Medical Process - Gestational Surrogacy

The Surrogate will be put on birth control pills to coordinate her cycle with that of the Prospective Mother or Egg Donor. She will take a medication called Lupron, which is used to manipulate her ovaries and prevent them from releasing any eggs. The Prospective Mother/Egg Donor will generally commence the use of Lupron or equivalent medication to manipulate the timing of the release of eggs. At the appropriate time, the Surrogate will begin taking supplemental estrogen to influence the development of her endometrial lining and the Prospective Mother/Egg Donor will commence administration of ovarian stimulation medications. The clinic will monitor the development of the Surrogate's lining via internal ultrasounds and the Prospective Mother/Egg Donor's follicle development; both parties will have periodic blood tests to monitor hormone levels. Approximately three days prior to the embryo transfer, the Surrogate will commence taking supplemental progesterone to nourish the anticipated pregnancy. At the appropriate time, the Prospective Mother/Egg Donor will be told when to administer an hCG (Human Chorionic Gonadotropin) injection, which must be given at the precise time instructed, triggering ovulation. The egg retrieval procedure will take place 35-36 hours after the hCG injection is given. The eggs are harvested under a "light" general anesthesia. The eggs will then be fertilized with the Prospective Father's sperm (or donor sperm). Generally, three to five days later, a specified number of embryos (typically two) will be transferred into the Surrogate's uterus. After clinical confirmation of pregnancy by blood test (beta hCG) and another test two days later to confirm the number is going up appropriately, the Surrogate will be scheduled for a pregnancy confirmation ultrasound (approximately 4 weeks from the date of the embryo transfer) to see the fetal heartbeat. She will have two more ultrasounds to confirm fetal development until she is 9-12 weeks pregnant, when she will be weaned off the supplemental hormones and "graduate" from the clinic and begin obstetrical care.

Payment of Medical Expenses

All expenses relating to the Surrogate's medical screening, IVF and fertility specialist fees, and any other charges by your clinic or the monitoring clinic, if any, are paid by you directly, with the exception of some screening labs, cycle labs, and medications, which are paid out of the Escrow Account (if not included in the clinic's cycle fee). Once your Surrogate is pregnant and released from the care of the fertility clinic, her health insurance policy will be utilized (see "Health Insurance", below). You will pay any charges not covered by the Surrogate's insurance through the Escrow Account, such as co-payments and deductibles, as well as health insurance premiums if a policy is procured to cover the Surrogate's pregnancy. The Case Coordinator will monitor these expenses to ensure their timely payment. Any expenses paid directly by the Surrogate (i.e. doctor visit or prescription co-pays) will be reimbursed to her upon presentation of receipts, and will generally be included with her monthly allowance check.

Surrogate' Health Insurance

If the Surrogate has a health insurance policy, the Evidence of Coverage for the then current year will be obtained and reviewed by Baby Miracles to make a determination as to whether there is an exclusion for a surrogate-related pregnancy. If there is no exclusion, you may elect to have the surrogate utilize her insurance for the anticipated pregnancy and delivery (provided she agrees). If the policy does not address surrogacy or contains a specific exclusion, an individual policy must be purchased that specifically includes coverage of expenses incurred for a surrogate mother. If you elect to utilize the Surrogate's own policy, you would be responsible for any co-pays and deductibles associated with the pregnancy, delivery and post-partum follow-up care. If an individual policy is required, an insurance specialist will assist your Surrogate in obtaining an individual policy that will cover the pregnancy and for three months following delivery. Due to healthcare reform in the U.S., there is a three-month "open enrollment" period (November 1st through January 31st ) in which to apply for health insurance. If a surrogate does not have a health insurance plan or hers does not cover expenses for a Surrogate Mother, and the open enrollment period has passed, there is a “gap insurance” option so it would not be necessary to wait for the next open enrollment period. Alternatively, the embryo transfer cycle could be timed such that your Surrogate would reach 11 weeks of pregnancy around the first of the next calendar year, when the individual policy would go into effect.

Intended Parents' Health Insurance

The costs associated with the baby's medical care are the legal and contractual responsibility of the Intended Parents from the moment the baby is born. The type of coverage will depend upon your residency and citizenship.
Domestic Couples: A policy of health insurance that will cover the baby(ies) must be in place prior to your Surrogate becoming pregnant and maintained for the duration of the pregnancy and following delivery while the baby is in the hospital.

International Couples: While some international couples may have travel insurance that includes dependents born abroad (typically where international travel is required for their jobs), health care coverage options for babies born to non-U.S. residents are limited. Below are two companies that specialize in newborn health care coverage. The information provided originates from the companies and is provided for convenience only; Baby Miracles has no direct affiliation with any third party lenders. All communications for coverage shall be the responsibility of the Prospective Parents.


Surrogacy Insurance
Tel. +1 206 453 0338

We believe families of all shapes and sizes should have access to insurance coverage no matter how your newborn was conceived. It’s a stressful time. Let us take on the risks of medical costs so you can focus on your family. Surrogacy insurance regardless of citizenship.

Minimize Risks - Implement an insurance plan that has unlimited benefits and is not capped at a small amount, for about the same costs as other providers. Getting insurance is not the whole battle, making sure they pay all the bills is how we measure success.
We can even assign all risk to ourselves to reduce your risk to 0. Let us take on personal liability if there is an issue – so they come after us, not you.

New Life Agency
Our International Newborn Care Plan® Medical Insurance provides international clients with NICU & Well Baby Insurance for their newborn while in the U.S.A., immediately following birth. Multiple insurance choices providing $100,000 – $500,000 of insurance coverage.