So I have a big, $45,000 question: how can I tell if my surrogate's health insurance will cover her being pregnant with our embryo (egg and sperm from intended parents, so she'll make no genetic contribution).
In her Blue Cross Blue Shield PPO of Illinois plan, listed under general exclusions, is the phrase "surrogate parenting." No further info. Does it mean the plan doesn't cover her being a surrogate for us or her hiring a surrogate for her own use--or something else entirely? I've spoken to more than one lawyer about the phrasing and no one can parse it comfortably. I also spoke (anonymously) with more than one customer service rep and received conflicting information (yes and no) so that didn't help.
One lawyer advised that given the vagueness, we should just try the insurance if the pregnancy takes place and if they deny the claim somewhere through the process, I could active the New Life surrogate insurance policy back-up plan (which is intended for when a surrogate's own insurance starts denying claims) and then pay the $45,000 for the full insurance package. The lawyer said doing this is neither illegal or unethical.
I wonder if anyone out there has had experience in this situation (and with using the New Life back-up plan). Our surrogate is a close friend who is doing this for us as a gift; she is reluctant to use her own insurance for fear that if she makes too many claims (like with a new pregnancy), they may cancel the policy. Given the new protections in the Affordable Care Act and the fact that the insurance comes through her employer, I don't think she can lose her insurance for "overuse"--it's not like a car insurance policy. Getting fired from her job would be the only way to lose employer-provided insurance. I want to do everything to make her happy but not spending $45,000 on redundant insurance would make me happy.
Anyone would could suggest resources or relate experience related to this issue would be appreciated. Thanks.