Become a Parent

Physician’s Surrogacy, the nation’s only obstetrician-
managed surrogacy agency.

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We recognize the journey to parenthood comes with a wide range of emotions and choosing to become a parent through surrogacy is a decision not to be taken lightly. Selecting the right agency is one of the most important steps. Our integrated service approach guides you through the family building process, minimizing cost, time spent, and uncertainty and risk.

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The Physician Advantage

Your Journey to Becoming an Intended Parent

Intended Parents Journey

We understand it took a lot of time and effort to create your embryos. From selecting your IVF center, choosing the right Reproductive Endocrinologist, the egg retrieval process, and waiting to see how many embryos you’ve created. We make sure that your investment is protected, and the newest member of your family is delivered safely into this world.

During your initial consultation our goal is for you to understand our process, get to know us and be confident that your surrogate journey will be as smooth as possible. We will go over all your preferences, goals and requirements that are vital in creating your unique path to parenthood.

We also want to learn more about the physician you are currently working with, so we can find a surrogate that will fit both you and your IVF centers preferences.

Our consultative approach takes into consideration that every journey is unique, and one set option doesn’t suit everyone’s needs. We will work closely with your IVF center and present you with a personalized plan that works best for you.

Immediately following your consultation, you will receive a quotation based on the scenarios discussed. Your quotation outlines all variables including financial considerations (surrogate experience, employment status and location), additional testing preferences and logistics (based on the proximity to your IVF center).

During the surrogate matching process our team aligns your goals, preferences and center requirements to create your ideal match. You are presented surrogates who have passed our rigorous social and medical pre-screening process, which includes a comprehensive background check, internal OB review of prior pregnancy and delivery records, and preliminary diagnostic screenings. We also confirm the candidate meets the gestational carrier criteria and your IVF center and Reproductive Endocrinologist.

To start the complementary matching process, we simply collect the necessary identification and then hand select your matches based on your pathway to parenthood plan. Picture profiles of your potential surrogates are sent to you. Once you’ve selected the profiles that you’re interested in learning more about, we will share their public profile with you. If there are any FDA or medical consideration a potential surrogate needs to be made aware of, one of our physicians can discuss this with them prior to moving forward. The final step would be to schedule a meet and greet video chat with your potential surrogate, allowing you to move forward with confidence.

After a match is confirmed by both you and your surrogate, our agency agreement is signed, and you officially become an Intended Parent with Physician’s Surrogacy. We will not ask you to sign an agreement until a two-way match is confirmed. Your surrogate then goes through a comprehensive medical screening at your IVF center. A psychological screening is also conducted ensuring that your surrogate is medically and emotionally prepared to prioritize a surrogacy journey.

Once your surrogate completes the screening, a medical clearance letter is issued, allowing you to proceed to the legal contract phase. Both you and your surrogate have your own legal representation. The legal contract takes approximately 2-4 weeks, however; your legal representation stands by to support you and your surrogate throughout the journey.

Physician’s Surrogacy acts as a liaison between your Reproductive Endocrinologist, your surrogate and their IVF coordinator providing additional resources and support until graduation. You’ll have peace of mind knowing that you have two physician teams working together to prepare your surrogate for the embryo transfer. While we don’t provide clinical guidance, we help with the coordination of logistics and monitoring. This includes making sure that the surrogate maintains timely contact with the IVF center and attends all necessary appointments. Collaborating with your IVF center also guarantees that we are working together as a team, providing you with the best possible outcome.

Pre-Graduation: As physicians, we understand the importance of timeliness and the delicate details of medical protocols to ensure their success. We work closely with your IVF center from the beginning of the IVF process until graduation, ensuring a smooth start to the pregnancy.

During the early stages of pregnancy, time is of the essence. Working closely with you and your surrogate, we support you by ordering NIPT testing (Non-Invasive Prenatal Testing) and ensuring the managing OB is provided the results, a service no other agency can offer. NIPT is a DNA test to screen for the most common chromosomal abnormalities, including Down Syndrome (trisomy 21), Edwards Syndrome (trisomy 18 and Patau Syndrome (trisomy 13).

Post Graduation: Once your surrogate graduates from your IVF center’s care, one of our experienced physicians continues to closely monitor the pregnancy through detailed reports and peer-to-peer with their OB where necessary. These detailed reports are used by our clinical team and your case manager to keep you informed throughout the pregnancy, rather than relying on your surrogate for medical updates. If further explanation is needed, our in-house physicians are able to speak with you directly. Closely following the progress of the pregnancy allows us to identify and mitigate potential risks.

Additional testing, if elected, is ordered and coordinated by our agency, guaranteeing their completion. The results are made available to your surrogate’s managing OB for direct management.

If your surrogate requires a greater degree of care, our physicians can leverage their network of specialists to provide your surrogate with what she needs. This unique aspect on an OB-managed agency protects the safety of both the surrogate and your baby. Prior to hospital selection and placement, we confirm the facility selected meets our standards, including a NICU of an adequate level of care and resources.

Antenatal Testing: Antenatal testing is used to evaluate your baby’s well-being throughout your surrogate’s pregnancy. For many of our Intended Parents, antenatal testing provides reassurance that their baby will be healthy and reduces the chances of unforeseen challenges. While in many OB offices this testing is reserved only for high-risk pregnancies, most Intended Parents who undergo IVF and surrogacy view it as peace of mind that their child will be healthy. Unfortunately, most Intended Parents are not even aware these tests are available, nor do they have the opportunity to elect to have them done. As an OB-managed agency, Physician’s Surrogacy secures your option and provides reassurance for a successful outcome.

The culmination of this exciting journey is welcoming your newborn into the world. Leading up to the delivery, you and your surrogate enjoy around the clock support, preparing everyone for the arrival of your bundle of joy. Once the baby is born and in your loving care, we continue to provide post-delivery support to the surrogate for an additional 3 to 6 months.

For international parents, arrangements can be made for on-site concierge support during the delivery of your baby and the hospital stay. If needed, help is provided to secure passports and visas, allowing you to wholly focus on your new family.

We Work with the Nation’s Leading Fertility Clinics to Help You Create the Family of Your Dreams

If you have not found a fertility center you would like to work with, we would be honored to introduce you to one of our Clinical Partners. If you are currently working with a clinic we have not yet established a relationship with, we will create a partnership and tailor our processes to their protocols.

Our Fertility Clinic Partners

Surrogacy is a great option for those looking to build the family of their dreams, but most couples or individuals don’t have the money set aside to cover the costs. That’s where financing comes in, and there are a growing number of options for Intended Parents to consider.

financing for surrogacy

Secured Financing

A secured loan is connected to a piece of collateral (i.e. your car or home). A secured debt simply means that in the event of a default, the lender can use the asset to repay the funds it has advanced the borrower. Common types of secured financing are mortgages and auto loans. Typically secured financing is easier to obtain, since there is a lower risk for the lender. Secured loans offer the advantages of lower interest rates, larger loan amounts, or more flexibility in payment terms.

Unsecured Financing

An unsecured loan is not connected to collateral. If you default on the loan, the lender can take other actions such as hiring a collection agency, placing a lien on your property or taking you to court. Funds are issued solely on the borrower’s credit score and their promise to repay. Unsecured loans include credit cards, student loans and personal loans.

paying for surrogacy

Things to Consider When Financing Your Surrogacy Journey

Surrogacy can be a stressful financial journey if the Intended Parents do not understand the costs before starting.  The first thing you should know, is that your surrogacy journey will most likely exceed $100,000. Multiple factors can influence the cost of surrogacy. When you start to look at surrogacy as an option, the following factors should be considered:

How much is the whole process going to cost?

Before determining financing, it is important to know approximately how much the journey will cost.  Each journey is unique, and costs will vary depending on the circumstances. Costs may include medications and procedures, IVF for the surrogate, and the surrogate’s compensation. To understand the process a little more and have a clear idea of what your journey will cost, Physician’s Surrogacy offers a complimentary consultation.

What are the options for financing surrogacy?

There are more surrogacy financing options than many people realize. Surrogacy options for financing that Intended Parents regularly use include:

Savings: Many people use their personal savings since you are not adding debt. However, most people’s savings can’t cover every expense. It is recommended that you build surrogacy savings into your budget. Set up a special account for surrogacy and save the same way you would for college, a new home or a vacation.

Loans from your 401k retirement fund: Technically it’s not a loan since it’s your money. However, there may be rules in place about making withdrawals and the tax consequences. It’s not advisable for any couple to take from their 401K retirement unless they know the specifics of how much it costs to take it out (penalties regarding age).  Also, look at past jobs and see if there is money in a 401k plan that you have not “rolled over.” It is also a good idea to speak with your HR representative before considering this option.

Fertility Loans: Most surrogacy agencies have relationships with loan companies that will provide access to loans up to $100,000 for any assisted reproductive expenses. This usually includes medications and egg donor and surrogacy services. See below for the companies that we work with.

Surrogacy Grants: There are organizations out there that want to help you build your family by financing your surrogacy options. Some require the recipients to live in certain states or belong to a certain religion, but many are open to anyone who meets their qualifications.

Credit Cards or Personal Lines of Credit from the Bank: This is probably the most expensive way to go for surrogacy financing but is easy to use. Before starting your surrogacy journey, you can request either a personal line of credit from your bank or request a higher limit on your credit cards. When you have a payment schedule to work from you can plan your use of the credit to cover just the amount you need at that time.

Second mortgage or loan against the equity in the house: This is a great option for people with equity in their home or other property, since the loan is secured by the property the interest rates are usually reasonable.

Family and Friends: Some couples of individuals will ask close family members or those who would love to see you become parents, for money directly. Often parents or grandparents want to help but don’t quite know how to approach the subject.

Companies We Work With

CapexMD: The Specialists in Fertility Financing

Due to their focus on fertility and the highest approval percentages, we’ve chosen to partner with CapexMD as one of our preferred lenders.  With simple, unsecured financing options toward all surrogacy expenses for U.S. residents, CapexMD offers the most competitive funding for surrogacy and related expenses in the industry. Through this partnership, we can offer customized loan programs with highly competitive rates that include a variety of loan types. Their simple loan process makes the experience of fertility financing relatively stress-free.

Once approved, we will work closely with their Fertility Loan Specialists to ensure that your funds are secured on time and that your treatment is not delayed. Together with CapexMD we can make sure financial issues do not get in the way of your dream of having a baby.

Apply online and receive your pre-approval within 24 hours.

Learn more about CapexMD  or call 1-888-497-8414.

Why Choose CapexMD?

CapexMD Logo
  • Specialist in Fertility Financing
  • Competitive Rates
  • Pre-Approval within 24 Hours
  • Highest Confidentiality
  • No Prepayment Penalties
  • Personal Attention
  • Easy and Secure Online Application
  • Flexible Terms
  • No Annual Fees
  • Retain Your Existing Credit Sources

If you are interested in learning about how our physician-managed program benefits you, please contact us or schedule a free consultation

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