who's insurance covers the surrogate?

Re: who's insurance covers the surrogate?

• Aegis2005 member

  August 2011

  I don't know about your insurance, but mine specifically states that it will only cover embryo tranfer if it's being transferred back to me.  It is clearly stated in my policy that gestational carriers are not covered for any medical procedures.

  If in doubt, I'd contact my insurance company - mine was very thorough when I called and asked them specific questions.

  Me: 35 DH: 37 TTC since 4/2010
  DX: 6/9/2011: Azoo ICSI/IVF only option for biological child
  IVF #1: ER - 9/26 * ET - 10/1 * beta#1 10/13 - 140 * beta#2 10/17 - 477 * beta#3 10/20 - 1101
  1st u/s at 6w6d - one hb * 2nd u/s at 8w3d - no hb detected 11/10/11 * natural m/c 11/13/11
  FET #1 Jan/Feb 2012 - 3 delays - cancelled 2/13
  FET #1.2 - May/June 2012 - ET 6/6/* beta#1 6/15 - 95 * beta #2 6/19 - 322 * beta #3 6/22 - 940
  7/6 1st u/s @ 7 weeks - one beautiful hb - released from RE
  EDD 2/22/2013
  PAIF/SAIF/PGAL welcome
  
  

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• jessican08 member

  August 2011

  Aegis2005:

  I don't know about your insurance, but mine specifically states that it will only cover embryo tranfer if it's being transferred back to me.  It is clearly stated in my policy that gestational carriers are not covered for any medical procedures.

  If in doubt, I'd contact my insurance company - mine was very thorough when I called and asked them specific questions.

  This. I'd be surprised if an insurance company covered anything for a surrogate unless she were somehow able to be added to your policy but I was always under the impression you could only add dependents and spouses/domestic partners to your insurance...

  TTC 12/2009
  Me: 32 - Stage II Endo / DH: 36 - Low count and morphology (1%)
  IUIs 1-3 BFN, lap Dec. 2010, IUIs 4-6 BFN
  IVF w/ICSI #1 - ER 2/8: 24R 19M 9F ET 2/13 2-5 day blasts (no frosties) = BFP - b/g twins!
  E & C Born 10/19/2012
  

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• MBfromBMC

  August 2011

  jessicandavies:

  Aegis2005:

  I don't know about your insurance, but mine specifically states that it will only cover embryo tranfer if it's being transferred back to me.  It is clearly stated in my policy that gestational carriers are not covered for any medical procedures.

  If in doubt, I'd contact my insurance company - mine was very thorough when I called and asked them specific questions.

  This. I'd be surprised if an insurance company covered anything for a surrogate unless she were somehow able to be added to your policy but I was always under the impression you could only add dependents and spouses/domestic partners to your insurance...

    I only know one person IRL who went the surrogate route and they paid for all of the GC's expenses OOP.

  
  
  TTC since March 2009 // Me and DH - 28
  Testing Summer/Fall 2010 - Unexplained IF
  IUIs #1-4 ~ Clomid/Ovidrel/TI/IUI ~ all BFNs
  IUI #5 ~ Femara/Ovidrel/TI/IUI ~ BFN
  IUIs #6-9 ~ Research Study Meds/Pregnyl/TI/IUI ~ all BFNs
  IVF Consultation, More Testing
  Diagnostic Cycle ~ Mucinex/Progesterone/TI ~ BFN
  IVF #1 ~ Menopur/Bravelle/Ganirelix/Novarel/Progesterone/Lupron
  7R, 6F // 2 transferred // 3 frosties ~ BFN
  FET #1 ~ Estrace/PIO/Lupron
  3 thawed // 2 transferred // 1 lost // no more frosties ~ BFP!!
  Beta #1 - 456 // Beta #2 - 1176 // Beta #3 - 2933 // Beta #4 - 6753
  EDD: May 16, 2013

  Threatened MC at 6w2d
  Bedrest for SCH // 6w2d through 10w1d
  Elevated TSH and Lazy Thyroid DX @ 10w - Started Synthroid
  Finally released from RE at 13w

  Charles Everett ~ Born 5/20/2013
  
  
  

  
  

  
  ~~ My IF Blog ~~ 
  
  

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• BeeBee08 member

  August 2011

  I don't have any advice, but wanted to let you know I'm hoping everything works out for you!

   
  me 33/DH 36
  ttc since 10/2008; d/x: mild MFI, stageII endo
  ~~PAIF/SAIF Welcome~~
  11 IUI’s = 1 m/c (7w4d)
  IVF#1 January 2012 BFN, FET #1 April 2012 BFN
  Surprise BFP October 2012 m/c (7w), Surprise BFP April 2013 m/c (6w4d)
  IVF #2: July 2013, ET 1 embryo 7/18, beta 1 @ 14dp3dt - 757, beta 2 @ 16dp3dt - 1762
  U/S 1 @ 6w4d = 1 little frogger with HB of 118, U/S 2 @ 7w3d measuring right on track with HB of 160
  Stick Frogger Stick! Please!!!!!!!!!!!!!   It's a Girl, EDD April 7, 2014

  

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• naybird

  August 2011

  I would think if the GC has insurance, that should cover the baby and her prenatal care. I don't think insurance companies ask all pregnant ladies if the baby is theirs.
  
  I know on the surrogate agencies websites when looking at the surrogate mother's profiles it lists if they have insurance and with what company.
  
  You could maybe try contacting a surrogate agency in your area and just asking.
  
  good luck!!

  Renee- 37 DH - Chad - 39
  2/06 - surprise pregnancy - twins
  3/06 - m/c 1st baby at 6 weeks 
  5/06 -2nd baby had no heartbeat at 14 wks.
  D&E - Bled out. Blood transfusions. Week in ICU - Cheated Death!
  Diagnosis: Blood clotting and bleeding disorder, immune issues, & cervical stenosis
  5/10 - 1st IVF cycle - BFN
  FET - 10/12/10 - BFN
  1/11 - IVF with PGD - BFN
  IVF - May - BFN
  6/11 New RE - fingers crossed!
  9/11 - IVF - 4 transferred
  10/13 - BFP!!
  It's a boy! Clint Michael, Due in June!!!
  
  
  
  
  
  
  
  
  

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• madhatterxo member

  August 2011

  naybird:

  I would think if the GC has insurance, that should cover the baby and her prenatal care. I don't think insurance companies ask all pregnant ladies if the baby is theirs.
  
  I know on the surrogate agencies websites when looking at the surrogate mother's profiles it lists if they have insurance and with what company.
  
  You could maybe try contacting a surrogate agency in your area and just asking.
  
  good luck!!

  I agree.  I would do some research and call local agencies.  I would also think that their insurance would pay unless they are looking for you to pay the medical bills in case they don't have insurance.
  

  Me: 27, DH: 28 TTC since 11/09
  2/10 & 3/10 Clomid 50mg-BFN
  5/10-Lap Surgery for Stage 2 Endo
  3/11-IUI#1 with Follistim and Menopur-developed mild OHSS= BFN
  6/11-IUI#2 with Follistim -developed moderate OHSS= BFN!
  7/11-FSH-11, AMH 1.6
  9/11-ttc naturally with positive thoughts
  10/6/11-POSITIVE pregnancy test!!! 15dpo BETA-220
  6/14/2012- Riley Harper arrived!! We love our little girl
  <a href="http://s532.photobucket.com/albums/ee324/exploshidad/?action=view

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• brookelynpaisley member

  August 2011

  Aegis2005:

  I don't know about your insurance, but mine specifically states that it will only cover embryo tranfer if it's being transferred back to me.  It is clearly stated in my policy that gestational carriers are not covered for any medical procedures.

  If in doubt, I'd contact my insurance company - mine was very thorough when I called and asked them specific questions.

  Mine too. Mine covers IUI and IVF, but explicitly states that surrogacy is excluded.

  
  P/SAIF Welcome
  Invisible Finish Line
  3T's Traveling Ovary Blog
  7DPO Progesterone: low. CD3 BW: normal, HSG: clear
  DX: severe MFI (low all 3) and low T. Undergoing replacement therapy.

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