Don’t we all wish this were true! But over the past decade or so most insurance companies have revised their policies to exclude surrogacy arrangements. Some policies are vague and read as if there is some wiggle room but a surrogate candidate must be very careful as she reviews her policy. If bills pertaining to a surrogacy pregnancy and birth are submitted to an insurance company that decides that payment is not their responsibility, several things can happen. First, remember all surrogacy contracts state that the Intended Parents are responsible for all medical bills in relation to the surrogacy arrangement. Most, if not all, medical bills are in the name of the surrogate so as she receives these bills she is expected to arrange payment. If these bills are submitted in a timely manner then the IPs may pay them as soon as possible, perhaps money from the escrow account would be used or maybe they will arrange payments with the OBGYN or hospital. If the insurance company takes it’s time with the decision, the escrow account could be emptied and closed as well as the Intended Parents leave the state or the country (If they are International) and these bills could be left for the surrogate to be responsible for.
This has happened several times. What can be done to make sure that an insurance policy will be held up and make the payments expected? First, have a professional review the entire insurance policy. If there is any question then the Intended Parents need to invest in a backup plan or full surrogacy insurance coverage backed by a Lloyds of London policy. No one wants to be left with bills after giving an amazing gift of life and family, just as no intended parent wants to be stuck with unexpected medical debt.