Surrogate Insurance – Creative Family Connections


When your surrogate is pregnant, she will need her own insurance to cover the pregnancy and delivery. It is part of our due diligence during the pre-screening process to connect you with an insurance agency who specializes in the field of assisted reproductive technology insurance. We at CFC are not insurance experts and cannot tell you what to do in regard to selecting a policy for your surrogate, but we will help coordinate your communication with insurance experts who are better suited to provide you with guidance and assistance. They are not our subcontractors, and they will work directly for you. ​

If your surrogate has insurance of her own, we will send her policy to the insurance experts for a review. They will advise as to whether her own existing policy is likely to be usable for a surrogacy, and will likely recommend a backup policy. In such a case, the GC will receive the full base rate for her state of residency, and will continue to pay her own premiums.

If her insurance is not usable, or should she not have insurance at all, the insurance experts will recommend that you purchase a private insurance policy to cover the pregnancy. In this case, you will pay the premiums, but your GC’s base fee will be reduced by $5,000 to help offset the expense.


The cost to cover your GC’s pregnancy and delivery expenses will vary from case to case, based on the terms of her particular insurance policy. That said, we are able to provide some examples of typical cases that we might encounter in theory:

“Sue” has private insurance policies through her employer that covers pregnancy, and the insurance experts deem her policy likely to be usable for surrogacy. As with most self-funded policies, the insurance experts advise that a backup insurance policy be purchased by her IPs. The cost for a backup policy is approximately $3,000.

For this example, let’s assume the following:

  • Sue’s policy has a deductible of $5,000.
  • Co-pays and miscellaneous non-covered expenses will total ~$1,000 over the course of the journey.

In this particular case, Sue’s usable insurance would end up costing her IPs around $9,000. If her deductible was substantially higher or lower, the total would adjust accordingly. i.e., if her policy had a $2,500 deductible, her usable insurance would end up costing her IPs around $6,500. If she had a $10,000 deductible, her insurance would end up costing her IPs around $14,000.

Sue would receive the full base amount for her state of residency, because her existing insurance is usable.

In the unlikely event that Sue’s insurance is denied during the surrogacy and the backup policy has to be activated, the cost for the backup policy would then be around $25,000 to cover the pregnancy. We have never had a Client who has needed to activate a backup policy, but insurance is always changing, and there are never any guarantees.

“Sue” has private insurance that the experts determine is not usable for surrogacy. Her IPs must then decide on an outside policy to purchase for Sue.

For all of the options listed below, Sue’s base rate would be reduced by $5,000 because she does not have usable insurance.

Options include:

A United Family (UFI) policy is another option for GC pregnancy coverage. The enrollment fee is $3,000. The premiums total $10,350. There is a $15,000 deductible, bringing the total cost to $28,350 for the standard plan. (GCs meeting certain criteria may qualify for the premium plan, which is about $3,000 less.)

  • No network – open to all providers
  • Up to six medically necessary ultrasounds per child
  • Maximum allowance of $500,000 per GC, per pregnancy
  • Does not include coverage for major medical

The option may still exist for GCs to enroll in an ACA-compliant policy through the Marketplace during the open enrollment period in the fall. This strategy, however, is subject to ongoing shifts in the US insurance Marketplace following the change in Administrations.

ACA policies range in cost, but, on average, a typical ACA policy might have premiums of $700 per month, and a $5,000 deductible. For 15 months, premiums would total $7,500, plus the cost of a backup policy ($3000) plus the deductible of $5,000. In such a case, the ACA policy would end up costing around $15,500 for a typical journey.

Uncertainty in the Marketplace guarantees that a backup policy will be indicated if this option is selected, as no one can guarantee how the US insurance market will change and shift in the coming months. ​

CFC does not employ insurance experts, and our team does represent themselves as such. We will put you in touch with insurance experts who can walk you through the options available for your particular case. Only you can decide which option is right for your case.

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