For intended parents, getting health insurance coverage for your gestational surrogate is one of the most important parts of the journey.

However, as with anything insurance related, it can be complicated. Insurance companies aren’t required to cover a surrogacy pregnancy, and surrogacy policies vary from company to company. 

Many intended parents and prospective surrogates have questions about insurance. Do I need to get health insurance for my surrogate? Can the surrogate use her own insurance? Where do I find surrogacy insurance?

We’ll answer these questions and try to simplify the process as much as possible!

Will the surrogate have health insurance that covers the surrogacy?

It’s possible, although only around 10% of surrogates have a policy that’s usable for surrogacy. Most will need a supplemental surrogate insurance policy. 

A third party insurance specialist will need to do a formal review of her policy to make sure it will cover the surrogacy pregnancy costs. 

Can we use the surrogate’s insurance for the surrogacy? 

If the surrogate’s policy does cover her surrogacy, she will need to provide consent for the intended parents to use the coverage. 

How do I get surrogacy insurance?

Intended parents can purchase a supplemental insurance policy that will cover the surrogate’s medical costs.  

As soon as the intended parents and surrogate are matched, Surrogate Parenting Services (SPS) connects the intended parents with a trusted insurance specialist, ensuring you have plenty of time to review options thoroughly. 

We also offer options for international intended parents who need to purchase insurance for the baby after delivery. 

Will the surrogacy insurance cover infertility treatments too?

Depending on your insurance, your infertility treatments may be covered up to a certain amount. Typically, this insurance covers the IVF costs to create an embryo. 

As of August 2020, 19 states have laws that require insurance companies to either offer or cover coverage for infertility diagnosis and treatment. In California, health insurance companies must offer infertility insurance coverage for diagnosis and treatment of infertility, but they aren’t required to cover IVF. 

Learn More About Becoming a Surrogate with Surrogate Parenting Services 

Surrogate Parenting Services is proud to celebrate 30 Years of helping to bring dreams to life! Founded in 1990, Surrogate Parenting Services (SPS) is a full-service surrogacy program that offers both parties an exceptionally supportive environment throughout the surrogacy relationship. We’re passionate about creating ideal matches between surrogates and intended parents, so the journey is fulfilling for both sides and the future child is brought into this world in the best possible circumstances.   

Learn more about our Surrogacy Program online or by calling (949) 363-9525.