You will need to review the coverage your surrogate has with Kaiser to determine their policy and benefits for this. Most insurance carriers eclude surrogacy from the list of covered benefits. As for searching for and applying for a new health plan with more comprehensive benefits, this could pose a problem since most individual health plans have waiting periods for maternity of eclude this coverage altogether. If maternity benefits are included, there will likely be eclusions to surrogacy and you will also be asked on the application if there are pending plans for surrogacy. — June 9, 2009 @ 4:48 pm