How much does surrogacy cost?

Total surrogacy costs typically range from $101,000 to $195,000, including agency fees ($20,000–$35,000), surrogate compensation ($40,000–$80,000), medical costs ($15,000–$30,000), legal fees ($8,000–$15,000), and insurance ($8,000–$20,000).

What is included in surrogacy costs?

Surrogacy costs include: agency fees for matching and case management, surrogate compensation, medical costs for IVF and prenatal care, legal fees for surrogacy agreements, surrogate health insurance, and miscellaneous expenses.

How do people pay for surrogacy?

Surrogacy can be financed through personal savings, specialty fertility loans (up to $100,000, 7–15% APR), home equity loans, employer fertility benefits, or 401k loans.

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Do you need a donor?

No Yes, egg donor+$35,000–$65,000 Yes, sperm donor+$1,000–$3,000

Surrogacy type

Through an agencyMost common — full support Independent / identifiedKnow your surrogate already

State where surrogacy will occur

Legal costs and surrogate compensation vary by state.

Do you already have frozen embryos?

Yes, I have embryos No, I need IVF first

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