How Much Does a Surrogate Cost?
The cost of working with a surrogate mother varies, depending on each individual situation. So, if you are considering surrogacy as a means to start a family, you will want to create a budget that factors in the following:
- Surrogate mother cost including compensation and reimbursements
- Surrogacy agency fees
- Psychological screening and monitoring
- IVF Medical procedures and screenings for parent and surrogate
- IVF Expenses to create embryos using your own or donated eggs
- Number of attempts to successfully conceive
- Legal representation and proceedings
- Medical insurance for pregnancy, delivery and newborn(s)
Surrogacy Cost Estimator
You can use the Surrogacy Cost Estimator below to see how some of these costs might affect your budget. While some expense categories include fixed price packages/fees, the surrogacy cost ranges for other expense categories can vary dramatically based on choices you will make. We do find that intended parents like to have some freedom in decision making so, please keep in mind it’s unlikely that ALL variable costs will come in at the very bottom or very top of the ranges provided.
Will My Insurance Cover the Surrogacy Program Costs?
Most health insurance policies do not offer coverage for surrogacy, though some policies will cover portions of the IVF Medical Process. Some employers may cover a significant portion of the surrogacy process as an added benefit, while others may not offer any. But in either case, we can help intended parents figure out how to ask the right questions and get the right information they need. We invite you to schedule a consult with us so we can give you some tips on how to talk to your benefits provider.
What is the Cost of Surrogacy with My Own Eggs/A Donor I Know vs. an Agency-Based Egg Donor?
If having your own biological or closely related child is an important consideration for you, then using your own eggs or those of a family member or friend could be your best option. It can also help you save money in two key areas:
- Egg Donor compensation
- Egg Donor Agency fee
In most cases, this can be $15,000-$20,000 in savings. However, you also need to consider the age of the eggs being used. Older eggs (women aged 30 or more) may increase the number of attempts at conception, which could actually increase your surrogate costs.
Using an anonymous Egg Donor offers a few important benefits:
- Ability to select an Egg Donor 30 years or younger
- Ability to select characteristics, such as ethnicity, education, intelligence, physical attributes, and geographic location.
- For experienced egg donors, statistics on previous donations, such as number of eggs retrieved, how many embryos created, and pregnancy and birth rates.
- Provides a comfortable distance between the egg donor and the intended parent
One of the key benefits of using an Egg Donor 30 years old or younger is an enhanced chance of success. According to a 2012 study from the Center for Disease Control on IVF success rates, the percentages resulting in a live birth are:
- over 56% for women younger than 35
- 37% for women aged 35-37
- 28% for women 38-40
- 16% for women 41-42
- 6% for women 43-44.
- 3% chance for women over 44
So, with an Egg Donor 30 years or younger, it may take fewer chances to conceive, and there’s also a higher chance of that conception resulting in a live birth.
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 the surrogacy costs, and creating a budget at the beginning of your surrogacy process can help reduce stress and delays later on. And since we’ve been doing this a long time, we have the experts and experience to guide you through the entire process.
Although we offer a range of pricing and access to surrogacy loans, we sometimes hear that our cost estimates appear to be much more expensive than others, but we firmly believe in disclosing all costs up front, including medical and legal expenses, so there are no surprises down the road.
We can even 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 cost.
Do I Need to Pay All the Surrogacy Costs at Once?
Starting a family through surrogacy can take several months, and not all costs will come up at once.
Maybe making a large bulk payment is not possible for you right now, but you can make monthly surrogacy loan repayments. We offer surrogacy financing up to $100,000 with rates as low as 5.99% and repayment terms as long as 7 years. Click the link below to learn more.