Financing Your Surrogacy Journey

Financial Certainty For Your Journey To Become A Parent
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Our Financial Advantages

Our surrogacy program is customized towards your unique journey.

No Unforeseen Costs

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.

Financial Security

Surrogacy is a medical process. As the nation’s only physician-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.

No Fees Until A Confirmed Match

We offer a complimentary consultation and Surrogate profile review, saving you both time and money. Other agencies will require you to sign an agency agreement and charge between $20,000- $40,000 to begin the surrogacy review process. With us, you will not sign agreements or pay any fees until you find your ideal Surrogate match.
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Things to Consider When Financing Your Surrogacy Journey

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.

There are more surrogacy financing options than you may realize! The following are common options that our Intended Parents use :
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:

  • Pay it Forward Fertility Grants
  • Baby Quest Foundation
  • Tinina Q. Cade Foundation Family Building Grant
  • Family Formation Charitable Trust (AARTA)
  • Journey to Parenthood Grant
  • Life Grants
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
Things to know before applying for surrogacy finance

Our Fertility Financing Partners

Note: The interest rates may change time to time. We recommend contacting the providers to learn about the details before applying.
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