Physician’s Surrogacy is fully transparent about the pricing of the process and any additional costs that may occur during your Surrogate’s pregnancy. Some surrogacy agencies may lower prices before the contract signing leaving potential additional charges out of the quote but end up charging more at a later date. We make it our priority that our Intended Parents are aware of any potential additional costs that may occur during the journey.
Surrogacy is a medical process. As the nation’s only OB-managed surrogacy agency we can control the financial risks because we prescreen all of our candidates rigorously before initiation of the process. That ensures that your candidate is mentally and physically fit to do surrogacy. Further, your Surrogate is managed by our medical director and his advisory board of physicians throughout the whole journey. That decreases the chances of sudden medical costs to a minimum. Medical oversight is important in commercial surrogacy which other agencies lack the ability to do so.
Before securing financing, it is important to know how much your journey will cost for using a Surrogate Mother. Each journey is unique and costs will vary depending on the circumstances. Immediately after your complimentary consultation, we will provide you a price quotation based on your circumstances and preferences.
Using personal savings can be a great option since you’re not adding debt. We recommend setting up a special account for your journey similar to how you would for college, a new home, or a vacation.
Using your 401k can be a quick and easy way to secure funds for your surrogacy journey. If you decide to go this route, make sure to factor in tax consequences and rules when making withdrawals. You can have a look at past jobs and see if there is money in a 401(k) plan that you have not “rolled over.” It is also a good idea to speak with your HR representative before considering this option.
There is an increasing number of employers who cover all or some costs of the surrogacy journey. If your employer doesn’t cover surrogacy, they may have benefits for your surrogate’s IVF. Reach out to your HR representative if your employer is one of them.
Physician’s Surrogacy is a proud partner of Carrot.
There are many organizations that want to help you build your family through surrogacy by helping to finance your journey. These organizations provide non-repayable grants for those who meet their qualifications. Below are some organizations listed, that ease the financial burden:
Some Intended Parents choose to make their surrogacy payments through a credit card. You can request either a personal line of credit from your bank or an increased limit on your credit cards.
This is a great option if you have equity in your home or other properties. Your property secures the loan, making the interest rates more reasonable.
Many of your close friends and family would love to see you become a parent. Often parents or grandparents want to help but don’t know the best way to support you. This may be an opportunity to ask for financial support.
We partner with CapexMD, PatientFi, Comerica Bank, First Republic Bank, LightStream, Prosper Healthcare Lending, Prosper Home Equity Line of Credit, and SoFi, the specialists in fertility financing. They offer the most competitive funding for surrogacy and related costs in the industry
CapexMD specializes in patient financing services for all fertility treatment options. The vast majority of their Loan Specialists have gone through the IVF journey.
Through our partnership with CapexMD, we are able to 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.
Their loan programs cover all fertility treatment options — including fertility medications and genetic testing if necessary — so you can be sure that none of your expenses are left uncovered.
Once approved, our financial counselors will work closely with their Fertility Loan Specialists to ensure that your funds are secured on time and 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.
Some of CapexMD’s many advantages include:
Apply online and receive your pre-approval within 24 hours. Learn more about CapexMD by visiting their site or by calling 1-888-497-8414.
Highlights
Details
Contact
Highlights
Details
Contact
Highlights
Details
Contact
Highlights
Details
Highlights
Details
LightStream offers low-rate, no-hassle, and virtually paperless IVF loans to borrowers with good to excellent credit. They are not FICO score driven and believe there is no single definition for “good credit.” However, they find individuals with good credit usually share the following characteristics:
Highlights
Details
Prosper makes IVF loans easy. From the comfort of your living room, answer a few questions, and get your lowest eligible rate instantly. Select the offer with the terms that work best for you, and the money will be sent directly to your account within three days.
Highlights
Details
Home Equity Lines of Credit (HELOC) are loans that allow you to borrow against the equity you’ve built in your home. To determine your home’s equity, you take the difference between your home’s value and your mortgage balance. HELOC’s often have much lower rates of interest than other loans, such as a personal loan, which are considered unsecured. With a HELOC, it’s crucial to understand that your home acts as “collateral,” securing the line of credit (also known as a “secured” loan).
Highlights
Details
Highlights
Details
Copyright 2025 © All rights reserved