Why We Need Your Insurance Information


During your initial application and screening process we will be asking you for a lot of information. Part of this process involves you granting us access to your insurance information, typically by providing us with your online insurance login and password. We understand that being asked to share this information can seem scary, and that you may have some initial concerns as to why we’re asking you for this information.

Sharing this information with us saves you some legwork, and allows us to help you navigate the often confusing world of insurance policies and coverage exclusions. Once our Insurance Specialist has gained access to your online insurance profile they’ll be reviewing your benefits package looking for just one thing; your insurance company’s policy on surrogate pregnancies. By allowing our team to sort through your extended policy inclusions and exclusions, you’re saving yourself that chore. Our staff is used to reading insurance jargon and will be able to easily find that important answer.

Roughly 30% of private insurance companies will cover a surrogate pregnancy. If your insurance does cover, or at least does not explicitly deny coverage for, surrogate pregnancies we will then talk with you about the many benefits of using your personal insurance for your journey. The benefits extend to you and your future intended parents, making the use of private insurance highly desirable for everyone involved. In the event of questionable wording we will schedule a phone call between you, your insurance company, and a member of Growing Generations’ staff. On that call we will attempt to obtain verbal and potentially written assurance of coverage.

By attaining this promise of coverage prior to beginning your journey, Growing Generations is able to operate with complete transparency. We will never ask you to use your personal insurance for surrogacy without absolute assurances that the behavior is 100% approved, acknowledged, and covered by your insurance provider.

If you are able to use your personal insurance for surrogacy, your login information may also be shared with your financial specialist moving forward. This information is always kept very confidential and protected while in our care. The purpose of sharing this information with your finance specialist is to allow this person to streamline payment of your qualifying expenses as you progress through your experience.

If you have additional questions about insurance or the use of your login information, don’t hesitate to address those concerns with your admissions specialist.



*Revised 5/7/18

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.