| I touched on Health Insurance when talking about the | | | | that their policies have changed from one pregnancy |
| base fee. Health Insurance is so important when | | | | to the next. Some women who have tried to check |
| carrying a baby. There are so many issues that could | | | | with their policy holder have been totally honest and |
| go wrong and drive up the potential cost of a | | | | up front and found that even if its not listed as an |
| surrogacy arrangement. Some Intended Parents think | | | | exclusion that they were not covered because the |
| that they will 'self pay' on the labor and delivery at | | | | person they talked to on the phone took "notes" and |
| the hospital and at the OB but with all of the risk | | | | right in their files the word "surrogacy" is typed in |
| factors they are taking a huge financial risk! | | | | black and white. Even when woman who want to go |
| And any woman agreeing to be a surrogate needs to | | | | with the don't ask don't tell frame of mind are risking |
| know that she can easily be left holding the bag with | | | | financial ruin. If you want your IP's to be involved |
| thousands of dollars of medical bills for a pregnancy | | | | with the OB appointments then its going to be pretty |
| that isn't problem free. After all...it's all in her name...the | | | | hard to explain to the OB and the hospital staff why |
| hospital, the doctor, everything! She is relying on the | | | | this other couple are so involved and interested in |
| "medical reimbursement' clause in her contract to hold | | | | YOUR pregnancy. |
| water....and that it may...but when the money is paid? | | | | Please note that Health Insurance is not meant to |
| Time will only tell. Would it happen before her credit is | | | | cover IVF, medications involved with IVF or any |
| totally ruined? | | | | infertility testing in a surrogacy situation. These costs |
| How to find health insurance? This is the question | | | | are out of pocket expenses that the Intended |
| that may people are asking now that Insurance | | | | Parents have to be responsible for and NOT their |
| Companies are adding surrogacy exclusions to their | | | | surrogate or her Health Insurance. |
| policies. Even 2nd and 3rd time surrogates are finding | | | | |