Physician’s Surrogacy – the partner surrogacy agency of RSMC, accepts both “in-network” and “out-of-network” insurance. We work with Aetna, Anthem Blue Cross, Blue Shield, Cigna, Healthnet, Tricare, and United Health Care. Before your consultation, we will verify your insurance benefits and review detailed coverage information at your consultation. In cases where insurance is not accepted, our coordinators will arrange for discounted cash pricing. In cases where your insurance plan is not accepted, or your insurance does not offer coverage, we will work with you to make fertility treatment expenses affordable.