in waiting for HB on next November 20, we are just to choice a insurance plan for us GC while the enrollement is opened (at this time our GC had a Kaiser Permanente insurance, but because in California Kaiser is not very good for surrogacy we must to change), and a new born insurance for the baby (we are international parent coming from Europe).
Our agency proposed to us (for GC) a BluShields, in particular the "Gold 80 PPO". The main benefit is:
- about $526 monthly premium, no deductible and out of pocket of 6,000$. exception listed in notes (I don't find for example for a C-Section, beacuse out GC had over the past two pregnancy both with C-Sec).
Other question is for NewBorn insurance (we are not american citizen so after birth every fee and cost is under our responsibility). We surfed on the internet and we found essentially two:
- newLife insurance (have a deductible to $12500, cover up to $100.000)
- ArtRisk for NewBorn
The first is a insurance, the second one is a coordination provider negotiation.
Please could you give us some help to see if the option for GC is ok? We don't know where to start, we don't know how many visits or exams are needed on average during the pregnancy, if there are some exams that are mandatory or not, and so on.
Please, every information is important to us