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THE MATERNITY RESOURCE:
FINANCIAL CASE MANAGEMENT
HEALTH INSURANCE AND SURROGACY
Health Insurance is a constantly changing world. Many policies exclude surrogacy or have very vague language regarding surrogacy. Other policies will cover surrogacy, but will ask to be reimbursed the cost of the pregnancy. The policies change frequently and navigating this important part of the surrogacy process can be very confusing.

There are several different types of policies that may cover a surrogacy:
  1. The Surrogate’s health insurance through an employer
  2. An individual policy offered through commercial insurers ie: Blue Cross/Blue Shield*

Should you wish to use a policy not specifically designed for surrogacy, the policy should be carefully checked to see if it will cover a surrogate pregnancy. If an individual policy is to be used, the policy and the application need to be carefully reviewed.

ART Risk, Financial Solutions has extensive knowledge in all types of health insurance policies and their applicability to surrogacy. We will review the surrogate’s current policy, and make needed recommendations regarding the policy. Should the surrogate not have coverage, we will make recommendations regarding policies that may be appropriate for surrogacy.

For more information on services provided regarding health insurance, please contact ART Risk Financial Solutions.


Click here for the Surrogate Maternity Contractual Liability Insurance Plan; a non-traditional insurance plan through an A.M. Best's A rated insurer.