Assisted Reproductive Technology And Insurance Coverage In Minnesota
Having a child through in vitro fertilization, donation or surrogacy is such a joy. Nevertheless, understanding the complexities of insurance coverage for assisted reproductive technology (ART) can be daunting. Moreover, identifying proper insurance needs to be done right away.
At Steven H. Snyder & Associates, our experienced assisted reproductive technology lawyers are here to guide you through this challenge. Whether you are considering egg, sperm or embryo donation, or surrogacy, we understand the intricacies of ART birth and insurance coverage.
We invite you to contact our firm for a free consultation to discuss your situation, explore legal options and determine how we can assist you. We have helped many people build their families on a strong legal foundation using ART and surrogacy.
We are located in Maple Grove and represent individuals and families throughout Minnesota and beyond. Call 612-504-6499 or email us today.
Insurance Coverage And Surrogacy
Insurance coverage is a critical financial consideration for intended parents using assisted reproductive technology. It is essential to thoroughly evaluate a surrogate’s insurance policy. Many policies contain exclusions that could affect coverage for surrogate pregnancies. Additionally, certain policies may have liens unsuitable for these situations. Government plans like Tricare or medical assistance also present some challenges.
Each insurance plan is different and requires independent review by your assisted reproductive technology lawyer. Identifying whether a plan is self-insured is also crucial, as it affects who interprets the policy language.
Who Is Responsible For Pregnancy-Related Medical Expenses In A Surrogacy Arrangement?
In surrogacy arrangements, the surrogacy contract outlines that the intended parents will bear all pregnancy-related medical costs. Reviewing the surrogate’s existing insurance is crucial to ensure it covers surrogate pregnancies. If it does not, our assisted reproductive technology lawyers can work with specialized brokers to secure appropriate insurance for the surrogate.
It is vital to assess the suitability of a surrogate’s health insurance early in the process — either before or during contract negotiations — to adequately address insurance considerations in the surrogacy agreement.
What Should Our Surrogacy Contract Cover In Terms Of Health Insurance?
Our surrogacy contracts ensure clarity regarding health insurance coverage:
- The contract states that the surrogate does not guarantee coverage by her insurance.
- Intended parents are responsible for all pregnancy-related medical expenses.
- Any changes in the surrogate’s insurance policy must be communicated immediately to the intended parents.
- The contract stipulates that the surrogate should only visit in-network providers when possible.
These terms protect the intended parents and the surrogate by clearly setting expectations for insurance coverage.
How Do I Make Sure My Newborn Baby Is Covered By My Insurance?
Ensuring that a newborn is covered involves several steps:
- Confirming that the delivery hospital is within the parents’ network
- Understanding the process and documentation required to add a newborn to their policy
- Ensuring timely addition of the baby to their policy to secure retroactive coverage from birth
It is important to review your own insurance policy to understand how to add your child for coverage. Our assisted reproductive technology lawyers can perform this review and help you get your child added to your policy properly.
How Do Parentage Laws Impact Minnesota Couples Building Their Families Through Surrogacy?
Minnesota lacks a specific surrogacy law. Therefore, we refer to the state’s Uniform Parentage Act, termination of parental rights law and adoption laws as we establish parentage in surrogacy arrangements. The need to terminate the parental rights of the surrogate or file for adoption depends on the intended parents’ marital status and genetic relationship with the child.
Contact Us Now For A Free Consultation
Dealing with insurance and the legal aspects of ART can be complex and you need to get a handle on it right away. Contact Steven H. Snyder & Associates today by phone at 612-504-6499 or by email to arrange a free consultation with an experienced assisted reproductive technology lawyer. We are here to help you build your family with confidence and legal assurance.