Members can log in and access their SURROGATE ELITE Portal using the following button. This will give them access to claims and documents, as well as other important information that they would need access to.
Members can log in and access their SURROGATE ELITE Portal using the following button. This will give them access to claims and documents, as well as other important information that they would need access to.
To participate in the Association’s SURROGATE ELITE “Your Choice” Surrogacy Care, surrogates must pass a full screening performed by their IVF Physician. Some of the factors we consider are the Surrogate’s age, BMI, previous deliveries, and pre-existing medical conditions/complications. All potential SURROGATE ELITE candidates must submit all pregnancy and birth medical records for each birth to be reviewed before acceptance. Please contact us for how to submit your records.
SURROGATE ELITE covers a wide variety of services, including hospital room and board, emergency care, urgent care, physician services, primary care, diagnostics, lab work, and more. Please see the plan document for specific details.
Applications can be submitted to Sage for review during the contract phase but will not become effective until pregnancy is confirmed by a heartbeat ultrasound confirms pregnancy.
The surrogate submits her application. In some instances, the agency may also do it on behalf of the Surrogate.
Sage will accept applications on its standard application form as seen at this link or via email.
Once all documentation, including all medical records, has been submitted the standard approval time is 3-5 business days.
Yes. Many factors could cause a surrogate to be denied, but normally if your IVF doctor signs the release that she is fit to become pregnant. If she passes the medical records review of her past pregnancies and births, there should not be a problem.
Yes. We suggest applying as soon as possible, but no sooner than 30 days prior to the gestational contract signing.
Yes, we will need all records from each pregnancy and birth.
There are no application fees for applying for SURROGATE ELITE “Your Choice” Surrogacy Care. Turning in applications early and correctly filled out will ensure a timely response from Sage underwriters.
Payment for participating in SURROGATE ELITE “Your Choice” Surrogacy Care is due by or within five (5) days of pregnancy confirmation by fetal heartbeat. Payment for the covered medical benefit is due before the effective date of coverage. Payments are considered as paid when confirmed received by Sage or Sage’s agent.
$30,000 Singleton
Twin pregnancies costs are Fifty Thousand Dollars ($50,000.00)
No. There are zero co-payments, zero deductibles, no balance billing, and no liens.
Yes, her card will be sent within 3-5 business after acceptance.
Yes, please call our help desk at 888-562-BABY (4784)
Yes, each agency will be given access to the online portal that shows all of your current surrogates and the details of their cases.
Yes, all Surrogates must sign a HIPPA Release Form allowing their Intended Parents access to their personal health information. Sage requires one specifically for SURROGATE ELITE “Your Choice” Surrogacy Care application. It is located at www.SageFamilyAssociation.com/downloads/
Yes.
Yes. Sage will reach out to the hospital to negotiate a rate.
Yes.
Yes. Five Hundred Thousand Dollars ($500,000.00) for any one pregnancy and the aggregate.
Medical Expenses incurred above these limits remain the personal responsibility of the Member Intended Parents.
Sage International Family Association is dedicated to partnering with agencies, clinics, and attorneys to best help provide our members the benefits they deserve. By working as a team, all entities will ensure the finest member care available.
YES. The Intended parents are required to be Members of the Association to receive this member benefit.
Intended Parents should join the association today to start receiving helpful information about the third-party assisted reproduction journey they are about to embark upon.
Sage International Family Association’s purpose is to provide member benefits related to assisted reproduction and its ancillary fields. The fee for the Intended Parents is Ninety-Nine Dollars ($99.00) for a “Lifetime Family Membership.”
No, the intended parents will only be required to join the association. The fee is $99.00 for a “Lifetime Family Membership.”
Yes, we encourage all agencies to join with a business membership to receive all of the benefits of our members.
Sage International Family Association is a member-driven organization and would benefit their agency by being placed in front of a target group of potential customers and gestational surrogates.
Business memberships are FREE!
Yes. Both agencies and industry exclusive professionals are joining the association every day.
All industry professionals, such as clinics, mental health professionals, trust/escrow services, and attorneys.
Yes. Please speak with your advisor about this.
24-48 hours.
There is not an Open Enrollment, we accept applications all year long.
All-Inclusive.
Yes, you can find it here.
No, you can request medical / birth records from your OB and hospital at any time.
If there is a loss of the pregnancy by the Surrogate solely due to miscarriage (spontaneous abortion) during the period of gestation of the surrogate fetus and the Member does not desire to continue with their Surrogate or another replacement Surrogate, this Plan shall terminate, and a refund of the remaining Advanced Deposit shall be returned to the Members in accordance with the following refund schedule show in the next drop down.
| Period of Gestation | Refund Percentage |
| Weeks 1 to 5 | 100% of remaining balance |
| Weeks 5 to 20 | 75% of remaining balance |
| Weeks 21 to 25 | 33% of remaining balance |
| Weeks 26 to 30 | 10% of remaining balance |
| Weeks 31+ | 0% of remaining balance |
No, as long as the complications are due to the surrogate pregnancy and birth and under the Five Hundred Thousand Dollar ($500,000.00) cap.
As a Member, Intended Parents are not required to do anything additional.
No. The baby is covered in utero only. All coverage is designed around the Gestational Surrogate. Intended Parents, will need to seek coverage elsewhere for the baby.
If Member chooses to work with a replacement Surrogate, the payment/s are fully transferrable as a credit to initiate coverage for the replacement gestational surrogate. In these circumstances, Sage will calculate any amounts of coverage that have been paid to medical providers, and Members will be required to reimburse Sage those amounts to provide coverage to the replacement surrogate. All replacement surrogates are subject to Sage’s approval and must go through underwriting.
It does not cover payments made to the Surrogate for such a loss. It does cover the medical expenses if it is determined it is pregnancy related. Must be pre-authorized.
No. The coverage is intended to cover pregnancy-related medical expenses.
The following FAQs will answer a Surrogate, or potential Surrogate’s, questions about our SURROGATE ELITE “Your Choice” Surrogacy Care.
YES and NO. Medi-Cal insurance does not have a surrogacy exclusion so if the surrogacy is truly altruistic (there is no compensation paid to the surrogate,) and the current insurance does not exclude a surrogate pregnancy, then Medi-Cal might be appropriate to use.
If the surrogate is to be compensated, then disenrolling from Medi-Cal would be required.
SURROGATE ELITE “Your Choice” Surrogacy Care is a separate program not intended to replace your existing health insurance permanently. Your membership with the association will expire 90 days after the baby’s birth.
The SURROGATE ELITE “Your Choice” Surrogacy Care is not intended or to be used as a permanent stand-alone coverage to replace traditional health insurance.
NO. You can rest assured that you’re covered. Additionally, Sage International Family Association does not place liens or conduct balance billing practices.
Surrogates will give their medical benefits Card to their provider. If a bill is received, the surrogate can log into her account at https://Gateway.EdisonhealthEHS.com and upload the bills.
Pharmaceuticals Tier 1-3 are covered at No Charge with participating pharmacies.
Yes, if it is medically advised.
No. The surrogate can request a specific hospital as Sage has over 2,000 hospitals and medical facilities currently partnered with. However, there is no guarantee that their request will fall within our network.
Yes. If authorized by a Physician and/or Association, if it is determined to be Medically Necessary or appropriate to the treatment related to Maternity or Childbirth as determined by Sage. This includes but is not limited to breast-feeding related equipment and supplies.
Acupuncture – Only covered if medically necessary due to pregnancy (Must be pre-Authorized)
Physical Therapy (Includes Message Therapy) – Only covered if medically necessary due to pregnancy – Must be Pre-Authorized – Maximum of 12 visits.
Doctors and hospitals will bill directly to Sage International Family Association.
No. Under the Sage Association, we do not employ the practice of Balance Billing or Liens.
Yes, you can log into your portal here to see if the bill in question has been paid.
Yes. If the procedures/service occurred within the coverage period.
Our YouTube Channel offers numerous videos to help you learn about the information we discuss on our website.
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.
