Technically, there are none! There are no special ACA medical insurance designed to cover a woman for surrogacy. She’ll need medical insurance that doesn’t include an exclusion for her using the policy’s maternity benefit while functioning as a surrogate mother.
How much does it cost to have a surrogate baby?
What Is the Cost of Surrogacy? According to Leondires, the cost of using a surrogate ranges between $100,000 to $150,000. Yes, that is a six-figure sum. If initial attempts at fertilization fail or the parents elect to finance numerous pregnancies, the cost might rise to $300,000 or more.
How do I know if my insurance covers surrogacy?
Women can utilize their own insurance when they are carrying their own pregnancy. However, employing a surrogate can make this procedure more difficult because insurance plans and coverage differ.
Check that your surrogate’s insurance provider does not exclude surrogate pregnancies from their coverage plans if you want to cover her pregnancy with insurance. Because of certain clauses, it’s conceivable that your surrogate’s insurance provider won’t pay surrogacy charges.
As a first step, contact an insurance consultant recommended by your surrogacy service to determine your surrogate’s insurance coverage. You and your surrogate can determine how much insurance coverage you or your surrogate will receive based on your specific situation. You can also figure out if you need more coverage and how to handle out-of-pocket expenses.
Let’s look at how these factors will affect your overall insurance and financial strategy.
Your surrogate’s insurance provider
If your surrogate’s policy does not contain a specific exclusion for surrogate pregnancies, she may have her own medical coverage to cover part of the service. You may need to obtain a backup plan or a new plan for the surrogacy if her insurance contains exclusions.
Some insurance plans may include a surrogacy lien, in which they provide surrogate maternity coverage but reclaim a portion of what they have paid out because the surrogacy is compensated and the parents are deemed financially responsible.
Of course, top-rated surrogacy services always direct intended parents to an insurance specialist throughout the screening process to evaluate a surrogate’s insurance plan, so you can choose your surrogate knowing this information.
Out-of-pocket expenses
Out-of-pocket expenditures, such as co-payments for doctor’s appointments or charges not covered by your surrogate’s insurance, are borne by the intended parents, as is common in all surrogacy arrangements.
In most cases, the intended parents are also responsible for deductibles and out-of-pocket maximums. The parents’ financial responsibilities should be incorporated in contracts created by your solicitors prior to the surrogacy to give you an idea of potential costs and to give you a complete picture of your financial responsibilities.
Which is cheaper IVF or surrogacy?
One of the first decisions hopeful parents and potential surrogates must make when considering surrogacy is the type of surrogacy they wish to pursue.
There are two types of surrogacy: gestational and conventional. While Southern Surrogacy’s program focuses on gestational surrogacy, it’s critical to be aware of all of your options and how they differ. Learn more about the differences between traditional and gestational surrogacy in this article.
What is Gestational Surrogacy?
The most frequent type of surrogacy today is gestational surrogacy, also known as partial surrogacy or host surrogacy; in fact, Southern Surrogacy solely handles gestational surrogacy cases. But what is the procedure for gestational surrogacy?
The surrogate (also known as the gestational carrier) is not biologically linked to the baby she is carrying in gestational surrogacy. Instead, in vitro fertilization is used to generate the embryo in the lab (IVF). The intended mother’s (or donor’s) egg and the intended father’s (or donor’s) sperm may be used to generate the embryo. At the fertility facility, it is subsequently implanted into the surrogate’s uterus.
What is Traditional Surrogacy?
Traditional surrogacy involves the surrogate serving as both an egg donor and the biological mother of the child she is carrying; embryos are generated using sperm from the intended father or a donor in a procedure known as intrauterine insemination (IUI). Full surrogacy or genetic surrogacy are terms used to describe this form of surrogacy.
Traditional surrogacy is currently significantly less prevalent than gestational surrogacy since the process can be more legally and emotionally demanding.
Traditional Surrogacy vs. Gestational Surrogacy
The surrogate’s biological relationship to the child is the key difference between gestational and traditional surrogacy (or lack thereof). However, this minor distinction has a tremendous impact on the surrogacy procedure. Before deciding between traditional and gestational surrogacy, it’s critical for optimistic intended parents and potential surrogates to examine all of the following factors:
- IVF (used in gestational surrogacy) and IUI (used in traditional surrogacy) are two completely separate medical procedures. IUI is a less invasive procedure that requires the surrogate to go through fewer fertility treatments. In addition, because their eggs will not be used to make the embryo, prospective moms will not need to take fertility medicines or endure the egg retrieval procedure.
- The legal process for traditional surrogacy is more involved than for gestational surrogacy. In traditional surrogacy, the surrogate is the biological mother of the infant, hence she has parental rights that must be legally terminated when the kid is delivered. In some places, this implies the child’s non-biological parent will have to undergo a stepparent adoption in order to gain parental rights. Parentage is established before delivery through a pre-birth order, hence these additional legal steps are not required in the gestational surrogacy process.
- Waiting Period: Most surrogacy agencies, including Southern Surrogacy, specialize in gestational surrogacy. Furthermore, many surrogates prefer gestational surrogacy since it is less legally and emotionally taxing. This makes it more difficult to find a willing traditional surrogate and an agency to complete the process, lengthening the time it takes for intended parents to get a baby through traditional surrogacy.
- Costs: The cost of gestational surrogacy is generally higher than the cost of traditional surrogacy. This is due to variations in the medical process; IUI is less expensive than IVF and typically requires less medical procedures and reproductive treatments.
- Traditional surrogacy is riskier emotionally and legally than gestational surrogacy. In a typical surrogacy, the surrogate is the biological mother of the kid, therefore she is more likely to have an emotional relationship with the child, making it more difficult to hand him or her over to the intended parents. Because she has parental rights to the child, she may conceivably dispute the surrogacy agreement in court, resulting in a protracted and costly legal struggle for all parties involved.
When deciding between traditional surrogacy and gestational surrogacy, there are several advantages and disadvantages to consider. When deciding on the sort of surrogacy that is suitable for them, each intended parent and potential surrogate must examine their personal goals and interests.
How can I get a cheap surrogate?
Surrogacy is without a doubt a pricey procedure, with costs ranging from $60,000 to $150,000. Finding that amount of money can be difficult for many parents, but there are ways to make surrogacy more cheap for you as intended parents.
While surrogacy expenses are not tax deductible, and there are no tax benefits for becoming a parent through surrogacy, you can finance your surrogacy with loans, grants, or fundraising. If you’re having trouble paying for your surrogacy, don’t overlook the importance of enlisting the aid of friends and family.
In an ideal world, money would not be a barrier to intended parents starting a family. However, we recognize the financial hardships that surrogacy can bring, so we’ve broken down some of the surrogacy payment choices available to you.
Loans
The most common way intended parents pay for surrogacy is through loans. In reality, there are lenders who specialize in offering loans to couples who are undergoing reproductive treatments or planning to adopt a child through surrogacy.
Like any other loan, you should carefully analyze the interest rate levied on surrogacy loans and if you can afford the monthly payments even after becoming parents. Here are a few financing options to consider:
Furthermore, you should not rule out your friends and family as potential providers of surrogacy personal loans. Many of these people may have supported you throughout your infertility journey and understand how desperately you want to start a family, so they may be ready to lend you money on better conditions than a lender firm.
Grants
Rather than borrowing money for your surrogacy, you may be able to earn free money through fertility and surrogate grant programs. Of course, each grant program will have its own set of requirements for grant applications, so do your homework before deciding which one is right for you.
The Family Formation Charitable Trust (AAAA) is a non-profit organization that helps people afford assisted reproductive technologies.
Return the Favor Fertility Grants: For assistance with fertility therapy at any Society for Assisted Reproductive Technology (SART) member fertility clinic.
Tinina Q. Cade Foundation Family Building Grant: Gives infertile, low-income families up to $10,000 to help them start a family.
For help with egg and sperm donation, egg freezing, in vitro fertilization, artificial insemination, embryo donation, and gestational surrogacy, contact the Baby Quest Foundation.
Grants of up to $10,000 are available to help with the costs of infertility treatment and third-party reproduction.
Fundraising
Community fundraising activities are another typical way for intended parents to raise money for their surrogacy costs. Many intended parents have a supportive community of friends and family members who are eager to help raise finances for assisted reproduction in a variety of methods, which may not have been evident to you from the start. The following are some fundraising ideas:
Online crowdfunding: You can share your infertility and surrogacy story with a bigger audience by using sites like Kickstarter, where friends, family, and strangers can easily donate as much or as little as they choose.
A community gathering: You can enlist the help of your community to take donations and collect funds for your surrogacy procedure, whether it’s a simple garage sale or a larger event like a silent auction.
Turn a pastime into a company by selling your handcrafted items or services on sites like Etsy or partnering with a direct sales consultant. Use your money to help pay for your surrogacy.
As previously stated, don’t be scared to tell your friends and family about your financial difficulties. Asking for surrogacy funding instead of usual gifts for holidays or birthdays is an easy method to generate finances. Save your money properly and set aside a portion of your monthly paycheck for a surrogacy savings account. The sooner you start saving, the less difficult it will be.
Affordable Surrogacy Options
There are many fertility clinics and surrogacy companies that advocate for more cheap family-building options if you’re seeking for low-cost surrogacy programs. Some organizations have cheaper service prices in-house, while others collaborate with certain companies and programs to provide you with a lower total cost. Discounted treatment packages and financing are available through services such as:
However, it’s vital to keep in mind that if you’re searching for a low-cost surrogacy option, you’ll almost certainly have to forgo some level of service. To put it another way, you will receive the level of service that you have paid for.
As a result, American Surrogacy is one of the greatest surrogacy alternatives available. We recognize the value of excellent service throughout your surrogacy adventure, which is why we place such a high value on a surrogacy journey that benefits all parties involved.
Remember that a surrogate’s insurance may cover the pregnancy in many situations, which can help you save money during your surrogacy journey. However, not all surrogates have insurance, so if you’re counting on insurance to cover the costs of a surrogate pregnancy, we recommend waiting until you’ve raised enough money.
“Is it cheaper to adopt or have a surrogate?” you might think if you’re still contemplating surrogacy as a motherhood option. Adoption is now the less expensive choice for starting a family, while both routes will necessitate significant financial savings. If you’re thinking about expanding your family through adoption, call our sister company, American Adoptions, at 1-800-ADOPTION.
Keep in mind that this article is solely for educational reasons. We are not financial experts, and nothing we say should be taken as legal or financial advice. To identify the best solutions for your specific needs, you should speak with a financial advisor or an attorney.
Where can I find a free surrogate mother?
If you’re thinking about starting a family through surrogacy, you’re aware that it’ll be a costly process. Surrogacy is a sophisticated process with a lot of moving pieces and professionals involved in order to finish it safely and legally. When it comes to making surrogacy more economical, there aren’t many possibilities, but there is one huge one: finding a free surrogate mother.
The base pay offered to a gestational carrier is often one of the more expensive components of a surrogacy cost for an intended parent. By removing this reward, intending parents can embark on a substantially less expensive road to start a family.
However, finding a free surrogate mother is not as simple as it may appear. There are numerous factors to consider before embarking on this type of surrogacy adventure, and you may find that after learning more about it, it is not the appropriate choice for your family.
We’ve covered a few key points regarding working with a surrogate mother for free below to help you determine what’s best for you and your family. If you have any additional questions concerning surrogacy fees, surrogate compensation, or the prospect of partnering with an uncompensated gestational carrier, please contact our surrogacy experts at 1-800-875-2229(BABY).
Can a Surrogate Mother Do It For Free?
When you’re researching surrogacy, you’ll probably come across the most prevalent surrogacy option: compensated surrogacy. In this case, a gestational carrier receives a base salary (along with reimbursement for any medical or pregnancy expenses) in exchange for her services and sacrifice in carrying an intended parent’s child. Depending on the rules of the state where the gestational carrier lives and will give birth, this procedure is available throughout the United States.
However, you may come across another type of surrogacy: altruistic surrogacy. During this time, the intended parents look for a free surrogate mother someone who is prepared to carry a kid for no fee. In this type of surrogacy arrangement, a woman’s medical and pregnancy bills will still be covered.
It is entirely lawful for a gestational carrier to carry a child for no other reason than to help others. In fact, in some states that prohibit paid surrogacy contracts, it is mandatory.
Are There Any “Pro Bono Surrogate Mothers?
While a surrogate mother can undoubtedly do it for no charge, altruistic surrogacy is significantly less prevalent than compensated surrogacy. When it comes to becoming a gestational carrier, many women understandably want to be compensated. After all, they’re giving up their time, energy, and bodies to help someone else, and they often don’t feel comfortable doing so until they’re given something in return.
However, some women are still ready to participate in altruistic surrogacy. Frequently, these are ladies who are aware of the intended parents for whom they wish to carry a child. Perhaps the gestational carrier is a sister or friend of the intended mother, and she is willing to make this sacrifice for the sake of her family. A woman, on the other hand, may wish to become a traditional surrogate (a woman who is related to the kid she bears) a path that, in many places, is illegal if she receives base income. Conventional surrogacy, on the other hand, can be a difficult legal and emotional process that is uncommon today and you should seriously examine the hazards before proceeding down this path, even if you can locate a traditional surrogate for free.
If you’re looking for a free surrogate mother, you could start by looking for a suitable friend or family member who is willing to carry your child. Otherwise, finding an altruistic surrogate is frequently a one-on-one process. Many agencies (like American Surrogacy) work with gestational carriers who want to be compensated for their services. To find a free surrogate mother, you may need to conduct your own research and discover a surrogacy circumstance.
Things to Consider About an Altruistic Surrogacy
Working with a free surrogate mother may appear to be the ideal approach for you as an intended parent. It helps you to save money on your surrogacy charges, which will be substantial. However, before you decide to pursue altruistic surrogacy, you should consider this option from the perspective of the woman who will carry your child.
For a gestational carrier, surrogacy is a lot of work. She will not only give up a year or more of her time and efforts to help you, but she will also be exposed to various hazards during the surrogacy process. A regular pregnancy is dangerous for a pregnant woman, and a gestational pregnancy is no different, especially when you include the additional medical procedures and medications needed to impregnate a gestational carrier.
If a lady is not compensated as a gesture of her intended parents’ gratitude, she may feel exploited, which can have a significant impact on your relationship with her. In an altruistic surrogacy, you may feel similarly beholden to your gestational carrier. Even between friends and family members, these kinds of feelings can easily produce friction in a relationship.
So, before you start hunting for “free” surrogate mothers, call our surrogacy experts at 1-800-875-2229 for some advice (BABY). Our experts can go over the benefits and drawbacks of this route with you, as well as the obligations you’ll have to shoulder if you go with a free surrogate mother rather than a paid one. We can also discuss the advantages of using our service to find a compensated gestational carrier and assist you in getting started whenever you’re ready.
Can a friend be a surrogate for free?
Congratulations on your decision to use surrogacy; you’re one step closer to having the kid you’ve always wanted. You may be worried about the tasks ahead of you as you begin your surrogacy adventure, particularly locating the ideal surrogate.
If you’re like many other intended parents, you may be wondering if you may use a friend as a surrogate and have her carry your child.
Yes, it is true! During this journey, many intended parents opt to collaborate with generous, altruistic people. Rather than searching for and working with a stranger, they decide to begin their surrogacy journey with someone with whom they already have a bond. If you’re thinking about taking this route, keep in mind that it’s a viable option for your family.
How to Do Surrogacy with a Friend as the Surrogate
You’re one step closer to realizing your parental aspirations if you’ve found a pal willing to function as your gestational carrier. Before your friend may carry your child, however, there are a few vital things to take care of.
Surrogacy is a difficult process to navigate both practically and emotionally. Even though you’ll be traveling with a close friend, you’ll need to follow the same procedures as any other intended parents or surrogates. This is done to ensure that your rights, interests, and safety are safeguarded at all times.
Step 1: Make sure she meets surrogate requirements.
Any woman can become a gestational carrier, but not all of them can. Surrogates not only carry the hopes and goals of their intended parents, but they also bear all of the physiological and emotional risks associated with pregnancy and childbirth. As a result, before she may take on these obligations and dangers, she must first achieve the following criteria:
- Have no untreated addictions, sexual or physical abuse as a child, depression, eating problem, or traumatic pregnancy, labor, or delivery?
“Why does a surrogate have to meet all of these requirements?” many intended parents wonder. These requirements benefit you as a parent-to-be, not only as the gestational carrier. Your first embryo transfer will be more likely to be successful if your surrogate has demonstrated her capacity to carry a pregnancy to term, and you will spend less time and money bringing a baby to your family.
If your buddy does not meet these surrogacy requirements, know that our agency has a large pool of pre-approved surrogates to choose from. Your acquaintance is always welcome to contact our agency for additional information on surrogacy criteria and any possible exceptions.
Step 2:Choose a surrogacy professional.
Even if you and your gestational carrier are acquainted, you will need the help of surrogacy professionals to finish your trip safely. A fertility clinic, a surrogacy attorney (each of you will need one), and maybe a surrogacy agency will be included. All of these experts will play an important part in preparing you for and helping you through the road ahead.
American Surrogacy can help you with every step of your surrogacy with a friend, and our case managers and support staff will be there for you anytime you need it. That way, you may concentrate on your surrogate’s bond and bringing a healthy child into the world.
Step 3: Undergo screening and assessment.
Before being licensed for the surrogacy process, both you and your gestational carrier must undergo screening and assessment. This examination will guarantee that you are medically, physically, and emotionally prepared for the difficulties and rewards that await you. These screenings will be organized and coordinated by American Surrogacy in collaboration with the necessary professionals. This is a must for all fertility and surrogacy clinics before you may proceed.
Step 4: Create a surrogacy contract.
Even if you and your surrogate have a deep relationship, you must still sign a legal contract before proceeding with your surrogacy process. Although you may already agree on many of your surrogacy aims and preferences, only a surrogacy attorney will be able to point out every single aspect and risk of your journey moving ahead. This legal contract is required not only to detail your surrogacy process, but also to handle potential risks and liabilities, as well as other sensitive issues.
Unless a legal contract is already in place, most fertility clinics will not finish a surrogacy medical protocol.
Step 5: Start the medical process of surrogacy.
You and your gestational carrier can begin the medical process to bring your child into the world if you’ve completed all of the preceding phases. If you’ve already been to a fertility clinic for infertility treatment, you may be able to complete the embryo transfer process there as well. Your surrogate will travel to your clinic, and you will be responsible for covering her travel costs.
This is the point at which you will officially be utilizing a friend as a surrogate because she will become pregnant! Remember that a surrogacy specialist will walk you through the process and ensure that your surrogacy with a friend goes smoothly.
Things to Consider About Using a Friend as a Surrogate
Knowing how to conduct surrogacy with a friend as the surrogate is simply the beginning of determining whether or not this is the appropriate choice for you. Before enlisting the help of a close friend in your family-building efforts, there are a few things to consider.
Your Relationship Will Change.
Whether you are close friends or just acquaintances, the relationship you create with them during your surrogacy journey will be unlike anything you have ever experienced. You will have extraordinarily intimate moments with each other, and this gift your surrogate has given you will permanently bind you. Prepare for a lifelong relationship and consider how you’ll handle it when your child grows older. How involved will your gestational carrier be in the life of your child?
She May Not Be Comfortable with an Altruistic Surrogacy.
Surrogacy is costly, and identified surrogacy can save you money by avoiding some of the expenditures of locating a surrogate from start. Because of the lower costs of an altruistic surrogacy, intended parents frequently consider surrogacy with a friend but not all surrogates are happy with this approach. Before your buddy accepts to become your surrogate without receiving any money, she should fully grasp the benefits and drawbacks. While it may be the most cost-effective solution for you, she may not be fully comfortable with it. If a gestational carrier so desires, she has the right to base pay.
If necessary, an American Surrogacy surrogacy specialist can mediate the conversation.
You Will Still Need to Work with Professionals.
Just because you’re doing a surrogacy with a friend doesn’t imply you’ll be able to do it alone. Surrogacy is tricky, and you might quickly run into legal, medical, and emotional issues if you don’t have the help of a specialist. Every step of the procedure, a surrogacy specialist is required to protect your rights, interests, and safety.
Do not put your family-building aspirations on hold; call a surrogacy agency like American Surrogacy immediately to start your surrogacy with a friend.
Is being a surrogate worth the money?
There are numerous advantages to becoming a surrogate mother. Surrogacy has a lot of advantages for women, including:
Financial Advantages – As a surrogate, you will not be responsible for any medical or legal costs. Throughout the pregnancy, you will be paid a base salary as well as a monthly stipend to help with a range of expenses. Many women use this money to help them achieve their personal goals or to support their family. A woman might become a surrogate mother to help pay for college or a down payment on a new home, for example.
Experience That Will Change Your Life One of the most rewarding acts of kindness is assisting a person, an infertile couple, or members of the LGBT community in becoming parents. This is something that only a few women are capable of accomplishing in their lives, and you will most certainly experience tremendous pride as a result.
American Surrogacy can help you identify intended parents who also want you to be a part of their lives if you want to share a relationship with the family you help build, whether it’s through image updates or phone calls.
How much does surrogacy cost if you use a friend?
Gestatonal Parenting is a method of becoming a parent. Surrogacy is not a simple procedure. It’s a naturally difficult undertaking that involves a lot of medical, legal, financial, and emotional considerations. The main issue for intended parents is how much does surrogacy cost using a family member or a friend once they are emotionally ready to begin the surrogacy journey.
Surrogacy is a costly procedure, and actual surrogacy prices vary from case to case and area to region. While it is a pricey procedure, it is possible to cut costs by planning ahead of time.
If you have a friend or family member who is willing to be your surrogate, for example, you can avoid paying surrogate money. Surrogate compensation expenditures in the United States range from $30,000 to $50,000, accounting for roughly 30% of overall surrogacy costs.
Similarly, if you have once gone through the surrogacy process, you may be eager to try independent or private surrogacy for the second time. A surrogacy agency could cost up to $35,000 or more, thus this would save money. As a result, if you use your own surrogate mother, your private surrogacy fees will be reduced.
For these reasons, the surrogacy process is a little easier (financially and emotionally) for parents who have a known surrogate mother because there is no surrogacy compensation fee and emotional bonding with the gestational carrier. However, there are a number of things to be aware of and follow before proceeding with a surrogate.
Is IVF covered by insurance?
Most health plans consider maternity and newborn care to be essential benefits, while infertility treatment is frequently not. Some insurance policies cover in vitro fertilization (IVF), but not the injections that women may also need. Other plans provide coverage for both. Some plans only cover a limited number of treatments. Furthermore, some insurance plans do not cover IVF at all.
What companies cover surrogacy?
Having a child is costly, and the costs only rise when intended parents hire a gestational surrogate. A prospective parent who wants to have a child (the intended parent) utilizes a surrogate who is implanted with a fertilized egg (embryo) and gives birth to a kid who is not biologically linked to the surrogate in gestational surrogacy. In most cases, intended parents use gestational surrogacy to overcome infertility, if they are a same-sex couple, or if the intended parent is unable to carry the baby to term. All of the financial and payment specifics are settled when the intended parents choose the location for engaging into a gestational surrogacy arrangement.
Fertility comes at a high expense: a single artificial insemination (IUI) operation can cost around $500, but this procedure sometimes takes multiple attempts, resulting in costs of $5,000 or more. An egg donation starts at roughly $20,000 and goes up from there. Finally, gestational surrogacy fees can range from $50,000 to $150,000, depending on the agency charge, legal fees, surrogacy payment, and infertility and pregnancy medical expenditures. More organizations are now providing surrogacy benefits to their employees to aid with the costs of infertility and assisted reproductive technologies (ART) including IVF, egg and sperm donation, embryo donation, and gestational surrogacy agreements. I’ve seen the benefits for organizations when they incorporate fertility benefits and encourage intended parents to discover appropriate surrogates by dealing with an experienced agency, based on my professional and personal experience working with surrogates and surrogacy services.
The Law and Insurance-Provider Coverage for Infertility and Surrogacy Costs
The Affordable Care Act (ACA) stipulates that everyone must have health insurance “Insurance companies must cover “essential health benefits.” Insurance companies are unable to exclude coverage for “Unfortunately, many people do not regard fertility care to be an important health benefit. Maternity is regarded an essential health benefit in the event of surrogacy. A gestational surrogate’s maternity should be covered by any ACA plan that complies with the laws. This isn’t a guarantee, as the insurance company could argue that being a paid carrier is a for-profit business, or that the intended parents are the principal insurers. It is important to highlight that because infertility is not considered an essential health benefit, the ACA does not guarantee that an insurance company will cover it. There are currently no ACA medical plans that are particularly designed to cover all costs associated with gestational surrogacy.
Big Companies Are Racing to Offer Fertility and Surrogacy Benefits
According to the International Foundation of Employee Benefit Plans (IFEBP), in 2016, 24 percent of U.S. employers provided fertility benefits, which increased to 31 percent in 2018. Employer-provided coverage for gestational surrogacy and other forms of assisted reproduction technology can save intended parents, surrogates, and donors tens of thousands of dollars per IVF cycle! The following are some examples of companies that now provide fertility benefits:
- Starbucks: All employees, including part-time baristas, are eligible for a $20,000 IVF benefit.
- Intel: Pays up to $40,000 for fertility treatments for employees, with an additional $20,000 for pharmaceutical coverage. The benefit is available to Intel employees “regardless of infertility diagnosis.”
Be Proactive While Navigating These Benefits and Surrogacy Costs: Use a Surrogacy Agency
An ACA-compliant insurance plan for a gestational surrogate typically costs $400 to $600 per month and includes deductibles, co-pays, and coinsurance that must be paid until the out-of-pocket maximum is reached. Out-of-network prices are typically much higher, and they are only available if the plan is not an HMO.
Before a prospective parent gets too far into the financial details, it’s crucial to understand that insurance and corporate benefit plans are complicated and have a lot of moving pieces. Using the services of a surrogacy agency, which can provide financial recommendations for managing surrogacy costs, is a fantastic way to guarantee that intended parents are heading in the right route for their scenario. An insurance professional from the correct surrogacy firm will thoroughly examine the intended parents’ choices with their insurance and employer-providers, respectively. Surrogacy firms not only handle company insurance plans and benefits programs, but they also have a team of experts dedicated to assisting intended parents and gestational surrogates in bringing a healthy baby into the world. Surrogacy agencies offer a diverse range of services. Some engage with recognized reproductive attorneys who provide legal services and represent the parties in a gestational surrogacy agreement, while others work with intended parent coordinators who work to smoothly match the parties. Surrogacy agencies exist to assist their clients in managing financial, as well as ethical and legal aspects, as they embark on the journey of third-party reproduction. Surrogacy agencies ensure that both couples can concentrate on delivering a healthy and happy kid.