Surrogacy Expenses Explained- Guide for Intended Parents

Surrogacy is a popular option for couples who are unable to conceive a child naturally. However, the 3 can be a significant barrier for many families. In this blog post, we will explore the various factors that contribute to the cost of surrogacy and provide a comprehensive breakdown of the expenses involved.

How much does surrogacy cost in the USA?

Surrogacy is a complex process that involves various expenses, including medical, legal, and agency fees, surrogate compensation, and insurance coverage. The cost of surrogacy can vary significantly depending on the destination country, the specific program, and the services included.

For example, the cost of surrogacy in the United States ranges from $130,000 to $160,000, while international surrogacy can cost as little as $50,000 in Eastern Europe or South America.

Factors that affect the cost of international surrogacy include the destination country, medical, legal, and agency fees, surrogate compensation, screening and support services, and insurance coverage. It’s important for intended parents to carefully consider these factors and thoroughly research the costs and regulations in their chosen destination before pursuing surrogacy. Seeking guidance from experienced professionals can help in understanding the full scope of costs and making informed decisions.

Additional Resources:

How Much Does Surrogacy Cost?

Everything You Need To Know (in 2023)

How Much Does Surrogacy Cost Using Family Member

Can My Insurance Provider Pay My Surrogacy Costs?

How Much Does Surrogacy Cost in the USA ( 2023)?

Surrogacy Costs Breakdown for Intended Parents

Factors that Affect the Cost of Surrogacy

The cost of surrogacy can vary depending on several factors. Some of the factors that affect the cost of surrogacy include:

– Legal services: Legal fees can be a significant expense in the surrogacy process. Intended parents will need to work with a lawyer to create the necessary documents that outline the terms of the surrogacy agreement.

– Medical expenses: Medical expenses can include the cost of in vitro fertilization (IVF), embryo creation, and other medical procedures required for the surrogacy process.

– Surrogate compensation: Surrogate compensation is one of the most significant expenses in the surrogacy process. Surrogates are compensated for their time, effort, and the risks associated with carrying a child.

– Surrogacy agency fees: Surrogacy agencies provide a range of services, including matching intended parents with surrogates, managing the surrogacy process, and providing support throughout the journey. These services come at a cost, and surrogacy agency fees can vary widely.

– Travel expenses: Travel expenses can include the cost of travel for the surrogate, intended parents, and medical professionals involved in the surrogacy process.

– Use of donor eggs or sperm: The use of donor eggs or sperm can add to the cost of surrogacy.

– Number of IVF cycles to achieve pregnancy: The number of IVF cycles required to achieve pregnancy can impact the overall cost of surrogacy.

– Use of additional techniques like PGT: The use of additional techniques like preimplantation genetic testing (PGT) can add to the cost of surrogacy.

– State where the surrogacy is pursued: The cost of surrogacy can vary depending on the state where the surrogacy is pursued.

Surrogacy Cost Breakdown

According to various sources, the cost of surrogacy in the US ranges from $110,000 to $170,000, including agency fees, surrogate compensation, legal fees, and medical costs. However, the cost can vary depending on individual arrangements and circumstances.

Here is a breakdown of the potential expenses involved in the surrogacy process:

– Legal fees: $7,000 to $15,000

– Medical expenses: $20,000 to $50,000

– Surrogate compensation: $30,000 to $50,000

– Surrogacy agency fees: $20,000 to $30,000

– Travel expenses: $5,000 to $10,000

– Use of donor eggs or sperm: $10,000 to $20,000

– Number of IVF cycles to achieve pregnancy: $10,000 to $20,000

– Use of additional techniques like PGT: $5,000 to $10,000

Low-Cost Surrogacy Options

For families who are unable to afford the high cost of surrogacy, there are some low-cost surrogacy options available. These include:

• Surrogacy grants: Some organizations offer surrogacy grants to help families cover the cost of surrogacy.
• Surrogacy financing: Some surrogacy agencies offer financing options to help families pay for the cost of surrogacy over time.
• Surrogacy cost-saving tips: Families can save money on surrogacy by negotiating fees, choosing a surrogate who lives nearby, and using a surrogate who has already had a successful pregnancy.

How can intended parents finance surrogacy expenses

Financing options for surrogacy include personal loans, grants, fundraising, and fertility financing loans. It’s important for intended parents to carefully consider these factors and thoroughly research the costs and regulations in their chosen destination before pursuing surrogacy. Seeking guidance from experienced professionals can help in understanding the full scope of costs and making informed decisions.

How intended parents can finance surrogacy expenses:

1. Personal Loans: Intended parents commonly rely on loans to help cover the costs of surrogacy. This can include traditional lines of credit, like home equity loans, credit cards, and loans specifically for fertility treatments.
2. Grants and Fundraising: Many intended parents apply for grants and organize fundraising events to offset surrogacy costs. Community fundraising events and surrogate and fertility grant programs are excellent ways to fund a surrogacy journey.
3. Fertility Financing Loans: Certain financial organizations specialize in fertility financing, offering loans specifically for fertility treatments and surrogacy. Many lenders provide loans to couples looking for gestational surrogacy financing.
4. Insurance Coverage: Evaluating the medical costs covered by insurance and researching options for insuring the surrogate and the baby can help manage surrogacy expenses.
5. Family Support: Borrowing money from friends and family is another option to help fund the surrogacy journey. Some relatives are willing to provide a personal loan or financial support.
6. Budgeting and Planning: Meeting with a financial planner to discuss family-building goals, setting savings goals, and creating a budget for the surrogacy journey can help manage expenses.
7. Evaluating Costs: Understanding the various expenses involved in surrogacy, such as agency fees, medical costs, insurance coverage, and legal and administrative expenses, can help intended parents make well-informed financial decisions.

These financing options can help intended parents manage the significant investment involved in the surrogacy process. It’s important to carefully research each option and consider the specific financial circumstances before making decisions.

Surrogacy costs resources worldwide: 

Top 4 cheapest countries for surrogacy

Best Countries for Surrogacy 2023- Top International Destinations

Risks of international surrogacy 

Global International Surrogacy Options

Surrogacy In Mexico-Everything Intended Parents Need To Know

Cheapest Country For Gay Surrogacy- Colombia

Low-cost surrogate mother in Argentina 

Low-cost surrogate mother in Kazakhstan 

Tips to reduce the surrogacy cost?

Here’s a listicle on how intended parents can reduce the costs of surrogacy:

1. Choose a Reputable Agency: Selecting a trustworthy surrogacy agency can help ensure that the process is managed efficiently, potentially reducing the risk of unexpected costs and delays.
2. Consider a Friend or Family Member as a Surrogate: Asking a friend or family member to carry the baby can significantly reduce surrogacy costs, as it eliminates the need to pay a surrogate.
3. Evaluate Insurance Coverage: Understanding the medical costs covered by insurance and researching options for insuring the surrogate and the baby can help manage surrogacy expenses.
4. Consider International Surrogacy: Exploring surrogacy options in countries with lower costs, such as Ukraine or Georgia, can significantly reduce the overall expenses associated with surrogacy.
5. Flex Spending Account: Putting the maximum amount possible into a Flex Spending Account can help cover medical expenses related to surrogacy.
6. Tax Write-Offs: Some medical expenses related to surrogacy may be tax-deductible. Consulting with an accountant can help identify potential tax benefits.
7. Negotiate Medical Bills: Negotiating medical bills and paying for certain medical expenses in cash can help reduce costs associated with surrogacy.
8. Side Hustle: Finding a second job or a side hustle can provide additional income to offset the costs of surrogacy.
9. Borrowing from Friends and Family: Some relatives may be willing to provide a personal loan or financial support to help fund the surrogacy journey.
10. Budgeting and Planning: Meeting with a financial planner to discuss family-building goals, setting savings goals, and creating a budget for the surrogacy journey can help manage expenses.

Conclusion for Surrogacy Expenses Explained

The cost of surrogacy can vary significantly depending on various factors, including the destination country, medical, legal, and agency fees, surrogate compensation, and insurance coverage. The average cost of surrogacy in the United States ranges from $130,000 to $160,000, while international surrogacy can cost as little as $50,000 in Eastern Europe or South America.

Factors that affect the cost of surrogacy include the number of cycles until successful conceiving, medical costs, insurance coverage, and legal and administrative expenses. It’s important for intended parents to carefully consider these factors and thoroughly research the costs and regulations in their chosen destination before pursuing surrogacy. Seeking guidance from experienced professionals can help in understanding the full scope of costs and making informed decisions.

If you’d like to learn more about IVF, Egg Donation, or surrogacy services globally, check out the rest of our website at  IVF Conceptions. We offer legally secure and affordable surrogacy consulting services for FREE.

Here is a table of the cheapest countries for surrogacy:

 

Country	Regulation & Organization	Who are allowed to participate	Surrogacy Cost	Legal Assurance
Colombia	Altruistic	Singles, gay couples, hetero couples	Affordable $70,000	Reliable
Mexico	Altruistic	Singles, gay couples, hetero couples	Affordable $70,000 to $80,000	Reliable
USA	Commercial	Singles, gay couples, hetero couples	Costly $150,000+	Strong
Ukraine	Commercial	Hetero couples	Affordable $60,000	Strong
Georgia	Commercial	Hetero couples	Affordable $60,000	Strong
Greece	Altruistic	Hetero couples and single women	Affordable $80,000	Strong

 

 Our team has over 13 years of experience facilitating surrogacy arrangements, egg donation, and serving as an advocacy resource for infertile couples and LGBTQ individuals seeking to build families. Till now we have helped and supported thousands of the intended parents with their family-building journey, and we can help you as well.  Happy to share the references from the past IPs if needed.

Our founder and chief surrogacy consultant, Neelam Chhagani, passionately helps couples struggling with fertility challenges. Since starting our surrogacy consulting agency in 2013, we’ve helped welcome over 500 babies for intended parents nationwide.

Our team includes experts from diverse backgrounds with leading reproductive attorneys, professionally trained top fertility doctors, former surrogacy case managers, experienced and kind surrogate mother and egg donor coordinators, mental health professionals specializing in infertility counseling, and a logistic support team to assist you in your chosen surrogacy country.