How Does Surrogacy Work and How Much Does It Cost to Have a Surrogate?

What Is Surrogacy Types, Process and Costs of Surrogacy - Surrogacy Cost - Surrogacy Agency - Surrogate Cost - Surrogacy Insurance

It’s safe to say that surrogacy is becoming a popular option among women today. Much of its fame is owed to celebrities who have embraced this process to have children. The most notable example is Kim Kardashian. She was relying on surrogacy to have her daughter Chicago. She was suffering from a disease called placenta accreta, which makes it quite difficult for her to go through labor. Kim had also faced complications during her last pregnancy. According to Marie Claire’s survey, 23 % of today’s women would opt for surrogacy if natural pregnancy is not possible. The surrogacy agencies should give transparent information about surrogacy cost, surrogate/surrogacy insurance and how does it work.

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What is Surrogacy?

Despite its increasing popularity, people know little about the surrogacy process. Many even wonder “How does surrogacy work?” Surrogacy is a method of assisted reproduction. In Surrogacy, a Surrogate helps another person, or couple, by carrying and delivering their baby. This is usually because the couple is incapable of conceiving themselves. Mostly it happens in the case of same-sex couples, or if one of the partners is infertile.

Surrogacy Process

There are two types of surrogacy process – traditional and gestational surrogacy. In traditional surrogacy, the Surrogate gets pregnant either by the Intended Father or by using sperm from a donor. This ancient method is now very controversial. It raises many legal issues because the baby is genetically related to the Surrogate. As a result, it is now illegal in many states, while several others are in the process of banning it. These days, gestational surrogacy is widely popular since it removes the biological link between the Surrogate Mother and the baby entirely and is cost-effective as well.

Gestational Surrogacy & It’s Cost

In gestational surrogacy, the gestational carrier may either carry an embryo created using donated eggs and/or sperm or Intended Parents’ own egg and sperm. It depends on the family preferences and the fertility issues they are facing. “Surrogate” is more or less, an older term for such arrangements.

“Gestational Carrier” is a preferred term since the word “Surrogate” implies that there’s a genetic link between the woman and the baby that she’s carrying. This actually happens in the case of traditional surrogacy. For a couple with no experience and knowledge in this procedure, the very thought of considering surrogacy can be quite daunting. Therefore, experts advise that they visit a fertility clinic. fertility clinics can not only guide them but can also help ease the process. Our fertility clinic will refer couples to top surrogacy agencies that manage Surrogates. These reputable surrogacy agencies will then carry out comprehensive psychological and medical screenings. It helps to judge the couple’s eligibility to undergo the procedure. Surrogacy agencies will also provide all the information about surrogacy costs and surrogate insurance.

Finding a Surrogate

They will also check the background of the prospective gestational carriers. This check includes illnesses, a criminal record, or a history of drug abuse. Also, it will ensure that they live in a healthy and stable environment. After a match found between a Surrogate mom and the Intended Parents. Fertility experts will re-evaluate her to ensure she’s ready psychologically and medically to carry a pregnancy to full term. They do so by making sure that she is of a relatively young age (below 45 years), has carried and delivered at least one child before. They also ensure that she has had no complications during her last pregnancy. The parents can then choose to meet her to decide if they would like to move forward in the process.

Surrogacy is not legal in states like Michigan, Indiana, New Jersey, and New York. If the Surrogate lives in one of these states or somewhere, where surrogacy is legal. The gestational carrier and Intended Parents will agree on a binding contract. The contract will determine the terms of medical care for surrogacy throughout the pregnancy along with surrogate insurance costs. This contract also states that the Surrogate has no legal right over the baby. Although she will get a certain amount of compensation for her services as the base compensation determined by the agency. The process of trying to conceive gets underway if the paperwork is incomplete, and all the medical clearances have been made.

Process complexity 

The process itself is very complex and has many technicalities. We can only discuss the essential and relevant details of this procedure briefly. The path to conception begins when the fertility experts place the gestational carrier on hormonal treatment medications. Such medications help build up the lining of her uterus (endometrium) in preparation for embryo transfer. An embryo formed with the egg and sperm of a donor or that of the Intended Parents, is then transferred into the Surrogate’s womb. To put it in another way, the intended mother usually undergoes the first part of an in-vitro fertilization cycle to retrieve her eggs (in this case Intended mother is the biological mother of the baby). Whereas, the gestational carrier completes the second part of the cycle to ready her womb for the transfer of the embryo.

Surrogacy Cost

There is no fixed price for the surrogacy process using a Gestational Surrogate. We can not pinpoint an actual surrogacy cost until the process is over. There are different variables in the process, which makes it difficult to estimate a surrogacy cost. Surrogacy costs may vary for many couples because it includes different types of fees paid to the agency. These fees can consist of the money paid to the Surrogate herself, travel costs, payment for fertility medications, and medical procedures associated with fertilization, egg retrieval, and embryo transfer. All of these vary depending on where you choose to get your services from.

Keeping this in mind, Intended Parents can expect a price range of anywhere between $65,000 to $150,000 including Surrogate compensation and the agency fees. The compensation received by Surrogate moms usually covers health-related expenses and an extra fee that has nothing to do with medical costs. Intended Parents willing to use a Surrogate to build their family can buy separate Gestational Surrogate insurance. The premiums of such surrogacy insurance plan come around $10,000 and deductibles ranging from $15,000 – $ 30,000, based on the number of embryos in the womb of the Gestational Carrier.


In conclusion, if you want to have a child but are biologically unable to, then surrogacy is an excellent option. The availability of various surrogate insurance packages helps to ease the financial burden of this procedure as well. Thus, making it more accessible to a more significant number of couples in need.

Have you ever wondered “How does the surrogacy work?” Interested in more information regarding surrogacy options, costs, and other details? We are here to explain the process in detail. You can call Physicians Surrogacy at (858) 345-3273 for a complimentary consultation or visit our website to learn more.

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