SURROGACY MEDICAL EXPENSE LIABILITY INSURANCE PLAN

ANSWERS TO FREQUENTLY ASKED QUESTIONS.

Q. Why should Intended Parents purchase the Beitler Services Surrogacy Medical Expense Liability Plan?

1. Offers confidence and peace of mind that medical costs for the gestational surrogacy will be covered. The Surrogate Contractual Expense Liability Policy ‘SCELP’ is written specifically to cover the surrogate’s maternity and childbirth related medical expenses.

2. All claims are professionally managed and administered by Benefits Network, Inc. (authorized appointed third party administrator for BeitlerCare™). Intended Parents and their Surrogate are not burdened with payment of medical bills.

3. Intended Parents may select any Physician or Hospital to care for their Surrogate; no managed care Provider network restrictions.

4. Physician and Hospital medical charges are efficiently negotiated by the BeitlerCare™ ‘Plan’ Administrator on behalf of member enrolled Intended Parents.

5. Intended Parents have a secured privacy protected web-based access to their designated Bank of America BeitlerCare™ member services claims fund account. There are no surprises with the BeitlerCare™ Surrogate Case Management Program, no additional out of network fees.

6. Intended Parents establish and quantify their self-funded limit of contractual liability as per the agreed ‘SCELP’ policy terms and conditions.

7. Maintains privacy for all parties and protects the Surrogate’s personal credit rating from being adversely affected if medical bills are unpaid.

8. In the unfortunate event that a viable pregnancy is not achieved, 100% of the ‘SCELP’ policy premium paid is refunded less a $200 administrative fee.

9. Plan enrollment eligibility is for all States, not a problem if Surrogate relocation occurs during course of pregnancy.

10. Cost of the plan could be tax deductible.

11. Expensive but not as expensive as having a Surrogate’s personal health insurance deny coverage; Intended Parents may then be required to pay 100% of medical expenses and incur potential legal fees out of pocket.

Q.  When do Intended Parents purchase the Plan?
A. Prior authorized purchase of the Plan is available as required during contractual negotiations between the Intended Parents and their Surrogate.  Alternatively, the Plan can be purchased at any time subject to the agreement of Beitler Services. It is recommended that ‘Plan’ application and enrollment forms be completed and submitted for consideration and approval by Beitler Services prior to the Surrogate starting synchronization medications. In the event that a prospective applicant (i.e. Intended Parents) is unable to secure approval prior to Surrogate start of synchronization medications; application will still be considered, however, please note that there is no certainty of ‘Plan’ application approval.

Q.  When does Intended Parents Plan coverage begin?
A.  Plan coverage begins once: (i.) Plan application and enrollment forms are completed, submitted and written approval confirmed by Beitler Services, (ii.) Premium is paid to Company or authorized appointed insurance broker, (iii.) BeitlerCare™ enrollment fee and required agreed amount of certified funds deposited in to the designated member services account, and (iv.) Company receipt of satisfactory completed Medical Confirmation of Pregnancy Form (‘SCELP’ only).

Q. Can Intended Parents purchase the Plan after their Surrogate is medically confirmed as pregnant?
A.  Yes, however, Plan coverage will begin:  (i.) At the date completed application forms and any other additional relevant information required are received and approved by Beitler Services, (ii.) Premium is paid to Company or authorized appointed insurance broker, and (iii.) BeitlerCare™ enrollment fee and required agreed amount of certified funds deposited in to the designated member services account. Plan coverage can not be written retroactively.

Q.  When is the Gestational Surrogate Cycle Contractual Expense Liability Policy ‘GSCC’ documentation issued?
A. The policy documentation is issued immediately: (i.) upon approval of the application, (ii.) receipt of premium by Beitler Services, Inc. and (iii.) declared start date of Surrogate’s synchronized cycle medications. Documentation is mailed to the insured Intended Parents for the benefit of their Surrogate care of the authorized Broker representative.

Q.  When is the Surrogate Contractual Expense Liability Insurance Policy ‘SCELP’ documentation issued?
A. The policy documentation is issued and mailed by Beitler Services to the insured Intended Parents for the benefit of their Surrogate care of the authorized Broker representative immediately: : (i.) upon approval of the application, (ii.) receipt of premium by Beitler Services, Inc. and (iii.) the receiving of the satisfactory completed BeitlerCare™ Medical Confirmation of Pregnancy Form. The ‘SCELP’ policy effective date is at medical confirmation of pregnancy via ultrasound. The BeitlerCare™ Medical Confirmation of Pregnancy Form is completed by the Surrogate’s presiding Physician and submitted to the BeitlerCare™ Case Manager.

Q.  How does the BeitlerCare™ Case Management Program work?
A. Upon confirmed receipt of approved member enrollment from Beitler Services, the Intended Parents and their Surrogate are each sent a BeitlerCare™ Welcome Packet that contains a Surrogate ID Card and detailed instructions on the Case Management Program. During this time the member enrolled Intended Parents and Surrogate are assigned a BeitlerCare™ personal Case Manager. The Member assigned Case Manager will contact the Intended Parents and Surrogate by email as an introduction and to discuss the answers represented as submitted by the Intended Parents in the BeitlerCare™ Medical Intake Form. The Case Manager, as instructed by the member enrolled Intended Parents, negotiates services and rates directly with medical providers and informs the Intended Parents of the suggested performance based options for maternity and childbirth medical care.

Q. What is the name of the company that manages and administers the BeitlerCare™ Case Management Maternity Program on behalf of member enrolled Intended Parents for Beitler Services?
A.  The company that assists both the member enrolled Intended Parents and their Surrogate during the period of maternity, pregnancy, childbirth and post-partum is Benefits Network, Inc. (BNI), an experienced and reputable Third Party Administrator that is located in El Paso, TX.

Q.  When are the BeitlerCare™ Case Management Maternity Program enrollment materials issued?
A.  BeitlerCare™ Case Management Maternity Program enrollment materials are sent to both the member Intended Parents and their Surrogate via email or mail, whichever the Intended Parents and Surrogate prefer. Enrollment materials include but are not limited to:  BeitlerCare™ identification card, required fee for case management services and detailed instructions on the procedure for the pre-certification of medical providers. Intended Parents and their Surrogate are assigned a personal Case Manager that will assist the Intended Parents with the coordination of medical provider options and work directly with the selected physician and hospital.  BeitlerCare™ works to negotiate the most economical rates available for each phase of maternity care and childbirth.

Q.  How do member enrolled Intended Parents and/or their Surrogate contact their personal assigned Case Manager?
A.   Communication with the personal Case Manager is conducted by email and/or telephone. The name, email and telephone contact information of the Case Manager are provided to the Member enrolled Intended Parents and their Surrogate in the enrollment packet materials.

Q.  What additional information will the Member enrolled Intended Parents need to provide to Benefits Network, Inc. as authorized administrator for BeitlerCare™?
A.  Intended Parents will need to provide the name and contact information of their Primary Insurance Carrier and any known co-insurance that will be covering the newborn.  This information will be provided to the Medical Providers as determined necessary for delivery and is requested at time of application (Part III, BeitlerCare™ Medical In-Take Form Questionnaire).

Q. What if Intended Parents or their Surrogate already have a Physician or Hospital that they would like to use?
A.  Intended Parents and their Surrogate have access to ‘all’ physicians and hospitals.  The Case Manager will present various options to member enrolled Intended Parents, assisting them in the performance based selection of medical providers with the corresponding costing estimates for maternity and childbirth medical services.  Of course the Intended Parents may want to give special consideration to a provider that is known may be right for their Surrogate. The member enrolled Intended Parents have the final decision making authority on which medical providers their Surrogate sees during course of maternity and childbirth.

Q.  Are Intended Parents limited to the physicians and hospitals that they may choose from?
A.  No, Intended Parents have access to all physicians and hospitals.  The Case Manager is trained to assist member enrolled Intended Parents, obtaining the most economical negotiated pre-certified provider contract rates available. Various options for provider selection based on the Intended Parents and their Surrogate’s submitted responses to the BeitlerCare™ Medical In-Take Form are prepared by the Case Manager and sent to the Intended Parents for their consideration.

Q.  Who is the final decision maker when it comes to the Medical Providers that the Surrogate will see?
A.  The Intended Parents are considered the final authority and decision maker with respect to the coordination of maternity and childbirth related medical services on behalf of their Surrogate.  The Case Manager will present various Physician and Hospital Medical Provider options based on performance and cost to the member enrolled Intended Parents for their consideration.  Intended Parents have the option of including their Surrogate in the evaluation and selection process.

Q. Once the Medical Providers are coordinated and selected, how does the Surrogate access them?
A.  The Case Manager will work directly with both the Surrogate and the Physician to make certain that both parties possess the necessary information from BeitlerCare™ that is needed to accept the issuance of referrals prior to the Surrogate’s date of service.  Pre-certified authorization by Benefits Network, Inc. administrator for BeitlerCare™ is required before medical services are rendered.

Q.  Will the Surrogate always see the selected physician or will she be required to travel to other providers?
A. Some physician offices provide additional services such as lab work or sonograms. Others do not. The BeitlerCare™ Case Manager will know this in advance, and offer suggestions with costing options if additional facilities and/or specialists are required. Please always keep in mind that it is the Case Manager’s goal to coordinate cost effective medical care that is based on quality in performance and at all times considering the convenience for the Surrogate. All Providers are required to be approved by BeitlerCare™ before treatment date of service.  The Case Manager will issue the requisite referrals and information to selected Providers before each visit by the Surrogate.

Q.  Where does the Surrogate go if the selected Physician refers her to a specialist for medical care and services?
A. The personal Case Manager will have already provided the Physician with the necessary instructions for rendering of necessary medical services not provided by the coordinated selected Physician’s Office.  The Physician is required to submit all medical orders to the BeitlerCare™ Case Manager in advance of the specialist appointment to enable the required pre-certification and to notify the Surrogate of the location and phone number so that a suitable time and day for appointment can be scheduled

Q. What if the Surrogate requires emergency medical care?
A. If Surrogate feels that she is in need of emergency care then she should go to the closest hospital.  The Surrogate and/or member enrolled Intended Parents should please contact their assigned Case Manager as soon as possible.

Q.  How does the member enrolled Intended Parents contribute funds on deposit to the designated Bank of America member services account (administered by Benefits Network, Inc.)?
A.  Intended Parents are required to deposit certified funds into the Benefits Network, Inc. (BNI) designated Member Service Account with Bank of America.  There are three (3) easy methods for deposit to choose from: (1.) Cash deposit directly into the Member Services Account at any Bank of America local branch, (2.) Bank wire transfer, or (3.) Courier service a Cashier’s Check to Benefits Network, Inc.  The welcome packet materials provided to member enrolled Intended Parents contain specific detailed instructions.

Q.  What is the amount of funds that the member enrolled Intended Parents are required to contribute on deposit to their designated Bank of America member services claims account (administered by Benefits Network, Inc.)?
A. Once the submitted Plan Application Form has been approved, payment by the Intended Parents of an $800.00 fee is required for the enrollment with BeitlerCare™, the ‘Plan’ case management and claims administration servicing component.  An invoice for enrollment is sent directly by the third party administrator, Benefits Network, Inc., to the Intended Parents. If ‘GSCC’ cycle insurance is required, the invoiced amount is $3,000.00, which includes the understood enrollment fee and an additional amount for initial funding of the designated Bank of America member services claims account. Upon receipt of the satisfactory completed BeitlerCare™ Medical Confirmation of Pregnancy Form, the member enrolled Intended Parents are required to contribute additional funds, based on ‘SCELP’ policy agreed self insured retention amount, to their designated Bank of America member services claims account.  The ‘SCELP’ policy agreed self insured retention amount is determined based upon: (i.) # of fetus (i.e. singleton, twins, or multiples), (ii.) prior cesarean section and (iii.) the coordinated pre-certified contracted Providers selected.  ‘Plan’ administrator, Benefits Network, Inc., will send an invoice statement of account to the member enrolled Intended Parents requesting the additional amount required for deposit contribution to member services claims account.

Q. How will Intended Parents know that the funds contributed on deposit to the designated member services claims account have been correctly appropriated and being held by the Plan Administrator?
A. Member enrolled Intended Parents receive an email confirmation from the accounting department of Benefits Network, Inc. detailing the total amount of funds credited and also have the ability to query online 24/7 secured access to the transactional historical activity of their designated member services claims account.

Q.  How long will the Case Manager work with the Intended Parents and their Surrogate?
A. The Case Manager works with both the Intended Parents and their Surrogate beginning with medication start date of synchronization, throughout the maternity, childbirth and post-partum, not exceeding 20 months or until all related medical bills are paid and the case is closed.

Q.  Is there an easy way for the Intended Parents to learn the status of the surrogacy case management?
A.  Yes, there is.  Member enrolled Intended Parents are given internet access to a secure location where they may access specific information regarding their Surrogate and to track the status of her medical care. Intended Parents are assigned a login and password that is used for access to this area.  Intended Parents are able to query each Provider visit and their Surrogate’s medical action history.  Intended Parents have privileged secured access to the Case Management web-based accounting area to query normal retail Provider charges per date of service rendered and the savings negotiated directly with Providers. Intended Parents also may query the final member services account reconciliation and receive an activity statement.  Once the child is born and all related Surrogate costs adjudicated, the Intended Parents designated member services account will be closed and any residual account credit balance promptly returned. IP’s can always communicate directly with their Case Manager.

Q. Does the Surrogate Contractual Expense Liability Policy ‘SCELP’ $500,000 Limit of Liability (Per Surrogate, Any One Pregnancy) consider the negotiated pre-certified contracted provider agreed rates when determining payment of covered policy medical expense claims?
A. Yes, for example, if aggregate maternity childbirth original gross retail total incurred charges are $600,000 and total incurred charges are negotiated by BeitlerCare™ on behalf of member enrolled Intended Parents to $500,000 then the ‘SCELP’ limit of liability will satisfy the total incurred maternity childbirth charges as per the agreed policy terms and conditions. Once the Intended Parents have satisfied the agreed ‘SCELP’ policy self retention amount then all remaining covered maternity and childbirth medical expenses are paid 100.0% to Providers as per the agreed ‘SCELP’ policy terms and conditions.

Q.  What if the Intended Parents’ Surrogate is not medically confirmed as pregnant?
A.   If the Intend Parents request the ‘SCELP’ policy authorization to be rescinded prior to medical confirmation of pregnancy via ultrasound, then the Company will provide a 100% credit return payment of the ‘SCELP’ premium paid less a $200 administration fee. Any funds contributed to the Bank of America Member Services Claims Account will be promptly returned to the member enrolled Intended Parents once all outstanding bills, if any, have been settled to medical Providers. BeitlerCare™ case management enrollment fee is non-refundable.

Q. What if the Surrogate Contractual Expense Liability Insurance Policy ‘SCELP’ documentation is issued and the Surrogate’s pregnancy subsequently terminates? Is the premium paid and/or funds contributed to the member services claims account refunded?
A. In the unfortunate event of a failed pregnancy, prior to the transfer of the Surrogate to the selected Obstetrician (typically @ 10 to 12 weeks), Policy Credit Cancellation Provision permits for ninety percent (90%) of the paid premium to be credited towards a new policy (i.e. subsequent pregnancy attempt), subject to: (i.) no claims paid by the in-force ‘SCELP’ policy, (ii.) satisfactory new application and (iii.) medical confirmation of pregnancy via ultrasound within the ensuing twelve (12) months. If the Intended Parents decide not to proceed with another pregnancy, no credit refund of premiums paid will apply. Any funds remaining in the Bank of America Member Services Claims Account is returned to the member enrolled Intended Parents once all outstanding bills have been settled to medical Providers. If ‘SCELP’ policy cancellation is requested in accordance with policy termination provisions, subsequent to ‘Plan’ approval but prior to medical confirmation of pregnancy via ultrasound, then 100% of the $8,200.00 premium (plus taxes as applicable) less a $200 administrative fee is refunded to the Insured Intended Parents.