Protection for every step you take.

Intended parents are matched with a gestational surrogate; her health insurance status determines what type of insurance is used. The two most common outcomes are using the surrogate’s existing health insurance, or a surrogacy-specific plan through Universal Family Insurance (UFI), backed by a Lloyd’s of London syndicate. If existing coverage is selected, intended parents also purchase a backup plan that provides coverage in the event of a denial by the primary insurance. Pregnancy costs are covered by insurance (intended parents incur shared costs such as deductibles and co-payments). If you are using the UFI plan, all billing and payments are managed. Coverage continues once the surrogate is admitted to the hospital to deliver, and typically covers pregnancy-related care she needs after delivery.

In partnership with Universal Family Insurance · Lloyd’s of London.

This policy is in effect while the egg donor and/or recipient (gestational surrogate) is undergoing IVF cycle treatment — before the maternity policy is in effect. It covers situations where the donor or recipient has an adverse reaction to IVF procedures or medications, managing the risk of cycle-related complications and resulting medical expenses. Complications may include ovarian hyperstimulation syndrome (OHSS), ovarian bleeding, loss of ovaries, and allergic reaction to medications.

In partnership with Universal Family Insurance.

This policy works similarly to a life insurance policy. It provides coverage in the very unlikely event that serious pregnancy complications take the life of the gestational surrogate, and satisfies the intended parents’ contractual obligation to secure insurance in the event of the surrogate’s death during pregnancy. Benefits may be paid to the surrogate’s named beneficiaries and/or to the intended parents.

In partnership with Universal Family Insurance.

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

Fertility Plus is partnered with NES Assurance, the leading financial case management organization providing cost-containment services for the assisted reproductive technology industry. Financial case management provides the knowledge and financial strength to effectively manage surrogates’ maternity and childbirth medical expenses.

In partnership with NES Assurance.

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

The Affordable Care Act is the comprehensive health care reform law enacted in March 2010 to make affordable health insurance available for more people. We search for ACA policies in the surrogate’s region that do not exclude surrogacy, then walk through eligibility, plan design, and the application itself.

Local monitoring is the term used in the surrogacy industry for monitoring gestational surrogates and donors at medical providers located at an inconvenient distance from the IVF provider. It typically involves several appointments for blood work and ultrasounds either leading up to a transfer (for a donor) or following transfer (for a gestational surrogate), until certification of pregnancy, when the patient is released to her OB-GYN. Appointments cannot be missed or a cycle is no longer viable. Protocols, geography, and pricing vary widely. We identify competent nearby providers, keep appointments on calendar, and contain costs by finding alternatives, steering to network providers, or negotiating high fees.

In partnership with NES Assurance.

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 the surrogacy industry the high-quality services and bundled pricing discounts typically reserved for large group-healthcare payers.

In partnership with NES Assurance.