Understanding Costs

How Much Does a Surrogate Cost?
The cost of working with a surrogate mother varies from $115,000-$200,000, depending on each individual situation. We know the range is significant, and the good news is that you have ability to make decisions that will help you control where you fall within the ranges provided. These are the expense categories we factor in that range:

  • Surrogate mother costs including compensation and reimbursements: $46,400-$76,350
  • Surrogacy agency fees: $30,000-$50,000
  • Psychological screening and monitoring of your surrogate: $5,000
  • Medical screening of your surrogate and embryo transfer fees including cycle medication: $17,550
  • Legal representation, proceedings, and parental establishment: $10,250-$16,500
  • Medical insurance for pregnancy, delivery, and newborn(s): $8,240-$35,310

For a complimentary detailed and personalized cost estimate, please chat with us. Call us at 323-965-7500, or complete our contact us form directly on our website. We would be happy to provide you a 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.

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 to create 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. 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 needed. We invite you to schedule a consult with us, so we can give you some tips on how to talk to your benefits provider.

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. 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 cost.

Do I Need to Pay All the 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, we offer surrogacy financing up to $100,000. Interest rates are as low as 5.99% and repayment terms can last up to seven years. Click the link below to learn more.

Financing