Health Insurance Coverage for Surrogacy

Health insurance coverage for surrogacy can vary widely based on the policy and state laws. Generally, many insurance plans do not cover surrogate pregnancies, as they often classify them as elective rather than medical. However, some plans may cover specific services, like prenatal care, if the surrogate is medically necessary. Intended parents should review their policies carefully and consult with insurance representatives to understand what is covered. Additionally, surrogacy agreements should detail financial responsibilities for medical expenses, ensuring all parties are clear on coverage and out-of-pocket costs involved in the process.