Wednesday, 03 July 2024 15:31

Is Surrogacy Covered by Insurance for Intended Parents in the USA?

Surrogacy is a life-changing journey for many couples struggling with infertility. However, the financial aspects can be daunting. One of the key concerns is whether insurance will cover any part of the surrogacy process. This article explores whether surrogacy is covered by insurance in the USA for intended parents, discussing available coverage, necessary steps, and considerations for navigating insurance policies effectively.

Understanding Insurance Coverage for Intended Parents

Intended parents often face significant costs when engaging in surrogacy, including medical procedures, legal fees, and surrogate compensation. Understanding what, if any, insurance coverage is available is crucial.

Health Insurance Coverage

  1. Surrogate’s Health Insurance:

While the surrogate’s existing health insurance policy may cover some medical expenses, many insurance policies specifically exclude surrogacy-related costs. Intended parents must review the surrogate’s policy carefully with an insurance specialist or attorney to understand the extent of coverage.

  1. Intended Parents’ Health Insurance:

Most health insurance plans for intended parents do not cover surrogate pregnancy-related costs. Intended parents should consult their insurance provider to confirm this and understand what their policy includes.

  1. Specialty Surrogacy Insurance Plans:

Specialty insurance plans designed for surrogacy can cover a wide range of expenses. These plans are tailored to cover medical costs related to the surrogate’s pregnancy and potential complications, providing more comprehensive protection.

Employer Reimbursement Programs

The availability and specifics of employer reimbursement programs vary widely. Some employers offer generous benefits for surrogacy, while others may have limited or no coverage. Intended parents should inquire with their HR departments to determine the specifics of their employer’s program. These programs may include:

  1. Fertility Benefits:

Some employers provide fertility benefits that include coverage for surrogacy-related expenses. This can help offset costs such as medical treatments, legal fees, and agency fees.

  1. Reimbursement Programs:

Certain companies have reimbursement programs for adoption and surrogacy expenses. These programs typically offer a fixed amount to cover a portion of the costs associated with surrogacy.

  1. Flexible Spending Accounts (FSAs):

FSAs allow employees to set aside pre-tax dollars for medical expenses. These funds can sometimes be used for surrogacy-related medical costs, depending on the specific plan.

Steps to Ensure Adequate Insurance Coverage

Reviewing and Understanding Policies

  1. Examine the Surrogate’s Policy:

Intended parents should thoroughly review the surrogate’s health insurance policy. Look for specific language related to surrogacy, exclusions, and any potential coverage for pregnancy and delivery.

  1. Consult with Insurance Experts:

Insurance policies can be complex. Consulting with an insurance expert who specializes in surrogacy can provide clarity. These experts can help identify gaps in coverage and recommend appropriate plans.

Considering Surrogacy-Specific Insurance

If the surrogate’s health insurance does not provide adequate coverage, intended parents should consider purchasing a surrogacy-specific insurance plan. These plans are designed to fill the gaps left by traditional health insurance policies and provide comprehensive coverage for surrogacy-related medical expenses.

Insurance for the Baby

In addition to reviewing the surrogate’s policy, intended parents should consider purchasing a separate policy for the baby once they are born. The surrogate’s policy typically only covers the pregnancy and delivery, not the baby’s ongoing medical needs.

Surrogacy involves various legal aspects, and it is essential to work with a legal expert to ensure all agreements are clear and comprehensive. Consulting with an attorney specializing in reproductive law is highly recommended. They can help draft surrogacy agreements that clearly outline insurance responsibilities and ensure all legal requirements are met.

Common Questions About Surrogacy Insurance for Intended Parents

Does Standard Health Insurance cover Surrogacy?

Typically, standard health insurance plans for intended parents do not cover surrogate pregnancy-related costs. It’s important to verify with your insurance provider and explore surrogacy-specific insurance options if needed.

Can Intended Parents Purchase Insurance for Surrogacy?

Yes, intended parents can purchase surrogacy-specific insurance plans. These plans are designed to cover various medical expenses related to the surrogacy process, providing a safety net for intended parents.

How Much Does Surrogacy Insurance Cost?

The cost of surrogacy insurance varies depending on the coverage and provider. Surrogacy-specific insurance plans can range from a few thousand dollars to tens of thousands, depending on the extent of coverage and the specifics of the policy.

What Should Be Included in a Surrogacy Insurance Plan?

A comprehensive surrogacy insurance plan should cover prenatal care, delivery, potential complications during pregnancy, and any additional medical expenses related to the surrogacy process. Consulting with an insurance expert can help ensure all necessary aspects are covered.

Planning for Adequate Coverage

Early Planning

Start reviewing insurance options early in the surrogacy process. Early planning allows intended parents to identify potential gaps in coverage and address them proactively.

Documentation and Communication

Keep detailed records of all insurance communications and agreements. Clear documentation ensures that all parties understand their responsibilities and helps resolve any disputes that may arise.

Regular Policy Reviews

Insurance policies can change over time. Regularly reviewing policies throughout the surrogacy journey ensures continuous coverage and helps identify any changes that need to be addressed.

Professional Guidance

Engage with legal experts and surrogacy professionals for ongoing support and guidance. Their expertise can help navigate the complexities of insurance policies and ensure all aspects are handled appropriately.


While surrogacy is a complex and expensive process, understanding and securing appropriate insurance coverage can alleviate some financial burdens for intended parents. Reviewing the surrogate’s health insurance, considering surrogacy-specific insurance plans, and consulting with experts are essential steps. Additionally, exploring employer reimbursement programs and securing insurance for the baby post-birth can provide further financial support. By taking these measures, intended parents can focus on the joy of building their family through surrogacy with greater peace of mind.

Ready to start your surrogacy journey with confidence? Contact Delivering Dreams today and let our experienced team guide you, ensuring a smooth and successful path to parenthood. Together, we’ll make your dream of parenthood a reality.

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I am very satisfied with the medical services. Coordinator Lyubov was always in touch, answered any questions quickly and clearly, and helped in any difficult situations. The level of personal support and genuine concern for my health and well-being was 100 percent. I am very pleased that I am going through the surrogacy program with this agency. I feel protected and confident. I really like the attitude of the agency, timely payments, and the curator and manager make sure that pregnant girl...
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Olga T.
I am very pleased to meet such beautiful and kind people Hello everyone, I'm Myroslava and I'm going through my SM program at the Delivering Dreams agency. I want to express a big thank you to the girls who cooperate with me, who worry about my condition, who are always in touch, and who always support me - Omelchuk Lyubov and Anna Levchenko. I've already been to a program and therefore I have something to compare it with, this agency and the staff are at the highest level. And also the doct...
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Hallo Oksana,  vielen Dank für Deine ausführliche Erklärung. Wir haben alles gut verstanden. Das zeichnet due Arbeit von Euch und Eurem Ärzteteam aus. So kann man gut vertrauen. Hello Oksana, Thank you very much for your detailed explanation. We understood everything well. This is what distinguishes the work of you and your medical team. This is a good way to trust.
German couple
One of the best teams and my program! Hello! I want to share my experience and my impression of my program, one of the best programs, and the team from the Delivering Dreams Agency! Great attitude, attentive staff, responsible! Always in touch 24/7! Lyubov Omelchuk is a wonderful person, she was with me from the first minute of implantation until the end of the entire program! I am grateful that Lyubov was always with me! People of their word! Staff who never let you down! I highly recommend...
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Anna Priazhnikova
DD is outstanding We have just returned home to California with our beautiful daughter who was born in Lviv. The Delivering Dreams team made our trip so easy and straightforward. From our arrival to Ukraine to our departure, they had everything covered. The constant communication from the team is amazing. All of our paperwork for the embassy was properly prepared and organized. I cannot recommend them enough, we are even thinking about having another baby with DD!
Andrey Frenkel
Thank you very much Dear Oksana, Thank you very much for the great news. We still can't believe it and are totally speechless. The work you do under these difficult conditions cannot be put into words. Thank you very much for that. Liebe Oksana, vielen Dank für die super schöne Neuigkeit. Wir können es noch gar nicht glauben und sind total sprachlos. Was Ihr für eine Arbeit leistet, unter den schweren Bedingungen,  kann man nicht in Worte fassen. Vielen herzlichen Dank dafür.
Couple from Germany
Very friendly, pleasant team I am very grateful to the international surrogacy agency Delivering Dreams for such a short period of experience that dispelled all doubts and the remains of incomprehensible questions that were before and during this program, but I had a wonderful curator Lyuba who did not leave me for a second even on distances?❤️ This is how experienced, pleasant, kind woman you want to go to the program at least immediately after finishing the first one! Very friendly, pleasa...
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Thank you for the wonderful experience and the opportunity to help future parents. I also want to thank Lyubov Omelchuk (Delivering Dreams) for her kindness and empathy, she was always in touch throughout the program, especially since the rehabilitation course is based on the supervision and advice of the curator. My worries about the procedure were in vain because everything went perfectly, thanks to the 24/7 support of the curator and qualified doctors Дякую за чудовий досвід, та змогу...
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I recommend this agency. I was a surrogate mother in this agency, I really liked everything. The doctors treated me well and explained everything clearly. Curator Lyuba and Anya are always in touch and answer all questions, always supporting. I recommend this agency. Я була сур мама в цьому агентство, мені все дуже сподобалося лікарі гарно відносяться, розповідають все доступно. Куратор Люба і Аня завжди на зв'язку і відповідать на всі запитання, завжди підтримують. Рекомендую це агентство.
Thank you very much for worrying about me.  I really want to start the program at Delivery Dreams agency. The doctors here are extraordinary. Coordinator Lyubov is also extraordinary, always in touch and worries about me. After the hysteroscopy, Lyubochka is on the phone with me 24/7. Thank you very much for worrying about me. I hope that my program will start soon and I will present the baby to the biological parents. Thank you for being there!?? Я дуже хочу почати програму в агенстві De...
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Under Ukrainian law, surrogacy is a legal affordable option for traditionally married couples to have children using their own embryos, or with either an egg or sperm donor. There must be a medical reason you can’t carry a child. You are also able to participate if you have had 4 unsuccessful IVF attempts.


Under Ukrainian law, surrogacy is a legal affordable option for traditionally married couples to have children using their own embryos, or with either an egg or sperm donor. There must be a medical reason you can’t carry a child. You are also able to participate if you have had 4 unsuccessful IVF attempts.