Understanding Costs

How Much Does Surrogacy Cost?

The average cost of a surrogacy process ranges from $123,000 to $185,000 for our “Concierge” or “Concierge Guaranteed” programs. The range in cost mainly has to do with where your surrogate resides, her pregnancy compensation, and what kind of health insurance she has. The good news is that we recruit many surrogates each year and can tailor your surrogate match to help meet your budget. We offer three professional fee packages “Concierge”, “Concierge Guaranteed”, or “Concierge VIP” to help intended parents either lower costs; lower risk; or increase the speed, support, and customization of the process.

Regardless of which program you choose, each program is designed to deliver a high level of care and concierge service for your family’s specific needs. Please click here to download a general cost estimate for surrogacy. If you also plan to work with an egg donor, you can view those costs here.

Click here to download a copy of the estimated costs for surrogacy.

Would you like a customized budget based on your specific needs and desires? How about a free financial consultation via phone or video conference to help you understand how you can control costs?

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We offer fixed pricing on our professional fees, psychological support, and even on legal costs through our outside legal referral. Many IVF physicians offer fixed pricing on their services too. This really just leaves you with the gestational carrier’s benefits and expenses, which are not fixed, but they have been designed such that your costs are limited if you need to do multiple embryo transfer attempts or the surrogate is placed on bedrest.

Other agencies do offer fixed price programs, and they work very well for many people. But when you fix the costs relating to your surrogate, you often limit choice and the ability to fully tailor a surrogate match to your needs and desires. Additionally, you usually have to pay a surcharge if you want something that does not fit within the confines of the fixed pricing.

Finally, we don’t want to be restricted in serving you by making sure your surrogate match agrees with our bottom-line finances. We want to focus on what matters most to each individual client.

Why are the Cost Ranges so Large?

The largest ranges have to do with how much your gestational surrogate receives in compensation, the state in which she lives, and what kind of health insurance she has to cover her surrogacy pregnancy.

The demand for surrogates in California is very high. As such, California surrogates receive $5,000 on top of the base compensation amount in addition to the other benefits listed above.

Some gestational surrogates have an existing health insurance policy that also provides benefits for a surrogate pregnancy. These tend to be the least expensive policies but also the rarest. Most surrogates will need to have a special health insurance policy purchased for the purpose of covering their maternity and delivery medical care. The costs for these policies range at the higher end of the spectrum from about $20,000-$35,000.

Do I Need to Pay All Surrogacy Costs at Once?

Creating a family through surrogacy can take 15-20 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

Will My Insurance Cover Surrogacy Program Costs?

Most traditional health insurance policies do not offer coverage for surrogacy, although some policies will cover portions of the IVF medical process. In good news, 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 FAQ 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 understand how their benefits lower their overall costs, so we invite you to schedule a consult with us to learn more.

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.

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 clients.

We are happy to help you review other cost 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.