Insurance Matters — Understanding Various Insurance Considerations for Surrogacy Journeys

Episode Summary: In this informative episode, attorney James Mahan welcomes Sarah Paige, COO of ART Risk Solutions, to break down everything surrogates need to know about insurance. From what "surrogacy-friendly" really means to handling multiple policies, navigating coverage gaps, and preparing for unexpected complications, Sarah walks through the real-world issues that impact gestational carriers. They also discuss key topics like moving mid-journey, coordinating short-term disability, and why surrogates need to stay informed, even when others are managing the paperwork.

Key Timestamps:

00:34 – What surrogates should ask before starting a journey (life, health, disability coverage)

02:40 – What “surrogacy-friendly” insurance means and how policies are evaluated 04:39 – How primary vs. secondary policies work and why coordination of benefits matters 07:15 – What to do if a policy doesn’t work as expected (complications, denials, appeals) 09:39 – Can a surrogate move mid-journey? How relocation impacts insurance 12:03 – What surrogates should know about policies purchased on their behalf 14:04 – How ART Risk supports surrogates directly, not just agencies or IPs 15:49 – How claims management reduces stress for surrogates during pregnancy 17:57 – How short-term disability works and when it applies for gestational carriers

About the Show: The Surrogates Corner is hosted by attorney James Mahan, a legal advocate dedicated to supporting surrogates and donors. Each episode offers trusted guidance and expert interviews designed to empower those navigating third-party reproduction journeys.

Guest Bio: Sarah Paige is Chief Operating Officer at ART Risk Solutions and a leading expert in surrogacy insurance, advocacy, and risk management since 2010. You can reach her at https://artrisksolutions.com/. You can also call (661) 257-6242 or email info@yourinsuranceresource.com to connect with ART RIsk Solutions.