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Surrogates have made parenthood a possibility for individuals and couples who may be unable to have biological children or adopt a child due to age or marital status. Whether a friend or family member acts as your surrogate or you arrange a surrogate through one of the nation’s 100+ agencies, this route can be very expensive. Costs vary depending on the route you choose, but on average, prospective parents pay $100,000 between advertising services, matching fees, surrogate compensation, legal fees and health care costs.
While all of these expenses can be steep, the health care costs associated with pregnancy and birth can be especially high, particularly if there are any complications. In fact, there have been instances where medical costs exceed half a million dollars.
In a traditional situation in which the woman carrying the baby is the biological mother, her health insurance covers maternity care. However, the rules get a little murky when the woman is acting as a surrogate.
Generally speaking, the intended parents are responsible for covering pregnancy-related expenses, including complications that may arise over the course of the pregnancy and delivery. The standard way to control health care costs is to purchase health insurance for the woman acting as the gestational surrogate.
While all ACA-compliant health insurance plans cover maternity care, some health insurance companies do not provide coverage when the policyholder is providing gestational surrogacy services. In this case, it fell to the intended parents to purchase health insurance coverage for the surrogate that would cover maternity care.
Some health insurance plans expressly cover gestational surrogates, but they are the exception rather than the rule. In fact, it is more common for health insurance plans to state that they do not cover expenses related to surrogacy. In this case, the intended parents are required to cover all maternity services.
Recently, Nevada became the first state to pass Assembly Bill (AB) 472 of the 80th Session of the Nevada Legislature. This law specifically bars health insurance companies from denying coverage to policyholders who act as gestational surrogates. This ensures that the intended parents, who are already shouldering high surrogacy costs, are not also responsible for paying burdensome medical bills. The new law eliminates a significant financial obstacle for prospective parents, putting their hopes of having a biological child within closer reach.
As is the case with any other medical service, it is best not to assume that your health insurance plan provides the coverage you expect. Reviewing your policy with an experienced health insurance agent can help you know exactly what to expect from medical services and avoid unpleasant and expensive surprises. At Nevada Insurance Enrollment, we are experts in finding health insurance solutions for a wide range of situations and can help you sign up for the best plan for your needs and budget.
Sometimes, deciding whether to see a doctor is a gray area, but it’s better to err on the side of caution. If you are experiencing a serious injury or illness, it is easy to justify making a call to your local medical office. However, it is important to remember that early detection generally leads to better outcomes.
Health insurance pays for dermatology appointments in the same way that it does any other visit with a specialist. If the treatment you are seeking is “medically necessary”, and you have followed your plan’s rules for getting referrals or seeing in-network providers, you will not have to pay for your care entirely out of pocket.
Understanding your emergency room bill, including what charges are on there and whether they are fair, can help you spot discrepancies and potentially save you money.
By page visits (this month)
By page visits (this month)
In health insurance, an exclusion is a medical procedure or treatment that the health insurance company does not cover. This may include specific medications, surgeries or therapies that are specifically omitted from your policy.
Going through a divorce can be a very stressful time, and it is unlikely that your health insurance coverage is at the forefront of your mind throughout the proceedings.
If you move out of state, you’ll need to get coverage in your new state and need to report your move within 30 days and enroll into a plan within 60 days, but each state rules may vary. When you move, if you have insurance now, it would be considered a qualifying life event.
Vision insurance is supplemental health insurance that covers vision-related care. This includes annual visits and emergency care, along with corrective products such as glasses and contacts.