private insurance plan or an ACA plan.  Although many states, including Indiana, have had many ACA health insurance companies leave, there are still options that do cover surrogacy.

Contact Family Choice today if you have questions regarding your insurance options or if you are considering giving a miraculous gift of a family today.