Surrogacy Insurance:
Navigating the complexities of surrogacy insurance is crucial for both intended parents and surrogates. Understanding key insurance terms and considerations ensures a smoother surrogacy journey.
Professional
Conceptual Options uses professional insurance brokers to guide you through the process of finding surrogacy insurance for your gestational surrogate.
Trusted
Conceptual Options only allows our cases to use trusted and vetted surrogacy insurance. While it is in limited quantity surrogacy insurance is vital to keep the costs of your journey down.
Our Commitment
Conceptual Options Case Managers are uniquely qualified to guide you through your surrogacy journey and ensure that you are receiving the best care available.
When Should Intended Parents Consider Health Insurance?
It’s advisable to address health insurance considerations at the outset of the surrogacy process, ideally during the matching phase with a surrogate. Early planning helps in selecting appropriate coverage and understanding potential costs.
Premiums:
Regular payments made to the insurance provider to maintain coverage.
Out-of-Pocket Costs:
Expenses that the insured must pay, which vary by plan and are typically capped annually.
Co-Payments:
Fixed amounts paid for covered services after meeting the deductible.
Deductibles:
The amount paid out-of-pocket before the insurer covers additional medical costs.
Medical Liens:
Claims by healthcare providers or insurers on a patient’s personal injury recoveries, which can apply in surrogacy situations.
How to
Protect Yourself in the Surrogacy Insurance Landscape
The surrogacy insurance landscape can be challenging, with some providers failing to deliver promised coverage. For instance, Omega, a company that filed for bankruptcy, left many surrogates and intended parents with unpaid medical bills. To safeguard against such risks, it’s essential to work with reputable agencies and thoroughly vet insurance providers.
Understanding surrogacy insurance is vital for a successful journey. Familiarizing yourself with key terms and engaging with experienced professionals can help navigate this complex aspect of surrogacy.
What our Surrogates say
I am starting the surrogacy process with C.O and so far it has been nothing but amazing customer service! I've been in touch with Renae for my intake process and she has been nothing but awesome and so supportive. There was a hiccup in starting the process sooner but she always checked in on me before I officially came in for intake. Definitely a company I would recommend, everyone in the office is so sweet and welcoming! Can't wait to start this journey with them.
I am so pleased with Conceptual Options as a surrogate and very happy with my intake coordinator. She is simply the best and helps make the process go smoothly and Renae always answers my questions very promptly and she is extremely helpful, thank you once again.
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