Frequently Asked Questions About GS Insurancere
1. What is the $1000 insurance review fee for? What work is done, specifically?
Can we choose to waive it? The $1000 fee is for the research, management and handling of the insurance requirements of the GS and the IPs. In many cases the GS insurance situation is not easily understood and must be deciphered. The sheer number of public, private and group coverages make understanding the GS’ situation very difficult to resolve for surrogacy purposes. The fee is based on handling both Life and Health Insurance. There is no waiver of this fee. We provide the highest level of protection and health care available with the greatest cost savings to the IPs.
2. Why a insurance review letter cost $250? what is done with this letter?
The Insurance Review letter is the result of extensive research and analysis of the GS’s health care situation and then a recommendation of the way forward so that she can be provided the best possible care during the surrogacy journey. This letter is required to be submitted to the legal representatives for the IP so that it will meet the requirements of California Family Code (law) section 7960 to 7962 and is an official part of the GSA.
3. Every time we change a new GS, we need to pay $250 insurance review letter?
In this case, can we wait till GS passed the medical screening to do the insurance review letter? The Review Letter is specific to each GS and her particular situation. Therefore, for every change of GS there must be a Review Letter created to meet the legal requirements as set forth in CA Family Code 7960. The Review Letter is typically ordered once the GS is cleared and is ready for the final legal agreement to be signed. If the GS does not qualify during any of the screening process a Review Letter will not be ordered.
4. IUL for GS, it’s optional now, and will be mandatory later?
The IUL is currently an option for the GS’ protection. The IUL coverage encompasses much greater Accelerated Living Benefits and is a foundation for a sound financial planning. The intent of OFS and OFG is make this option a key element in protecting the GS for the surrogacy journey as well as a feature for the GS after her time with the IP.
5. What is the difference between Obamacare and Blueshield platinum plan (Anthem Platinum plan)?
The private insurance companies such as Anthem, Kaiser and Blueshield provide the various levels (Silver, Gold, Platinum) plans. These plans can be purchased by any person who qualifies to purchase at the time they are made available, normally during an open enrollment period (Nov-Jan). These plans can be purchased outside of the open enrollment period under very specific conditions called “Qualifying Events”. Obamacare is a nickname given to the Affordable Care Act (a US Law). This law controls the insurance companies for specific people who apply for health care and subsidizes their cost. Obamacare is essentially a government sponsored method to pay for the various health care plans that are made available by private companies such as Anthem or Blueshield.
6. When a GS is evaluated on a health plan, how does she qualify for Obamacare to allow for lower insurance premium? is this evaluated based on GS income or IP income?
The GS and her family’s income base is used to determine the cost of the insurance. Most GS do not qualify for a subsidized Obamacare plan due to their existing income. If the GS does qualify for a subsidy the company that is working with that subsidy may not allow for surrogacy.
7. How come some GS is recommended to get on Anthem Platinum plan, others on Blueshield? what’s the difference? which is cheaper?
The price is never a consideration for picking either plans since the prices are nearly exactly the same. The determining factors are location of the GS, In Network services, method of payment and other minor considerations. The plans are equivalent based on their metal levels (Silver, Gold, Platinum). In many cases it the OB or birthing location can be a determinant to which plan is used.
8. For any of the Platinum plans, if they are the most comprehensive health coverage available, do we still expect to pay out of pocket cost for labor and post delivery care? under what circumstance, we may pay out of pocket cost? how much is maximum? is there a limit?
The metal level of plan determines how much of the health cost will be covered. A Platinum level plan covers 90% of average costs. The remaining 10% is paid for by the user of the insurance. Out of pocket maximum for a single person (like in the case of a New Born or GS) is $4,000 total per year for the Platinum plan. The birth of the child is usually covered under the GS policy with the same limitations. Post-delivery care costs are covered under the New Born Health Insurance (once it is established). If no insurance exists for the New Born then the IPs will be responsible for all costs. See the coverages and details for each in the link.
9. Other Surrogate agencies do not charge $1000 insurance managment review fee, why are you charging this fee?
Our costs are based on the most comprehensive research, analysis and health care that can be provided to a GS or a Newborn. This level of quality and liability mitigation is the highest in the industry. Lesser cost services may give you some of same protections but in combination with the high level of quality that OFG has established nothing less can be provided by Omega Family Services to the IP.
10. For IUL, we don’t feel it’s reasonable to pay for permanent life insurance coverage for GS, we should only pay for GS during the term of the contract.
The IUL coverage for the GS is only during the contract period. No further premium payments are made to this specific insurance beyond the birth of the child. This higher level of protection is for the benefit of the contract and not solely for the GS or her family. The standards set by OFS and OFG are the highest in the industry and it is because of features like the IUL that makes the quality of what we provide above all the rest. All of our policies can be assumed by the GS.
11. If we don’t have to pay for GS during 1st trimester, then if there are any complications with the pregnancy resulting in extra medical expenses which can be pretty expensive as we understand, who pays for it?
In this case we’d rather pay for our GS health insurance from the beginning of her pregnancy. The Health Insurance needs are typically covered during the first trimester, as the GS is undergoing the IVF, by the IVF Clinic. Private Health Insurance can be set up prior to the GS getting pregnant. This is a matter of prior planning by OFG and the IPs. In some cases OFG will already have Health Insurance covered for the GS during the open enrollment to provide for this exact situation. If you wish to have a GS that will have private Health Insurance coverage throughout the entire surrogacy journey please contact your Case Manager and inform them of your wishes.