Surrogate Insurance

Once you’ve progressed through the initial application process you will begin working on what we call the paperwork phase. The process involves gathering and submitting paperwork

We will need to secure that you either have, or are able to obtain, insurance prior to being issued full clearance to proceed. Part of this process means taking a look at your personal insurance to see if it covers surrogacy pregnancy and, if it does not, if you qualify for either the Affordable Care Act (ACA) or a surrogacy specific policy through New Life Agency (NLA). This means you will apply for insurance even if you presently have your own coverage plan.

Once the insurance provider for your surrogate journey has been decided, that information will be included in your surrogate benefits package, and will apply only to your insurance for the journey ahead. This part of the document likely matters more to the intended parents you will wind up working with than it will to you.

The insurance part of your benefit package shows the costs of your insurance coverage and allows intended parents to know exactly what costs they can anticipate for insurance coverage.

The benefits that your particular policy will include differ based on the policy you are using and how it was obtained. For example, benefits will differ from case to case based on if the surrogate is using their own policy, New Life Agency, or an ACA medical policy. This total package will be submitted, along with your profile, to intended parents once you approve their profile in the matching phase. This disclosure of insurance coverage allows intended parents to have a full picture of what is expected of them financially in most predictable situations.

For your part, there is very little you can do to have an impact on your insurance package. If your personal insurance works for a surrogate pregnancy, choosing this option could be very helpful for your intended parents. Apart from that, all you can do is submit the correct paperwork in a timely manner.

Kim Bergman, PhD, a licensed psychologist of 26 years, has specialized in the area of gay and lesbian parenting, parenting by choice and third party assisted reproduction for over two decades. Dr. Bergman has created a comprehensive psychological screening, support and monitoring process for intended parents, surrogates and donors. She is the co-owner of Growing Generations and is a member of the American Society for Reproductive Medicine, the American Psychological Association, the Los Angeles County Psychological Association, the Lesbian and Gay Psychotherapy Association, and the Gay and Lesbian Medical Association. She is on the national Emeritus board of the Family Equality Council. Dr. Bergman writes, teaches and speaks extensively on parenting by choice. Along with co-authors, she published “Gay Men Who Become Fathers via Surrogacy: The Transition to Parenthood” (Journal of GLBT Family Studies, April 2010). Dr. Bergman’s is the author of the book, Your Future Family: The Essential Guide to Assisted Reproduction (Conari Press 2019) as well as the children's book You Began as a Wish (Independent Press 2019). Dr. Bergman created her own family using third party assisted reproduction and she lives with her wife of 35 years. She has two adult daughters.