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Intended parents and surrogates often have questions about the types of insurance coverages used during the surrogacy process. Growing Generations (GG) is here to help intended parents understand how they can limit financial exposure and to help surrogates understand how insurance is used to provide them with safety and security. GG will be with you to provide guidance and connect you with top insurance providers as needed.

Here are the different types of insurance that will be discussed.


What is it?

This insurance is designed to cover routine pregnancy and delivery care as well as any complications that may arise.

How Does it Work?

Pregnancy and delivery are covered in the following ways:

  • A surrogate’s existing health insurance policy

  • The Affordable Care Act (ACA)

  • A specialty surrogate maternity product underwritten by Lloyd’s of London.

During a surrogate’s admissions process, GG will review her personal insurance to determine whether it is acceptable to use. If it is not, we may ask the surrogate to apply for an ACA insurance policy. ACA insurance policies are only available during an “open enrollment” period that most commonly occurs in December of each year. If we cannot use a surrogate’s existing insurance or an ACA policy, Lloyd’s of London’s specialty surrogate insurance will be used.

Once we’ve determined the method of coverage, we will create an insurance coverage plan outlining the type of insurance which will be used for maternity care along with cost information for intended parents.

Why it’s Important?

Medical care in the United States is known for being top notch but very costly. Health insurance is designed to offer financial security no matter the level of care a surrogate may need during pregnancy and delivery.


What is it?

This insurance is designed to cover medical care for baby once born.

How Does it Work?

For intended parents living withing the United States, they will simply add their child as a legal dependent to their own insurance policy within 30 days of birth. For intended parents living outside of the United States, policies are offered through Allianz and Lloyd’ s of London.

Why it’s Important?

Again, medical care in the United States is known for top notch but very costly. Health insurance for the newborn is designed to offer financial security in the event the baby needs care beyond what is considered “well baby care.”  Babies that are born prematurely or born with other health conditions will often result in medical bills in the hundreds of thousands to millions of dollars and health insurance  helps to mitigate this financial risk for the intended parents.

Cycle Insurance

What is it?

Cycle insurance is designed to cover complications arising from IVF protocols and procedures.

How does it Work?

Your case specialist will request cycle insurance as soon as an IVF calendar is received.

Why it’s Important?

While complications are rare, we want to ensure that should a complication arise, there is no delay in obtaining medical care, and there are no surprise costs for intended parents.


What is it?

This policy pays a benefit to the surrogate or the surrogate’s named beneficiary should she lose a reproductive organ, experience complete disability, or lose her life because of pregnancy or childbirth.

How Does it Work?

Upon confirmation of pregnancy, your case specialist will request that the policy be placed.

Why it’s Important?

As unpleasant as it is to think of an extreme outcome, like most things in life, pregnancy is not without risk. The health and safety of our surrogates is a top priority, and as a result, surrogates are specifically screened to make sure they are ideal candidates for pregnancy. Despite best efforts, no one can completely remove risk, so we require that all surrogates be provided this policy.

We know insurance can be complex but remember that we are here to help guide you along the way.  Our insurance specialist will work with and connect you with respected insurance professionals as needed.

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