Prospective Gestational Surrogates and Health Insurance

by | Oct 29, 2020

Prospective Gestational Surrogates and Health Insurance, Pregnant woman signing paperwork, Surrogacy and health insurance


*This article was written in 2020. For up-to-date information on surrogacy and health insurance, click HERE.

Controlling Costs in Surrogacy and Health Insurance

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 whenever possible. Intended Parents can spend over $100k for each journey. For many intended parents, it is important that the surrogate they choose has medical insurance to cover the pregnancy costs. This allows for more cost control and reduces unknown expenses during the journey.

How Does This Apply to Me?

If someone is considering becoming a gestational carrier/surrogate in 2021, she should continue with her private health insurance. Or, she could enroll in an ACA health insurance plan from the marketplace during Open Enrollment. Despite what some may think, ACA (or Obamacare) has not been repealed. And while there are still many unknowns for 2021, 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 2021 health insurance enrollment period which, for most states, runs from November 1, 2020 through December 15, 2020 (for a January 1, 2021 effective date).  If you do not enroll during this time, the health insurance options for the surrogate and her intended parents are limited and expensive.

How do you know if a surrogate pregnancy 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 the type of insurance she carries. If you are uninsured, FCS will work with our qualified surrogates, during Open Enrollment, to find them a surrogacy-friendly plan. If you have questions about insurance or are interested in giving the miraculous gift of family, Contact Family Choice, today.


*This article was written in 2020. For up-to-date information on surrogacy & health insurance, click HERE.

Sincerely, Family Choice Surrogacy