Explaining the basics of third party insurance for newborns
The gestational surrogacy process includes many complex medical and legal components. However, you have support on this journey. The Fertility Center of Las Vegas (FCLV) team will walk with you during this exciting time. To ensure that you have a successful surrogacy experience, our Las Vegas fertility center suggests that you purchase third party insurance for newborns.
Why do you need third party insurance for newborns?
Our Las Vegas fertility center believes that third party insurance for newborns is critical for many reasons, especially for our international patients. Most state-run healthcare programs don’t provide coverage for a baby born in the United States through gestational surrogacy. At the same time, the U.S. healthcare system won’t cover the child because it is a non-citizen. The surrogate also can’t put the child on her insurance because the baby is not legally her child. This leaves a gap in coverage.
Third party insurance for newborns covers this gap. Each family is unique, so they will need different types and levels of coverage. For this reason, our Las Vegas fertility center suggests that all patients speak with an insurance expert. This person can review your situation and determine the right coverage for you.
The timing for purchasing insurance for your newborn is very important. As it turns out, some insurance policies will require you to purchase coverage at the time of the embryo transfer. When you talk to an insurance expert, you can learn about this and other requirements.
Are there risks of not having third party insurance for newborns?
There can be many risks of not having insurance for your baby born from gestational surrogacy. A single mistake can cost hundreds of thousands of dollars. If you buy insurance now, you can avoid higher costs that may arise later.
You can think of insurance as a safety net that will protect you if something goes wrong. Most babies born from gestational surrogacy are healthy. However, a baby may be born too early or need medical attention after birth. Such complications can be expensive without insurance. However, third party insurance for newborns provides peace of mind and protection.
Contact our Las Vegas fertility center to get more information about gestational surrogacy. Our compassionate and knowledgeable team can explain the entire process, including getting third party insurance for your newborn.