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PROFESSIONAL LIABILITY
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EGG DONOR/RECIPIENT INSURANCE
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SURROGATE INSURANCE

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SURROGATE LIFE INSURANCE:
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THE NEWBORN RESOURCE:
FINANCIAL CASE MANAGEMEN
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THE MATERNITY RESOURCE:
FINANCIAL CASE MANAGEMENT

Whether you need help with egg donor insurance for the donor and/ or the recipient or if you need guidance for your surrogates maternity, health, or life insurance, or if you are setting up post birth coverage for your newborn(s) we are here to help you! Whether you are a domestic Intended Parent or an International Intended Parent we have programs for you. 

EGG DONOR/ RECIPIENT INSURANCE*

Whether the need is for a single cycle, for a clinic or agency, we have you covered.  Most health insurance policies have exclusions or limitations when it comes to Assisted Reproductive Technology procedures.  This can leave a gap in coverage, creating a financial exposure for IVF clinics, agencies and intended parents.   Egg Donor and Recipient Liability  Insurance Program transfers the risk to an A.M. Best’s A Rated Insurer.


SURROGATE MATERNITY CONTRACTUAL LIABILITY INSURANCE PLAN*

Health insurance policies often exclude maternity medical coverage for surrogates.  Intended Parents are contractually responsible for the medical bills of their surrogate for pregnancy and chilcbirth.  The Surrogate Maternity Contractual Liability Insurance Plan is a complications only insurance policy that pays maternity medical expenses that occur during a pregnancy.  Intended Parents by purchasing this plan obtain the administrative services and insurance coverage to effectively manage their surrogate’s maternty and childbirth expenses.  The plan not use a network; surrogates are free to seek medically necessary care from any physician and/or medical facility. This plan is written specifically for surrogates therefore negating worry of questionable coverage.  This plan is available either on a primary or a secondary (back-up) basis. Intended parents are provided access to a secure, online portal where they can track all claim activity and expenditures.


TRADITIONAL INSURANCE OPTIONS

ART Risk Solutions evaluates both individual and employer sponsored health plans determining the appropriateness of that plan for surrogacy.   In some states the surrogate may apply for individual health insurance to cover the surrogate maternity costs.  ART Risk Solutions evaluates the surrogate’s needs making recommendations to Intended Parents on all options available for their location as well as their situation.   As each journey is different, it is important to look at each client individually.  With each client policies are reviewed and solutions are tailored to suit the individuals’ journey.


TRADITIONAL LIFE INSURANCE

Life Insurance policies are available through traditional insurance carriers offering a wide variety of policy limits.  At ART Risk Solutions, we evaluate all available options, working with Intended Parent and Surrogates to insure that appropriate coverage is in place.


THE NEWBORN RESOURCE: Financial Case  Management

Newborn insurance is difficult and expensive to obtain for International Intended Parents. The Newborn Resource, while not insurance, will aggressively negotiate the lowest possible rates for newborn medical expenses.  This program provides peace of mind knowing that the medical bills are being negotiated and processed by experienced professionals, allowing intended parents time to focus on what matters most; their family.


 THE MATERNITY RESOURCE: Financial Case Management

The Maternity Resource is for intended parents who do not want to purchase insurance and/or insurance is not available.  Unique to the cost containment industry, there is no network of providers; allowing for unrestricted access to physicians. Aggressive negotiations, prompt payment of all maternity related expenses from Intended Parent established trust, protects the financial interest of both Intended Parents and surrogates.