In today’s ever-changing world and with the new Obamacare health care reform plan on there being quite a few changes to health insurance provisions in the next few years. Many are asking just what is no longer going to be covered. So does your insurance cover surrogacy? Or do you have surrogate-friendly insurance?
Health insurance companies typically have a lot of legalities and a great deal of “small print,” in their benefits and their exclusions and limitations, leaving policy holders uncertain of which services and procedures they are insured and which are not. For those who have intentions of starting a family or expanding their current family, oftentimes typical maternity and standard OB care is covered, as well as newborn coverage for a certain amount of time. Yet, for individuals and couples who are struggling with infertility and having trouble conceiving, insurance for routine maternity and newborn care is rarely covered. Using a surrogate mother may be their only option to become a parent, leaving them to wonder and worry whether or not this type of procedure is covered by their insurance plan.
Currently, there are a few insurance companies who will cover a surrogate pregnancy and delivery as well as insurance that was specifically put in place for this type of service, leaving the guessing out of what is and is not covered. Always be sure to check with the company to verify surrogacy insurance coverage or, more specifically, their exclusions and limitations regarding surrogate insurance. In most cases, if there is not a specific clause that states that maternity care for a surrogate mother is not covered, they are required to cover her under the same provisions as any standard pregnancy and delivery.
It is always recommended that if you are uncertain about surrogate health insurance, get another opinion by speaking with an attorney or insurance agent who is well versed in these types of situations.