How much it costs to work with a surrogate mother can vary greatly, as it depends on each individual situation. If you are really serious about surrogacy as an option for growing your family, the important step to take is to set a budget for yourself so you can make sure you will have the funds you need.
Several factors will go into the overall expenses associated with surrogacy:
- Surrogacy agency fees (contact Magic Journey, LLC for our fee schedule)
- Surrogate mother costs (compensation, medical expenses and reimbursements)
- Psychological screening and monitoring
- Medical expenses for in vitro fertilization (IVF) for parent or surrogate
- IVF costs to use your own eggs or secure donated eggs
- Legal representation
- How many attempts it will take to successfully conceive
- Medical insurance
Some of these expenses will be fixed while others will be variable. The surrogate mother you choose and what she is willing to accept as compensation will definitely make a big difference. It’s important to be financially prepared in case there are any complications during the pregnancy and in case the IVF process doesn’t work on the first attempt.
Do I Need to Pay All the Surrogacy Costs at Once?
Since the surrogacy process involves many stages, we do not require the full payment upfront. Financing is available with low rates and extended repayment terms for parents who would like to make monthly payments.
How much does a surrogate cost?
Total costs for gestational surrogacy can range from $120,000 to $200,000. The final price will vary depending on the number of attempts to conceive, surrogate compensation and expenses, the number of children conceived, and optional or additional services.
1. Number of attempts to conceive: Eggs that are 30 years or younger have a higher chance (75%) of conception during the first attempt, than eggs that are 38 years or older. Each additional pregnancy attempt can increase total surrogacy costs by $15,000 to $50,000.
2. Surrogate compensation and expenses: Experienced surrogates receive higher compensation with every successful surrogacy. In states like California, second-time surrogates can receive an additional $10,000. Another variable expense parents should take into consideration is the surrogate’s health insurance. Parents do have the option of waiting for a surrogate with lower insurance costs, but this will likely increase wait time.
3. Number of children conceived: For surrogates carrying twins, the additional cost is $7,500. Surrogates will also need assistance at home (e.g., childcare, housekeeping, etc.) and may need to go on maternity leave earlier, which may increase your liability for wage reimbursement. A twin pregnancy can increase the cost of a specialty surrogate insurance policy by $15,000 or more.
4. Optional and additional services: Parents choosing gestational surrogacy can obtain embryo genetic testing anywhere from $6,500 to $8,500. For traditional surrogacies, egg donation can increase the cost by $40,000 to $60,000.
Magic Journeys’ finance team is available to answer any questions parents may have about variable costs and financing options. Each case is different and we are happy to create a custom budget to fit your needs. Contact us today to schedule an appointment.