What expenses are covered?

All expenses covered include medical care and procedures related to IVF, embryo transfer, prenatal care, delivery, and complications; medications and vitamins; travel for appointments and transfer-related travel which may include ground transportation up to $100, hotel up to $300/day, meal allowance $75/day per person, childcare $100/day per child (up to 6 children), and companion lost wages up to $100/day (up to 5 days) with proof of employment; lost wages for IVF treatments or physician-ordered bed rest (requires recent pay stubs or prior year 1099); Bed Rest/Activity Restriction: $250/week non-accountable allowance with physician’s note (covers childcare/housekeeping/misc.) with housekeeping allowance paused during bed rest; monthly non-accountable allowance $300/month for up to 12 months (covers local travel, phone/internet, food, postage, tolls, parking, miscellaneous); maternity clothing allowance $1,000 after 15 weeks (+$200 for multiples); pregnancy wellness program $1,000 after heartbeat; housekeeping allowance up to $1,400 weekly starting from the 28th week (discontinued during physician-ordered bed rest); life insurance policy typically $250,000–$500,000; separate legal representation for the surrogate; cycle-related fees if applicable (Injectable Medication Start $1,500; Embryo Transfer $2,500 per attempt; Dropped Cycle $500; Mock Cycle $500); invasive procedure fees when medically indicated (e.g., $500 for CVS/Amniocentesis/Hysteroscopy/Cervical Cerclage/Uterine Biopsy; $1,000 for Ectopic/Tubal Pregnancy Surgery; $1,500 up to 13 weeks for D&E/D&C termination; $2,500 after 13 weeks; $2,500 per organ for loss of ovary/fallopian tube; $3,500 partial hysterectomy; $7,000 full hysterectomy); infectious disease waiver (excluding CMV) if required by clinic: minimum $5,000.