What if I don't have health insurance?

No problem! Intended parents provide comprehensive surrogate-friendly insurance, coverage for all pregnancy-related care, coverage begins before transfer, includes complications coverage, and life insurance policy during pregnancy.

Overview

This guide answers “What if I don't have health insurance?” from a surrogate perspective and outlines what typically happens, what can vary, and what to confirm with your clinic and agency.

Insurance basics to confirm

Insurance details can affect both cost and stress. Confirm what is covered (prenatal care, delivery, complications, prescriptions) and how claims are handled.

If a policy change occurs mid-journey, have a documented contingency plan for continuity of care.

Typical workflow (high level)

1. Confirm eligibility: requirements, records, and a quick pre-screen.
2. Screening: medical records review, background checks, and psychological screening.
3. Matching: profile review, introduction, and alignment on expectations.
4. Legal: agreements are reviewed and signed before medical steps proceed.
5. Medical cycle + transfer: the clinic manages timing, medications, and monitoring.
6. Pregnancy + delivery: ongoing care coordination through birth and postpartum wrap-up.

What can vary (and why)

• Clinic schedules and medical protocols (individualized to the situation).
• State and international legal requirements (especially for parentage workflows).
• Matching preferences and availability (fit matters).
• Insurance and financial structure (coverage details can change).
• Logistics like travel, time zones, and appointment availability.

Questions to ask (so you don’t get surprised later)

• What are the next 2–3 steps in my specific situation?
• What documents or records should I prepare before we start?
• Which decisions should I make now vs later?
• What does the current insurance policy cover (and what does it exclude)?
• Who is responsible for premiums and any out-of-pocket costs?
• How do we handle coverage changes during the journey?
• What support is available during pregnancy (coordination, counseling, emergency support)?
• What expenses are covered and how do reimbursements work?

Next steps

• Surrogacy requirements
• Apply as a surrogate
• Surrogacy process
• Contact our care team

Important note

This page is educational information only and is not medical, legal, or tax advice. Always confirm specifics with qualified professionals and your care team.

See the sources section below for reference links when available.