保险雷区提示

保险雷区提供

 http://www.yulane.org/counsel/Documents/LloydsGUARANTEEDFIXEDPREMIUMPLAN.pdf

简单介绍

代孕妈妈的医疗费用和保险费用很高，玉兰的服务特色是提供相对比较低的费用，原因是玉兰拥有自己的生殖医学研究所，代孕筛查机构和法律服务中心，和玉兰保险服务政策，这样费用就一样在降低了大概同类服务的70%。但是代孕妈妈的费用和代孕妈妈生产医院的费用是每个客户无法控制的。代孕们妈妈的费用大概在2万美元-3万美元之间，妇产医院的费用大概在2万美元，玉兰的代孕妈妈在这个阶段发生的费用通常是由玉兰保险政策支付和保险公司联合支付的。根据美国各个州的具体情况，代孕妈妈的保险公司通常是不许可代孕妈妈的保险为代孕需要求方支付任何医疗费用的。但是有些州除外，保险是根据保险公司在每个州的政策均不一致，保险公司在制定保险政策是根据这个州的具体法律制定代孕妈妈保险政策。玉兰的代孕保险政策是与相关的保险机构合作制定的，因此如果客户使用玉兰代孕妈妈，代孕妈妈的全部医疗费用均由玉兰保险政策支付。

Surrogate Maternity Medical Plan Summery of Benefits

Comparison of benefit packages offered through New Life Agency.  The policies are underwritten by Lloyds of London, the only insurance company offering policies specifically for Intended Parents to cover the cost of surrogacy. I will outline two plans, the Platinum plan and the Comprehensive Platinum plan, and give my reasons for the one I am recommending. I feel it is beneficial to view them both so have a better understanding of the value added with the Comprehensive Platinum Plan.

Prices are for surrogates under the age of 35 yrs. As long as doctors and hospitals within their network are used the coverage is 100%. If doctors or hospitals outside their network are used, coverage will be 70%. I can provide complete lists of the providers upon request via web link.

The policies cover all expenses associated with maternity care and delivery, including complications up to $500,000 and $50,000 of hospital bed rest if prescribed. No coverage is provided on either policy for PGD or IVF costs.  Policies pay for up to 4 ultra sounds.  Additional ultra sounds are only covered if determined to be medically necessary by the doctor.

A refund of any unused deductible will be refunded 6 months after the delivery. Account ledgers are available for viewing to see actual charges. Once the deductible is used up, the insurance will start to pay the claims. Deductibles need to be funded by the 6 week ultrasound.

Policies remain in effect up to 18 months after the 6 week ultra sound. The above information applies to both policy types illustrated below. These policies cover no pre-existing conditions.

                                                Platinum Plan                                   Comprehensive Platinum Plan

Enrollment Fee                $  1,050                                                 No enrollment Fee

Premium                           $10,900                                               $16,750

Deductible                        $15,000 – single/$30K twins           $15,000 - singleton/ $30K – twins

Total Cost                         $26,950 / $41,950 for twins          $31,750 / $46,750 for twins

Platinum Plan

Situation A: After satisfying the above premium requirement; if a pregnancy is never confirmed the IP will receive a 100% refund of the premium paid less a $750 broker fee.

Situation B: If loss of pregnancy occurs prior to the surrogate being transferred to the OB doctor, a 90% credit can be applied to a new policy. The IP just needs to pay 10% back, replenishing the policy in the amount o f $1,090.

Situation C: If loss of pregnancy occurs after the surrogate has been transferred to the OB, the policy is considered fully funded and the IP will not get any refund on the Premium.

Platinum Comprehensive Plan

This plan has a guaranteed fixed premium until you reach a successful pregnancy up to 26 weeks including multiple cycles.

Situation A: After satisfying the above premium requirement; if a pregnancy is never confirmed the IP can use the same surrogate again with no additional fee. The same policy continues, or a refund of 100% of the premium can be issued less the $750 broker fee.

Situation B: If loss of pregnancy occurs prior to the surrogate being transferred to the OB doctor, the IP’s can use the same surrogate again with no additional fee. If the IP wants to change to a different surrogate, a new application will be completed tying the IP to a new surrogate. The new surrogate will need to go through the same underwriting process as the first one, no additional fee.

Situation C: If loss of pregnancy occurs after the surrogate has been transferred to the OB before 26 weeks, the process can begin again.

Surrogate Accidental Death: Can be purchased for $595, combined limit of $350,000. Benefit pays $250,000 to the surrogates beneficiaries and $100,000 to the IP’s as beneficiaries. The IP’s are considered beneficiaries in order to cover any out of pocket expenses they have incurred in the surrogacy process.

Although the initial cost is greater for the Platinum Comprehensive plan, the risk free guarantee can save hundreds of thousands of dollars in costs for repeated cycles and complications. I believe this is the better choice for all parties involved.

Additional plans are available for back up insurance and newborn medical insurance. Backup insurance is if the surrogate already has insurance that will pay for the pregnancy but then her insurance company backs out and denies the claims (this is typical) the backup policy will take effect immediately. If it is never needed there is a refund. The newborn policy covers the newborn immediately after the delivery up to $100,000. More information on this can be cover at a later date.

在代孕相关(不含捐卵)的保险中, 一共有三类保险需要考虑:

1. 代孕妈妈的人寿保险: $595
2. 代孕妈妈怀孕和生产期间的保险: $1200 – $10,000, 这个与代孕妈妈自身有什么样的保险有很大的关系
3.  第三个保险跟代孕妈妈没关, 但是跟新生儿有关, 因为新生儿很可能刚出来很弱,有黄疸等等,  或者早产, 还有初期的疫苗, 看儿童医生等......在第6周B超确认怀孕时就要买的, 最高$10500, 不知加州月子中心如何处理.

保险金额需要客户直接支付给保险公司，不能由中间机构转付.

玉兰美国代孕套餐89万包成功简介地址 http://www.yulane.org/counsel/Documents/520_玉兰美国代孕套餐89万包成功简介.pdf