Whose insurance covers a surrogate?
Asked by: Marisol Luettgen | Last update: February 14, 2026Score: 4.6/5 (35 votes)
The intended parents are responsible for covering surrogacy journey related medical costs to the surrogate throughout the pregnancy, birth, and postpartum process. Still, a surrogate's insurance can help lower that financial obligation, especially if there are medical complications during or after the journey.
Does Blue Cross Blue Shield cover surrogacy?
Does Blue Cross Blue Shield Cover Surrogacy? The BCBS surrogacy coverage depends on the specific plan you have, as there are a network of insurance providers through BCBS. Each of these independent companies may offer different plans with varying coverage options.
Who pays medical bills for surrogates?
In California, intended parents generally bear the financial costs of the surrogacy process. These costs can be substantial and cover a wide range of expenses.
Does Obamacare cover surrogacy?
Can ACA insurance cover surrogacy-related pregnancies? Yes. If the surrogate is the policyholder, ACA plans cover her pregnancy, labor, and delivery as standard maternity care.
Is my insurance surrogate friendly?
In most cases, your primary insurance will cover newborn medical care when you use a surrogate. It is important to note that almost no surrogate insurance policy will cover surrogate compensation or surrogacy fees.
Does Insurance Cover a Surrogate Pregnancy?
How to get insurance to cover a surrogate?
These options include purchasing an individual policy during the Open Enrollment period (OEP) or a private policy through Lloyds of London, which is designed to cover surrogacy-related medical expenses. Most intended parents should expect to pay between $10,000 and $30,000 for health insurance and costs.
How much does surrogacy cost after insurance?
The average cost of surrogacy in the U.S. in 2025 (including professional fees, carrier fees and expenses, and insurance costs) ranges from $100,000 to $140,000. Depending on your situation, that number can balloon all the way up to $250,000 or more.
What if I can't afford surrogacy?
Intended Parents looking for options to cover the fees for surrogacy can research grants and financial assistance programs. Several nonprofit organizations offer scholarships to help finance infertility treatment, including surrogacy. Applying for grants will take some work, however.
Is there free surrogacy?
While it is certainly possible for a surrogate mother to do it for free, altruistic surrogacy is far less common than compensated surrogacy. Understandably, many women desire compensation when becoming a gestational carrier.
What's the average pay for a surrogate mother?
First-time surrogate compensation in California typically ranges from $55,000 - $90,000+. Second-time surrogate compensation in California can be anywhere from $60,000 - $110,000+.
How do normal people afford surrogacy?
Intended parents usually pay for most of this cost out of pocket due to limited insurance coverage. As an intended parent, you may be able to lower the cost of surrogacy by starting an online fundraiser, applying for grants, and asking family and friends to consider becoming a surrogate.
What is cheaper, surrogacy or IVF?
The numbers are stark: IVF costs in the US average $12,000 to $15,000 per cycle, while surrogacy often exceeds $100,000. These figures can make starting a family seem financially out of reach for many.
Do surrogates get paid if they miscarry?
Compensation during surrogacy is carefully structured to support the surrogates at every stage of the journey while it continues. Even if a surrogacy miscarriage occurs, the surrogate is still compensated for the time, effort, and medical procedures she has already completed.
Do any states cover surrogacy?
Are Surrogates Legal in Every State? Most states are surrogacy-friendly, with the exception of two states where compensated surrogacy is not considered legal: Nebraska and Louisiana.
How to get approved for surrogacy?
Surrogate Qualifications
- A surrogate should be between the ages of 21 and 43. ...
- Had at least one healthy pregnancy and delivery. ...
- Had full-term (37 weeks or later), complication-free prior pregnancies. ...
- Have a BMI between 18% and 35% ...
- Be financially stable. ...
- Reside in a surrogacy-friendly state.
How much did Kim Kardashian pay her surrogates?
How Much Do Celebrity Surrogates Get Paid? According to TMZ, Kardashian's surrogate will receive $45,000 in monthly installments of $4,500 during her pregnancy. This is a standard fee for an experienced surrogate, said Caballero, who regularly draws up surrogacy agreements.
Which state is best for surrogacy?
California is known as one the most surrogacy-friendly states with long-established surrogacy laws. However, it is not the only one, and surrogates and agencies based in California may be more expensive than elsewhere.
Who owns the baby in surrogacy?
Traditional surrogacy is when the carrier of the pregnancy is genetically related to the fetus. Their eggs are used to create the pregnancy, and they carry and deliver the baby. Then, as the child's biological parent, they must surrender parental rights to the intended parents (or parent).
What is the downside of surrogacy?
While there are many surrogacy pros for intended parents, there are also some disadvantages of surrogacy for hopeful parents to consider: Surrogacy can be complicated. Gestational surrogacy involves complex medical procedures, and surrogacy laws. Legal processes can be overwhelming at times.
What is the cheapest price of surrogacy?
Still, the surrogacy cost in India 2023 is much more affordable than in western developed countries. The expenses for surrogacy in India are INR 15,00,000 to INR 25,00,000.
Will my insurance pay for a surrogate?
All major medical insurance policies will cover a typical pregnancy, however, some providers exclude surrogate pregnancies explicitly in their full terms of coverage document. In rare cases, general health insurance policies may offer additional coverage you can purchase to help pay for a surrogacy journey.
How to get surrogacy paid for?
Explore Financing Options
Bank loans can help cover surrogacy costs. Intended parents often look into borrowing against their home's equity or taking out a second mortgage. If you have a 401k, a withdrawal is another option. Medical financing companies are also potential sources for paying off your IVF medical fees.
How much should you pay for a surrogate?
Average Costs for Gestational Surrogacy
* We recommend intended parents have a budget of $100,000 to do a gestational surrogacy arrangement in Canada. (If you already have frozen embryos, we recommend a budget of $60-80,000).
How long does the surrogacy process take?
How long does the surrogacy process take from beginning to end? A typical surrogacy journey for a surrogate from application to delivery is approximately 16-18 months. Every surrogacy journey is unique, so the timing of your journey may be a little longer. How long does it take for a surrogate to get pregnant?