We started Gaia to give everyone who wants a family a chance to try.
Today, we fall short of that mission — partly due to eligibility criteria dictated by our insurance partners, partly because we need to manage our own financial risk to stay in the business of helping our Members — but we can promise you we work everyday to expand access to our plans.
The best way to find out if you’re eligible is to apply
When you apply to become a Gaia Member, we ask you a number of questions. We consider all your information holistically to get a full picture. Because we use a number of factors, it’s hard to clearly lay out who we’ll be able to give a plan to. And in fact, our members each have a unique story to tell.
There are some clear cut-offs
We cannot guarantee you’ll get a Gaia Plan if you meet all the criteria below. But if you don’t, we will sadly not be able to offer you a plan today.
Body mass index (BMI)
If you're planning on carrying out the pregnancy, your body mass index needs to be between 10 and 35.
Because clinics have traditionally imposed a BMI limit, there isn’t enough data (yet) for us to design plans outside of this range and get approval from our insurers. Since launching Gaia, we’ve been able to move our BMI limit from 30 to 35, and will continue to gather evidence to further improve access.
Find out your BMI
Credit score & affordability
Before we give you your loan, we need to make sure that you won’t be put into a tough financial position if and when you come to repay your cycle costs.
When you complete your credit profile, we will run a "soft" credit check and affordability check to give you your personalised interest rate and make sure the plan is fair and affordable for you. A "hard" check will only be run when you sign your Membership Agreement.
However, when you sign your Membership Agreement, our member support team will let you know that we will run a hard credit check. A hard check can impact your credit score and means that other credit lenders will be able to see that a company has run a check.
