INTERNATIONAL NEWBORN COVERAGE OPTIONS

Services for Intended Parents  Services for Surrogates  Services for your Clients
Descriptions of coverage options for newborns born in the U.S.

ART Risk Solutions offers many options for International Intended Parents who will need newborn coverage once the baby is born through U.S. Surrogacy. Provided below are the options for our International Intended Parent clients.  On the reverse side, further explanation is provided for each of these coverage options.  If after reading the provided information you have further questions, please call 1-888-799-7077 to schedule a phone consultation with one of our insurance brokers.

ALLIANZ– This type of insurance policy is written in the name of the Intended Parent.  A child may be added to the policy upon birth. Allianz will only cover a Singleton with complications. There is no well-baby care or care for twins. Allianz cannot be written in China, Australia, Ireland, Switzerland, or to U.S. citizens doing a surrogacy in Canada.  Allianz is a travel policy that will work for newborn expenses incurred in Canada and the United States.

LLOYD’S OF LONDON– This type of insurance policy is written in the name of the Intended Parent and is specifically for newborn care only.   The policy may be written for a singleton or twins.  Covering both well baby and babies born with complications, Lloyd’s of London is uniquely written for babies born through surrogacy.

ACA – GENERAL INFORMATION– ACA is the Affordable Care Act (Obamacare). You must be either a U.S. citizen or have the legal right to reside in the United States. Residency is looked upon as a home domicile.  Where do you make your home?  Where do you pay your taxes?  If you pay taxes, do you file as a resident or non-resident? Do you have bank accounts in the state where you are purchasing insurance?  Do you have a state issued driver’s license?  Do you have a mortgage in the state where you are purchasing insurance? All of these components factor into whether or not one is considered a person who is able to legally reside in the United States.  If you are in the U.S. on a traveler’s visa, you do not have the right to reside within the United States and therefore do not have the right to purchase insurance.

ACA – Gestational Carrier’s Policy– This type of insurance policy is only possible during a post-birth order and in states where it is legal.  The policy does not have restrictions on number of babies that may be added to the policy.  The baby is added to the Gestational Carrier’s insurance as a dependent.  As the baby is being looked upon as a dependent you must speak with an attorney in that state to see if the newborn child(ren) are legally considered the Gestational Carrier’s dependent.  ART Risk Solutions does not recommend the baby be added to the Gestational Carrier’s insurance.  The safer way to go about this is to have separate insurance purchased on behalf of the child.

ACA – Child Only Policy– This type of insurance policy is only possible during a post-birth order and in states where it is legal.  The policy does not have restrictions on number of babies that may be added to the policy.  A person (Gestational Carrier may be included) who has the legal right to purchase insurance in the United States and for the baby(ies) does so for the child(ren) only.  You must speak with an attorney in that state to see if the person purchasing the insurance is legally able to do so.

CASH PAY– This type of payment method is NOT insurance.  This payment method requires the Intended Parent to negotiate directly with the hospital and doctors. Because this is NOT insurance there is NO cap on the financial responsibility of the Intended Parent.   ART Risk Solutions does offer a program whereby we can help you negotiate those rates. This program is case management and again is not insurance.  Whatever discounted amount is determined is what will need to be paid.