Welcome!! How exciting to be looking at adding another precious baby to the family!
#1) You'll find that we have a Classified's section here on AAS where you can either place your own ad, or respond to one that resonates w/you...or both! There are also several matching groups on FB that you can join to try and find the right match. You're just doing all of the legwork yourself as far as background checks, psych evals, attorneys for all parties, medical screening, etc.
#2) If the surrogate you match w/does not have a surro-friendly policy, then you will either have to purchase a new policy for her that would cover it, or negotiate a cash-pay option. Often times negotiating the cash pay can get you pretty big discounts. (I've seen up to 60% or even a bit more, depending on provider) Plan policies are going to vary depending on where the surrogate lives. There are a TON of new changes that are taking effect Jan.1, and it's not in our favor. There have been quite a few carriers that have dropped completely from covering surrogate pg's, a number that have added liens against the surrogates compensation (meaning that you would be responsible for any amt "up to" the amt of compensation and only then would that policy cover....potentially) and a number that have literally dropped out completely. Unfortunately open enrollment only goes to Dec.15, depending on what state the surrogate resides in. Some, like MN, are allowing it up until almost the end of Jan. in the Marketplace.
#3) There are a number of good agencies and they don't have to be near you. There is a FB group for Surrogate Agency Reviews that is a great resource, as well as using our Search feature here on AAS, and a simple Google search. If you have questions and the other suggestions weren't helpful, then just ask away.