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What you need to know about surrogacy insurance liens
We’re on the heels of another Affordable Care Act (ACA) open enrollment period. Open enrollment starts November 1st and closes January 15th. Missing this window makes it tough to get a good policy for surrogacy if you need one.
Does your surrogate need surrogacy-friendly insurance?
Now’s the time to find her a plan.
If you’re taken our Surrogacy Blueprint course, done your research, or have a stellar agency, then you’re probably waiting for this time.
But here’s the catch: not all insurance is suitable for surrogacy.
Some plans come with hidden restrictions called liens. Surrogacy insurance liens might cost you an extra $40,000 or more!
In the worst-case scenario, you could pay double your surrogate’s compensation.
As more insurance companies add these surrogacy insurance liens, this problem is growing. If you’re entering open enrollment hoping to find the right plan, you need to listen up.
Today we’re sitting down with Sarah Paige from ART Risk to for expert tips on what these liens really mean for your surrogacy experience
05:29 How the risks of different insurance effect you
12:28 What happens if you don’t tell insurance about surrogacy
19:37 If you find lien language, then this type of plan may be better
22:44 The difference between “compensation” and “reimbursement” in the eyes of insurance
27:47 How to challenge and negotiate liens
Don’t let hidden costs and liens derail your plans. Listen to this episode for essential guidance and expert advice going into ACA open enrollment period
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Dr. Alyssa Small Layne is a board-certified OB/GYN and minimally invasive gynecologic surgeon, but more importantly, she's someone who truly gets the surrogacy journey. After navigating her own struggles with fibroids, infertility, and surrogacy, she founded JUNIE to make the process easier and more accessible for intended parents.
On Surrogacy Made Simple, Dr. Layne brings her medical expertise and personal experience together to break down surrogacy in a clear, honest, and supportive way—so you can feel confident and informed every step of the way.
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