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Intended Parents

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Egg Donor & Recipient Complications Protection
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Accidental Death Insurance
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Surrogate Maternity Insurance

Accidental Death Insurance

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Accidental Death Policy –This policy, which works similarly to a life insurance policy, provides coverage in the very unlikely event that serious pregnancy complications take the life of the GS.

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Satisfies the Intended Parents’ contractual obligation to secure insurance in the event of the surrogate’s death during pregnancy.

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Plan Highlights

  • No medical underwriting and no medical exams

  • Quick and easy web based application process

  • Paid benefits to the surrogate’s named beneficiaries and/or to the Intended Parents

  • Optional coverages available for:          

    • Permanent Total Disablement ‘PTD’

    • Loss of Reproductive Organs ‘LRO’

  • Ages 21 to 45 inclusive

  • Up to 18 months’ coverage; pro-rata extensions available

Egg Donor and Recipient IVF Cycle Complications Insurance

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Egg Donor & Recipient Gestational Surrogate (GS) Complications Insurance –This policy is in effect while the Egg Donor and/or Recipient (GS) is undergoing the IVF cycle treatment; before the maternity policy is in effect. It covers only situations where the Egg Donor and/or Recipient (GS) has an adverse reaction to the IVF procedures or medications.

 

Manages risk of complications related to the IVF cycle procedure and resulting medical expenses.

 

Complications that may occur include but are not limited to:

  • Ovarian Hyper Stimulation Syndrome(OHSS)

  • Ovarian bleeding

  • Loss of ovaries

  • Allergic reaction to medications

 

Plan Highlights

  • No medical provider network restrictions

  • Quick and easy online application

  • No deductible; Coverage limits up to $1.0Mavailable

  • 18-month cycle coverage option available

    • Unlimited number of cycles within the 18-month term

  • Optional coverages available for

    • Accidental Paralysis ‘AP’

    • Loss of Reproductive Organs ‘LRO’

  • Prompt and transparent claims processing

  • Ages 21 to 40 inclusive; coverage considered up to age45

  • Coordination of Benefits, other insurance considered if coverage purchased on a secondary basis

  • Preferred rates considered based on proven program performance

  • Offering dual coverage for egg donors

    • Insuring IVF cycles conducted at approved international clinics

    • Insuring international donors

Surrogate Maternity Contractual Liability Medical Expense Insurance

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Intended Parents (IP’s) are matched with a Gestational Surrogate (GS); her health insurance status will determine what type of insurance is used. The two most common outcomes are using (1) the GS’s existing health insurance or (2) a surrogacy specific plan though Universal Family Insurance (UFI), backed by a Lloyd’s of London syndicate. If (1) is selected, IP’s will also purchase a “backup plan” that provides coverage in the event of a denial by the GS’s primary insurance. Pregnancy costs will be covered by insurance (IP’s will incur shared costs called “deductibles” and “co-payments”). If you are using the UFI plan, all billing and payments are managed. The selected insurance plan continues to provide coverage for the GS once she is admitted to the hospital to deliver the baby. The GS is typically covered for any pregnancy related care she needs post-delivery.

 

Protects the Intended Parents from potential financial loss due to maternity medical complications and effectively manages surrogate’s maternity and childbirth medical billing.

 

Plan Highlights

• Maternity coverage written specifically for gestational surrogacy

• Eliminates any uncertainty of coverage

• No medical provider network restrictions

• Effective management of medical expense costs by our third party administrator

• Preferred rates available

• Coverage can be written on either a Primary, Secondary or Reimbursement (Self-Pay) basis

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Financial Case Management Services
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Newborn Insurance
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Surrogate Bedrest Disability Insurance

Newborn Insurance

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Your newborn baby is typically not covered by either the UFI maternity plan or the GS’s insurance. Many U.S. based IP’s, and some international IP’s, have their own health insurance that will cover these costs. When that isn’t the case, most IPs choose to pay cash themselves or may elect to purchase UFI Newborn Insurance.

Covers medical expenses that are the financial responsibility of the foreign national Intended Parents, including all medically necessary NICU, nursery charges, and outpatient care 60-days from date of birth or until Newborn leaves the U.S. (whichever is sooner).

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Plan Highlights

  • Designed specifically for babies born in the U.S. to foreign national Intended Parents through surrogacy

  • Covers medical expenses incurred from birth until babies return to home country

  • Up to $1.0M limit of indemnity

  • Up to $5,000 for medically necessary transport to nearest suitable facility for emergency care or neonatal care

  • Flexible coverage terms available

  • No medical provider network restriction

Financial Case Management Services

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Financial case management provides the knowledge and financial strength to effectively manage surrogates’ maternity and childbirth medical expenses.

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Highlights

  • No medical provider network restrictions

  • Skilled claims negotiations specializing in maternity care

  • Prompt and transparent claims processing

  • Web-based centralized administration

  • Secure user-friendly access to all claim activity

  • Every claim is settled fairly and quickly

Surrogate Bedrest Disability Insurance

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Covers expenses incurred in the event physician ordered bedrest prevents the surrogate from attending to her usual business or occupation or providing childcare and housekeeping for her family.

 

Plan Highlights

• Covers Surrogate’s Lost Wages

• Reimbursement of Childcare Expenses

• Housekeeping allowance of $100 per week

• Maximum allowable Indemnity of $30,000

Family and Social Worker
Insurance Policy Verification
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ACA Plan Placement
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Local Monitoring

Local Monitoring*

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Local Monitoring is a term used in the surrogacy industry for the monitoring of gestational surrogates and donors at medical providers located at an inconvenient distance from the IVF provider. This typically involves several appointments for blood work and ultrasounds either leading up to a transfer (in the case of a donor) or following the transfer, in the case of the gestational surrogate. Monitoring appointments typically go until the certification of pregnancy (COP), at which point the patient (GC) is released to her OBGYN for standard maternity care.

 

Local Monitoring is paramount to a successful pregnancy during the IVF process. Appointments cannot be missed or a cycle is considered no longer viable. In addition, there are wide variances in the protocols and amount of services required by the treating IVF provider and wide variances regarding where the surrogates reside, there can exist a wide fluctuation of costs associated with these procedures. The service we provide is to ensure that adequate providers are identified (near the GC and competent in the procedures), no appointments are missed (GC understands and accepts recommended providers), and costs are contained either by finding alternative locations, steering to network providers, or negotiating high costs associated with the care. We use our database as an interface with the customer for timing and coordination of care, as well as internally to manage communication and costs.

 

*In partnership with NES

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Plan Highlights

  • All necessary bloodwork

  • All necessary ultrasounds

  • Coordination of all appointments with donor according to calendar

  • Utilization Review

  • Online Portal for bill monitoring- check the status 24/7

  • Streamlined processing and appointments

  • 4,600 Lab Testing Centers

  • Over 27,000 OBGYNS

  • Over 4,600 Hospitals

  • Over 1,000 Reproductive Endocrinologists

  • Over 200 IVF Centers

ACA Plan Placement

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The Affordable Care Act (Obamacare) is the comprehensive health care reform law enacted in March 2021 to make affordable health insurance available for more people.

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Highlights

  • Search for ACA policies in the surrogate’s region which do not exclude surrogacy

  • Detailed write-up on eligibility for all available options

  • Explanation of plan and financial obligations

  • Step-by-step assistance for the surrogate as they apply

Insurance Policy Verification

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Review of a surrogate’s existing insurance policy in which Fertility Plus confirms existence/or lack of exclusions, liens, or any clause denying payment of medical claims.

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Highlights

• Professional, written opinion on extent of coverage included in the GC’s existing insurance

• Review of language included in the evidence of coverage (EOC) provided by the carrier

• Verbal confirmation of language included in EOC through direct contact with carrier representatives

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IVF Connect*

IVF Connect*

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Direct access to the nation’s largest IVF and local monitoring network. These surrogacy specific packages are contracted directly with over 150 IVF providers, specialty pharmacies, and genetic testing locations across the country. By joining forces with industry leaders, NES Assurance brings direct to the surrogacy industry, the high quality services and bundled pricing discounts typically reserved for the large payers of group healthcare.

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*In partnership with NES

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Plan Highlights

  • Deep discounts across the country on IVF services, pharmacy, and genetic testing.

  • Service bundles specific to the surrogacy industry, keeping your donor and gestational carrier in mind.

  • All-inclusive pricing, with packages including donor and carrier monitoring, medications, labs, office visits, imaging, mock cycles, cryopreservation, transfers, screenings, and genetic testing.

  • More predictable costs, allow for a clear budget and easier financial planning from the onset of the journey.

  • Expected savings more than 50% over standard retail costs.

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