Surrogate Insurance

erinpic1During 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 of health insurance that your surrogate will be using to help curb medical costs throughout the process.

This insurance is generally provided through a third party agency, since many insurance policies can include exclusions for coverage of surrogate pregnancies. However, there are some insurance providers who are willing to cover surrogate pregnancies, allowing the surrogate to use her own personal insurance for the journey. You will decide which insurance options you’re open to working with, so it is important to understand how they differ.

We find that just over 30% of our surrogates are able to use their own insurance for their surrogacy journeys. This option is desirable for a number of reasons. The first being that it can represent a substantial cost savings to the intended parents, sometimes in excess of $20,000. Additionally, there are no caps in coverage, and there will be few exclusions- if any. Another added bonus is that your cost will not increase in the instance of multiples.

By using the surrogate’s personal insurance, you will be required to fund her annual premium for each calendar year in which the journey extends. There is also an administrative fee for Growing Generations’ management of the policy. The account will be kept open roughly 13 months following the birth.

Another added benefit to using your surrogate’s personal insurance is that it guarantees that she will be able to work with care providers that she is already familiar with who have an established relationship with her outside of this journey. While this may have little to no impact on you, it can offer your surrogate a great deal of assurance and stability throughout her pregnancy.

Additionally, there are a few cons to consider when it comes to using personal insurance. Namely, it can be changed or lost at any time if her or her spouse’s employer changes insurance plans or carriers, or terminates employment. For this reason, we generally advise purchasing a backup plan as well. Additionally, surrogates using Kaiser insurance plans will not be compatible with international intended parents. Keep in mind that only considering surrogates that use their own insurance policies may also extend your wait time to be matched, as roughly only 30% of surrogates fall into this category.

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 for an amount that 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.