INSURANCE OPTIONS AND TIMING
In surrogacy, the surrogate’s insurance primarily covers the costs of her pregnancy and delivery, while the intended parent’s insurance typically covers the newborn’s medical care. The surrogate’s insurance will cover her medical expenses, including prenatal care, labor, and delivery. Once the baby is born, the intended parents are legally responsible for the child’s medical expenses, and the child would be covered under their health insurance plan.
For surrogacy insurance, open enrollment generally begins on November 1st and ends on January 15th in most states. If you enroll between November 1st and December 15th, coverage typically starts on January 1st of the following year. Enrolling between December 16th and January 15th means coverage starts on February 1st.
Some states, like Maine, Maryland, New Jersey, Rhode Island, Vermont, New York, and Connecticut, as summarized in the table below consider pregnancy a qualifying life event, which can allow for enrollment outside of the open enrollment period.
The list below of states allow pregnancy as a qualifying life event (i.e. Allows for an ACA policy outside of open enrollment.) I also attached underwriting criteria for the Sleep Easy policy as well!
| State | Can they have existing insurance and use this QLE | When do they need to enroll by? | Will the policy backdate? | What type of documents do you need for this QLE? |
|---|---|---|---|---|
| Vermont | YES | last day of the month | No | Official letter from physician, signed by doctor, full name of GC and confirmation of pregnancy date |
| New York | YES | within 30 days of pregnancy for MVP or Oscar or anytime on exchange but to apply for exchange can not have Medicaid. | Yes, if you like to | Official letter from physician, signed by doctor, full name of GC and confirmation of pregnancy date |
| Connecticut | NO | Needs to apply within 30 days of the embryo transfer, but also needs to have the COP(1st BETA test) | No | Official letter from physician, signed by doctor, full name of GC and confirmation of pregnancy date |
| New Jersey | YES | V. Hart | Yes, if you like to | Official letter from physician, signed by doctor, full name of GC and confirmation of pregnancy date |
| Maryland | YES | within 90 days of confirmation of pregnancy | Yes, backdates to confirmation of pregnancy month. Depending upon rep could or could. | Official letter from physician, signed by doctor, full name of GC and confirmation of pregnancy date |
| Rhode Island | YES | last day of the month | No | Official letter from physician, signed by doctor, full name of GC and confirmation of pregnancy date |
| Maine | YES, not through state exchange | last day of the month | No | Official letter from physician, signed by doctor, full name of GC and confirmation of pregnancy date |
| Colorado | NO | within 60 days of confirmation of pregnancy | Yes | Official letter from physician, signed by doctor, full name of GC and confirmation of pregnancy date |
| Kentucky | NO | No limitation when asking the Kentucky exchange | No, policy will begin the 1st day of the month after application is received. | Official letter from physician, signed by doctor, full name of GC and confirmation of pregnancy date |
| Virginia | NO | within 60 days of confirmation of pregnancy | No, policy will begin the 1st day of the month after application is received. | Official letter from physician, signed by doctor, full name of GC and confirmation of pregnancy date |
Please contact Jesica at 1-212-661-7177 or jessica@surrogacy4all.com if you have any questions.
DIVISIONS OF DGA, INC
1148 Fifth Avenue,
Suite 1C New York, NY
10017 PHONE: (212) 661-7177
EMAIL: INFO@SURROGACY4ALL.COM
Dr. Kulsoom Baloch
Dr. Kulsoom Baloch is a dedicated donor coordinator at Egg Donors, leveraging her extensive background in medicine and public health. She holds an MBBS from Ziauddin University, Pakistan, and an MPH from Hofstra University, New York. With three years of clinical experience at prominent hospitals in Karachi, Pakistan, Dr. Baloch has honed her skills in patient care and medical research.
- Dr. Kulsoom Balochhttps://www.surrogacy4all.com/author/dr-kulsoom/
- Dr. Kulsoom Balochhttps://www.surrogacy4all.com/author/dr-kulsoom/
- Dr. Kulsoom Balochhttps://www.surrogacy4all.com/author/dr-kulsoom/
- Dr. Kulsoom Balochhttps://www.surrogacy4all.com/author/dr-kulsoom/
