Health Insurance Coverage for Surrogacy by State.

Currently, there are only 6 states that mandate insurance coverage for surrogacy:

California, Connecticut, Illinois, Maryland, New Jersey, and New York.

Below are further details regarding the maximum coverage amounts for surrogacy in each state:

  • California: The maximum coverage amount for surrogacy in California is $150,000 per arrangement, with no lifetime maximum.
  • Connecticut: coverage in Connecticut is capped at $100,000 per arrangement, with no lifetime maximum.
  • Illinois: TThe maximum coverage amount for surrogacy in Illinois is $150,000 per arrangement, with no lifetime maximum.
  • Maryland: Surrogacy coverage in Maryland is limited to $100,000 per arrangement, with no lifetime maximum.
  • New Jersey:The maximum coverage amount for surrogacy in New Jersey is $150,000 per arrangement, with no lifetime maximum.
  • New York: Surrogacy coverage in New York is capped at $150,000 per arrangement, with no lifetime maximum.
 

It is important to note that these are just the maximum coverage amounts that insurance companies are required to pay for surrogacy. Some insurance companies may choose to pay more than the maximum amount, and others may choose to pay less. It is also important to note that these maximum coverage amounts may change in the future.

If you're contemplating surrogacy, it's crucial to discuss the procedure's coverage with your insurance company. You should also talk to your doctor about the costs of surrogacy and how you can maximize your coverage.

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