“How much does surrogacy cost?” is a very common question that I get from intended parents. The answer is that the costs of surrogacy can vary widely, ranging from $15,000 to $100,000 or more. Generally, the lower end of the range represents an independent surrogacy match with a friend or family member with insurance coverage in place for the pregnancy. Surrogacy agency matches tend to be at the higher end of the range, although it’s important to remember that agencies provide valuable services in exchange for their fees. There’s no question that surrogacy is an expensive undertaking, and many intended parents have to rely on various types of loans to afford surrogacy. The good news is that, for many intended parents, certain surrogacy costs may be tax-deductible–please consult your tax professional to understand how the tax laws apply to your situation. Surrogacy is not an option reserved just for the rich, and can be made affordable for many families with advance planning.
Here’s a breakdown of the potential expenses that you might encounter during your surrogacy journey. Keep in mind that not all of these costs may apply to your situation, and your particular circumstances may have actual costs that fall outside this range or require additional types of expenses.
Screening costs: $3000+
IVF related costs: $10,000+
Prenatal and delivery expenses: varies depending upon availability of insurance and actual medical care required
Baby’s post-birth medical expenses : varies depending upon availability of insurance and actual medical care required
Tip: Careful planning, which includes the purchase of appropriate insurance policies, can minimize the likelihood of unanticipated out-of-pocket medical expenses.
Agency Related Expenses:
Agency service fee: $20,000
Trust account management: $1000
Surrogate support group fees: $1200+
Tip: Agency costs should not be the sole factor in your selection of a surrogacy agency.
Surrogate Mother’s Compensation:
Base compensation: $10,000-40,000
Transfer fees (per cycle): $500+
Multiples fee (per fetus): $1500+
Invasive procedure fees: $500+
Cesarean section fee: $1500+
Loss of reproductive organs: $1000+
Tip: Surrogate benefit packages can vary quite a bit among agencies.
Surrogate Mother’s Reimbursement:
Maternity clothing allowance: $500-1000
Childcare reimbursement: varies
Lost wages reimbursement: based on salary
Spouse’s lost wages reimbursement: based on salary
Life insurance: $500
Housekeeping reimbursement: $50-75/week
Allowance for miscellaneous expenses: $200/month
Tip: Reimbursement needs can vary greatly from one surrogate mother to another depending on her individual circumstances.
Legal fees for intended parents: $5500+
Legal fees for surrogate mother: $2000+
Tip: Legal fees are typically split into two phases: the contract phase, which is early in the process, and the parentage phase, which occurs in late pregnancy or after the birth.
Miscellaneous Surrogacy Costs:
Transportation expenses: varies
Egg donation related costs: $12,000-30,000
Tip: Frozen eggs are often a less expensive option for intended parents who require donated eggs.
One of the important roles that your attorney will play is to ensure that the surrogacy compensation package meets the requirements of the applicable state laws. For example, in New Hampshire all compensation paid to the surrogate must be reasonable and must also be spelled out in the written surrogacy contract. Thus, it’s really important to be working with your attorney early on in the process to avoid any problems down the road. Please contact me at the Law Office of Catherine Tucker for assistance with your legal needs during your surrogacy journey.