Does Insurance Cover Gestational Surrogacy?

For couples who are struggling to conceive, gestational surrogacy can be a life-changing option. But as with anything involving fertility treatments, it can be costly. So, does insurance cover gestational surrogacy? The answer is: it depends. Every insurance plan is different, and coverage for fertility treatments can vary widely. In some cases, insurance will cover part of the cost of gestational surrogacy. In other cases, insurance may not cover any of the costs. If you’re considering gestational surrogacy, your first step should be to check with your insurance provider to see what (if any) coverage they offer. From there, you can start to plan for how you will finance your surrogacy journey.

What is gestational surrogacy?

Gestational surrogacy is a type of surrogacy in which a woman carries and gives birth to a baby for another person or couple. The baby is not biologically related to the surrogate, who is known as the gestational carrier.

This type of surrogacy arrangement is often used when a woman is unable to carry a pregnancy herself or when she has a medical condition that makes pregnancy risky. In gestational surrogacy, the egg and sperm are usually from the intended parents or from donors. The embryo is created through in vitro fertilization (IVF) and then implanted into the surrogate’s uterus.

The gestational carrier carries the baby for the full term of the pregnancy and delivers the baby for the intended parents. After delivery, she has no legal claim to the child and gives up all parental rights. The intended parents become the child’s legal parents.

Gestational surrogacy can be an expensive process, but there are many resources available to help with costs. Some insurance companies will cover part or all of the costs associated with gestational surrogacy, so it’s important to check with your insurer to see if coverage is available.

How much does gestational surrogacy cost?

The cost of gestational surrogacy can vary depending on a number of factors, but typically ranges from $30,000 to $100,000. The majority of this cost is typically related to the medical procedures involved in implantation and pregnancy, as well as legal fees and surrogate compensation.

While gestational surrogacy is often not covered by insurance, there may be some coverage for certain medical procedures related to the surrogacy process. It is important to check with your individual insurance provider to see what coverage they may offer.

Does insurance cover gestational surrogacy?

There are many different types of insurance policies out there, and it can be confusing to try to figure out which one will cover gestational surrogacy. The best way to find out is to contact your insurance company directly and ask them about their coverage for this type of procedure.

Most insurance policies will not cover the costs of gestational surrogacy, as it is considered an elective procedure. However, there are a few policies that do offer some coverage, so it’s definitely worth checking into. If your policy does not cover the costs, you may still be able to get some financial assistance through other sources such as grants or loans.

How to find a gestational surrogate

If you’re considering gestational surrogacy, you may be wondering how to find a surrogate. The first step is to research whether or not your insurance will cover the cost of surrogacy. If it doesn’t, you may need to self-pay for the procedure, which can cost upwards of $100,000.

Once you’ve determined how you will pay for surrogacy, you can begin your search for a surrogate. There are many ways to find a surrogate, including working with a surrogacy agency or fertility clinic, searching online forums or databases, or reaching out to friends or family members who may be willing to act as a surrogate.

When searching for a surrogate, it’s important to consider her medical history, psychological health, and relationship status. You will also want to make sure that she is comfortable with the level of contact she will have with you during and after the pregnancy. Once you’ve found a potential surrogate who meets your criteria, be sure to have her undergo a comprehensive medical evaluation before moving forward.

If you take the time to do your research and find a qualified and compatible gestational surrogate, you can rest assured that you are well on your way to starting or expanding your family through this wonderful option.


If you are considering gestational surrogacy, it is important to know what your insurance will and will not cover. While some aspects of the surrogacy process may be covered by your insurance, other parts may not be. Be sure to talk to your insurance provider about what is and is not covered before you begin the surrogacy process. This way, you can plan accordingly and have a better understanding of what costs you will be responsible for.