Usually it means IVF but the embryo is then inserted into the surrogate rather than the biological mother. The surrogate then gestates and births a baby who is not related to her.
Alternately, a surrogate might be impregnated and become the biological mom. This would be an option for gay couples or for straight couples where the wife can’t/shouldn’t/won’t get pregnant or for whatever reason doesn’t want to commit their genes to another generation.
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