Cost Considerations for Dads to Be

Cost Considerations for LGBTQ Dads

As you begin to think about building your family and becoming a dad, one of the first questions that comes up is financing — how much is this going to cost? Is your insurance going to cover this, and if not, what resources are there to tap into? At Gay Parents To Be, we understand that this is a big hurdle for many hopeful dads. Our team is here to help you overcome it.

After your initial consultation, your dedicated Insurance and Billing Advocate will reach out to you to discuss your personal coverage, do a benefits check, and explain the financial plans that we offer. Although insurance coverage and the cost of each journey varies from patient to patient, we’ve compiled a list of frequently asked questions and answers to help you get started.

Cost Considerations for Dads to Be
  • I’ve just started thinking about building my family. What is the first step I should take in regards to financial planning and understanding insurance coverages?

    The best way to verify your own coverage is always going to be to call the number on the back of your insurance card, but some things that may be covered by insurance are:

    • Initial consultation
    • Bloodwork
    • Semen Analysis
    • Genetic carrier screening
  • I know my biological family building pathway is going to involve an egg donor and a surrogate – will my insurance cover this?

    Insurance policies are all different, and again – the best way to know understand your benefits is to call your insurance company directly. However, a growing number of companies offer surrogacy benefits for the LGBTQ community. There may also be an opportunity for reimbursement for a surrogacy cycle.

  • What questions should I ask when I call my insurance company?

    Be sure to ask what fertility coverage is offered on this plan. In addition, it’s important to ask:

    • Is your egg donor’s medical screening, retrieval, cycle monitoring, or medication covered on this plan?
    • For your gestational carrier, is there any coverage for screening, cycle monitoring, medication, or frozen embryo transfer?

    And remember — your financial advocate at Gay Parents To Be can help you understand your costs and coverage.

  • If my company offers IVF or surrogacy benefits for women, will they reimburse me for a surrogacy journey as a dad to be?

    This is a complex question, and a great one to ask of your H.R. department. You may be able to provide documentation to support your claim, but this would be on a case by case basis.

  • Are there any insurance companies that offer insurance benefits for LGBTQ individuals and couples?

    Companies such as Progyny offer coverage for dads to be, including some components of an IVF and surrogacy journey. And don’t worry, many dads to be have a primary insurance carrier, as well as their Progyny policy. You can learn more here.

  • Are there additional costs that I’m going to need to budget for?

    The costs paid to and through your surrogacy agency and/or reproductive attorney are not covered by insurance – these vary based on the services provided and the agency you choose. Additionally, many dads cover travel costs and expenses incurred by their gestational carrier related to the pregnancy — such as prenatal vitamins. If your surrogate does not live in your local area, travel

  • What financial plans are offered through Gay Parents To Be?

    Through Gay Parents To Be we offer The Surrogacy Plan and The Surrogacy Plan Plus. Your financial and billing advocate can explain both plans, and help determine which is best for your journey.

cost questions

What are the costs if I work with Gay Parents To Be?

The costs of your journey will depend on your insurance coverage and your personalized plan for family building, which your care team will help you assemble after a consultation and a fertility assessment.
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