Insurance is one of the most common questions intended parents and surrogates ask when starting this journey, and for good reason. Medical costs can add up quickly, and understanding what's actually covered before the process begins can save a lot of stress later on. The short answer is that coverage varies widely, so it's worth digging into the details early.
What New Hampshire Law Requires
Surrogacy in New Hampshire is governed by RSA 168-B, one of the more detailed surrogacy statutes in the country. The law requires that every gestational carrier agreement include specific insurance provisions, covering health, disability, and life insurance for the surrogate during the pregnancy and for a period afterward. This means insurance isn't optional or left to chance, it's a mandatory part of any legally enforceable contract in the state. Intended parents are generally responsible for ensuring these coverage requirements are met before the surrogate becomes pregnant.
Where Coverage Gets Complicated
Even though the law mandates insurance provisions, many standard health insurance plans specifically exclude surrogacy-related pregnancies from coverage. Some policies will pay for prenatal care and delivery without issue, while others contain clauses that deny claims entirely once a surrogacy arrangement is identified. Because of this inconsistency, many intended parents choose to purchase a separate surrogacy-specific insurance policy rather than relying solely on the surrogate's existing plan. These supplemental policies are designed to fill gaps left by traditional insurance and typically cover complications, delivery costs, and related medical expenses that a standard plan might reject.
Planning Ahead for Coverage
Because insurance details can make or break a surrogacy arrangement financially, it's essential to review policy language carefully before signing a contract. Working with an experienced surrogacy attorney or agency can help identify gaps early and determine whether a supplemental policy is necessary. Taking the time to sort out coverage upfront helps both surrogates and intended parents avoid unexpected medical bills and focus on the journey ahead with more confidence.
Author Resource:-
Jeson Clarke writes about surrogacy agency services, sharing clear guidance for intended parents and family planning. You can find his thoughts at surrogacy clinic blog.
Top comments (0)