What is. . .

  • Covers a surrogates pregnancy medical expenses
  • Covers up to $500,000
  • Open enrollment 365 days a year
  • Does not change on January 1st like other plans
  • No deductibles or co-pays
  • No liens
  • No balance billing like other plans
  • Active until 90 days post birth
  • Online portal and smartphone app
  • Easily transferable to another surrogate
  • Nationwide network
  • Available to all Sage Members

SURROGATE ELITE “Your Choice” Surrogacy Care provides coverage for surrogates’ pregnancy-related medical expenses while providing parents the protection of a guaranteed fixed price upfront. No balance billing surprises like all the Surrogacy Insurance plans.

Continue below for information about the difference between current surrogacy insurance and SURROGATE ELITE “Your Choice” Surrogacy Care.

What is. . .

SAGE-logo-mark-dark
  • Covers a surrogates pregnancy medical expenses
  • Covers up to $500,000
  • Open enrollment 365 days a year
  • Does not change on January 1st like other plans
  • No deductibles or co-pays
  • No liens
  • No balance billing like other plans
  • Active until 90 days post birth
  • Online portal and smartphone app
  • Easily transferable to another surrogate
  • Nationwide network
  • Available to all Sage Members

SURROGATE ELITE “Your Choice” Surrogacy Care provides coverage for surrogates’ pregnancy-related medical expenses while providing parents the protection of a guaranteed fixed price upfront. No balance billing surprises like all the Surrogacy Insurance plans.

Continue below for information about the difference between current surrogacy insurance and SURROGATE ELITE “Your Choice” Surrogacy Care.

Due Upon Match
with Surrogate

This fee is to review costs associated with your requested hospitals. It also consists of a current health insurance review. *Non-Refundable

Once Surrogate Medically
Cleared by IVF Physician

This fee is paid to facilitate the management of your case through the entire pregnancy until three months post-birth.

SURROGATE ELITE Tier Breakdown:

Payment 1:

1st 50% due within 5 days of confirmation of pregnancy.

Bronze: $9,400

Silver: $10,400

Gold: $11,400

Platinum: $15,000

Payment 2:

Final 50% due 12 weeks post embryo-transfer.

$9,400

$10,400

$11,400

$15,000

All in Total:

*All in total includes the application review ($500) and service fee($4,500).

*$23,800

*$25,800

*$27,800

*$30,000

  • $1,500 non-refundable in all cases.
  • $5,000 total becomes non-refundable once confirmation of heartbeat occurs.
  • The Intended Parents must become an association member to access SURROGATE ELITE Surrogacy Care benefits.
  • Access to benefit plan requires underwriting approval
  • Generous Refund Policy (see below)

Transfer to New Surrogate:

$350 Fee to transfer to a new surrogate. The policy will continue as stated if the transfer is unsuccessful due to miscarriage or loss of pregnancy.

Details:

Maximum: 500,000 (any one pregnancy and in the aggregate)
In-Patient Bed Rest: $1,000 per day up to 30 days (any one pregnancy, pre-authorization required)
Embryo Splits/Twins: $50,000 total.
Fetal Ultrasounds: Limit six per pregnancy.
Fetal NST’s: One per week for singleton, two per week for twins* after 32 weeks gestation. Prior to 32 weeks based upon med. necessity.

Criteria:

  • Surrogates between the ages of 21 and 40; individual applicants greater in age may be eligible at policy terms to be agreed upon.
  • The application form was satisfactorily completed (including Physician Medical Authorization).
  • The gestational surrogate has no adverse medical conditions and/or known or existing and/or prior medical conditions that may be cause for concern of any medical complications related to the maternity and childbirth.
  • Medical services are to be provided in the United States.
  • Pre-certification of surrogate’s maternity, pregnancy, and childbirth-related medical services.
  • Surrogates must have no more than three previous cesarean sections.
  • Surrogates must have no more than four previous pregnancies.
  • No prior history of pre-eclampsia.
  • No prior history of hypertension or pregnancy-induced hypertension requiring hospitalization.
  • No prior history of diabetes or gestational diabetes.
  • No prior deliveries earlier than six (6) months prior to embryo transfer.

Due Upon Match
with Surrogate

This fee is to review costs associated with your requested hospitals. It also consists of a current health insurance review. *Non-Refundable

Once Surrogate Medically
Cleared by IVF Physician

This fee is paid to facilitate the management of your case through the entire pregnancy until three months post-birth.

SURROGATE ELITE Tier Breakdown:

Payment 1:

1st 50% due within 5 days of confirmation of pregnancy.

Bronze: $9,400

Silver: $10,400

Gold: $11,400

Platinum: $15,000

Payment 2:

Final 50% due 12 weeks post embryo-transfer.

Bronze: $9,400

Silver: $10,400

Gold: $11,400

Platinum: $15,000

All in Total:

*All in total includes the application review ($500) and service fee($4,500).

Bronze: *$23,800

Silver: *$25,800

Gold: *$27,800

Platinum: *$30,000

  • $1,500 non-refundable in all cases.
  • $5,000 total becomes non-refundable once confirmation of heartbeat occurs.
  • The Intended Parents must become an association member to access SURROGATE ELITE Surrogacy Care benefits.
  • Access to benefit plan requires underwriting approval
  • Generous Refund Policy (see below)

Transfer to New Surrogtae:

$350 Fee to transfer to a new surrogate. The policy will continue as stated if the transfer is unsuccessful due to miscarriage or loss of pregnancy.

Details:

Maximum: 500,000 (any one pregnancy and in the aggregate)
In-Patient Bed Rest: $1,000 per day up to 30 days (any one pregnancy, pre-authorization required)
Embryo Splits/Twins: $50,000 total.
Fetal Ultrasounds: Limit six per pregnancy.
Fetal NST’s: One per week for singleton, two per week for twins* after 32 weeks gestation. Prior to 32 weeks based upon med. necessity.

Criteria:

  • Surrogates between the ages of 21 and 40; individual applicants greater in age may be eligible at policy terms to be agreed upon.
  • The application form was satisfactorily completed (including Physician Medical Authorization).
  • The gestational surrogate has no adverse medical conditions and/or known or existing and/or prior medical conditions that may be cause for concern of any medical complications related to the maternity and childbirth.
  • Medical services are to be provided in the United States.
  • Pre-certification of surrogate’s maternity, pregnancy, and childbirth-related medical services.
  • Surrogates must have no more than three previous cesarean sections.
  • Surrogates must have no more than four previous pregnancies.
  • No prior history of pre-eclampsia.
  • No prior history of hypertension or pregnancy-induced hypertension requiring hospitalization.
  • No prior history of diabetes or gestational diabetes.
  • No prior deliveries earlier than six (6) months prior to embryo transfer.

other benefits:

NO Balance Billing

Balance billing is when a provider bills you for the difference between the provider charge and the amount your surrogacy insurance is willing to pay. For example, if the provider’s charge is $1000 and the allowed amount is $700, the remaining $300 is charged to you. There is no balance billing with SURROGATE ELITE!

Open Enrollment 365 Days a Year

No need to wait until the “open enrollment period.” You can sign up for the plan all year long. Enrollment is for the pregnancy, not the calendar year. The program does not change on January 1st.

Does not Change
on January 1st

Unlike many ACA Policies SURROGATE ELITE Surrogacy Care does not change on January 1st. Enrollment is for the pregnancy, not the calendar year. The plan does not change on January 1st.

Guaranteed for Surrogacy

Unlike many ACA plans available, SURROGATE ELITE was explicitly made for gestational surrogacy. ACA plans can and have changed on January 1st following open enrollment and excluded surrogacy.

Downloadable Phone App

To help keep all parties informed on essential aspects of the process. The phone app will allow parties to access important plan details and documents. It can easily be found in the Android and App stores.

Concierge Service

Assists the Surrogate with any benefits questions, can help the Surrogate find a physician, schedule appointments, and direct Surrogates to the cost containment tools as applicable by calling a multi-lingual toll-free number 24/7.

 

other benefits:

NO Balance Billing

Balance billing is when a provider bills you for the difference between the provider charge and the amount your surrogacy insurance is willing to pay. For example, if the provider’s charge is $1000 and the allowed amount is $700, the remaining $300 is charged to you. There is no balance billing with SURROGATE ELITE!

Open Enrollment 365 Days a Year

No need to wait until the “open enrollment period.” You can sign up for the plan all year long. Enrollment is for the pregnancy, not the calendar year. The program does not change on January 1st.

Does not Change
on January 1st

Unlike many ACA Policies SURROGATE ELITE Surrogacy Care does not change on January 1st. Enrollment is for the pregnancy, not the calendar year. The plan does not change on January 1st.

Guaranteed for Surrogacy

Unlike many ACA plans available, SURROGATE ELITE was explicitly made for gestational surrogacy. ACA plans can and have changed on January 1st following open enrollment and excluded surrogacy.

Downloadable Phone App

To help keep all parties informed on essential aspects of the process. The phone app will allow parties to access important plan details and documents. It can easily be found in the Android and App stores.

Concierge Service

Assists the Surrogate with any benefits questions, can help the Surrogate find a physician, schedule appointments, and direct Surrogates to the cost containment tools as applicable by calling a multi-lingual toll-free number 24/7.

 

Is there any balance billing like other surrogate-specific plans?

No.

What is my deductible for this plan?

Nothing, there is no deductible for this plan.

Is this plan transferrable if I change my surrogate during the process?

Yes, there are some restrictions as to time and if new surrogate qualifies.

What is the Concierge Service?

Plan Concierge Service provides many different benefits including but not limited to finding a physician, scheduling appointments and speaking with our online nursing staff.

What if my surrogate gets put on in-patient physician-ordered bed rest?

The plan covers 30 days of in-patient bed rest.

Will I have co-pays for this Surrogate Maternity Liability Plan?

No.

What if my surrogate loses the pregnancy, will I get a refund?

Yes, depending on where in the pregnancy the surrogate was and according to refund policy.

Do I have to pay extra for the phone application?

No, the app is free to all plan participants.

Will I have to pay for prescription drugs?

No, tier 1-3 drugs are included in your policy.

Will I be able to see the details of my surrogate’s medical appointments?

Yes, as long as your surrogate signs our HIPAA waiver and allows you access to the online portal to see details.

Quick links to our Searchable Database of Industry Professionals:

Sage Footer Buttons Egg Donation Agencies
Sage Footer Buttons Surrogacy Agencies
Sage Footer Buttons IVF
Sage Footer Buttons Attorneys
Sage Footer Buttons Trust and Escrow Services
Sage Footer Buttons Psych
Sage Footer Buttons Egg Donation Agencies
Sage Footer Buttons Surrogacy Agencies
Sage Footer Buttons IVF
Sage Footer Buttons Attorneys
Sage Footer Buttons Trust and Escrow Services
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Legal Disclaimer: The participant understands that Association has no control or oversight over the services provided to the Participant by any vendors associated with the Association member benefits platform. Sage has secured these vendors as independent third parties, and Sage does not warrant or guarantee their services, nor does Association accept any liability for any damages possibly incurred by the Participant in working with any of the Association’s vendors.  

*SURROGATE ELITE Not available in all states at this time.