Surrogacy Journey Costs

We understand that surrogacy journey costs are a considerable expense for ALL intended parents. For this reason, we are providing an estimate of potential surrogacy journey costs so that you can better prepare for your journey, in this cost sheet.

The gestational surrogacy cost sheet details the primary fees that you should anticipate paying, but you may not have to pay for all of the categories. In turn, your cost may be more depending on whether a sperm or egg donor is required, the number of IVF cycles needed to achieve pregnancy, potential complications with a pregnancy and other factors such as travel, lost wages, copays and deductibles. Total costs for one surrogacy journey may range from $140,000 to $150,000+.

Surrogate Costs Explained

Surrogacy is an involved process that takes many professionals to bring about a successful outcome. It really does ‘take a village’ to make this miracle of life happen, and the surrogacy agency provides the coordination and management of resources to move the process along seamlessly. The main surrogacy costs to consider include:

Surrogate Compensation – The surrogate is at the heart of the journey and her time and efforts should be rewarded. Typically, a surrogate makes an average of $50,000 with such factors as whether she is a repeat surrogate, has surrogacy friendly medical insurance, and sometimes location playing a part in the overall compensation amount. A benefits package is also provided which helps the surrogate navigate immediate needs during the journey such as travel expenses, lost wages, and child care assistance.

IVF Clinic Fees – A surrogacy journey is one of the most closely managed client processes in an IVF clinic, often with specialized nurses in third party reproduction that oversee the clinical aspects. Clinic fees can vary considerably depending on the choice of IVF clinic, the number of IVF cycles needed, whether an egg or sperm donor is used, and the number of transfer cycles needed to achieve a surrogate pregnancy.

Legal Representation – The surrogacy agreement is at the center of the surrogacy journey and describes the roles and expectations of both the intended parents and surrogate in their unique journey. A lawyer represents the intended parents while another attorney represents the surrogate and her partner in the agreement negotiation and signing – with the intended parents paying for both parties’ legal representation. An attorney in the jurisdiction in which the baby is born then files a birth order to establish parentage for the intended parents.

Surrogate’s Insurance – Before the match, Capital Surrogacy will determine whether the surrogate has private insurance and if so, whether the insurance is surrogacy friendly. If needed, Capital Surrogacy will work with third party insurance experts to secure alternate health insurance that the surrogate can use throughout the pregnancy and delivery. In the case of alternative insurance, the surrogate’s compensation will be reduced to offset the additional cost to the intended parents. In addition, life insurance must be purchased for all surrogates.

Agency Fees – Capital Surrogacy has agency fees that are economical and geared towards making surrogacy accessible for more intended parents. Whenever we can find ways to reduce costs for intended parents, we will communicate this information. For instance, Capital Surrogacy has a combined rate with the Kinsey Law Group that benefits intended parents.

Fertility Financing and Grants

A surrogacy journey has many components that must come together to make it successful. With each journey requiring both legal and medical professionals, it can become quite costly. Many intended parents take advantage of IVF clinic shared risk programs or use fertility financing options to achieve the dream of parenthood. At Capital Surrogacy, we are here to help make that dream obtainable for you and we will facilitate the process from start to finish, including recommending viable financing and grant options along the way.

Listed below are several possibilities to consider when making your process an affordable one.

Financing Options – Surrogacy loans are created especially for individuals planning to build their family through the surrogacy process.
- New Life Fertility – includes financing options for all assisted reproduction needs including surrogacy, loans can range from 5k – 100k
- BetterMed – allows borrowing up to 350k, pay nothing for one year. BetterMed guarantees the lowest monthly payments

Fertility Finance Loans – These loans are limited to infertility treatments and medications, providing some financial relief.
- CapexMD – offers competitive rates and flexible terms plus approval within 24 hours
- Prosper – consists of loans with no retroactive interest, application process is 100% online
- Future Family – includes medication and lab discounts with fertility expert support available
- Lightstream – comprised of loans ranging from 5k – 100k with no fees or prepayment penalties, and there are no appraisals or home equity requirements

Grants – Comprised of organizations who deliver funds to intended parents meeting certain criteria.
- Baby Quest Foundation Grant – provides grants to same sex and heterosexual couples and singles
- Journey to Parenthood Grant – targets US residents, distributing at least one 10k grant annually
- Cade Foundation Family Building Grant – for those with a diagnosis of infertility from a medical doctor, and must be a citizen or legal US resident
- Fertility IQ Family Building Grant – meant for members of the LGBTQ community

Surrogacy Journey Costs

Surrogate Costs Explained

Fertility Financing and Grants

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