Financial Certainty For Your Path to Parenthood
Brought to You by Physician’s Surrogacy – The Nation’s Only OB-Managed Agency
We understand the significant financial investment in building your family. From our headquarters in San Diego, California, we help intended parents locally and across the U.S. ensure financial issues never hinder their dream. Our tailored programs provide financial certainty and peace of mind.
Unlike agencies that add significant hidden charges later, Physician’s Surrogacy offers absolute transparency. You’ll receive an upfront, personalized quote with no surprises, detailing all potential costs from surrogate compensation to antenatal testing.
As the nation’s only OB-managed surrogacy agency, we mitigate financial risks. Our rigorous surrogate pre-screening and continuous medical oversight minimizes health complications, leading to fewer unexpected medical costs. This ensures a safer, more financially predictable journey.
Other agencies may charge $20,000–$40,000 upfront. We charge $0 until your ideal surrogate is confirmed. Discuss your goals and budget in a free consultation, confidently move through surrogate matching (average time: one week), and sign agreements only after match approval.
Physician’s Surrogacy offers all-inclusive pricing to eliminate surprises. Costs vary by journey, but our model ensures clarity and predictability, often comparing favorably to national averages.
What’s Included:
Why Choose Our Model?
| Feature | Physician’s Surrogacy | Traditional Agencies |
|---|---|---|
| Pricing Model | Flat-rate, all-inclusive pricing | Variable fees + hidden charges (e.g., insurance, reimbursements) |
| Agency Fees Until Match | No agency fees until match | Upfront fees of $20k–$40k |
| Antenatal Testing | OB-ordered antenatal testing included | Extra costs for additional tests |
| Fund Management | Escrow-managed funds | Parents handle reimbursements |
| Surrogate Health Risk | Pre-screened surrogates (Lower medical surprises) | Higher risk of medical surprises |
Hear from Intended Parents who found financial clarity and peace of mind with Physician’s Surrogacy.
After signing on with a different agency for our first journey, paying their agency fee, and then being told we would have to wait 6-12 months for a Surrogate; my husband and I were ecstatic to find Physician’s Surrogacy for our second journey! They were able to match us with our ideal Surrogate within a week, and we didn’t pay any fees until we confirmed the match and were ready to move forward! I can’t believe more agencies aren’t like this! They have so many pre-screened Surrogates available, and it was hard to choose only one!
–Tom and Gary C, Intended Parents
I recently finished my second journey with Physician’s Surrogacy, and it was just amazing as the first, if not more! I loved all the support I had from their excellent team, and my case manager Claire was with me from the beginning. She is hands down the BEST, always checking on me to see how I was feeling and keeping the Intended Parents updated! I never had any issues with compensation during both journeys and, all bills were paid on time. I definitely would recommend Physician’s Surrogacy and look forward to doing one more journey with them!!
– Nevada H., Surrogate
I’m 23 years old, and have a family of my own, so I know the excitement of being a parent. I think every couple who wants a family deserves it. If I could help them accomplish that, it’d be a great experience for everybody involved. I’m very family oriented and couldn’t imagine not being able to produce a child. This experience gives individuals that are unable to carry a child the opportunity to experience parenthood. The compensation is also a plus. It will help secure a future for my family
–Jessica, Reno, NV, Surrogate
Before securing financing, estimate your total costs. Surrogacy expenses vary by circumstance, but after your free consultation, we’ll provide a personalized quote.
Below, explore common financing options used by intended parents.
💰 No Debt, Full Control. Set up a dedicated savings account. Tip: Automate monthly contributions.
📉 Quick Access, Tax Considerations. Borrow against your retirement fund. Consult HR and a tax advisor first; early withdrawals may incur penalties.
🏢 Check for Surrogacy/IVF Coverage. Many employers (e.g., Google, Microsoft, Starbucks) now offer surrogacy benefits. Partner Alert: We work with Carrot Fertility to help you maximize employer plans.
🎗️ Non-Repayable Financial Aid. Apply to organizations dedicated to helping families: Baby Quest Foundation, Tinina Q. Cade Foundation, Pay It Forward Fertility, Journey to Parenthood Grant. Eligibility varies.
💳 Flexibility with Caution. Use credit for smaller expenses; compare interest rates. Tip: Prioritize cards with 0% introductory APR.
🏠 Leverage Property Equity. Secure lower interest rates by borrowing against your home (your property acts as collateral).
❤️ Community Support. Loved ones may contribute via gifts or structured loans. Advice: Draft a written agreement.
Specializes in patient financing services for all fertility treatment options. Many loan specialists have personal IVF experience. Through our partnership, we offer all-inclusive coverage (IVF, genetic testing, medications, and agency fees), 24-hour pre-approval, no hidden fees, and flexible terms.
Offers 0% interest credit cards to help fund surrogacy journeys for residents of eligible states (CA, AZ, TX, FL, MI). No collateral required; quick access to funds.
Contact:
Offers HELOCs with competitive 5.49% rates to help fund your surrogacy journey using your home’s equity. Available to CA, AZ, TX, FL, MI residents.
Offers business lines of credit for surrogacy-related expenses, available to eligible residents in select states (CA, AZ, TX, FL, MI).
Offers paperless loans for IVF and surrogacy (from 3.49% APR). LightStream evaluates applicants holistically beyond FICO scores.
Simplifies IVF and surrogacy financing with a fully online process. Qualify in 2 minutes and receive funds directly to your account within 72 hours.
A HELOC allows you to borrow against your home’s equity (calculated as home value minus mortgage balance) at competitive rates, ideal for large expenses like surrogacy or IVF.
Offers fixed-rate personal loans (7.99%–23.43% APR) to fund surrogacy journeys, with no hidden fees and fast approvals.
Various options exist: personal savings, loans, grants, and fertility-specific financing.
Costs vary by individual circumstances (agency fees, compensation, medical, legal). Receive a personalized quote after your complimentary consultation.
Yes, 401(k) loans are common. Consult HR and a tax advisor first.
Insurance coverage varies. Some policies may cover IVF or Surrogate care, but typically not base surrogacy costs. We help explore employer benefits.
These specialized financial products assist with surrogacy expenses. We partner with reputable lenders like CapexMD and LightStream.
Options include personal savings, loans, lines of credit, and fertility-specific financing.
Let us help you navigate the financial path to parenthood with confidence and clarity.
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