IVF & Insurance in the Surrogacy Process

How Does IVF and Surrogacy Work?

In the United States, surrogacy typically involves two main medical processes: in vitro fertilization (IVF) and embryo transfer. IVF is the method used to create embryos outside the body using eggs and sperm. These embryos are then transferred into the surrogate’s uterus, where pregnancy is carried to term.

There are two types of surrogacy: traditional and gestational. Traditional surrogacy uses the surrogate's own egg, while gestational surrogacy involves embryos created using eggs and sperm from the intended parents or donors. Gestational surrogacy is the most common and legally accepted method in the U.S.

Using Your Own Egg and Sperm

Many intended parents choose to use their own egg and sperm to create a genetically related child. This process typically involves hormone treatments for the egg provider, egg retrieval, fertilization in a lab, and embryo transfer into the surrogate. This option offers the highest level of genetic connection to the child for both intended parents.

Using a Donor Egg or Sperm Donor

Some intended parents use an egg donor, sperm donor, or both. This is common when one or both parents cannot provide viable genetic material or are a same-sex couple. Egg donors go through medical screening and ovarian stimulation, while sperm donors provide samples that are tested and frozen. Donor conception is a safe and successful option, with high success rates.

Included Costs

Medical Costs

• Fertility medications
• Egg retrieval and IVF procedures
• Embryo storage
• Prenatal care and delivery

Legal and Administrative Costs

• Agency fees
• Legal contracts for all parties
• Escrow and financial management

Compensation and Support for the Surrogate

• Base compensation
• Maternity clothing
• Travel expenses
• Lost wages (if applicable)

How Much Does IVF Cost?

The average cost of a single IVF cycle in the U.S. ranges from $12,000–$20,000, not including medications, which can add $3,000–$5,000. Many intended parents require more than one cycle to achieve a successful pregnancy, raising the total cost significantly.

When surrogacy is included, the entire process can cost between $90,000–$150,000, depending on medical, legal, and surrogate-related factors.

Supporting You During the IVF Process

Fertility clinics offer personalized treatment plans, but the emotional and logistical load can be heavy. A good agency supports you by:

• Coordinating appointments
• Managing communications between all parties
• Helping with legal and financial arrangements
• Providing emotional support and counseling referrals

Do I Need Insurance for My Surrogate?

Yes, insurance is crucial in the surrogacy process. Not all surrogate health plans cover maternity care for a surrogate pregnancy. Intended parents must ensure the surrogate has a suitable insurance policy—or purchase one on her behalf.

Intended Parents Will Need to Have Coverage for the Following During Their Surrogacy:

• Maternity – Ensure that your surrogate’s policy explicitly covers maternity care related to surrogacy. Many private insurance plans exclude it, and coverage can be denied later if not confirmed in advance.
• Complications – Pregnancy complications can be expensive. Coverage should include hospital stays, emergency C-sections, and high-risk pregnancy treatments. Without this, parents could be liable for tens of thousands of dollars.
• Insurance Denial (if your surrogate's plan denies coverage) – In cases where the surrogate’s plan does not cover surrogacy-related maternity, a backup or supplemental policy must be purchased. There are surrogacy-specific insurance products designed for this purpose.
• Life Insurance – Surrogates should always be provided with a life insurance policy during the process, covering at least $250,000–$500,000. This is not only a moral obligation but also a financial safeguard. Life insurance provides protection for the surrogate’s family in case of tragic complications.

How Does Surrogacy Insurance Work?

Surrogacy insurance is a specialized field. Some plans are available through the Affordable Care Act (ACA), while others are commercial surrogacy insurance products. Key facts include:

• ACA Open Enrollment is typically in the fall; timing is critical
• Plans should be reviewed by a surrogacy insurance specialist
• Coverage may vary by state and insurance provider
• Find enrollment information at https://www.healthcare.gov/get-coverage/

Additionally, the Centers for Medicare & Medicaid Services (CMS) provide information on maternity-related benefits and Medicaid eligibility: https://www.cms.gov

Each policy must be vetted for exclusions, deductibles, copays, and out-of-pocket maximums. Having the right insurance ensures peace of mind and financial stability.

Another resource to consult on health benefits is the U.S. Department of Labor’s site: https://www.dol.gov/agencies/ebsa

Conclusion

IVF and surrogacy are complex but deeply rewarding journeys for families. Understanding the medical process, planning for all associated costs, and ensuring comprehensive insurance coverage are critical components to success. With the right guidance and protection, you can focus on what matters most—welcoming your child into the world with confidence and love.