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All Things Conceivable Blog

Preparing for the Cost of Surrogacy

December 14th, 2016 Category: Surrogacy
ConceiveAbilities – Preparing for the Cost of Surrogacy

How much does surrogacy cost?

You’ve done your research, talked to your family, 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.

Gestational Surrogate Program

Approximately $39,450 to $52,450
A majority of the surrogacy cost is paid towards the surrogate. This is to compensate her for her time and effort as a surrogate.

Surrogacy Agency Fees

Approximately $28,500 to $31,000
A great, reputable agency is more than just a name- agencies are guides through the surrogacy journey. They help ensure that all parents, surrogates, and egg donors are qualified and educated about the process. The last thing any parent or surrogate would want is an arrangement fraught with miscommunication or dishonesty. Agencies ensure that all parties are on the right track and the same page so that the delivery is successful.


Approximately $300 to $41,000
Some of the cost of surrogacy is towards maternity health insurance coverage. This can vary depending on whether the surrogate already owns a health insurance policy.

IVF & Embryo Creation

Approximately $18,000 to $26,000
These fees go towards the In-vitro fertilization (“IVF” process), whereby eggs are retrieved from the donor or intended mother and fertilized by sperm in a lab. The fertilized egg becomes an embryo which is then implanted into the surrogate’s uterus. One “cycle” (the IVF process from beginning to end) takes approximately two weeks. The fee towards IVF is also to ensure that the procedure is done professionally according to industry standards, so as to prevent any mistakes or errors before conception.

Egg Donor Program

Approximately $12,250 to $15,250
Sometimes, a surrogate or intended mother’s eggs may not be sufficient for reproduction. In these cases, an egg donor will need to be contracted for the IVF procedure. These costs go towards the screening of the donor, and for the successful retrieval of the eggs for use.

Legal Fees

Approximately $5,000 to $15,000
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 transfer parentage from the surrogate mother to the intended parents.

Psychological Support

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


Approximately $1,500 – $3,500
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 $111,500 – $190,700
Remember that the total cost of each journey will be different depending on a number of factors, such as the chosen surrogate, your location, your medical insurance, and more. Make sure to speak with your respective Match Manager to discuss your financial options.

Get Help Through Surrogacy Financing

Understandably, some parents may need some assistance paying for their surrogacy arrangement. At ConceiveAbilities, we’re proud to offer financial assistance through our partner, Prosper Healthcare Lending, one of the country’s leading healthcare providers.

Even with this guide, there’s a good chance you may still have questions about paying for 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.

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