Guest: Virginia Hart, CEO of ARTRisk - https://artrisksolutions.com/

Topics Covered:

• Background on ARTRisk and Virginia's journey into surrogacy insurance
• Types of surrogacy insurance policies beyond basic health insurance (complications, life, disability, lost wages)
• How the regulatory landscape for surrogacy insurance has evolved over time
• Explanation of what a medical lien is and how it works
• Tips for intended parents during open enrollment period
• Importance of staying on top of insurance changes from year to year
• What to do if a surrogate changes jobs/insurance mid-journey
• Finding an insurance broker who will advocate for you

Key Takeaways:

• There are many types of insurance beyond basic health to protect all parties financially
• Regulations and policy exclusions are always changing so validate annually
• Liens allow insurance companies to charge back some medical costs to intended parents
• Communicate any insurance changes ASAP to avoid gaps in coverage
• Find an advocate who will fight for your best interests