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Posted by Surrogatetiel on March 20, 2015  /   Posted in Uncategorized

 

It’s Time to Bring Your Baby Home!

Welcome!
Surrogate Steps is a surrogate mother program that specializes in screening, matching, and bringing together Surrogate Mothers and Intended Parents. We take pride in helping all family types around the globe grow by means of surrogacy and assisted reproductive technology. We work together with a team of specialists nationally and internationally, including attorneys, psychologists, and social workers, to guide you every step of the way throughout your surrogacy journey.The Intended Parents that we work with are compassionate individuals who are dedicated to achieving their dreams and building their family through surrogacy. All of our Surrogate Mothers are compassionate women who appreciate the significance of giving the gift of life and assisting in building a family by means of assisted reproductive technology.

We are honored to work with all of our Intended Parents and Surrogate Mothers and we look forward to taking the surrogacy journey with you!

Surrogacy Cost and Health Insurance By Yifat Shaltiel (Published by Building Your Family national magazine)

Posted by Surrogatetiel on November 20, 2014  /   Posted in Media & News

Media & News

Surrogacy Cost and Health Insurance

surrogacyHow to ensure that the gestational carrier’s pregnancy will be covered.

Published by Building Your Family Magazine

By Yifat Shaltiel, Esq.
November 2014

The total cost of surrogacy can range from $50,000 to more than $100,000, so cost is a key concern when choosing this route. One of the largest variables, and an expense that has seen significant change recently, is health insurance for the gestational surrogate.

Surrogacy health insurance options

It used to be common for insurance providers to restrict or deny maternity coverage for surrogate pregnancies. The Affordable Care Act (ACA) now mandates that maternity care be covered by qualified health insurance plans as an “essential health benefit.” However, non-qualified plans, such as self-funded nonfederal governmental plans, union, and some individual carriers as well as some small group plans, may opt to exclude maternity coverage and/or surrogacy-related maternity care. Some plans may also include language that designates intended parents as the responsible parties for surrogacy-related maternity costs. Therefore, it is important to consult a reproductive law attorney or a qualified insurance broker specializing in insurance for reproductive medicine to review the surrogate’s health plan.
If a surrogate does not have coverage or has a plan that excludes surrogacy, intended parents may opt to pay the full costs of the pregnancy and delivery, may use a financial case manager, or may negotiate rates as self pay with all providers. According to a 2013 study by the Truven Health Analytics, the average cost of a non-complicated pregnancy and delivery without insurance is $22,000. However, the complexity of a pregnancy and delivery cannot be predicted and the medical costs associated with a high risk pregnancy can exceed $100,000.

Intended parents may also purchase surrogacy insurance. These policies can be costly, with premiums of approximately $10,000 and deductibles that can start at $15,000 for a singleton pregnancy and $30,000 for two fetuses.

An alternate and more affordable option is to purchase, through the ACA-based insurance exchanges or private insurance companies, an individual plan that may cover the surrogate’s maternity care. The premiums typically range from $300 to $500 per month. Some plans do not have a deductible and all are mandated to cover certain preventative health services, such as screening for gestational diabetes. Out-of-pocket costs for a pregnancy under an individual plan cannot exceed $6,350 for in-network covered services. However, IPs must not neglect to have these plans reviewed to ensure that there is no language excluding surrogate pregnancies.

Navigating ACA enrollment periods

Individuals can purchase health insurance only during an open enrollment period. The open enrollment period for 2015 runs from November 15, 2014 through February 15, 2015. You may sign up during a non-enrollment period if there is a “Qualifying Life Event,” such as marriage, divorce, the birth or adoption of a child, a move, a change in employment status, or the loss of other health care coverage. Pregnancy is not considered a qualifying life event, so it is important to ensure that proper health insurance is secured prior to proceeding with a surrogate.

Deciding on back-up coverage

Even in cases where a surrogate’s health plan is believed to cover a surrogacy pregnancy, some professionals will recommend that intended parents purchase a secondary, or back-up, insurance policy. These policies provide intended parents with the assurance that the surrogacy-related maternity costs will be covered in the event that the surrogate’s primary insurance provider refuses to pay. Secondary plans can be as costly as surrogacy insurance. If the primary insurance covers everything and the back-up insurance is never used, many of these plans offer a refund of 50 percent or more of their total payment or charge only a minimum premium.

http://buildingyourfamily.com/surrogacy/surrogacy-health-insurance-costs/

Yifat Shaltiel featured as a reproductive law expert in Expert Webinar: Becoming a Parent Through Surrogacy

Posted by Surrogatetiel on September 19, 2014  /   Posted in Media & News

Media & News

View Expert Webinar: Becoming a Parent Through Surrogacy

With Yifat Shaltiel, Esq. and Building Your Family Magazine
September 30, 2014

Before embarking on a surrogacy journey, intended parents will have a lot of questions. How do you get started? How much does surrogacy cost? Is surrogacy allowed in my state? What’s involved with working with a carrier in another country? Will insurance cover the surrogate’s pregnancy? How do I find a surrogate? View webinar with assisted reproduction attorney Yifat Shaltiel, Esq. to get answers to all these first questions about surrogacy.

Click Here to View Expert Webinar

Surrogacy Insurance Coverage By Yifat Shaltiel

Posted by Surrogatetiel on February 28, 2014  /   Posted in Media & News

Media & News

Surrogacy Insurance Coverage in 2014

Published by CNY Fertility Center

By Yifat Shaltiel, Esq.
February 28, 2014

Infertility has been classified as a disease by a number of organizations, including the American Society for Reproductive Medicine (ASRM) and RESOLVE: The National Infertility Association.  However, insurance providers do not consider infertility as a disease and therefore do not consistently cover fertility treatments, leaving most infertility patients with no choice but to pay out-of-pocket for expenses including in-vitro fertilization (IVF).

Once a couple conceives, medical insurance policies cover prenatal care and birth related expenses for infertility patients as they would for any other pregnancy.  However, some couples will turn to surrogacy for a gestational carrier to carry their child.  Regardless of whether the gestational carrier is compensated or not, some insurance providers in the past contained a “surrogacy exclusion” clause in their policies.  This term means that although these insurance providers typically cover pregnancies, they will not cover a pregnancy if the woman who is carrying the child is a surrogate for another individual or couple.

Lack of insurance coverage for a surrogacy pregnancy is very costly and risky for intended parents.  For example, if a surrogate experiences a high risk pregnancy with twins who are born premature via a caesarian section, the intended parents’ out-of-pocket costs can easily exceed $100,000.  While intended parents typically have other insurance coverage choices such as purchasing a surrogacy insurance plan, such plans can be very expensive, and can carry a deductable of $15,000.

The good news is that as of January 1, 2014 insurance providers may potentially be in violation of federal law if they implement a surrogacy exclusion clause in their policy.

The Affordable Care Act (ACA) mandates that certain conditions that are categorized as “essential health benefits” must be covered by insurance providers. The ACA specifically lists certain conditions that are essential health benefits, which include maternal and newborn care.  This means that as of January 1, 2014 all pregnancies must be covered.

The ACA further specifies that insurance providers cannot impose any preexisting condition exclusions. Moreover, if insurance providers continue to discriminate against the infertility community for building their family through a surrogate, such discrimination can be viewed as discrimination based on a pre-existing condition, which is a violation of the ACA.

While surrogacy pregnancies should be covered by every insurance provider, in accordance with the ACA, there is no guarantee that every insurance provider will comply with the mandates of the ACA.  Furthermore, although insurance providers may state that they cover all pregnancies, including a surrogacy pregnancy, some providers may still try to hold other parties liable, such as the intended parents, for the maternity care costs, including pregnancy care and all costs associated with the delivery.  For these reasons, before couples proceed with a surrogate, it is crucial that a Reproductive Law attorney is consulted to ensure that couples will not be liable for the costs of their surrogacy pregnancy.

http://cnyfertility.com/2014/02/28/surrogacy-insurance-coverage-in-2014-by-yifat-shaltiel-esq/

Egg Donation Takes Legal Planning By Yifat Shaltiel

Posted by Surrogatetiel on September 27, 2013  /   Posted in Media & News

Media & News

Egg Donation Takes Legal Planning

Published by CNY Fertility Center

By Yifat Shaltiel, Esq.
September 27, 2013

If you have made the decision to grow your family using egg donation, you are not alone. According to the Center for Disease Control (CDC), approximately 12% of fertility patients use donor eggs and embryos.

When it comes to choosing an egg donor, you may wish to proceed with an individual known to you, such as a relative or a friend, rather than an anonymous egg donor. If you choose to grow your family using a known egg donor, regardless of whether it is your relative or a friend, it is important that you enter into a written egg donor contract between you and the egg donor.  Having a written contract will ensure that you and your baby will be legally protected, that the egg donor gives up any right to children born from her eggs, and that everyone’s intentions and expectations are agreed to in writing. While everyone may get along very well right now, relationships between family and friends can become difficult and unique if a problem arises or if there are disagreements on issues that were not addressed prior to the egg donation procedure. This is why when it comes to egg donation, proper legal planning is crucial. To do this you will want to seek the assistance of an attorney who specializes in reproductive law.

There are a lot of issues that you will want to discuss with your reproductive law attorney and address in your egg donor contract. For example, one of the issues that you will want to consider in your contract is the risk that the egg donor takes throughout the egg donation process. It is very important that the egg donor understand that there are medical risks that accompany the egg donation process.  Perhaps a situation may occur where after the egg retrieval, or even years down the road, the egg donor develops an illness that can be linked to egg donation. It is important that these concerns are explained to the egg donor, that she fully understands the risks, and that you are relieved from liability in such situations.

To further protect yourself, you may want to look into obtaining an egg donor insurance policy.  Such a policy can protect against costs related to unforeseen events which may occur two or three months after the egg retrieval, or even immediately after the egg retrieval if the egg donor’s medical insurance refuses to cover such medical costs.

You will also want to clarify whether the donor will be compensated for the medical risk that she is taking in donating her eggs.  It is important to note that if you do compensate the egg donor for the risk that she is undertaking, she will be entitled to that compensation regardless of the outcome of the egg retrieval.  If she is compensated, then you will need to establish when compensation will be provided. Will she receive compensation the day of the retrieval? Will she receive her compensation in installment payments? Will she receive compensation a week after the retrieval? You will want to decide and include in your contract if she will be reimbursed for lost wages, daycare expenses, transportation expenses, and other expenses. You will also need to understand and state the tax implications of this compensation and who will be responsible for the payment of such taxes. Your attorney and a certified accountant will assist you in answering important questions, such as whether the compensated egg donor must receive a Form 1099 to use in her own tax return preparation, and whether the egg donor fees and expenses would be an allowable medical care expense under a flexible spending account.

While it is important to proceed with egg donation with the hopes of achieving a pregnancy and positive thinking, it is equally important that all issues relating to potential unused embryos resulting from the donor eggs are agreed upon prior to commencing the process. If there are embryos that will not be used by the intended parents, the intended parents will have several choices related to their disposition.  These include (1) discarding the embryos, (2) donating the embryos to medical research, or (3) donating the embryos to other recipients. It is important that the donor understand these choices and consent to the various methods of disposition.  For example, the donor may not consent to the embryos being donated to a third party.  It may not be the donor’s intention to donate her eggs to more than one recipient family.  Or the donor, based on her religious beliefs, may not consent to destroying or donating the embryos to medical research. It is critical that the donor understands all of these options, and that any decision relating to the disposition of unused embryos will solely be the decision of the intended parents.

Other issues that will need to be addressed are privacy and the degree of the future contact that the egg donor will have with any children born from her eggs. The donor must understand that she gives up any legal rights that she may have to any children born from her donated eggs. There are many questions related to this that you will want considered in your contract. For example, how involved will the donor be in the child’s life, if involved at all? Do you want the information that you used an egg donor to grow your family to remain private, or will you share this information with other friends and family members? Do you feel comfortable with the donor sharing this information on various social media outlets, such as Facebook? Will the child know that the egg donor’s children are his or her siblings? Will the egg donor be donating her eggs to other recipients? Will you be able to maintain information about all of the egg donor recipients or participate in a sibling registry? It is crucial that these questions are answered and agreed to in writing between you and the donor before you proceed with the egg donation process.

For these reasons legal planning is imperative if you are growing your family using an egg donor. An attorney specializing in reproductive law can assist you in thinking about the issues mentioned here, as well as other issues that should be included in your egg donor contract in order to protect your growing family.

http://cnyfertility.com/2013/09/27/egg-donation-takes-legal-planning-by-yifat-shaltiel-esq/

Are You My Mother? By Yifat Shaltiel

Posted by Surrogatetiel on August 02, 2013  /   Posted in Media & News

Media & News

Are You My Mother?

Published by CNY Fertility Center

By Yifat Shaltiel, Esq.
August 2, 2013

Choosing to pursue your dream of building a family through surrogacy can be a long journey.  To ensure a successful journey you will need to seek both good medical care and the assistance of a qualified attorney who specializes in reproductive law.

The first step is to find the right surrogate to build your family. In this regard, the residence of your potential surrogate is crucial.  Surrogacy laws vary greatly from state to state. The differences in these laws affect whether you will be considered the legal parent when your child is born through a surrogacy arrangement. Depending on the applicable state law, you may not always be considered the legal mother of your child, if your child is born from a gestational surrogate, even though you are genetically related to your child. In fact, in some states the law will recognize the surrogate to be the legal mother.

For example, New York State courts will not recognize the intended mother as the legal mother.  This is true even when her own eggs are used and the child born is genetically related to her.  What does this mean?  Well, the gestational surrogate, who is not genetically related to the child, is considered the legal mother. Therefore the biological/intended mother must take legal steps to be recognized as the legal mother, and can only do so with the consent of the gestational surrogate.

What about the father? This can be complicated too.  If your surrogate is in New York and is married, then New York State will recognize the surrogate’s husband as the legal father, leaving the biological/intended father with additional legal steps to ensure that he is recognized as the legal father.

To further complicate matters, New York State has declared that compensating a gestational surrogate is illegal.  So, if your gestational surrogate resides in New York State, you will need to take some precautions and make sure that you do not compensate her for any portion of the surrogacy arrangement. She can only serve as a “compassionate surrogate” who cannot be paid for her services.

The good news is that you can still have a gestational surrogate that resides in New York, but should only proceed with the assistance of legal experts, in order to ensure that your rights will be protected.  More good news is that in many states compensated surrogacy is allowed, and in many of these states the biological parents will be legally recognized.   What does this mean for intended parents who reside in New York? Intended parents may continue to reside in New York, and still proceed with a surrogate who resides outside the state of New York, in a more surrogate friendly state. Of course such arrangements can be best handled in consultation with an attorney who specializes in reproductive law.

http://cnyfertility.com/2013/08/02/are-you-my-mother-by-yifat-shaltiel/