Preparing for the Cost of Surrogacy

ConceiveAbilities - Preparing for the Cost of Surrogacy
## How much does surrogacy cost? You’ve done your research, talked to your doctor, and finally decided that surrogacy is the right choice for you. The next question you might have is also one of the most common: “How much does surrogacy cost?”

The answer is not so straightforward- there are numerous costs involved in the process that can fluctuate and vary depending on each parent and surrogate’s circumstances. The real focus should not be on the costs of each arrangement, but the value of the arrangement. It’s simply not enough to look at the monetary value assigned to the overall service, but the actual value of each component that makes surrogacy successful.

Breaking Down the Cost of Surrogacy

In this post, we’ve not only listed estimates for the price of surrogacy services, but where your money goes as well. Keep in mind these figures are estimates, and can differ depending on the specific case.

Surrogate Mother Compensation

Approximately $43,000 and up
Surrogate mother compensation are fees paid to the surrogate for her time, effort and inconvenience to carry a pregnancy for another person. Varying increases to surrogate mother pay can include maternity clothing, travel to and from physician’s offices, necessary medication, childcare, housekeeping and lost wages.

Professional Management Fees

Approximately $40,000 and up
A great, reputable agency is more than just a name- agencies are guides through the entire surrogacy journey. They recruit, screen and thoroughly educate qualified applicants, they provide access to financial and legal resources, and act as the project manager for all of the ancillary professionals and moving parts. Agencies ensure that all parties are on the right track and the same page so that the delivery is successful and Intended Parents have peace of mind.


Some of the cost of surrogacy is paid towards maternity health insurance coverage. This can vary depending on whether the surrogate already owns a health insurance policy. With the volatile and shifting insurance landscape within the U.S., the lowest risk and safest bet is to purchase a stand-alone Lloyd’s of London policy which ranges from $25,000-$41,000.

IVF & Embryo Creation

Approximately $25,000 and up
These fees go toward the In-Vitro Fertilization (IVF) process, whereby eggs are retrieved from the donor or intended mother and fertilized by sperm in a lab. The resulting embryos are used to transfer into the surrogate mother who is not genetically related to the child she is carrying. Fees may cover medications, ultrasounds, blood tests, genetic screening and laboratory costs.

Egg Donor Program

Approximately $15,000 and up
Sometimes, the intended mother’s eggs may not be healthy enough to create embryos. In these cases, an egg donor will need to be contracted for the IVF procedure. The approximate costs go towards recruitment, education, screening and management of the donor. In addition, compensation to the donor for her time and effort is factored into program fees.

Legal Fees

Approximately $7,000 and up
To ensure all procedures are in accordance with the corresponding state’s law, legal fees are an essential component of the cost breakdown. This includes drafting and executing contracts that ensure parentage for the intended parents.

Psychological Support

Approximately $6,500
All ConceiveAbilities surrogates must undergo a psychological screening to ensure a high level of mental stability for pregnancy. This also includes a home visit, where ConceiveAbilities staff visit the surrogate’s home to ensure a proper environment for the baby the surrogate is carrying. Finally, it includes ongoing individual and group support for the surrogate throughout her journey.


Approximately $1,500 and up
Some surrogates may live in remote areas where the clinic may not be conveniently accessed. In these cases, this fee covers the travel expenses for the surrogate or the egg donor.

Total Cost

Approximately $140,00- 240,000
Remember that the total cost of each journey will be different depending on a number of factors, such as the chosen surrogate, your location, medical insurance, wage status for the surrogate and whether or not she is carrying twins. Make sure to anticipate the average range when budgeting for a surrogacy journey.

Even with this guide, there’s a good chance you may still have questions about costs associated with your surrogacy arrangement. ConceiveAbilities is here to educate you about this process. Please contact us if you have any further inquiries.

For more information on becoming a surrogate, check out our blog post on the surrogate requirements here.