Health insurance typically doesn’t cover surrogates leading up to birth. Additionally, insurance carriers usually don’t cover fertility treatments, like in-vitro fertilization (IVF) or fertility medications.
If you’re an intended parent who is using a surrogate, the surrogate’s own health insurance policy should cover her during pregnancy. However, the rules around health insurance and surrogacy vary based on the insurance company, so it’s a good idea for you and your surrogate to ask your respective insurance companies about what’s covered.