Average Surrogacy Cost: Understanding the True Cost of Surrogacy

The average cost of surrogacy is in the range of $90,000-$140,000+. For those considering growing their family through surrogacy, one of the first and most pressing questions is often – how much will this cost? The expenses associated with surrogacy can be quite high, especially within the United States. Pursuing surrogacy involves major physical, emotional, and financial investments on the path to parenthood. So a top question for intended parents always centers around – how much does surrogacy cost? Surrogacy cost depends on a complex web of factors impacting fertility care fees, legal contracts, surrogate and agency compensation, insurance policies, and more. Getting clarity on average costs and itemized price points informs one of life’s most meaningful decisions.

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What are the Typical Cost Ranges for Surrogacy?

The average cost of surrogacy in the U.S. often lies between $90,000 to $130,000+. Expenses on the higher end accrue for those requiring IVF, extensive legal representation, medical care for a twin pregnancy, and other elevated needs. Yet even in more straightforward surrogacy cases, intended parents spend around $90,000 when adding up all costs over a multi-year surrogacy journey.

More Resources to Read:

Infertility Treatment and Surrogacy Process

9 Factors To Improve IVF Pregnancy Rate

International Surrogacy Options Worldwide

Surrogacy Guide for Surrogate Mothers

Surrogacy costs often make up the largest investment intended parents take on. However, the financial dimensions only tell part of the story when building a family via gestational surrogacy. Understanding exactly where those dollars go empowers the best decisions for your unique path.

Why is Surrogacy So Expensive?

There are many components involved in the surrogacy process that drive up the costs quickly. These include:

• Extensive medical screening and procedures (for both surrogate and intended parents)
• In vitro fertilization (IVF) and medications
• Legal contracts and consulting for all parties
• Agency fees for matching and coordination
• Compensation for the surrogate’s time and service
• Fertility and surrogacy insurance
• Unexpected costs before, during, and after pregnancy

In addition, since surrogacy involves extensive time commitments and medical interventions for the surrogate, high compensation is provided and required by law in most states. This is the main contributor to the high average surrogacy cost.

What is the Average Total Cost of Surrogacy?

The total cost of surrogacy from start to finish, including all medical, legal, and agency fees, typically ranges from $90,000 to $130,000 on average for an uncomplicated journey. However, intended parents can expect to spend $200,000 or more based on unique circumstances.

Some of the key factors impacting the overall average surrogacy cost include:

• Type of surrogacy – traditional vs gestational
• Insurance coverage and IVF procedure expenses
• The compensation amount requested by the surrogate
• Use of donor egg/sperm in addition to surrogate
• Unexpected pregnancy complications or risks

Now let’s break down the typical fees that intended parents can expect as part of the average surrogacy cost.

The journey to parenthood through surrogacy is an incredible path for many aspiring parents. However, it’s essential to have a clear understanding of surrogacy costs, which can vary significantly based on various factors. In this guide, we’ll explore the cost-related aspects of surrogacy and answer some commonly asked questions.

Understanding the Basics: Surrogacy Costs

So, what Is the Average Surrogacy Cost? Surrogacy costs can be a complex puzzle to decipher. Let’s break it down step by step:

Itemized Surrogacy Expenses

The main components that make up the total average surrogacy cost include:

• Agency Fees – A reputable surrogacy agency will charge between $15,000 to $30,000 for their coordination, legal paperwork, screening, escrow services, and overall case management.
• IVF Procedures – The medical steps involved with in vitro fertilization, including appointments, medications, egg retrieval, embryo transfer, and more range from $15,000 to $30,000 per cycle. Additional cycles may be needed.
• Surrogacy Insurance – Insurance for the surrogate and intended parents costs on average $8,000 to $16,000 for adequate coverage for all medical and pregnancy-related care.
• Surrogate Compensation – In addition to covering other expenses, most surrogates receive base compensation between $35,000 to $50,000 for their time and service carrying the pregnancy.
• Legal Contracts – Attorneys for both parties are paid around $10,000 to $15,000 total for consulting, drafting, reviewing, and finalizing contracts and agreements.
• Miscellaneous Costs

Additional expenses may include travel, insurance, and other unforeseen expenditures, making the total surrogacy cost a variable figure.

Additional Variable Expenses

In addition to the main predictable expenses above, intended parents can expect to incur extra costs related to:

• Travel and accommodation expenses for medical appointments
• Lost wages if the surrogate takes leave from her job
• Unexpected medical costs if complications arise
• Psychological counseling services for support

These ancillary costs vary case-by-case but should be accounted for and budgeted for as well.

What Factors Primarily Influence Surrogacy Costs?

Many variables across three phases impact the total costs intended parents take on when working with a surrogate mother to expand their family.

Phase 1: Preparation

The upfront legwork around legal contracts with a surrogacy agency, securing insurance policies, initial screening and more play a crucial role. Key costs incurred include:

• Agency fees – Full-service agencies providing matching, legal, and trust account services charge $15,000 to $35,000+ in bundled fees
• Fertility clinic fees – Initial consultations, testing, and embryo creation (if needed) cost up to $15,000
• Surrogacy contract creation – Lawyers charge $10,000+ for specialized expertise over multi-state laws
• Life insurance policies – Essential policies for both intended parents and surrogate average up to $3,500 annually

Phase 2: Active Pregnancy Phase

Once matched, the medical and emotional journey truly begins. Costs arise for conception, pregnancy healthcare, trust funds, and living expenses. Main items include:

• IVF procedures – If pursued, a cycle often runs $15,000 to $20,000
• Surrogate compensation – Surrogates receive around $25,000 to $50,000+ for their extensive commitment
• Insurance premiums + out-of-pocket medical – Health plans, copays, and uncovered care for pregnancy and birth healthcare rack up quickly
• Lost wages – Surrogate reimbursement for work time missed (~$5,000)
• Legal representation – Some pursue extra counsel around custody, adding up

Phase 3: Post-Birth

The last leg of payments serves to close out the relationship and provide care plus resources to welcome your child. These encompass:

• Post-birth medical – Any follow-up OB-GYN, and pediatrician visits not covered
• Travel – Hotels, flights, and other costs of bringing baby home

Taken together – agency guidance, legal protections, medical care coordination, and emotional support do not come cheap. Yet they set intended parents up for the highest chance of success in building families through surrogacy.

Here is a table breaking down typical surrogacy costs by phase:

Phase	Cost Component	Typical Cost Range
Preparation Phase	Agency fees	$15,000 – $30,000
	Legal contracts & representation	$15,000+
	Psychological testing & screening	$2,000 – $5,000
	Life insurance policies	$2,000 – $4,000
Pregnancy & Active Phase	IVF medical procedures	$15,000 – $20,000
	Surrogate compensation	$30,000 – $50,000+
	Insurance premiums & out-of-pocket medical	$10,000+
	Lost wages reimbursement	$5,000
	Extra legal counsel (if applicable)	$5,000+
Post-Birth Phase	Travel expenses for bringing the baby home	$2,000 – $5,000
	Any remaining medical visits/copays	$1,000+

What Questions Should I Ask About Surrogacy Costs?

Every surrogacy case is unique with costs shifting case-by-case. Asking the right questions allows you to plan accurately.

• What exactly is included in your agency’s overall fees? Get clear specifics.
• What type of health insurance policy do you take out for surrogates? Get coverage details.
• What financing options or discounts do you offer to ease the financial burden? Search for flexibilities.
• What is your success rate working with intended parents? Higher success brings confidence.

Reputable agency’s IVF Conceptions walk through all pricing dimensions upfront. They also only work with premier fertility clinics and legal partners to give intended parents the best shot at an efficient, emotionally fulfilling surrogacy journey.

When exploring your path to surrogacy, gain clarity on what care coordination and support services are included in the costs quoted. Understanding detailed pricing empowers your best decisions in welcoming a child via surrogacy.

Can You Reduce Surrogacy Costs?

If you’re looking for ways to minimize surrogacy expenses, consider the following:

• Exploring Low-Cost Surrogacy Options: Some surrogacy agencies offer more affordable packages, making it a viable option for those on a budget.
• Surrogacy with a Friend: If you’re considering having a friend as your surrogate, the costs may be reduced. However, legal and medical expenses are still significant factors.
• Finding a Surrogate Independently: While agencies provide valuable services, you can opt to find a surrogate mother on your own, potentially saving on agency fees.

Tips for Managing Surrogacy Costs

• Research surrogacy agencies and clinics to find affordable options.
• Explore financing options and grants designed for surrogacy.
• Discuss financial concerns openly with your surrogacy agency and legal counsel.

In conclusion, surrogacy costs can vary widely, but with careful planning and research, you can navigate this beautiful journey to parenthood. While cost is undoubtedly a factor to consider, the joy of bringing a child into your life is immeasurable.

Financing Your Surrogacy Journey

Coming up with $100,000+ in funds for surrogacy can be challenging. Some options to pay for surrogacy include:

• Taking out loans, personal loans, or borrowing against assets using home equity
• Applying for grants and financial aid programs specifically for infertility patients
• Fundraising via crowdfunding sites like GoFundMe
• Utilizing tax credits and deductions related to infertility costs
• Getting employer health insurance plans to cover some fertility treatments

Additional guide for intended parents:

Best surrogacy agency in India

Best surrogacy agency in Mexico

Best surrogacy agency in Colombia

Best surrogacy agency in Argentina

Best surrogacy agency in Georgia

Best surrogacy agency in the USA

Best surrogacy agency in Ukraine

Best surrogacy agency in Armenia

Conclusion

As you consider growing your family via surrogacy, understanding both the emotional and financial investments required allows you to embark on the journey with eyes wide open. Reach out to surrogacy experts for personalized guidance and pricing specific to your unique needs.

So, here is the basic average cost of surrogacy in the range of $ 90,000-$ 140,000+.

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

For more resources on IVF and Surrogacy, browse our other web page- IVF Conceptions.

For more resources on IVF and Surrogacy, browse our other web page- Georgia Surrogacy Agency.

References used: 

• https://resolve.org
• https://www.asrm.org/

Frequently Asked Questions About Average Surrogacy Cost

1. How much does average surrogacy cost?

The cost of surrogacy can vary depending on various factors such as the location, agency fees, medical costs, and surrogate compensation. On average, the total cost of surrogacy can range from $90,000 to $150,000.

2. What is the cost of a surrogacy journey?

The cost of surrogacy includes agency fees, fertility clinic expenses, legal fees, medical procedures, and surrogate compensation. The average cost of surrogacy can be between $90,000 and $150,000.

3. How much does a surrogate mother cost?

The cost of a surrogate mother can vary, but on average, the compensation for a surrogate can be around $30,000 to $40,000.

4. What are the average costs involved in surrogacy?

The average costs of surrogacy include agency fees, legal fees, medical expenses, fertility clinic costs, surrogate compensation, and health insurance. These costs can vary, but on average, they can range from $90,000 to $150,000.

5. How much does a surrogacy program cost?

A surrogacy program can cost between $90,000 and $150,000. This includes various expenses such as agency fees, medical costs, legal fees, and surrogate compensation.

6. What is the overall cost of surrogacy with a surrogacy agency?

The overall cost of surrogacy can be between $90,000 and $150,000, including agency fees, legal fees, medical expenses, fertility clinic costs, surrogate compensation, and other related expenses.

7. How does insurance for the surrogate impact the cost of surrogacy?

Insurance for the surrogate can impact the cost of surrogacy. If the surrogate already has comprehensive medical insurance that covers the surrogacy journey, it can reduce the overall medical costs. However, if additional insurance is required, it can increase the overall cost.

8. Does surrogacy in the United States have a higher cost?

Surrogacy in the United States can have a higher cost compared to other countries. The higher cost can be attributed to factors such as legal requirements, medical expenses, and higher compensation for surrogates.

9. Are medical costs included in the overall cost of surrogacy?

Yes, medical costs are included in the overall cost of surrogacy. However, you need to confirm with your surrogacy agency about the breakdown of surrogacy costs and any incidental surrogacy costs to avoid surprises later on.

References:

1. American Society for Reproductive Medicine – What is Surrogacy?

2. Resolve – The National Infertility Association – Surrogacy Costs and Financing

3. American Pregnancy Association – Gestational Surrogacy