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​Gay marriage ruling may lead to health insurance risk

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Money Tips for Gay Couples - CBS News

Many same-sex couples are eager to expand their families. One option for members of the LGBT community is surrogacy, and as perceptions of family have become more inclusive, lesbian and gay surrogacy has become increasingly common. While the surrogacy process is generally no different for same-sex couples and individuals than for any other intended parent, there are some unique considerations to take into account. Read on to learn more about the process, regulations, advantages and disadvantages of surrogacy for LGBT parents. Surrogacy is a popular option for gay men who want to be biologically connected to their children, as well as for lesbian couples who are unable to conceive or carry a pregnancy on their own.
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Marital Status and Medicare Eligibility

Keep your debt manageable during challenging times. Join our online community discussion. How does my marital status affect my eligibility for Medicare? This is a complete reversal of the laws that were in place only a short time ago. If neither of you has 40 credits, you can still receive Part A benefits by paying monthly premiums.
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Female Couples Using IUI with Donor Sperm Female couples using intrauterine insemination with donor sperm may have insurance coverage for office visits and testing. If you are the woman who is getting pregnant considered the patient , check with your insurance provider for your specific infertility benefits. If you are 35 years old or younger, this usually means paying out-of-pocket for 12 cycles of IUI or IVF without conceiving regardless of the result of the pregnancy. If over 35 it usually means paying out-of-pocket for 6 cycles of IUI or IVF without conceiving regardless of the result of the pregnancy. If you conceive and miscarry, some insurance plans may require that you complete another 12 treatment cycles without conceiving before your infertility treatment benefits will kick in.
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