Money Talk With Slater

Making Money Across the Board

The Amount of Money Required for Adoption (Part III)

Any unused money from the adoption will go back to the family.


Many adoptive families get a refund from their adoption, going from a few hundred dollars to a few thousand dollars. American Adoptions always trains families financially for the worst-case scenario by getting medical expenses to cover any co-pays, retainers, or out-of-pocket medical expenses not covered by Medicaid or other insurances. Once the adoption is completed and all final billing is done, unused money for medical expenses is given right back to the adoptive family.

Adoption Disruption Insurance/No Rollover Policy

Numerous families never have an adoption disruption. However, it can occur. It’s something you have to think about, particularly when asking how much adoption costs in the U.S. An adoption disruption can happen late in the process after you have already put a huge financial investment into the adoption. What occurs to any of those costs that have previously been covered?

A good number of adoption professionals can’t offer any type of adoption disruption insurance, and the ones that do typically use a “rollover” process. This means your lost money will be used in a future adoption situation. So, what are the disadvantages of this sort of policy?

You and your money are stuck with the adoption professional in the likelihood that you will get another adoption opportunity, which is not guaranteed.

If you locate an adoption opportunity with another adoption professional, you are unable to pursue it with the money you’ve already invested.

If the adoption professional goes out of business, your money is gone.

If you would like to step away from adoption to treat the emotional loss of adoption disruption, your money remains with the adoption specialist.

If you are worried about how much it costs to adopt a baby, remember that you partner with your adoption specialist to set your highest adoption budget and will be presented adoption situations that fall within or under your budget based on the total estimated cost of the adoption. 


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