Surrogacy Cost Breakdown

A sample budget of the costs associated with gestational surrogacy.

donor embryo cost

This sample budget will give you an overview of the line items associated with conceiving through surrogacy. Actual gestational surrogate costs will vary from clinic to clinic and from case to case.

*Please note that the range of services among surrogacy programs vary widely. Some programs include certain medical and legal fees in their costs, while others do not. When comparing programs, make sure to get a complete breakdown of the included services.


GESTATIONAL SURROGACY COST BREAKDOWN

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Program Fees

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$6,000-$27,000
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Payment to Egg Donor

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N/A if intended mother’s egg is used; add regular egg donor costs of $20,000-$35,000 or embryo donor costs of $8,000-$20,000 if a third-party egg or embryo is used.
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Payment to Carrier

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Some states forbid compensation for gestational surrogates. Where it’s allowed, costs range from $18,000 to $45,000; multiples will cost $2,000 to $5,000 extra. Experienced carriers command higher fees.
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Insurance for Carrier

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$200-$500 for short-term life insurance policy. $20,000 to $40,000 or more if you need to purchase health insurance for the carrier. While a carrier may have insurance, many plans specifically exclude surrogacy. If you purchase as a “backup” policy and don’t end up submitting any claims, the insurance company may refund all but about $2,000.
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Legal Fees

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$1,500-$12,000; varies, depending on state laws.
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Medical Fees (expenses in addition to pregnancy and delivery)

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$13,000-$21,000; costs include testing and medications for egg donor and carrier, egg retrieval and IVF procedures. Cost will be more if an egg donor (not the intended parent) is used, and less for frozen embryo transfers.
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Extra Costs (includes psychological evaluations for donor and recipients)

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$300-$500 for psychological testing/counseling. Intended parents may be liable for child care or housekeeping fees if a carrier is put on bed rest. Some programs include an allowance of $500 or more for maternity clothes.
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Travel Expenses

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Depends on the location of the surrogate (and egg donor, if used). Can range from $4,000-$6,000.
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Average TOTAL

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$50,000-$120,000+
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