Using Your Personal Insurance for Surrogacy

All Growing Generations’ surrogates are required to have health insurance to help cover the cost of IVF and pregnancy. Some surrogates are enrolled in specialty surrogacy specific programs while others will be able to use their own personal insurance. While at first this may sound a bit scary, rest assured that using your own insurance comes with a lot of benefits for you, and represents a significant cost savings for your intended parents!

The first step is to take a look at your policy to see if there are exclusions for a surrogate pregnancy. We will work with you to obtain written confirmation of benefits from your insurance provider. In some cases there may be a conference call between your insurance provider, Growing Generations staff, and yourself to obtain a verbal approval as well.

Once we have confirmation of coverage, the Growing Generations finance department will look into your annual out of pocket maximum expense. This information will be used later by the finance department to collect from your intended parents two calendar years of co-pays, deductibles and out-of-pocket overages, as a typical surrogacy will span that amount of time. As long as you continue to use in network providers, your health costs should not exceed the amount collected and held for you in the intended parent’s account.

Since the intended parents are paying your co-pays and deductibles for your maternity care, it is very likely that your deductible will be met through surrogacy related expenses. This also means that, your remaining non-surrogacy expenses (for which you are always responsible) for the duration of the calendar year may cost you nothing!

The bill payment and reimbursement process will be very similar whether you’re using your personal insurance or a surrogacy specific fund. You will need to submit all Explanation of Benefits (EOB) as well as all itemized bills received to the finance department for payment. If you are using your own personal insurance, you may be responsible for paying co-pays at the time of service, but do note that those expenses can be submitted for reimbursement as well.

If you have specific questions about using your own policy, don’t be shy! Your case specialist is familiar with the process and can help you navigate the process with ease.

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.