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Help with Medical and Legal Expenses

How Our Adoption Agency Helps with Bills

Finances are often a major factor when a woman is deciding what to do about an unplanned pregnancy. Some women think, I’m pregnant and want to give up for adoption, but I need help with bills. How will I pay for medical or legal expenses if I choose adoption?

The answer: You won’t have to. Many adoption professionals, like American Adoptions, can offer financial assistance to cover the costs of your medical and legal bills, as well as assist with living expenses, provide free counseling and more.

To learn more about your medical and legal expenses during adoption, you can contact an adoption specialist any time at 1-800-ADOPTION or request free information online. In the meantime, we’ve answered some of the most common questions we receive about legal and medical expenses below.

“If you are giving your baby up for adoption, do you have to pay for your own medical expenses?”

Many women have worried about how they’ll afford the costs of their pregnancy and delivery when choosing adoption. They wonder, “If you put your baby up for adoption, do you have to pay the hospital bills still?” The answer, in most cases, is no. Here’s what you need to know about medical bills and adoption:

“If you are giving a baby up for adoption, does the new family pay for the hospital bills?”

Every state has unique laws, but in most states, yes, the adoptive parents are able to provide financial assistance to you for your medical needs. When you “give a baby up” for adoption, the parents cover the hospital expenses, beginning with prenatal doctor visits through the delivery of the baby, and up to six weeks of medical recovery after the baby is born.

“If you put a baby up for adoption, how does the agency pay the hospital bills?”

American Adoptions and/or the adoptive family you select will likely help you seek assistance with medical expenses in one of several ways, depending on your current situation:

  • If you are currently covered under medical insurance, we’ll help you continue your current medical insurance plan, and the adoptive family may be able to help with your deductible or copay fees.

  • If you are not currently enrolled in medical insurance, our staff will help you to enroll in Medicaid or a comparable state-level program.

  • If you are ineligible for Medicaid or there is too little time in which to enroll you, the adoptive family will help provide financial assistance to pay for your out-of-pocket medical fees. In some instances, our staff may be able to negotiate your bills lower, and in a few rare instances, the adoptive family’s insurance policies might even cover your hospital delivery.

Both courts and adoptive families understand that you may not be able to afford medical bills for pregnancy and delivery, and each of our adoptive families sets aside money to help assist with your medical expenses, as we all want you to have a healthy pregnancy and delivery. To learn how to find a family willing to pay medical bills through the adoption process, contact an adoption specialist now at 1-800-ADOPTION.

“If you want to give your baby up for adoption, do you have to pay for an attorney?”

No, you will not have to pay for an adoption attorney. American Adoptions can provide education and support about the legal process of adoption. Someone (like your adoption specialist or an attorney) will be present to make sure that you understand any adoption paperwork or testimony you complete and their legal implications and will also be present to ensure that you make a confident and well-informed adoption decision without any undue influence from anyone else. American Adoptions or the adoptive family you select will be the one who pays for an adoption lawyer. They will also cover all of your legal expenses and set aside the budget to do so.

“Where can I find an adoption agency to pay my bills?”

Right here. If you’re thinking, “I’m pregnant and want to give up for adoption, but I need help with bills,” you’re in the right place. It’s always free for you to work with American Adoptions, and your adoption specialist will ensure you get the financial help you need to cover your legal and medical bills.

We understand that the costs of pregnancy can add up, and it can be difficult to keep a consistent work schedule, especially as your pregnancy progresses. Many women are worried about who can help pay pregnancy and baby bills during the adoption process. We’ll do everything we can to help with your finances so that you don’t have to stress about making ends meet during your pregnancy.

Your legal and medical expenses will be covered for you by either the adoptive parents or us. You’ll also have access to free services like counseling before, during and after the adoption, and you may be eligible to receive help with your living expenses like rent, utilities or groceries while you’re pregnant. Not only is American Adoptions an adoption agency that helps with bills whenever possible, we’ll also work with you to try to cover all your pregnancy-related expenses so that you don’t have to worry about your finances when you’re creating an adoption plan.


Even if you are still deciding between parenting and adoption, an adoption specialist can talk to you more about the financial assistance that adoption offers, and the financial assistance available to you if you choose to parent. We’ll do our best to help you find resources for financial assistance, no matter what you choose.

Call 1-800-ADOPTION to learn more about financial adoption assistance offered by American Adoptions, or contact us online now for more information. 

Information available through these links is the sole property of the companies and organizations listed therein. America Adoptions, Inc. provides this information as a courtesy and is in no way responsible for its content or accuracy.

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Frequently Asked Questions

Why is American Adoptions the right adoption agency choice for many birth mothers?

American Adoptions is one of the largest licensed adoption agencies in the United States. Each year, we work with thousands of women who are facing an unplanned pregnancy and offer assistance to these women. Our large, caring staff is able to assist you seven days a week and provide you with one-on-one counseling about your pregnancy and available options.

You should choose an adoption agency where you feel completely comfortable with their services and staff. With American Adoptions, you will work with an Adoption Specialist who is on-call 24 hours a day, 7 days a week. The Adoption Specialist will be your advocate and will provide support and guidance as you create an adoption plan that is right for you.

How will the family tell my child about me and the adoption when my child is older?

Each family has their own style of introducing adoption to the child. When you are matched with an adoptive family, you can ask them this question. If you would like your Adoption Specialist to discuss it for you, just let her know. He or she can share your wishes or provide good ideas from other adoptive families.

You will also be able to share what you want your baby to know about you. You can complete a keepsake booklet to share hobbies, stories, photos of you and your family and a letter to your baby. The adoptive family can provide this to your child as he or she grows older. Be as creative as you like! Some birth mothers have even knitted a special blanket as a gift to their baby or given a similar symbol of their love.

The father of your baby can fill out the birth father's keepsake booklet or write a letter too. You may have other family members who would also like to share photos or a letter to the baby. This is your opportunity to pass on your and your family's love and to share your personality, history and reasons for choosing adoption. The adoptive family will treasure whatever information you provide and will share it with the baby at an appropriate age. In most adoptive homes, the word adoption is in the child's vocabulary early on, and adoption is celebrated in their lives.

Additional Resources

Teen Pregnancy - Information for Young Women

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Do adoption terms and phrases leave you feeling confused? Learn the meaning to key adoption words and phrases with our comprehensive adoption glossary.

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