Surrogacy involves various components contributing to the overall cost, including location, program, and personal circumstances. While many agencies charge hundreds of thousands of dollars for surrogacy services, our program leverages partnerships in Mexico to provide comprehensive surrogacy services at approximately 50% less than comparable programs in the United States. This cost advantage comes without compromising the quality of care or legal protections for intended parents.
Our surrogacy package, priced at $44,000, covers all essential expenses plus an emergency fee of $4,000 that’s refundable if unused. We designed this package with the following services to provide financial clarity and predictability throughout your surrogacy journey:
- Surrogate compensation fee
- Provision of all required medications for the embryo transfer process, including vitamins and supplements
- The surrogate’s travel expenses
- Surrogacy screening
- Embryo transfer
- Embryo storage
- Preservation of embryos in frozen storage until they are ready for transfer
- Delivery of the baby
This all-inclusive approach eliminates the stress of unexpected costs and allows you to focus on the journey to parenthood rather than financial concerns.
Insurance Considerations for Surrogacy
Insurance plays a crucial role in managing potential financial risks during a surrogacy journey. The National Infertility Association notes that specialized insurance coverage for surrogacy arrangements can protect intended parents from unexpected medical expenses during pregnancy and delivery.
Our program includes the following services to make understanding insurance policies easier:
- Surrogate medical insurance screening to verify coverage
- Supplemental insurance policies, when needed
- Assistance navigating international insurance requirements
- Contingency planning for potential complications
We work with insurance specialists who understand the unique aspects of international surrogacy arrangements to ensure appropriate and maximized coverage throughout the process.
Employer Benefits for Fertility Treatments
In recent years, companies have significantly increased their benefits offerings to help employees start families. Thanks to fertility benefit providers like Carrot, Progyny, and WINFertility, more employers now recognize the importance of comprehensive and inclusive family creation benefits.
We encourage all intended parents to inquire with their human resources department about potential fertility benefits that may help cover surrogacy costs. If you have access to these benefits, ask for a comprehensive explanation. We will tailor a cost estimate so you can understand what is covered and what’s not. If your employer doesn’t offer fertility benefits, consider advocating for them. Your initiative could benefit not only you but many others within your organization.
Additional Financing Options for Surrogacy
If you don’t have fertility benefits through your insurance or your employer, you still have financing options to alleviate the costs of your surrogacy journey. These options include the following:
Dedicated Fertility Financing Programs
Specialized lending institutions offer loans specifically designed for fertility treatments and surrogacy arrangements. These programs typically provide more favorable terms than traditional loans for those pursuing family-building through surrogacy.
Home Equity and Retirement Funds
Some intended parents utilize home equity loans or make hardship withdrawals from retirement accounts to finance surrogacy. While these options provide access to funds, they require careful consideration of long-term financial implications.
Grants and Foundations
Organizations such as the Family Formation Charitable Trust provide financial assistance to those pursuing surrogacy. These grants are often competitive but can significantly reduce out-of-pocket expenses for qualifying applicants.
Crowdfunding
Platforms like GoFundMe have become increasingly common tools for intended parents to share their stories and receive financial support from friends, family, and even compassionate strangers who wish to help with surrogacy expenses.
