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“What does adoption mean to a child?”

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Help with Medical and Legal Expenses

Financial Assistance During Adoption

Finances are often a major factor when a woman is deciding what to do about an unplanned pregnancy. Some women wonder, how will I pay for medical or legal expenses if I choose adoption?

The Answer: Many adoption professionals, like American Adoptions, can offer financial assistance to cover the costs of your medical and legal expenses, as well as assist with living expenses and provide free counseling.

Medical Expenses

Every state has unique laws, but in most states adoptive parents are able to provide financial assistance to you for your medical needs beginning with prenatal doctor visits, through the delivery of the baby and up to six weeks of medical recovery after the baby is born. American Adoptions and/or the adoptive family you select will likely help you seek assistance with medical expenses in one of several ways:

  • 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 American Adoptions families sets aside money to help assist with your medical expenses, as we all want you – and the baby – to have a healthy pregnancy and delivery.

Legal Expenses

American Adoptions can provide education and support about the legal process of adoption. Someone 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 your adoption decision without any undue influence from anyone else. American Adoptions and the adoptive family you select will also cover all of your legal expenses and set aside the budget to do so.


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 do indeed choose to parent.

Call 1-800-ADOPTION to learn more about financial adoption assistance offered by American Adoptions, or click here 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

While not every woman who chooses adoption is a young mother, many are. Through adoption, many young women have found an ability to give their babies the best life possible, while finding the opportunity to realize their own dreams, as well. Call American Adoptions today at 1-800-ADOPTION.

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Adoption Glossary

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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