Nowadays, much has been said about the forthcoming reform of health care and medical insurance. Certainly, in the coming years much will change in certain areas of health insurance, however, so far there are many issues related to certain aspects and certain areas of insurance. Typically, insurance companies fill their contracts with a huge amount of "small print" text, leaving policyholders not fully informed about what medical services, procedures and procedures are covered by their insurance, and which do not fall under the terms of the insurance contract.

For those who want to create or expand their family, most often, all expenses related to pregnancy, obstetrics and patronage of the newborn are covered by the insurance policy, at least for a certain period of time stipulated in the contract. However, it should be noted that for some couples and individuals unable to conceive a child for any reason, the help of a surrogate mother is the only way to become parents. It is these people often wondering whether their insurance policy covers this type of medical reproductive service and the manipulations involved in this process, and to what extent they can count on surrogate cost to be covered.

Medical insurance and surrogacy cost

In the modern market of insurance services there are many companies that cover expenses related to surrogate mother cost or at least some procedures and manipulations included in the surrogate program. Proceeding from this, it is very important to check each version of the insurance policy to find out for sure whether it contains an article indicating that the contract covers or does not cover surrogate mother cost. In some cases, if in the conditions of the insurance contract it is not specified specifically that the policy does not cover the surrogate cost, then on quite legal grounds it is necessary to demand from your insurer the coverage of the cost of services under the surrogate pregnancy program at a rate envisaged to reimburse the policy holder for expenses related to the traditional pregnancy and obstetrics. When determining the spectrum of cases with reimbursable expenses, it is necessary to pay attention to the type of surrogate motherhood included in the policy. There are two options for surrogate motherhood. In the first variant, it is a surrogate pregnancy in which the surrogate mother carries an embryo obtained using an ovum of the biological mother and sperm of the biological father obtained by in vitro fertilization method. This type of surrogate motherhood is called gestational. The second type, traditional, involves the artificial fertilization with the sperm of the biological father of the egg of the surrogate mother. In most cases, insurance companies do not cover the surrogacy cost associated with gestational surrogate motherhood. However, if a single person or couple decides to use the traditional type of surrogate motherhood, a number of insurance companies will reimburse them for expenses related to the procedure of artificial insemination of the surrogate mother with the sperm of the biological father using the own egg of the surrogate mother.

Some Legal Aspects

All insurance companies differ from each other. Moreover, insurance policies provided by the same insurer, as a rule, also differ from each other in certain aspects and amounts of coverage of certain expenses. Therefore, we strongly recommend that, as the alleged parents or the parent, and the future surrogate mother, carefully studied the insurance contract offered to them, or, more reliably, they received exhaustive full consultation of an experienced lawyer specializing in health insurance matters. In this case, your lawyer can consider policy options, under which all parties to the surrogate process are subject to health insurance in order to thoroughly understand which contract provides for compensation of expenses related to surrogate mother cost and whether such compensation is provided in this case in principle. The assistance of a legal representative will also be necessary if the insurance company decides in the course of the insurance policy to change the terms or amount of coverage of expenses incurred during the surrogate motherhood program, leaving one or more parties to the contract with a huge unpaid invoice in the surrogate motherhood clinic or in the maternity hospital.

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