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Costs of Surrogacy

Costs of Surrogacy

Curiosity about surrogacy often leads to questions about the cost of surrogacy. How much does it really cost to pursue surrogacy? Is it more if you use a surrogacy agency? Are there different types of expenses involved? What is the surrogate mother is someone you know?

Knowing how much surrogacy can cost is key for anyone thinking about pursuing it. Whether you use an agency or ask someone you know to be your surrogate, there are lots of expenses to consider. Agencies usually charge between $15,000 and $35,000 or more. Legal fees can be around $5,000 to $10,000. These negotiations could cover screening services, embryo transfer, egg donation, an egg donor agreement, and even lost wages for the gestational carrier (or a gestational surrogate). The surrogate’s health insurance costs and documents that establish legal parentage could all be part of an agency fee or the total cost of surrogacy.

Let’s delve into these details to shed light on the financial aspects of surrogacy.

surrogacy, surrogate lives, mother

Surrogate Cost with Agency

So, how much does a surrogate cost if you’re using an agency?

Surrogacy agencies play a pivotal role in the surrogacy process. For an agency fee, they offer a range of services, from matching intended parents with surrogates to liaising with the fertility clinic to helping craft a surrogacy contract between all parties. These agencies offer valuable legal and practical guidance based on their experience with many families, although they may not provide full legal representation. However, these services from an experienced agency will come at a cost for the intended parent or parents.

Let’s explore the costs associated with traditional surrogacy:

Agency Fees: They vary widely depending on the agency, state laws, and the level of support provided. According to data from the American Society for Reproductive Medicine (ASRM), agency fees can range from $15,000 to $35,000 or more.

Additional Expenses: In addition to agency fees, intended parents may also be responsible for covering additional expenses like medical screening costs, monitoring fees, surrogate compensation, legal fees, and insurance premiums for the surrogate.

Surrogate Screening Costs

Surrogacy journeys can vary from person to person, so screening is crucial for ensuring that the right person will carry out this part of the process responsibly. Many intended parents are open to using someone they know, but it is not simple.

Before a woman can become a surrogate, she must undergo a series of medical and psychological evaluations. All these are done to ensure she is physically and emotionally capable of carrying a pregnancy. The screening process ensures surrogates are healthy and can remain so during the entire surrogacy process through delivery and postpartum.

Medical Screening:

Surrogates typically undergo thorough medical screenings by a fertility clinic and/or surrogacy agency to assess their overall health and reproductive capabilities. Fertility specialists may conduct medical screenings, which mainly include blood tests, ultrasounds, and other related services.

Psychological Evaluation:

Surrogates also undergo psychological evaluations to assess their mental health and emotional readiness for the surrogacy journey. These evaluations are conducted by mental health professionals, who help to ensure that the surrogate fully understands the implications of surrogacy and is prepared to relinquish parental rights. Sometimes, when the surrogate is also an egg donor, she may want separate legal counsel and/or postpartum support mental health support to understand the full impact of her role and decision.

Gestational Surrogacy Costs in Agency

Gestational surrogacy is when someone carries a baby for another person or couple who can’t do it themselves. What is the average cost?

Well, there are different costs, like paying the agency that helps find a surrogate. This can especially be between $15,000 to $35,000. Then there are medical bills, like treatments and doctor visits. Some can be offset by health insurance plans, but some will be out of pocket. These costs can vary greatly depending on what’s needed for hopeful parents.

Legal fees and legal services provided by the agency are also part of securing gestational surrogates. Lawyers make agreements and determine who has rights in a surrogacy pregnancy. The fee is usually around $5,000 to $10,000, and the surrogate is usually paid between $30,000 and $50,000.

Knowing these costs helps you plan ahead and make sure you’re ready for the journey of engaging a gestational surrogacy. With careful consideration and financial preparation, gestational surrogacy can be a viable option for building a family.

Breakdown of Typical Surrogacy Cost

Understanding the precise breakdown of typical surrogacy costs is crucial for intended parents embarking on this journey. Here’s a more detailed exploration of the various expenses involved:

  • Agency average cost
  • Surrogate mother cost
  • Psychological fees
  • Insurance and legal parentage
  • Medical costs
  • Legal significant cost

Surrogate Compensation:

Surrogate compensation is often the most significant expense in the surrogacy process. The average cost is hard to pin down because many of these transactions are private. Compensation amounts can vary based on factors, such as location, the surrogate’s experience, and age.

In the United States, surrogate compensation typically ranges between $30,000 to $50,000, but it could be much higher if the intended parent (s) want a specific type of gestational carrier or want to keep the surrogacy a secret.

In such cases, it can exceed $60,000 and any lost wages the surrogate might incur. Experienced surrogates or those carrying multiples can expect six figures. This is often the largest part of the surrogacy cost.

Agency Fees:

Surrogacy agencies facilitate the surrogacy process by providing multiple services. These are matching services, legal guidance, and emotional support to intended parents and surrogates. They also may negotiate the surrogate mother cost, as well as other screening services.

Additionally, agency fees can vary significantly, ranging from $15,000 to $35,000 or more. So, it depends on the services offered and the agency’s reputation.

Some agencies may also charge additional fees for services such as escrow management or travel expenses.

Medical Expenses:

In addition to any expenses paid to a fertility clinic for in vitro fertilization, the cost of surrogacy also includes medical expenses and medical insurance for the surrogate. This encompasses a full range of costs associated with:

  • Prenatal care,
  • Maternity care,
  • Physical therapy or chiropractic care;
  • Nutrition consulting or gestational diabetes treatment;
  • and any medical procedures or treatments necessary during the pregnancy.

These expenses can vary depending on factors such as the surrogate’s health insurance coverage and any medical complications that may arise. On average, the overall cost of medical expenses can amount to $10,000 to $15,000 or more in the United States.

Legal Fees for Surrogacy:

Legal fees for fulfilling legal services are essential to the surrogacy process. Services include:

        • drafting and negotiation of surrogacy agreements,
        • negotiating parental rights,
        • crafting non-disclosure agreements;
        • and other legal matters related to parental rights.

Legal fees can vary depending on the complexity of the surrogacy arrangement and the attorney’s rates.

Typically, intended parents should budget between $5,000 to $10,000 for legal fees.

Psychological Support:

An underestimated surrogacy cost is mental health support. Any pregnancy will transform a person.

Surrogates often require psychological support to navigate the emotional challenges of the surrogacy journey. While some agencies may include psychological support services in their fees, not all do.

Moreover, others may charge additional fees for counseling, or therapy sessions are paid separately.

An intended parent budget should account for approximately $1,000 to $3,000 for psychological support services.

Insurance Premiums:

Intended parents are generally responsible for covering the cost of health insurance premiums for the surrogate. These may include deductibles, copayments, or other out-of-pocket expenses associated with medical care during the surrogacy process.

Insurance premiums can vary depending on the surrogate’s insurance coverage and the state’s regulations regarding surrogacy.

Intended parents should budget between $3,000 and $10,000 for insurance premiums for the duration of the pregnancy.

In short, navigating the costs of surrogacy requires careful planning and financial preparation. Understanding the breakdown of typical surrogacy costs is essential, as is working closely with reputable surrogacy agencies, medical professionals, and legal experts.

Surrogate Compensation and Reimbursements Explained

Surrogate compensation and reimbursements are pivotal aspects of the surrogacy journey. Furthermore, it ensures fairness and support for the surrogate. Let’s explore these in detail:

Surrogate Compensation Explained for Intended Parents:

1- Structured Payment System:

Surrogate compensation involves a structured payment system, which ensures the surrogate is fairly compensated for her commitment and sacrifices.

According to the American Society for Reproductive Medicine (ASRM), compensation typically ranges from $30,000 to $50,000. In addition, it may vary based on location, experience, and any additional requirements. Usually, she is paid in instalments.

2- Medical and Emotional Toll:

Compensation acknowledges the physical and emotional toll of carrying a pregnancy to term. Surrogates undergo extensive medical procedures and emotional challenges throughout the process. Likewise, it warrants recognition of their efforts through compensation.

3- Legal Framework:

Surrogate compensation is often outlined in a legally binding surrogacy agreement. Those legal services protect both the surrogate and intended parents. This agreement mainly specifies the compensation structure, but also things that the surrogate is not allowed to do while pregnant — drinking, smoking, and anything harmful to the baby might jeopardize the agreement.

Reimbursements for Surrogacy Agency:

1- Covering Essential Expenses:

Reimbursements are designed to cover essential out-of-pocket expenses incurred by the surrogate during the surrogacy process. These essential expenses may include:

  • Travel costs for medical appointments
  • Maternity clothing
  • Prenatal vitamins

2- Financial Support:

Reimbursements provide financial support to surrogates. Furthermore, it ensures they are not burdened by the costs of being a surrogate. By covering these expenses, intended parents demonstrate their commitment to supporting the surrogate throughout the journey.

3- Transparent Processes:

A transparent reimbursement process is essential to ensure clarity and fairness for both parties.

Surrogacy agreements should clearly outline the types of expenses eligible for reimbursement and the process for submitting and receiving reimbursement payments. This transparency especially fosters trust and cooperation between intended parents and surrogates.

In short, surrogate compensation and reimbursements are essential to the surrogacy process. They also provide financial support and recognition to the surrogate.

Surrogacy Financing & Payment Options

Starting on a surrogacy journey often comes with significant financial outlay. Understanding the financing options and payment strategies available is crucial for intended parents.

Personal Savings, Loans, and Lines of Credit for Surrogacy:

Some intended parents fund their surrogacy journey through personal savings or investments. This option provides autonomy and flexibility but may not be feasible for everyone.

On average, total surrogacy expenses in the United States range from $80,000 to $150,000. Including:

            • Agency fees,
            • Surrogate compensation,
            • Medical expenses,
            • and legal fees.

Many financial institutions offer loans or lines of credit specifically tailored to assist with fertility treatments and surrogacy expenses. These financial products allow intended parents to spread the cost of surrogacy over time, making it more manageable.

Loan amounts can vary but typically range from $20,000 to $100,000. Also, terms depends on the lender’s stipulations and the borrower’s creditworthiness.

Crowdfunding and Fundraising:

Some intended parents turn to crowdfunding platforms or fundraising events to gather financial support from friends, family, and the community.

Crowdfunding campaigns can help offset surrogacy costs by inviting donations from individuals who want to contribute to the journey.

Fundraising events such as bake sales, auctions, or online fundraisers can also generate additional funds to support the surrogacy process.

Several organizations and foundations offer grants and scholarships (a list is provided in the preggyfinance.com course) to assist intended parents with the financial burden of surrogacy. These grants may cover a portion or all of the surrogacy expenses. Moreover, it provides much-needed financial relief for families struggling to afford the process.

Grant amounts vary but range from a few thousand dollars to over $10,000. It depends on the organization and the applicant’s circumstances.

Payment Options and Strategies in terms of Cost of Surrogacy:

Payment Plans: Many surrogacy agencies and fertility clinics offer payment plans to help intended parents pay down the cost of surrogacy over time. These plans typically involve monthly instalments or milestone payments throughout the surrogacy journey.

By breaking down the total cost into manageable payments, payment plans make surrogacy more accessible to a broader number of intended parents.

Escrow Services: Escrow services are crucial in managing financial transactions throughout surrogacy. An escrow account holds funds for surrogate compensation, medical expenses, and other related costs.

Insurance Coverage: Understanding health insurance coverage is essential for managing surrogacy costs effectively. Intended parents should review their health insurance policies to determine if they provide surrogate coverage for surrogacy-related expenses such as prenatal care and delivery.

Legal Considerations: Legal agreements outline the financial responsibilities of all parties involved in the surrogacy arrangement.

Surrogacy contracts should address compensation, reimbursements, and any financial contingencies that may arise during pregnancy’s unpredictable process. Working with experienced surrogacy attorneys ensures the legal framework is robust and protects the interests of intended parents and surrogates.

Take Aways

When you’re thinking about surrogacy, money matters. Here’s what to expect for the overall cost:

Ways to Pay for Surrogacy:

Personal Savings: Some save up money or use what they already have. Despite this, surrogacy can cost a lot—between $80,000 to $150,000 in the U.S.

Loans and Credit: Banks can lend money for surrogacy. They offer loans or lines of credit. You might borrow $20,000 to $100,000, depending on your credit.

Crowdfunding: This method allows you to collect donations from friends, family, or even strangers. You can also ask for help online.

Grants and Scholarships: Organizations might offer grants to help with surrogacy, which can be a few thousand dollars or more.

How to Pay:

Payment Plans: Surrogacy agencies and clinics might offer installment plans, which make it easier to manage the cost. Ask about financing options.

Escrow Services: Money is held in an escrow account. It’s released as needed for things like surrogate payments or medical bills.

Insurance: Check if your insurance covers surrogacy costs. If not, you might need extra insurance or be ready for extra medical bills.

Legal Agreements: Lawyers help set up agreements and legal contracts. They handle financial matters, like how much to pay the surrogate and who pays for what. They also discuss what happens in worst-case scenarios.

Planning ahead and understanding your options can make surrogacy more affordable and less stressful.

Even if you use a friend or family member for egg donation or as a surrogate, it’s important to consider how it might affect your relationship. And if something goes wrong, like a miscarriage, it’s essential to have a plan in place. Overall, surrogacy can be a big financial and emotional commitment. However, with careful planning, you can make informed decisions on when and how to start.

female, diary, journal

FAQ

Is it cost-effective to ask a friend or family member to be my surrogate?

Having a friend or family member as a surrogate might seem like it saves money because you don’t pay agency fees. But think about the emotional stuff. It could strain your relationship and add stress. Even without agency fees, you’ll still pay for medical bills and legal fees and give your surrogate money. Your child might also be part of a surrogate’s life, and that may be hard for everyone.

How Much Are Agency Fees?

Agencies charge different amounts for their services. They averagely charge between $15,000 and $35,000 or even more. These fees include finding a surrogate, doing medical and mental checks, and helping with legal stuff. Look around to find an agency that fits your budget and needs.

How Much Are Legal Fees for Surrogacy?

Legal fees can change depending on the complexity of your surrogacy and the lawyer you hire. Usually, they range from $5,000 to $10,000. This money ensures that all the legal stuff is done right, like agreements and rights. Make sure you get a lawyer who knows about surrogacy laws.

What Does Health Insurance Cover?

Every insurance plan is different. Sometimes, insurance covers things like doctor visits and giving birth. Check what your surrogate’s insurance covers. If it doesn’t cover everything, you might need to get extra insurance or pay some costs yourself.

Do Surrogates Get Paid If They Miscarry?

Usually, surrogates get some money even if they have a miscarriage. How much depends on the agreement and the laws in your state. It’s important to talk openly with your surrogate and lawyer about what happens if there’s a miscarriage.

Allow preggyFinance.com to assist you in managing the unforeseen time and financial obligations that accompany your journey into parenthood. Enroll in the Preggy Finance course today by signing up here.

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