How To Afford Surrogacy

How Much Does Surrogacy Cost?

For many intended parents, the biggest hurdle in pursuing surrogacy is the financial commitment.

The cost of surrogacy in the U.S. typically ranges between $90,000–$180,000, depending on various factors like location, clinic, agency, legal fees, and whether donor eggs are needed.

While these numbers can feel overwhelming, it’s important to break down the components, explore ways to reduce expenses, and understand the full scope of financial planning involved.

Cost Breakdown

Here’s a general breakdown of typical surrogacy-related expenses:

Agency Fees
Matching services
Case management and coordination
Screening and support for both surrogate and intended parents
Typical range: $20,000–$40,000

Surrogate Compensation
Base compensation for the surrogate
Monthly allowances
Additional compensation for procedures (e.g., embryo transfer, C-section)
Typical range: $45,000–$70,000

Medical Costs
IVF and embryo transfer
Prenatal care and delivery
Medications and lab work
Typical range: $20,000–$40,000

Legal and Insurance
Drafting and reviewing contracts
Parental rights establishment
Surrogacy-friendly insurance or supplemental plans
Typical range: $10,000–$20,000

Miscellaneous
Travel expenses
Maternity clothing allowance
Counseling services
Typical range: $3,000–$7,000

Why Are Surrogacy Costs Expensive?

Surrogacy is a highly regulated and carefully coordinated process that involves legal professionals, fertility specialists, surrogates, counselors, and agencies. Each step ensures the physical and emotional well-being of the surrogate and the security of parental rights for the intended parents.

Unlike adoption or natural conception, surrogacy includes IVF, embryo creation, and other advanced medical treatments. The use of specialized professionals—including lawyers, medical teams, and insurance advisors—adds layers of necessary cost.

You're not just paying for a service—you're investing in the safest, most supported path to parenthood possible.

How To Budget & Pay for Surrogacy

Creating a clear financial plan from the beginning is essential. Here are some steps:

• Start with a consultation to get realistic estimates from your agency.
• Review your current savings and determine what can be allocated.
• Create a timeline—some intended parents plan 1–3 years in advance.
• Explore financing options, including personal loans, home equity lines, or fertility-specific lending programs.

Several banks and credit unions offer medical loans specifically for fertility care. Look into your eligibility and interest rates, and make sure to review the full cost of borrowing over time.

For general financial planning resources and debt management tools, you can refer to: https://www.consumerfinance.gov

Ways To Help Cover the Costs of Surrogacy

1. Fertility Grants
   Numerous nonprofit organizations offer grants to help cover IVF or surrogacy-related expenses. These grants are competitive, but they provide real financial relief.
2. Employer Benefits
   Some employers offer fertility and surrogacy benefits through their health plans or HR programs. Ask your HR department if such coverage exists—it’s more common than you might think.
3. Health Savings Accounts (HSAs) & Flexible Spending Accounts (FSAs)
   Although surrogacy itself may not be covered, medical procedures related to fertility or donor egg retrieval may be eligible under HSAs or FSAs.
   The IRS provides official guidelines on eligible medical expenses: https://www.irs.gov/publications/p502
4. Fundraising and Crowdfunding
   Some intended parents use platforms like GoFundMe to share their story and seek support from their community. This requires comfort with public sharing but can be an effective tool.
5. Tax Credits & Legal Deductions
   In some cases, portions of your surrogacy expenses might qualify for deductions or tax relief. Always consult a certified tax professional.
   For tax-related information on medical expenses and dependents, check the official IRS site: https://www.irs.gov

How To Reduce Your Surrogacy Costs

• Ask Someone You Know to Be Your Surrogate
  If you have a trusted friend or relative who’s willing to carry a pregnancy for you, this can significantly reduce expenses. Known surrogates often waive or reduce base compensation, and many agencies offer discounted services for such arrangements.
• Ask a Friend or Family Member to Donate Their Eggs
  Using donated eggs from someone you know can reduce or eliminate donor egg fees. This can also create a more personal connection to your child’s genetics.
• Weigh the Pros and Cons of an Independent Journey vs. a Surrogacy Agency
  Going independent (without an agency) can save thousands, but it comes with risks and more administrative burden. You’ll be responsible for contracts, medical coordination, psychological screening, and more.
  For those considering this route, review legal and ethical guidelines from government agencies such as: https://www.childwelfare.gov
  We strongly recommend using professionals for legal and psychological support, even in independent journeys.

Conclusion

Affording surrogacy takes planning, creativity, and a strong understanding of the process—but it is absolutely possible. By knowing the true costs, exploring funding options, and seeking trusted support, you can move forward with confidence.

Our agency is here to walk with you every step of the way—offering transparency, guidance, and options tailored to your financial reality.

Surrogacy is a major investment—but one that leads to something truly priceless: your family.