Medical Expenses Coverage For The Surrogate Mother

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Surrogacy has been a major topic of discussion in the recent past, especially in Minnesota. Even with the increase in the number of parents that are willing to explore this option to get their own children, there are still people that think surrogacy should not be allowed.

For many, surrogacy is not only a way to help parent bring their own child to the world, but it is also an opportunity to get money. As employment continues to be a problem, many women, especially those between the ages of 25-35 are looking to surrogacy for income, but the question is, how to become a surrogate in Mn?


Medical Expenses Coverage for the Surrogate Mother


This is one of the major concerns of the many women out there looking to be surrogate mothers. Sometimes it is unclear on who should pay the bills during the pregnancy and many women are afraid of getting into the surrogacy business due to the uncertainty. There is fear that the surrogate will be left broke or with a ton of bills to settle once the baby is born and therefore beat the purpose of getting into the surrogacy business in the first place.

However, this is not the case. The medical expenses are covered by the insurance policy of the surrogate; they are covered by the intended parents. Before the contract is signed between the parents and the surrogate, there has to be an agreement on the medical expenses to be incurred by the surrogate. Many agencies require the intended parents to pay a fee immediately they start working with the agency to get a surrogate.

This fee is what is used to cater for the initial medical exams and check-ups that the potential surrogates are required to get. Once the match-making is complete, the parents are given time to raise the money for medical expenses that will be incurred in the course of the pregnancy.

The funds are then monitored by the agency so that the surrogate will be in communication with the agency on the medical bills incurred and even the allowances the surrogate is entitled to. However, these funds are only for the expenses that are directly related to the health of the surrogate and the baby. Most of the basic health care requirements and needs will be included in the fund. However, any additional needs may not be catered for. Some of the examples of additional needs include the following;

  • ┬áChiropractic care.
  • ┬áMassage therapy.

However, before and even after the contract has been signed, the surrogate can ask about the services that are considered basic and those that are not. This way the surrogate is able to know the services that will be catered for by the fund and those that will not.

A surrogate mother is not liable for the basic medical expenses that may be incurred in the course of her pregnancy. The intended parents in most cases give the estimated funds required for the entire gestational period of the baby. The agency then is in charge of disbursing the funds to the surrogate upon communication on the medical bills and expenses incurred.

However, this does not mean that the surrogate mother will never pay for medical expenses and other bills. This may occur since some service providers may require payment at the time of service delivery. However, in such a case, the surrogate mother can be compensated for the incurred costs and expenses.


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