NLA Surrogate Insurance

contractsDuring your initial conversations with us, we will begin speaking with you about the type of woman you would like to have as your surrogate. One major area of consideration will be the type health insurance that your surrogate will be using to help curb medical costs throughout the process.  

Many personal insurance policies have exclusions for coverage of surrogate pregnancies, making the surrogate’s policy invalid for this journey. As all Growing Generations’ surrogates are required to obtain insurance coverage before moving forward to the matching phase of her journey, those who can not use their personal insurance will be insured through a third party specialty insurance firm. You will be able to choose what types of insurance you would like to work with, so it is important to understand how each choice differs and could impact your journey.

Specialty insurance agencies are a sound option for intended parents as they specialize in surrogacy. As a result, they often offer packages to cover comprehensive items that are specific to IVF and surrogacy. These policies are most generally accepted by all providers and rarely force a surrogate to find a new OBGYN or hospital of delivery in order to stay in-network. The plan is also consistent, offering no threat of termination or changes through the course of your journey.

You should note that these policies do have caps in coverage and will exclude coverage for a variety of things, including any preexisting conditions. These exclusions can be for items that are commonly occurring in pregnancy. Additionally, your premiums will be higher than personal policies or Affordable Care Act policies, and will increase significantly in the occurrence of a twin pregnancy.

There is a small fee assessed by the agency for attaining pre-approval during your surrogate’s screening process. The account will be kept open for six months following the birth of the child.

In general, your process will not change based upon what insurance your surrogate carries. You will still receive a request from finance to fund your account in an amount which will cover any applicable insurance costs.

If you have additional questions on the differences in using personal insurance vs. third party specialty insurance, don’t hesitate to talk with your case specialist or finance specialist. They are experienced with both situations and are happy to help you navigate this portion of your journey.

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.