Does Health Insurance Cover Surrogacy in Nevada?
Surrogates have made parenthood a possibility for individuals and couples who may be unable to have biological children or adopt a child due to age or marital status. Whether a friend or family member acts as your surrogate or you arrange a surrogate through one of the nation’s 100+ agencies, this route can be very expensive. Costs vary depending on the route you choose, but on average, prospective parents pay $100,000 between advertising services, matching fees, surrogate compensation, legal fees and health care costs.
Health Care Costs
While all of these expenses can be steep, the health care costs associated with pregnancy and birth can be especially high, particularly if there are any complications. In fact, there have been instances where medical costs exceed half a million dollars.
In a traditional situation in which the woman carrying the baby is the biological mother, her health insurance covers maternity care. However, the rules get a little murky when the woman is acting as a surrogate.
Is Gestational Surrogacy Covered by Health Insurance?
Generally speaking, the intended parents are responsible for covering pregnancy-related expenses, including complications that may arise over the course of the pregnancy and delivery. The standard way to control health care costs is to purchase health insurance for the woman acting as the gestational surrogate.
While all ACA-compliant health insurance plans cover maternity care, some health insurance companies do not provide coverage when the policyholder is providing gestational surrogacy services. In this case, it fell to the intended parents to purchase health insurance coverage for the surrogate that would cover maternity care.
Some health insurance plans expressly cover gestational surrogates, but they are the exception rather than the rule. In fact, it is more common for health insurance plans to state that they do not cover expenses related to surrogacy. In this case, the intended parents are required to cover all maternity services.
New Law for Gestational Surrogacy in Nevada
Recently, Nevada became the first state to pass Assembly Bill (AB) 472 of the 80th Session of the Nevada Legislature. This law specifically bars health insurance companies from denying coverage to policyholders who act as gestational surrogates. This ensures that the intended parents, who are already shouldering high surrogacy costs, are not also responsible for paying burdensome medical bills. The new law eliminates a significant financial obstacle for prospective parents, putting their hopes of having a biological child within closer reach.
Finding the Right Health Insurance Coverage with Nevada Insurance Enrollment
As is the case with any other medical service, it is best not to assume that your health insurance plan provides the coverage you expect. Reviewing your policy with an experienced health insurance agent can help you know exactly what to expect from medical services and avoid unpleasant and expensive surprises. At Nevada Insurance Enrollment, we are experts in finding health insurance solutions for a wide range of situations and can help you sign up for the best plan for your needs and budget.
Recent Posts
Healthy Summer Habits To Consider
Whether your summer style is to lounge by the pool and stay in the air conditioning or to take advantage of warm temperatures and sunny skies with cookouts, hikes and camping trips, healthy habits are the key to getting the most of your summer.
American Rescue Plan
The American Rescue Plan Act provided direct relief to working Americans to help the country recover from the economic effects of COVID-19. It included a wide range of benefits for the individuals who met the income qualifications, including direct checks, extended unemployment insurance and support for small businesses.
What To Do: Flat Tire – Engine Won’t Start – Car Overheats
Your car breaks down. Things inevitably just seem to happen, and usually at the worst possible time. A flat tire, your engine won’t start, or your car overheats. Here are a few tips that hopefully, may someday help, if you ever experience a breakdown with your car.
Search This Website
Most Popular Pages
By page visits (this month)
#1) Health Insurance Subsidy Chart
#2) Health Insurance
#3) Health Insurance WITH a Subsidy
#4) Insurance Blog
#5) Request a Quote
Top 5 Most Popular
By page visits (this month)
#1) Health Insurance Subsidy Chart
#2) Health Insurance
#3) Health Insurance WITH a Subsidy
#4) Insurance Blog Posts
#5) Request a Quote
Recent Posts
Repeal of the Individual Mandate
Health insurance, which has always been a topic surrounded by confusion, is doubly complicated as coverage requirements have evolved in recent years. Among the most significant changes was the individual mandate that was put into place under the Obama administration.
Back to Using Nevada Health Link
Nevada has taken the first steps toward an in-house enrollment site (Nevada Health Link), which would offer a better user experience and significant cost savings over Healthcare.gov. However, some experts see the merit in the switch, others are concerned that it will be a repeat of the 2014 fiasco.
Changes to Nevada’s Auto Insurance Minimum Coverage Requirements
In April of 2017, the Nevada Senate approved a bill that will nearly double the minimum liability coverage limits. Beginning on July 1, 2018, drivers will be required to carry at least $25,000 in bodily injury liability, $50,000 in bodily injury liability per accident, and $20,000 in property damage liability.
Adding MED PAY To Your Auto Insurance Policy
Med Pay is a great benefit to be added to your auto insurance policy. Med Pay is usually available in lower sums, like $1000, $5000, etc., regardless of who’s at fault in an accident. Med Pay can be used to pay for some of you and your passengers’ health insurance related costs.