With so many moving parts to surrogacy it is no wonder the process can be overwhelming. Learning to be your own best advocate, effectively planning financially, physically and financially help you maximize your chances of success and minimize your financial expenditure.

The first step in building the foundation is preparing to pay for treatment and the ancillary costs associated with surrogacy. Finances are specific to individual circumstances. Sometimes savings are available, often the sale of portfolio items are used to fund treatment. A third popular option are various borrowing opportunities. All of the above should be discussed with a tax professional and or financial planner in the context of your individualized circumstances. It is also vital to plan and prepare for multiple treatment cycles. In my experience balancing hope with caution is what helps my clients to approach treatment with clear expectations and realistic parameters.

The second step in building the foundation is to identify the fertility center, the Reproductive Endocrinologist and the Embryologist who have above national average success rates for the type of treatment you are exploring as well as a specialty in treating your specific diagnosis.

The next resource is identifying the right donor and/or surrogate. Seeking ideal criteria in a perfect stranger is often a very intimate process. There is always some level of risk in the decision making process. Being your own best advocate is helpful in mitigating and or eliminating potential stumbling blocks. Identifying a candidate on line can be risky since they are not screened and you will not have the benefits of a third party to act as an intermediary. On the other hand, it is necessary to be aware of onerous contracts with recruiting agencies.

The fourth brick in the foundation is understanding the legal terrain and how it affects your specific situation. Surrogate friendly states vary across the country. Surrogate friendly means that parentage can be achieved at some future point after birth. But from state to state this varies greatly. Some states require pre birth orders to get intended parents names on the birth certificate after the birth and other states require a formal adoption after the surrogate delivers. Other states are favorable in getting intended parents names on the birth certificate at birth, as long as one parent is biologically related to the child. Furthermore, often how the embryos are created, and with whose biological material is relevant to the big picture. Thus, the individualized situation can and does impact the selection of a surrogate candidate from state to state. Finally, selecting a surrogate with like-minded intentions for the term of the pregnancy is essential.

There is still more to consider. Most health insurance policies have exclusions for surrogates. Therefore, it is essential to analyze policy alternatives that may help you to save thousands of dollars in the future. Some states offer maternity policies, other states offer nothing. Disability and complications only polices can often be purchased to offset financial risk. But it is the gap analysis performed by the licensed insurance agent that can help uncover what is best for your given situation, the surrogate, the state where she will deliver, and how these factors impact your individual risk adversity given your personal financial situation.

Another extremely important and often overlooked resource in family building is estate planning. Prior to surrogates going to embryo transfer it is essential to engage an estate planner to draft directives and desires and prepare effectively for any unforeseen circumstances. This provides the most protections for all involved parties.

Building the foundation for treatment is essential. Knowing all available options, researching the viability of each options, interviewing several reproductive specialists to determine if you are in the right place are all very relevant and key factors to consider before patients begin the journey.

When making educated decisions to pursue treatment options, I encourage my clients to take into consideration all the facts. Because making informed medical decisions is the best way to maximize their chances of success and minimize their financial expenditure.

As one of the first infertility consultancies in the United States, Lotus Blossom Consulting, LLC was founded by Mindy Berkson in 2005. With more than a decade of experience at physician’s offices, and egg donor and surrogacy agencies, Berkson assists individuals working through the often-challenging roadblocks of infertility, by providing the best information and resources available to them from around the world – all in one location.

Lotus Blossom Consulting works with individuals on a case-by-case basis, taking into consideration clients’ emotional, physical and financial infertility issues and then develops an individualized, comprehensive plan, to help clients make informed decisions and pull together a team of unbiased professionals to accomplish a treatment cycle. Mindy is a sought-after infertility expert and has appeared on countless media programs and speaker panels educating audiences on the topic of infertility, egg banking and surrogacy. For more information about Lotus Blossom Consulting, LLC, call toll free (877) 881-2685, email mindy@lotusblossomconsulting.com or visit the web at www.lotusblossomconsulting.com or www.infertilityconsultant.com.

With the donor egg and sperm shortage, anonymity laws and the limited access to surrogate candidates, more and more consumers / patients from European countries are traveling abroad to seek treatment options that will help them have their own biological children.

The term “Medical Tourism” has gained popularity over the years, but it truly involves embarking on an unknown journey when exploring healthcare options in foreign countries.  Knowing how to identify appropriate resources and engaging unbiased professionals can be risky and sometimes a bit overwhelming and scary.  Healthcare decisions and most importantly, the operation of the healthcare system in the US in particular, is very different than the healthcare networks in other continents.

At Lotus Blossom Consulting (LBC) our mission as patient advocate is to arm consumers/patients with information and education to make the best medical choices abroad. Providing clients with targeted questions specific to their diagnosis, identifying resources to suit individual criteria and securing a team of unbiased multi-disciplinary professionals are all essential elements to successfully overcoming infertility. Working with the Consultants at LBC, you will be assisted every step of the way from securing your hotel and travel accommodations to identifying your ideal team of worldwide professionals which includes reproductive endocrinologists, embryologists, attorneys, financial and estate planners, insurance agents, immigration attorneys, and translators, to help you through a successful fertility arrangement.

One factor that can significantly increase the overall price of treatment for international clients is the lack of insurance coverage. In our experience, the best insurance options are selected after a thorough evaluation performed by a licensed insurance agent to make the best possible choices available to mitigate financial risk factors while simultaneously addressing individual risk adversity. LBC Consultants work very closely with teams of insurance agents to identify policies and plans that suit all parties in the surrogacy arrangement.

Working with our consultants will help streamline the fertility process from beginning to birth, and most importantly, help maximize your chances of success and minimize your financial expenditure. But our work does not stop there.  Even after the birth, we work closely with teams of immigration attorneys and estate planners to ensure that intended parent(s) are well informed and educated about the advantages and disadvantages of various options. This is critical to the decision making process at birth, as it can greatly affect the ability to legally return to your home country with your child(ren), as well as impact the future lifestyle of your new family unit.

Lotus Blossom Consulting works with individuals from across the globe on a case-by-case basis to help facilitate the infertility process, taking into consideration clients’ emotional, physical and financial infertility issues and then develops an individualized, comprehensive plan, to help clients make informed decisions and pull together a team of unbiased professionals to accomplish a treatment cycle. Mindy is a sought-after infertility expert and has appeared on countless media programs and speaker panels educating audiences on the topic of infertility, egg banking and surrogacy.

For more information about Lotus Blossom Consulting, LLC, 00 1 847 881 2685, email mindy@lotusblossomconsulting.com or visit the web at www.lotusblossomconsulting.com or www.infertilityconsultant.com

I am proud to announce that Lotus Blossom Consulting has officially established the Jude Andrew Adams Charitable Fund to bring new life to families who are struggling to conceive.  motivation and intention in creating this grant is to offer a free fertility treatment for those who could not otherwise afford it.  To learn more about this fund and how it came to fruition, please click here.

Applications for a free treatment cycle are now being accepted.  The board of directors will select from applicants who meet the following criteria:

• Have a history of infertility, and provide a physician documented medical indication for exploring IVF treatment along with the application
• Demonstrate a financial need; defined as a gross combined annual income less than $80,000. A copy of the last two years’ IRS tax returns and two of the most recent pay stubs is required.
• No insurance coverage for infertility treatments.
• Do not currently have any children.
• Be under age 40.
• Be current legal citizens of the United States and living in the United States at the time of the award and subsequent treatment.

Thank you all for your help and support for this great cause. 

CHICAGO, Nov. 6 /PRNewswire/ — Lotus Blossom Consulting, LLC, a Chicago-based infertility consultancy with clients around the world,announces the availability of their free E-Book, Financing Your Infertility Treatment, available on their website at http://www.lotusblossomconsulting.com. The E-Book addresses the financial aspects of infertility, and it will be available beginning with National Infertility Awareness Week, November 4 – 10, 2007, and beyond.

According to the American Society for Reproductive Medicine, most infertility cases — 85% to 90% — are treated with conventional medical therapies such as medication or surgery. Yet, infertility treatment can be costly, success rates are not guaranteed, and insurance benefits may be limited.

“Beyond simply the medical issues, there are so many factors to consider when dealing with infertility,” says Mindy Berkson, co-founder  Blossom Consulting. “Proper financial planning and utilization of insurance benefits in the right order can help you effectively minimize costs, maximize insurance benefits, and save significant out of pocket expenditures. Lotus Blossom’s E-Book can help.”

The E-Book, Financing Your Infertility Treatment, provides an overview of financing options available, with particular emphasis placed on individualized tax situations, specific insurance benefits, and the total financial resources available before undergoing the infertility journey.For more information on the E-Book, contact Lotus Blossom Consulting tollfree at (877) 881-2685, email consultant@lotusblossomconsulting.com or visit them on the web at http://www.lotusblossomconsulting.com.

ABOUT LOTUS BLOSSOM CONSULTING, LLCAs one of the first infertility consultancies in the United States,Lotus Blossom Consulting, LLC was founded by Mindy Berkson in 2005 after her own personal battle with secondary infertility. With extensive experience in all aspects of infertility, from egg donors and surrogates to in-vitro fertilization, Lotus Blossom Consulting works with individuals on a case-by-case basis, taking into consideration clients’ emotional,physical and financial infertility issues then develops an individualized,comprehensive plan, including relevant insurance information, to help clients make informed decisions. Lotus Blossom Consulting has worked with many individuals to enrich their lives by helping them to fulfill their dreams of having children.

For more information about Lotus Blossom Consulting, LLC, call tollfree (877) 881- 2685, email consultant@lotusblossomconsulting.com or visitthem on the web at http://www.lotusblossomconsulting.com.

Before beginning any discussion about insurance coverage, it’s important to explain the status of fertility benefits in the United States. Not every employer is required to cover fertility treatments; this benefit is delineated per state.

“The economics of health care is of vital importance to our patients, and to society generally. Using a standard measure like cost per additional year of life, infertility treatments are one of great bargains in modern health care,” stated David Adamson, MD, President-elect of ASRM. (Full Article Here)

Wow! It was actually shown in a study that adding ART as a benefit of a health insurance plan only increased the cost of insurance per member an eensy weensy bit.

The ASRM is the American Society of Reproductive Medicine. The information and studies they do are published in peer-reviewed journals (the good kind) and the results are really promising!