Understanding Costs

How Much Does Surrogacy Cost?

The average cost of a surrogacy process ranges from $118,000 to $200,000. The wide range in cost mainly has to do with your surrogate’s location, benefits package, and maternity insurance coverage. The good news is that we recruit many surrogates each year and can tailor your surrogate match to help meet your budget. Additionally, we offer two options for our professional fees (“Choice” and “Guaranteed”) to accommodate those looking for the least expensive option and those looking for the least amount of financial risk.

Growing Generations Professional Fees $30,000 $40,000
First installment (due to get started)
*Clients residing outside the U.S. will pay an additional $1,000-5,000 depending on the program selected.
$12,500 $20,000
Second installment (due upon confirmation of surrogate match) $12,500 $20,000
Third installment (due at start of each embryo transfer cycle) $5,000 $0
Intended Parents Admissions Expenses $500 $500
Criminal history inquiry fees $500 $500
Surrogate Compensation and Related Expenses $51,400-71,300+ $51,400-71,300+
Surrogate compensation
+Experienced surrogates, Los Angeles based surrogates, surrogates carrying twins, and surrogates delivering via c-section will receive additional compensation.
$47,000-58,500+ $47,000-58,500+
Criminal history inquiry $400-800 $400-800
Travel and childcare expenses during medical screening $1,500-6,000 $1,500-6,000
Travel and childcare expenses during embryo transfer $2,500-5,500 $2,500-5,500
Childcare expenses during delivery $0-500 $0-500
Medical Fees $12,550-17,550 $12,550-17,550
Surrogate screening and embryo transfer (including medications and local monitoring) $12,550-17,550 $12,550-17,550
Insurance $8,240-35,310 $8,240-35,310
Surrogate insurance costs (includes health, life, and cycle insurances)
*Clients will be able to state insurance preferences to limit where they fall in within this range. Clients living outside the U.S. will need to plan for covering newborn health care for their baby. We’ll be happy to discuss options as they vary based on client nationality and residence.
$8,240-35,310 $8,240-35,310
Psychological Fees $5,000 $5,000
Psychological screening & monitoring $5,000 $5,000
Legal Fees $10,250 $16,000
Legal fees including surrogate contract, parental establishment, and court fees $10,250 $16,000
TOTAL ESTIMATED COST $117,940-169,910 $133,690-185,660

To download a cost sheet click here. We’re happy to provide you with a complimentary financial consultation via phone or video conference to learn more about your unique needs and to help you create the most accurate surrogacy budget possible. Please chat with us in the lower right hand corner, call us 323-965-7500, or complete our contact us form directly on our website.

How Much Does It Cost to Create Embryos?

If you do not already have embryos created, you’ll also need to factor in the expenses of creating embryos using your own or donated eggs. Families using their own eggs should expect to spend $26,000-$30,000. If you’ll be using donor eggs, expect expenses to range from $50,000-$80,000.

Will My Insurance Cover Surrogacy Program Costs?

Most health insurance policies do not offer coverage for surrogacy, although some policies will cover portions of the IVF medical process. We have noticed an explosion in the number of employers offering family creation benefits that cover a significant portion of the surrogacy process. Check out our blog on family creation benefits to learn some tips on how to find out whether you have a surrogacy benefit, and if not, how you can advocate for yourselves and your colleagues. We routinely help intended parents figure out how to fully understand how their benefits lower their overall costs, so we invite you to schedule a consult with us to learn more.

Why Choose the Growing Generations Surrogacy Program?

The Growing Generations surrogacy program helps hundreds of people each year become parents.

At Growing Generations, our goal is to prepare you for the journey that lies ahead. Knowing and understanding surrogacy costs and creating a budget at the beginning of your surrogacy process can help reduce stress and delays later on. We’ve been providing surrogacy services for over two decades and have an expert understanding of the financial process, including how other agencies present their costs. So, here is an expert tip: When researching surrogacy costs from one agency to the next, be sure to do a line-by-line comparison to make sure all the expenses are being listed and are accurate.

We firmly believe in disclosing all costs up front, including medical and legal expenses, so there are no surprises down the road. Outside of Growing Generations, you will often find that surrogacy providers omit entire costs and list the lowest possible range for an expense category. Surrogacy is not a one size fits all process, so for some people, the lowest possible range is not even a possibility given the special needs of the case.

We are happy to help you review other estimates you have received from other sources and offer advice and guidance. Growing Generations is dedicated to helping you start your family through surrogacy with a clear understanding of costs.

Do I Need to Pay All Surrogacy Costs at Once?

Creating a family through surrogacy can take fifteen to twenty months, and while not all costs will come up at once, the majority of funds will be due within six months of starting the process and are broken into two or three payments.

If making a large bulk payment in a short amount of time is not possible for you right now but you can make monthly surrogacy loan repayments, there are surrogacy financing options available to you for up to $100,000 with interest rates as low as 5.99% and repayment terms that can last up to seven years. Click the buttons below to learn more or to apply.

Financing with New Life Fertility Financing with Prosper Healthcare