Your surrogacy financing options

Surrogacy can allow people who cannot physically carry a baby to become parents. But with average costs ranging from $100,000 to as high as $200,000 according to AmericanSurrogacy.com, it may feel out of reach.

The cost of surrogacy is difficult to predict because there are unique variables in every case. Depending on your situation and the state in which you live, you may need to account for certain legal services, medical expenses, and surrogate compensation. These expenses are in addition to standard agency fees for finding the right surrogate and providing counseling, education, and support. Ultimately, your needs will determine the final cost for using a surrogate.

Depending on your situation, there are many options to explore to help pay for surrogacy.


Agency financing

Some agencies offer their own financing programs. Be sure to understand the interest rates and review with your financial professional.


Fertility financing loans

Some financial organizations specialize in fertility financing that may be applied to surrogacy programs.


Grants

These non-repayable funds are awarded on an annual basis to help ease the financial burden of surrogacy and other fertility treatments.


Other options

You may also want to consider other options to help pay for surrogacy including zero-interest credit cards or even crowdfunding with friends and family that may be willing to help.

For more information about surrogacy financing, visit Surrogate.com.


Surrogacy laws vary by state

Before you begin, confirm surrogacy is possible in your area and determine which laws will apply to your situation.

See your state

EXPLORE MORE ABOUT SURROGACY AND DONORS

Rob’s surrogacy and donor story

Rob and his husband chose egg donors and navigated the surrogacy process to build their family.

Other aspects to consider when using a donor or surrogate

Explore key financial factors, insurance coverage, and other considerations to plan for your fertility journey.

Want to learn more about fertility medications from EMD Serono? Patients can learn more here. For healthcare professionals, click here.

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