Saving for Surrogacy

iStock_000005928571MediumIf you have chosen surrogacy as a way to realize your dream of parenthood, you are already beginning to understand that this can be a costly procedure. However you also know that it will be well worth it when your baby arrives.

 Ways to Save Money on your Journey

There are a number of ways you can save on your surrogate mother costs, without reducing the quality of your journey. When you are trying to eliminate some of the costs, make sure all your dealings are legal and ethical.

Using a surrogacy agency has a number of advantages that can actually save you money in the long run. These include:

  • Helping you find a surrogate that has been thoroughly screened.
  • Guiding you step-by-step through the surrogacy process.
  • Handling the legal aspects.

Using an agency can also help you avoid ending up with a surrogate who is not fully committed to the pregnancy or who has health complications that you are unaware of.

 How an Agency Can Help You Save for Surrogacy

 Another advantage of using an agency is that if you are unable to afford to make an up-front lump sum payment, some agencies offer a financial package in which you can pay back a loan over a period of 12-84 months. Some agencies also offer other financial incentives, such as fixed rate legal fees, fixed rate medical fees and cycle packages in case you are unable to achieve a pregnancy the first time around.

It is understandable that you want to save as much money as you can when going through your surrogacy, but avoid cutting corners that will affect the quality of your journey.


Kim Bergman, PhD, a licensed psychologist of 26 years, has specialized in the area of gay and lesbian parenting, parenting by choice and third party assisted reproduction for over two decades. Dr. Bergman has created a comprehensive psychological screening, support and monitoring process for intended parents, surrogates and donors. She is the co-owner of Growing Generations and is a member of the American Society for Reproductive Medicine, the American Psychological Association, the Los Angeles County Psychological Association, the Lesbian and Gay Psychotherapy Association, and the Gay and Lesbian Medical Association. She is on the national Emeritus board of the Family Equality Council. Dr. Bergman writes, teaches and speaks extensively on parenting by choice. Along with co-authors, she published “Gay Men Who Become Fathers via Surrogacy: The Transition to Parenthood” (Journal of GLBT Family Studies, April 2010). Dr. Bergman’s is the author of the book, Your Future Family: The Essential Guide to Assisted Reproduction (Conari Press 2019) as well as the children's book You Began as a Wish (Independent Press 2019). Dr. Bergman created her own family using third party assisted reproduction and she lives with her wife of 35 years. She has two adult daughters.