Navigating surrogacy insurance is more daunting than ever in 2026.

Thinking you’ve found the perfect surrogate, only to worry about the massive, unpredictable expenses hiding in her insurance?

You’re not alone. As surrogacy insurance evolves in 2026, many intended parents are blindsided by exclusions, rising premiums, and devastating liens—making “insurance options for surrogacy 2026” more confusing (and essential) than ever.

In this episode, Dr. Alyssa Small Layne and Sarah Paige break down every insurance option, debunk myths about surrogacy-friendly plans, and show you how to spot red flags before you match.

Feeling overwhelmed? This discussion will help you take control, protect your budget, and safeguard your journey with confidence.

Don’t let insurance confusion steal your peace—press play to get clarity now!

What You’ll Learn:

00:00 — Why surrogacy insurance is more complicated (and expensive) in 2026

01:32 — What qualifies as “surrogacy friendly” insurance—and why it matters

05:39 — How premiums, deductibles, and out-of-pocket maxes are changing

07:16 — Liens explained: hidden risks in surrogacy insurance

13:27 — Lloyd’s of London and other alternative insurance policies you should know

15:13 — Liens vs. compensation: understanding “right to reimbursement”

27:19 — How to compare your insurance options for surrogacy in 2026

39:11 — Most common states for lien policies and insurance pitfalls

46:17 — The new surrogacy climate in California (and what it means for your journey)

Resources Mentioned:

• BloomBridge Surrogacy App

• ART Risk

• Creative Family Connections Surrogacy Law Map

Key Takeaways:

• Premiums are up 18%—out-of-pocket costs now average $10,600 per journey.

• Liens are expanding, especially in California, Oregon, Colorado, and Ohio.

• Never hide surrogacy from an insurer—it can void coverage and risk employment.

• Always compare lien policies to Lloyd’s plans to find the true cost.

• Legal support and professional insurance review are essential before matching.

🎧 Wondering which insurance options for surrogacy 2026 are right for you? Use BloomBridge to get your policy professionally reviewed before you match!

Worried about how changing abortion laws might affect your surrogacy journey? You’re not alone. In this urgent episode, Dr. Alyssa Small Layne dives into exactly how abortion laws impact surrogacy—from limiting access to IVF and restricting doctors, to threatening the very care surrogates and intended parents depend on. Even if abortion isn’t part of your plan, these laws can create roadblocks and risks for everyone trying to build a family.

Get clarity on what’s happening, why it matters now, and the concrete steps you need to protect your surrogate, your embryos, and your future.

🎧 Press play and arm yourself with vital knowledge!

What You’ll Learn:

• 00:00 — How abortion bans are already affecting surrogacy in the U.S.

• 02:15 — The hidden consequences for fertility clinics and reproductive care

• 03:12 — Why personhood laws are disrupting IVF and embryo care

• 05:19 — How Alabama’s Supreme Court decision impacted IVF treatments

• 07:41 — The “abortion ban domino effect” and its reach across surrogacy

• 10:03 — How surrogacy and termination laws intersect—and what it means for you

• 11:29 — What you must do before matching with a surrogate in restrictive states

• 13:30 — Why every surrogacy plan should include termination discussions upfront

• 15:13 — The medical malpractice paradox that’s making OBs scared to act

• 17:14 — How you can still protect your surrogacy journey amidst legal confusion
  

Resources Mentioned:

• ASRM Position statement on personhood
• RESOLVE personhood statement
  

Key Takeaways:

• Surrogacy care is being impacted by legal ambiguity, and every intended parent needs to stay informed

• Personhood laws threaten more than abortion—they could impact IVF access and embryo storage

• Abortion-related legal changes are pushing OB/GYNs out of the field, leading to surrogate care shortages

• You must discuss termination and know your surrogate’s stance before moving forward

• Proactive legal planning is your best defense in navigating this changing landscape
  

Start your surrogacy journey with clarity and protection—don’t skip the legal preparation.

📱 Download the BloomBridge app today to access tools and guides that prepare you for every step of the surrogacy process.

“When abortion laws change, fertility care changes. And your surrogacy journey needs to be ready for it.”

Dr. Alyssa Small Layne digs into why Bloomberg’s “IVF Disrupted” resonated so widely and what it reveals about the modern fertility industry. She explains how a specialty that once covered broad reproductive care narrowed to one core product—IVF—then absorbed private-equity incentives and startup-style operations. The result can be speed over safeguards, glossy lobbies over lab quality, and patients left guessing about real risk.

In this episode, you’ll learn how to look past marketing, ask process-focused questions, and spot profit-driven decisions before they shape your care. Press play to learn how to evaluate clinics with clarity and confidence.

What You’ll Learn:

03:14 — How REI shifted from medicine to marketing

04:50 — Why private equity targets IVF clinics

06:52 — How fast growth leads to dangerous mistakes

08:20 — Real cases of embryo mix-ups and clinic errors

14:30 — The lab procedures you never get to see

16:50 — Why clinics reject patients to protect success rates

17:34 — Add-on procedures that increase cost but not outcomes

19:39 — How intended parents can push for industry change

Resources Mentioned:

• BloomBridge Surrogacy App

• SMS#47 Hidden Risks of PGT-A Testing in IVF and Surrogacy - Allison Freeman

• IVF disrupted: The Kindbody story

Key Takeaways:

• A narrow, procedure-driven model can sideline safety and transparency.

• Lobby aesthetics never substitute for validated lab processes and controls.

• Profit incentives may shape add-ons, timelines, and who performs procedures.

• Ask precise, process-focused questions to evaluate real clinic safeguards.

Choosing or re-evaluating a clinic? Use today’s questions to assess lab quality, staffing, and add-on recommendations—then press play for the full guide.

“Don’t judge care by the lobby. Ask how the lab protects your embryos.”

When you’ve been through surrogacy once, everything changes the second time around.

In this deeply personal episode, Dr. Alyssa Small Layne shares what she and her family are doing differently on their second surrogacy journey—and how those changes can help you avoid common setbacks, delays, and disappointments.

From choosing not to rush, to using the Surrogacy First Six, to prioritizing proximity and emotional alignment over speed, this episode is a masterclass in intentional surrogacy planning.

Whether you’re just starting out or already navigating your second (or third) journey, Alyssa walks you through 10 key things they’re doing differently—and why BloomBridge was built to simplify it all for other parents.

What You’ll Learn:

• 00:52 — Why they’re building BloomBridge while doing surrogacy again

• 03:36 — The first time vs second time: what they wish they knew

• 05:18 — What their “200-page Google Doc” turned into

• 07:50 — Why DIY surrogacy research wastes more than time

• 08:28 — New approach to matching with surrogates through BloomBridge

• 09:31 — Why compatibility scores and ID verification matter

• 11:21 — How they’re preparing potential surrogates before matching

• 12:12 — Why they’re not using a traditional agency—and how concierge support might replace it

• 13:18 — Clarifying that BloomBridge supports both independent and agency-based paths

• 14:49 — How the Surrogacy First Six became a filter to prevent misalignment

• 16:45 — The power of saying no and being picky

• 17:28 — Why proximity (driving distance) now matters more than ever

• 20:12 — The “small red flag” story they ignored last time (and now won’t)

• 21:20 — Why they’re using escrow this time—and how it avoids financial conflict

• 22:40 — Alyssa’s healing experience with induced lactation after hysterectomy

• 24:32 — The push present she wishes she had: a postpartum doula

• 27:26 — What a great doula actually did for their family

• 30:17 — Why nutrition planning with Green Chef became their postpartum secret weapon

• 33:30 — What this second journey is really about: doing it better—and doing it for you, too
  

Resources Mentioned:

(Note- This post includes an affiliate link. That means if you try Green Chef through our link, we may receive a small thank-you commission—at no extra cost to you. We only share things we genuinely use and recommend.)

• BloomBridge Surrogacy App

• View Our Public Intended Parent Profile (please share)

• Free Box of Green Chef (affiliate link)

• Surrogate Vetting Essentials Guide

Thinking about surrogacy—or doing it again? 💡 Start where Alyssa did this time: with BloomBridge. 💻 Create your free profile, explore vetted surrogates, and plan your next steps with tools built for you.

“We’re still living the story, but now—as we walk—we’re creating the map.”

Double embryo transfer (DET) is often discouraged in surrogacy—but are there ever exceptions?

In this follow-up to their powerful SET vs. DET conversation, Dr. Alyssa Small Layne welcomes back Dr. Erica Bove to explore the rare—but real—cases where two embryos might be transferred into a surrogate. Together, they explore age-based ASRM guidelines, the impact of embryo quality, endometriosis, failed cycles, and how patient history can influence decision-making.

They also discuss surrogate qualifications, uterine environment, legal contracts, and the emotional nuances that make this one of the most complex decisions in modern family-building.

What You’ll Learn:

• 00:50 — Why single embryo transfer (SET) is still the gold standard

• 02:04 — The ASRM exceptions for older eggs, day-3 embryos, or poor prognosis

• 04:21 — How genetic testing changes the equation completely

• 05:30 — 30–50% twin risk with two euploid embryos

• 06:13 — Why most OBs are still “twitchy” about DET—even in IVF

• 07:09 — Whether failed transfers or miscarriages justify DET

• 08:13 — The miscarriage data no one talks about with twins

• 09:08 — Endometriosis and embryo quality—even in a new uterus

• 10:42 — Whether surrogate height or twin history matter (data vs assumptions)

• 12:22 — Why surrogacy matching must include detailed contracts and expectations

• 14:35 — The role of values, identity, and support in surrogacy decision-making

• 16:44 — Why traditional fertility support groups don’t always work for surrogacy parents

• 18:51 — The need for dedicated surrogate-focused support and coaching

• 21:57 — The unseen stress surrogates face—and why they deserve emotional support too

• 23:46 — How Dr. Bove’s coaching changed her practice and patient relationships

• 26:52 — The #1 message Dr. Bove wants every intended parent to remember
  

Resources Mentioned:

• Surrogate Vetting Essentials⁠⁠⁠⁠
• ⁠⁠⁠BloomBridge Surrogacy App⁠⁠⁠
• ⁠⁠⁠⁠ASRM Guidelines⁠⁠⁠
• Dr Erica Bove- ⁠⁠⁠Instagram⁠⁠⁠ and ⁠⁠⁠Website⁠⁠⁠

Key Takeaways:

• Even in rare cases, DET requires deep evaluation of egg quality, age, history, and uterine environment

• PGT-A tested embryos dramatically raise the chance of twins—up to 50%

• Height and prior twin deliveries may be helpful—but evidence is still anecdotal

• Legal contracts and clear emotional support plans are critical in complex surrogacy cases

• Surrogates deserve emotional care—not just medical clearance
  

Planning your embryo transfer? 📱 Use BloomBridge to plan your full journey—transfers, timelines, and emotional support included.

“More efficient isn’t always safer. A single embryo transfer is still the best path to a healthy baby.”

Should you transfer one embryo—or two?

In this episode, Dr. Alyssa Small Layne sits down with reproductive endocrinologist and OB/GYN Dr. Erica Bove to talk about one of the most emotionally charged and medically controversial decisions in IVF and surrogacy: single vs. double embryo transfer (SET vs DET).

From real-life patient stories to hard NICU truths, Dr. Bove shares why many doctors are urging families to think twice about twin pregnancies—even if they seem like the faster or more affordable option. You’ll learn about the hidden risks, financial trade-offs, ethical gray zones, and what ASRM guidelines actually say about embryo transfer in surrogacy cases.

This conversation is especially important for intended parents considering transferring more than one embryo—and for those who think “more is better.”

What You’ll Learn:

• 00:52 — What SET and DET really mean in IVF and surrogacy

• 03:59 — Why multiple embryo transfer used to be standard practice

• 05:49 — Does transferring two embryos give you a better chance?

• 07:29 — The financial argument for DET—and its hidden flaws

• 08:32 — The emotional cost of doing surrogacy twice

• 10:53 — What if each parent wants a biologically related child?

• 12:47 — Why OB/GYNs “twitch” when patients ask for DET

• 13:50 — The hard facts about twin pregnancies: early births, NICU stays, and long-term disability

• 16:14 — Why twins are medically riskier for both the surrogate and the babies

• 17:04 — What the ASRM guidelines recommend—and why

• 19:26 — What you’re really signing up for when you choose DET

• 20:02 — How embryo splitting can lead to unexpected triplets or quadruplets

• 21:55 — Real stories of selective reduction—and the emotional toll

• 23:08 — How medical ethics come into play when DET is requested

• 24:57 — When double embryo transfer might be considered (and who decides)

  
  

Resources Mentioned:

• ⁠Surrogate vetting essentials⁠⁠

• ⁠BloomBridge Surrogacy App⁠

• ⁠⁠ASRM Guidelines⁠

• ⁠Dr Erica Bove- ⁠Instagram⁠ and ⁠Website⁠

Key Takeaways:

• SET is almost always safer—for the babies, surrogate, and your long-term outcomes

• DET comes with higher risks: preterm birth, NICU time, and pregnancy complications

• The financial “savings” of twins often disappear in NICU bills and long-term care

• Your decision affects not just you, but your surrogate—and that relationship matters

• You can still have two children—just not always in one pregnancy
  

Thinking about transferring more than one embryo? 🎧 Start with this episode, then download the ASRM guidelines and review your clinic’s policies.

📱 Explore BloomBridge for vetted surrogacy tools, smarter decisions, and support for both heart and science.

“You can put in two embryos and still end up with four babies. Are you ready for that?”

The traditional surrogacy match system isn’t working. Whether you’re with an agency or searching independently, most intended parents are unknowingly set up to fail—or settle.

From long waitlists and lack of transparency to mismatches and hidden costs, Alyssa breaks down the outdated dynamics inside both agency and independent paths. She shares why how you find a surrogate matters just as much as who you match with—and introduces a better way forward through the BloomBridge platform.

What You’ll Learn:

• 00:00 — Why online matching groups can be risky

• 01:46 — The two ways to find a surrogate (agency vs independent)

• 03:29 — Why agencies feel “safe” but aren’t always regulated

• 05:20 — Alyssa’s personal journey comparing 20+ agencies

• 06:02 — The tool she created to simplify agency research

• 07:41 — What really happens when agencies “match” you

• 09:18 — What independent matching is (and isn’t)

• 11:11 — How Alyssa matched in 8 weeks vs a 2-year agency quote

• 12:06 — The truth about disqualified surrogates in online spaces

• 13:55 — The emotional cost of the traditional match process

• 15:20 — Why most intended parents are worn down before they match

• 16:14 — What BloomBridge is doing differently to fix the system

• 17:46 — What “the right match” really means for your journey

• 18:23 — Recap of key takeaways and tools you can use right now
  

Resources Mentioned:

• BloomBridge Surrogacy App

• Surrogacy SmartSheet

Key Takeaways:

• The match process is outdated, slow, and often lacks transparency

• Agencies vary wildly—there’s no regulation and little accountability

• Independent matching can work—but only with strategy and vetting tools

• Most intended parents are stuck in a system that drains their energy

• BloomBridge makes surrogates visible, organized, and accessible—finally
  

If you’ve been spinning your wheels with agencies or burned out by online matching groups, it’s time to take control. ✨ Download the BloomBridge app to start seeing real surrogate options and make informed, empowered decisions from day one.

“The system isn’t broken—it’s just outdated. You deserve more than hoping and waiting. You deserve to choose.”