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In the face of a clear exclusion like this, an intended parent can certainly not rely on the surrogate's insurance coverage and will either have to find alternative coverage for the surrogate, pay all of the medical expenses for the pregnancy out-of-pocket, or find another surrogate.


More often, however, policies have uncertain or ambiguous definitions or terms that, depending on how they are interpreted, may or may not exclude a surrogate pregnancy from coverage. Examples would be policies that simply state that there is no coverage for "a surrogate mother" (which might mean only that an insured can't obtain coverage for using a surrogate to have a child) or that an eligible dependent only includes "a natural biological child" (which may or may not cover a child to whom a surrogate gives birth but to whom she is not genetically related). In these instances, careful and discrete inquiries need to be made of the insurance carrier in order to determine the exact intent of the ambiguous provisions, as best as possible, while not unnecessarily alerting the insurance company that one of its insureds is planning to become a surrogate mother. Nevertheless, the result of the inquiry may not be entirely clear, and the intended parents may still be


subject to a moderate to significant risk of no coverage. Whether they are willing to assume this risk varies from parent to parent.


or terms that, depending on how they are interpreted, may or may not exclude a surrogate pregnancy from coverage.


More often, however, policies have uncertain or ambiguous definitions


Finally, there are some group policies that have no express exclusion or definitions that obscure the nature or extent of coverage. This is the best scenario for an intended parent, but it is still not a guarantee that the insurance company will not attempt to deny coverage. The good news is that, without an express exclusion, the insurance company may (or may not) lose any appeal for benefits that the insured initiates, and the pregnancy expenses may very well be covered; the bad news is that the insurance company can still deny coverage even without an express exclusion and force the time and expense of an administrative appeal in order to obtain coverage. This does not usually happen, but it can.


Because surrogacy is still a developing area of the law, the terms of the applicable insurance policy are not the only factors to be considered in determining the likelihood of appropriate insurance coverage in a particular case. One must also be aware of and evaluate the developing court cases that are being decided, not only in the jurisdiction where the


THE RESOURCES LISTED IN THIS DIRECTORY ARE UNSCREENED AND SHOULD NOT BE VIEWED AS RECOMMENDATIONS OR ENDORSEMENTS, EITHER EXPRESS OR IMPLIED, BY THE AFA. 103


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