Benefits of the ACA for Surrogates
Some surrogate applicants will be asked to apply for the Affordable Care Act (ACA) during their application period. More commonly referred to as “Obama-Care”, the Affordable Care Act is a great alternative for surrogates who either do not have personal insurance or who have personal insurance that does not cover surrogate pregnancies.
The Affordable Care Act is a great alternative to a specialty surrogacy-specific plan, offered through New Life Agency, as it is a major medical policy. As such, it behaves the same way a regular medical policy would and does not have exclusions of coverage. The ACA comes with a wide range of coverage and more in-network providers than surrogacy specific policies and is generally more widely understood by the billing department of most medical professionals.
The ACA is also vastly more affordable than a private surrogacy specific coverage plan. While you will not incur any costs as the result of any qualifying health care expense regardless of what plan you ultimately have, qualifying for and using the ACA for your journey can save your intended parents a substantial amount of money.
One potential complication to attaining the ACA for your surrogate journey is that enrollment is limited to a small window of time each year, generally occurring between November and January for the next year period. Certain life occurrences like marriage or loss of other coverage can happen that would allow for enrollment outside of the open enrollment period but typically, enrollment must happen during this window.
Your Admissions Specialist will be able to help you navigate the enrollment period for ACA and will be able to answer any additional questions you may have moving forward.