Surrogacy coverage
Surrogacy coverage refers to an insurance policy provision or separate plan that pays for medical expenses related to a surrogate pregnancy. Most U.S.
Health insurers, such as Anthem and UnitedHealthcare, generally exclude surrogacy coverage unless purchased as a specific rider. Few employer-sponsored plans–like Google’s or Facebook’s–offer surrogacy benefits covering up to $75,000 for associated medical costs.
Surrogacy coverage typically excludes the intended parents’ infertility treatments but may cover prenatal care for the surrogate. Surrogate maternity policies often require documentation of gestational carrier agreements before activation.
Medicaid and most state-run programs do not provide surrogacy coverage under current 2024 guidelines, as noted by the Insurance Information Database. Insurers, including Aetna and Blue Cross Blue Shield, classify surrogacy exclusions in summary plan descriptions.
Out-of-pocket costs for uninsured surrogates average $12,000–$25,000 per pregnancy according to American Society for Reproductive Medicine data. International intended parents usually cannot access U.S.-Based surrogacy coverage due to residency requirements.
Some specialty insurers–like ART Risk Solutions–provide dedicated surrogacy complication policies covering postpartum emergencies. Coverage eligibility varies by state; California mandates certain inclusive provisions, while Texas does not require surrogacy-related coverage by law.
Does Aetna insurance cover surrogacy?
Yes, Aetna insurance offers coverage for surrogacy and fertility treatment. Surrogacy is covered under many of their individual plans, providing financial assistance for medical expenses related to the process. Depending on the plan, coverage may include fertility testing, ovulation induction medications, artificial insemination services and even some genetic testing services. Coverage will vary based on…
How much does surrogacy insurance cost?
The cost of surrogacy insurance varies based on various factors, including the intended parents’ health histories, their age and where they live. Generally speaking, surrogacy insurance can range anywhere from $1,000 to $5,000 depending on the specifics of each case. Some health insurance companies may cover some or all of these costs; it is important…
Does medical insurance cover surrogacy?
Yes, medical insurance often covers surrogacy. Most health plans will cover at least some of the costs associated with surrogacy, including in vitro fertilization (IVF), pre-natal care, and delivery expenses. However, coverage may vary depending on the type of plan and where you live. Out-of-pocket expenses such as egg or sperm donor fees are not…
Does health insurance cover surrogacy?
Yes, some health insurance plans cover surrogacy. The extent of coverage depends on the specific policy. Some insurers may provide full or partial reimbursement for medical expenses associated with the surrogate process such as fertility treatments, legal fees, and pregnancy-related costs. Other health insurance plans may not cover surrogacy at all, or only provide minimal…
See also Surrogacy insurance.