The cost of surrogacy is usually about sixty-thousand dollars, however, you may incur some additional costs such as a use of an egg donor if applicable. Your additional costs will vary depending your particular situation. The cost of surrogacy can also be quite costly, so it is important that you prepare yourself for this experience from a financial standpoint. However, insurance may be able to help shoulder some of the financial obligations.
Basic Costs
Usually, the cost of surrogacy includes administrative fees in the amount of sixteen thousand dollars. The agency that you are working with may allow you to pay off this amount in monthly installments. Surrogate service fees can range from thirteen thousand to twenty-five thousand dollars. Another fee would typically range from ten to fifteen thousand dollars, and this would pay for the in vitro fertilization (IVF) screening and any procedures required. You can also expect to add the costs of legal fees, which are usually ten thousand dollars. The majority of the time you will have to pay a stipend to the surrogate, which could include the cost of maternity clothing. This could be between four to six thousand dollars.
Additional Costs
Depending upon which surrogacy program you participate in, you may be charged additional fees other than the basic costs. Some surrogacy programs require that you and your surrogate undergo psychological counseling. Often the surrogate may request this counseling at the expense of the new parents. Depending upon your location, prices may vary, however, a standard price for a regular session could be approximately twenty-five hundred dollars.
Counseling will prepare you for the experiences that you will encounter during and after this process. Depending upon the contract between you and your surrogate, you may also have to pay the surrogate for attending the counseling sessions.
If the in vitro fertilization procedure is successful, but the surrogate has to have a cesarean or c-section performed, then you will most likely be responsible for these costs as well. This fee could be approximately fifteen hundred dollars. Hopefully, there are no complications that occur which require the surrogate to miss work or remain in the hospital or a treatment facility for a longer period of time than normally required. If this situation does occur, then you may be required to pay the surrogate and spouse for lost wages. These fees could be three thousand dollars or more depending upon the length of time needed to recover from any unexpected events that occur during this time frame.
Insurance
A surrogate will most likely have health insurance, which will often cover the costs associated with the maternity portion; however, IVF will probably not be covered by the insurance company. This is usually case-specific so it is recommended that you discuss your options with your insurance company to see if you qualify for coverage.
Make sure that you research the business procedures of several surrogacy agencies before you make a commitment to one. Costs and fees can vary so make sure to get a detailed breakdown of any financial obligations that are involved in the surrogacy program.
