No insurance Have ant GS's out there completed a journey without medical insura
Posted 27 February 2013 - 05:51 PM
Posted 28 February 2013 - 12:48 PM
Posted 28 February 2013 - 04:32 PM
Posted 22 March 2013 - 07:06 PM
Posted 22 March 2013 - 07:58 PM
There are usually surrogacy insurance options that will cover surrogacy.
Your attorney should be able to help you or agency if you need assistance.
Additionally, you could consider asking an insurance agent (i.e. the agent that insures your home, car, etc).
Posted 22 March 2013 - 08:08 PM
A few things you can do now, or when you get closer to *there*
*Call around for insurances online that are usable for your state, and insurance primarily in your state.
*You can ask if the particular policy your interested in covers maturnity, and if there is any other exclusions to be aware of. Don't take their word for it, ask for a copy of the policy. (when I say ask, I might mean demand :P/>/>/>/>
*Use the actual zipcode you are in, diff Counties/zip codes DO matter when talking to an agent.
*Sometimes they do not want to directly answer maturnity/surrogacy q's, so:
You do not have to give your name, and you can ask as if you want answers for a future 'in case' your family is not complete/what if you were to adopt the child out/what if you were to think of being a surrogate... all in the future of course :)/>/>/>/>
*One of the important things to ask is if there is a wait time. Meaning some will cover maturnity, but only after you've been on the insurance for a certain amount of time. Some have a diff type of wait time, meaning you must wait the certain time frame before even getting the policy at all.
*Check around for health programs, (no not welfare :P/>/>/>/>)some states have programs meant to help individuals/families who do not have any insurance, or do not have enough coverage. These are kinda like the programs you'll find at dentist offices... you pay per year (or certain amount of months) for a "plan" that is NOT insurance, but makes the cost lower by a certain percentage.
You may or may not be able to use this for surrogacy, pls check with a lawyer in your state &ask for a copy of the policy.
*Since those "plans" are usually only available per the above statuses, you'll want to make sure to let them know if you have actual insurance coverage, and all the policy details.
**This is also great to use for the IP's paying cash. It will help cut the cost. Note it most likely will not help with IUI/IVF.
*Read over threads in the forum about insurances, you'll find snippets here and there that will give you some ideas. There will be surro's who McPriceyPolicy worked for, and some who hated it, but you'll get a general idea of what insurances might be more friendly per your state. You'll def. find out which ones are hugely expensive- such as L.O.L.
**Also look up complications policies. Especially when IP's are paying cash.
Only other thing I can think of right now is there was a debate whether military insurnace could be used. It's been warned over and over, DON'T USE IT.
Hope it helps, GL to you!!
"You may or may not be able to use this for surrogacy, pls check with a lawyer in your state &ask for a copy of the policy."
Should read "ask for a copy of their plan"
This post has been edited by Dragonfly: 22 March 2013 - 08:12 PM