Medical costs & insurance

As egg donation is a lengthy medical process, be aware that there are going to be certain costs, such as for prescriptions, doctor’s office co-pays, and labs.  However, all of these expenses are typically covered by the agency or the intended parent(s). Be clear on your agency or clinic’s practices regarding reimbursements before making any purchases. In most cases, if you pay for any such expenses out of your own pocket, you can keep a receipt and ask for reimbursement.

Questions to ask:

Who will cover my medical costs during the egg donation process? Do I need to have my own medical insurance to participate?

Your medical bills for the procedures should be paid, in full, by the agency or the intended parent(s).

Some programs require the donors to have their own insurance, in case of complications. Be very clear about insurance coverage and requirements before you sign any documents.  Any complications or medical costs related to the egg donation process should be covered by the agency or intended parent(s).

Will the program provide insurance to cover me? What will the insurance package cover?

Some programs will arrange special, short-term insurance to cover you in the event of medical complications. If this is the case, you need to know:

• Who will pay the insurance premium?
• How long will the coverage last?
• What if you have long-lasting medical complications?
• What if a problem arises several months after you have completed your donation?
• How do you access care under the policy?
• Do you see your private doctor or must you first return to the program?

Recommendation: Ask your clinic or agency for a copy of the insurance policy to confirm that you are covered.

What if the program does not offer me insurance?

If no insurance is offered, you need a clear agreement, in writing, of how bills will be paid if there are any medical complications before and after the egg retrieval procedure. If there is a general statement, such as the program “covers all expenses,” make sure to check on any restrictions and limitations.

• Is there a limit on the amount paid?
• If the recipient is supposed to pay, is it up to you or the program to collect the money?
• What about problems that appear later?
• What if you are unable to work or need special care?