What are the essential insurance questions surrogates should ask before starting their journey?
Before beginning a surrogacy journey, carriers should determine if they’ll need new policies. This includes asking whether their existing insurance is sufficient or if new coverage will be required. Key areas to consider are medical insurance, life insurance, and disability coverage. It’s important to understand what types of insurance will be needed, even if the gestational carrier isn’t responsible for obtaining them directly.
What makes an insurance policy “surrogacy friendly”?
A surrogacy-friendly policy covers maternity expenses while acting as a gestational carrier. Some insurance companies implement “carve-outs,” meaning they may cover regular maternity care but exclude coverage for surrogate pregnancies. To verify coverage, carriers should obtain an Evidence of Coverage document – a comprehensive contract detailing all benefits and exclusions. Insurance companies should be contacted directly to confirm surrogacy coverage.
How do surrogates manage multiple insurance policies?
When managing multiple policies, it’s crucial to understand which is primary and which is secondary. Primary insurance must process claims first, followed by secondary coverage for remaining expenses. Even if a primary policy doesn’t cover surrogacy, claims must still be processed through it before submitting to secondary insurance. Professional claims management services can help coordinate these benefits effectively.
What happens when insurance complications arise?
If complications occur, immediate communication with insurance professionals is essential. Solutions may include coordinating with medical offices, insurance companies, and obtaining necessary HIPAA authorizations. For policies placed through agencies, support services are typically included. When OB offices report coverage issues, professionals can help resolve misunderstandings through coordinated communication.
How does insurance coverage work when relocating during surrogacy?
Relocating during surrogacy is possible but requires careful planning. Under ACA guidelines, moving between counties may allow policy changes. State-to-state moves require new policies, typically taking about 15 days to establish. There’s a 60-day window on both ends to prevent coverage gaps. Insurance professionals can help verify network providers and identify appropriate facilities in new locations.
What should surrogates know about disability coverage?
Short-term disability policies typically cover 56% of gross lost wages (approximately 80% of net wages) during medically necessary bed rest. These policies include coverage for childcare and housekeeping expenses. Unlike standard disability policies with 30-day waiting periods, surrogacy-specific policies often begin after just seven days.
