Is Surrogacy Expensive? Yes and No.

A man holding a newborn baby

Surrogacy is an increasingly common method of assisted reproduction that provides an alternative path to parenthood for many individuals and couples. One of the most frequent questions for those considering this journey is, “What does surrogacy cost?” In this article, the staff at Family Creations offers our advice for exploring this question in detail. Please note that our focus for this article is gestational surrogacy. Look at our recent blog post to learn about the difference between gestational and traditional surrogacy.

Understanding the Surrogacy Cost Breakdown

Gestational surrogacy is a process where an individual or couple (the intended parents) engages another woman who is unrelated to them (the surrogate) to carry a pregnancy. Gestational surrogacy is commonly used by couples or individuals who cannot medically or biologically carry a pregnancy to term. Many people wonder if this form of surrogacy is expensive. The answer is both “yes” and “no.” Let us explain in greater detail why.

In gestational surrogacy, a donor egg (or the intended mother’s frozen egg) is fertilized by the intended father’s sperm (or donor sperm) and surgically implanted into the surrogate. The surrogacy cost breakdown can vary for removing or purchasing eggs and sperm and for the surgical procedure to implant the embryo into the surrogate. However, with this form of surrogacy, the surrogate has no genetic connection to the parents, which makes it legally binding and attractive to those wanting to create or grow their family.

Why Consider Surrogacy?

Surrogacy is expensive. So, why should individuals and couples desiring a child consider it as a family planning option? People choose surrogacy for various reasons. Some are unable to conceive or carry a pregnancy due to infertility or medical issues that would be life-threatening to the mother or the unborn child. Others may be part of same-sex couples, single individuals who want a genetic connection to their child, or older couples who have struggled with infertility. While many celebrity stories about surrogacy can be found online, movie stars, musicians, and political families aren’t the only ones engaging in surrogacy. Every year, a growing number of “regular people” realize that they can afford the surrogacy cost breakdown and ultimately decide to collaborate with a gestational surrogate. The benefits of surrogacy can be immense, providing a chance at parenthood that otherwise might not exist. It can also create deep bonds between intended parents and surrogates.

Ways to Afford Surrogacy

Financial planning is crucial when considering surrogacy. Options like personal savings, loans, or fundraising can help cover expenses. Some intended parents also explore grants or assistance programs aimed at helping people afford assisted reproduction.

Insurance is another critical factor, as some policies cover specific aspects of the surrogacy process. It’s important to review your policy thoroughly or consider purchasing additional coverage.

A man and woman place their hands on a surrogate’s pregnant belly

The Cost Breakdown of Gestational Surrogacy

Surrogacy is often expensive, but the cost varies depending on factors like location, legal requirements, and individual circumstances. It typically ranges from $70,000 to $150,000 in the United States. Surrogates at Family Creations earn between $50,000 to $100,000 plus, depending on multiple factors. Payments begin the month after the pregnancy is confirmed. Ten subsequent payments are made regularly, with the balance provided after the new child’s birth. At Family Creations, we strive to be fully transparent about the breakdown of surrogacy costs. Our experienced staff can answer any questions you may have during decision-making.

Is Surrogacy Expensive? Weigh the Pros and Cons

Compared to other fertility treatments or adoption, surrogacy is indeed more expensive. And it does require considerable emotional and financial investment. Financially, it demands careful planning and potentially long-term commitments. However, surrogacy provides a unique opportunity for those who cannot conceive or carry a pregnancy naturally. It’s essential to weigh the monetary factors in the surrogacy cost breakdown against your personal desire and need for a biological connection to your child. 

Connect with Family Creations

While Surrogacy can be expensive, it’s essential to consider it in the context of your personal journey toward parenthood. The costs often pale in comparison to the joy of welcoming a new life into the world.

For those considering this path, help and resources are available through Family Creations. With over 15 years of experience in surrogacy and egg donation, we have successfully navigated the journey through the surrogacy cost breakdown with many couples and individuals desiring a family. Contact us today to learn more about working with us.

by Julia McConnell | Last updated on : September 29, 2023