Exploring Surrogacy Insurance Options

Bringing a child into the world through surrogacy is a journey filled with hope and anticipation. However, like any significant endeavor, it comes with its own set of considerations and challenges. One of these crucial considerations is surrogacy insurance – a topic that requires careful exploration to ensure a smooth and secure journey for all parties involved. In this article, we’ll delve into the various surrogacy insurance options available for intended parents and surrogates.

Understanding the Basics

When it comes to gestational surrogacy, intended parents are typically responsible for covering the surrogate’s medical expenses, including insurance. There are several scenarios that can arise based on the surrogate’s existing insurance coverage, and here are the primary options for securing suitable insurance:

1. Surrogate’s Own Surrogacy-Friendly Insurance

In some cases, the surrogate may already have insurance that is deemed suitable for a surrogacy journey. These policies have been carefully reviewed by professionals to ensure they don’t have exclusions that would hinder the surrogacy process. If the surrogate’s policy qualifies, the intended parents will still need to cover expenses like deductibles, co-pays, co-insurance, and possibly some or all of the monthly premiums. This option can provide a smoother path forward, as the insurance is already in place and tailored for surrogacy needs.

2. Open Market Policies Through ACA

When the surrogate doesn’t have surrogacy-friendly insurance or is uninsured, intended parents can explore securing a policy through the Affordable Care Act (ACA) during the open enrollment period. This typically occurs for a narrow window of 4-8 weeks from late November to early January, although specific timelines can vary by state. While this option provides a potential solution, intended parents will be responsible for premiums, deductibles, co-pays, and co-insurance. It’s important to note that the timing of the open enrollment period can play a crucial role in utilizing this option effectively.

3. Alternative Solutions Through Lloyds of London and Self-Pay Options

In situations where the surrogate is ineligible for an ACA policy due to coordination of benefits, exclusions on her primary policy, or lack of surrogacy-friendly ACA policies in her area, alternatives come into play. Lloyds of London offers coverage options, and there are self-pay alternatives backed by insurance companies to address potential complications. While these alternatives can offer solutions in complex situations, they may require more intricate navigation and thorough understanding.

Navigating the Evolving Landscape

The world of insurance is ever-evolving, and surrogacy is no exception. Professionals in both the insurance and surrogacy industries are continually assessing timing, regulations, and new insurance offerings to find the best and most cost-effective coverage for each unique surrogate situation. This dynamic nature can make finding the optimal path forward a moving target.

Fortunately, surrogacy agencies like Elevate Surrogacy understand the complexities of surrogacy medical insurance and provide valuable guidance. Experienced case managers at such agencies handle the intricate details, allowing intended parents and surrogates to focus on the most important aspect – the upcoming arrival of their baby.


The journey of surrogacy is a profound experience filled with anticipation, love, and intricate considerations. Among these considerations, surrogacy insurance holds a significant place. Depending on the surrogate’s existing insurance situation, intended parents have various paths to explore, each with its own set of benefits and challenges. Whether it’s leveraging the surrogate’s own surrogacy-friendly insurance, exploring ACA options during the open enrollment period, or turning to alternative solutions, careful planning and guidance from experienced professionals are essential.

As the insurance landscape and regulations continue to evolve, the collaboration between surrogacy professionals and insurance experts becomes increasingly important. With dedicated case managers at the helm, intended parents can navigate the intricacies of surrogacy insurance confidently, focusing their energy on the joyous moments that lie ahead – the birth of their long-awaited baby.  To learn more about becoming Elevate Surrogacy, please contact us at info@elevatebaby.com, or 323.933.8918.


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