Does Insurance Cover Pregnancy of a Surrogate?

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Insurance coverage for pregnancy of a surrogate mother will depend on the insurance provider and the plan stipulations. Look deep into insurance plan coverage to find information on surrogacy with information from an insurance representative in this free video on health insurance.

Part of the Video Series: Health Insurance Facts
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Video Transcript

This is John Pinelli, Financial Representative, answering the question, Does health insurance cover the pregnancy of a surrogate? The answer to the question is maybe. Some insurance providers do provide coverage for this, while others don't. A surrogate pregnancy would occur typically, if a woman is not able to carry a child through a term, so her husband, or even a sperm donor, would inseminate another female, so that she could have the child for that person, with the intention of course, of giving it back to the mother who was unable to carry the child through term. When looking at this type of coverage, to determine whether your current health plan covers surrogate maternity, it's important to really investigate, dig deep, and look into your plan. This isn't something that is very typical or common, within most medical plans, but there are providers out there that do cover this. Since 1999, Kaiser has not provided coverage for surrogates, whereas carriers like Blue Cross and Blue Shield have, so it's important when considering the surrogate option for pregnancy, to consider which health care provider you have, look into your plan, see if they have coverage for this, and if not, it might be a good consideration, to look into a plan that does have coverage for this, because that can be quite expensive, just as any maternity coverage can, so this has been John Pinelli, Financial Representative, talking to you today, about surrogate coverage.

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