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[quote=Anonymous][quote=Anonymous][quote=Anonymous]I've heard that lots of enlisted military wives are doing this to supplement their incomes, especially while husbands are gone on missions. It's quite hard for such military wives to develop careers as they move pretty often.

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I am an retired enlisted wife and I have never heard of it.  Tricare is very generous depending what but there are not lots of enlisted women doing it.[/quote]

PP 22:59.  Be careful with Tricare.  We had one early potential match for GC.  She was a former military herself and spouse to an active military.  She had Tricare.  Our lawyer and I looked over her insurance and there were several clauses in the Tricare policy that were rather nondescript about whether certain services associated with a gestational surrocacy would be covered.  We did not want to risk it, so we priced out a supplemental policy for her.  We ended up not matching, but had we signed a contract, I would have purchased the supplemental insurance policy rather than risk a long hard battle with Tricare over whether certain charges would be covered.

From my wife's notes at the time (this was 2010, so things may be different now):
[quote=July 2, 2010]Tricare:
Tricare says it has the right to place a lien on medical care expenses. Therefore, after Tricare has paid for expenses, they can come back and place a legal requirement for repayment of the expenses. This requires us to re-pay the expenses. The only way to limit the amount of this re-payment is to place a limit of our responsibility for medical expenses in the contract. This limit becomes the upper limit that Tricare can require us to pay back.

This happens only if Tricare pursues the issue.[/quote]

Our adoption legal firm, CFC, told us that they had a surrogate in DE who actually had expenses refused retroactively by TriCare and that the surrogate was being told to reimburse the insurance company for inappropriate charges to their insurance based on her carrying a child via surrogacy, e.g. not her own child.  Based on that, we priced insurance policies that we could take out that would cover the charges for pregnancy including surrogacy.  We didn't end up needing to purchase and it was 7 years ago, so things may have changed, but if you have a surrogate who has Tricare, you really need to do some reading of the Tricare policy regarding pregnancy to ensure that your surrogate really is covered.  If not, or if you are not sure, it will likely be significantly cheaper to pay insurance premiums for a surrogate than actual medical costs should they retroactively make you pay back insurance disbursements for medical care for the surrogate or your children while they are in utero. 
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