Why Surrogate Specific Insurance is Needed


It is not uncommon for your personal health insurance policy to cover your surrogate pregnancy. Choosing to use your own health insurance for surrogacy represents many benefits including a significant cost savings to your intended parents.

If you choose to use your personal insurance for your journey, you will still be asked to fill out an application for New Life Agency, NLA, a surrogacy-specific insurer used by many of our surrogates.

Surrogacy journeys often span a year or more, and a lot can change during that long of a period of time. It is not uncommon for your employer to change providers, potentially to a carrier who does not support or cover surrogate pregnancies, for you to change jobs, or for other changes in your life situation to cause a disruption or discontinuation of your personal insurance coverage. In the event that any of these events occur, it is possible that you could be left without coverage during some part of your pregnancy. In that rare occurrence, your intended parents could face crippling and unexpected medical bills.

It is our goal to safeguard your health as well as the financial expectations of the intended parents through every stage of your journey. As a result, we often ask intended parents to purchase a “back-up” insurance policy through NLA for unpredictable life changes.

Your life insurance policy, also purchased by the intended parents, will come through NLA. This is another reason why you’ll need to fill out application paperwork for this third party insurance agency.

If you have additional insurance questions or concerns, your Admissions Specialist will be able to answer them directly.

Dr. Kim Bergman

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 Fertility Counseling Services and 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 upcoming book, Your Future Family: The Essential Guide to Assisted Reproduction (Conari Press 2019). Dr. Bergman created her own family using third party assisted reproduction and she lives with her wife of 35 years. Her two daughters are in college.