ART risk contingent plan

We are in the 3rd trimester with our surrogate (twins!). Her insurance plan was considered "surrogate friendly" but they still offered the contingent plan.

The deductibles are very high, I like if you end up activating it you are looking at like $40,000. Via Lloyd's of London. This is for a max benefit of $250,000.

I was wondering of instead just seeing if her insurance would negotiate a similar amount for us to pay out-of-pocket if shit hits the fan vs. going through ART risk. Is the benefit just peace of mind.