What you need to know about third party insurance for newborns

Gestational surrogacy is a complex process, both medically and legally. However, you don’t have to navigate it alone. The team at The Fertility Center of Las Vegas (FCLV) guides men and women through this exciting family-building journey. To help you have the most successful and stress-free experience with surrogacy, our Las Vegas fertility center is here to provide guidance regarding third party insurance for newborns.

Please note that U.S. insurance is complicated and ever-changing, making it difficult to understand. It is especially difficult for international intended parents, because it is so different from most universal and private health insurance options that other countries offer. This is why it’s important to learn more and reach out to insurance experts who can offer recommendations for your specific situation and needs.

Do you need third party insurance for newborns?

Third party insurance for newborns can be helpful. Most state-run healthcare policies do not include coverage for newborn medical care when the child is born through gestational surrogacy.

You can cover this gap by purchasing third party insurance. However, each family will need different levels and types of coverage, and many factors influence this decision. This insurance can also be very expensive while offering minimal coverage, so it may not be the best option for some parents. Our Las Vegas fertility center recommends that you talk to an insurance expert. Such a professional can help you review the many variables at play in your unique situation.

When it comes to when you should purchase insurance for your newborn, insurance experts often say that sooner is better. In fact, some insurance policies require parents to purchase them before the embryo transfer or confirmation of pregnancy. This is another reason why it is so important to talk to an insurance expert early in your family-building process.

What are the risks of not having third party insurance?

Our team often tells patients to think of insurance as a safety net. It can protect you if something goes wrong. For example, most babies born to surrogates are healthy and full term, but there are no guarantees. In some cases, a baby may be born premature or need medical treatment after delivery. Without insurance, complications can be expensive. With third party insurance for newborns, parents can have peace of mind and protection.

However, third party insurance may not be right in every situation, so we can put you in touch with professionals to determine whether this option is right for your family.

Contact our Las Vegas fertility center to learn more about the process of gestational surrogacy. Our caring and experienced team can explain each step, including how to get insurance.