How Much Does Surrogacy Cost? Cost and Expenses of Using a Surrogate Mother.

Surrogacy Cost & Expenses in CA Physician’s Surrogacy - Surrogacy Cost - Surrogate Cost - Surrogacy Agency Cost - Surrogacy Agency

There are several questions revolving surrogacy, such as – does health insurance cover surrogacy? What does surrogacy cost with a friend being your Surrogate Mother? But the top issue is, without a doubt: How much does surrogacy cost or how much does it cost to have a Surrogate Mother?

There’s no exact answer to this question as the overall cost depends on several factors.

Therefore, Intended Parents need to have a good understanding of how does the surrogacy process work and the different services involved during their journey. This is the best way to fully understand the total cost of surrogacy using an agency and a Surrogate Mother.

One can split the cost of gestational surrogacy into two categories: agency fees and variable expenses.

Let us look at the various services included in each group and discuss how they can influence the overall cost of surrogacy.

Schedule A Consultation

Surrogacy Agency Fees

Agency fees are the charges for all the services that an agency provides during the surrogacy process.

These surrogacy services include background checks, evaluations, counseling, marketing, advertising, education, and support etc.

Intended Parents choosing a surrogacy agency in California need to be sure that the agency cost stays constant no matter how long the surrogacy process takes to complete.

Intended Parents don’t pay the same agency fees. The amount varies depending on the state where they reside and the agency they decide to work with. Of course, Intended Parents can save up on agency fees by going with an independent Surrogate. Albeit, they will be sacrificing other services that can help ensure the success of fertility treatment.

Advertising Services 

Intended Parents have two options. Some decide to use a known Surrogate mother. It can be a family member, friend, or someone they know in person. Whereas, many others choose to find a Gestational Carrier utilizing an agency.

A large part of cost money paid to surrogacy agencies usually goes into advertising. The agencies may use it for online advertising, conventional ads or networking with other agencies.

Typically, the more time and money an agency spends on advertising, the more potential Surrogates they will have available. The more Surrogate mothers an agency has, the higher the chances that the Intended Parents will quickly find an ideal match.

When choosing a surrogacy agency, it’s best to go for full-service agencies that offer professional ad services. Good agencies usually have a committed marketing team. They should have spent a lot of time and money researching advertising strategies that deliver success.

Matching Services

Following a successful ad campaign for potential Surrogates, an agency’s matching services help connect Intended Parents and Surrogates.

Matching fees usually tend to cover the following: Intended Parents and Surrogate screening, medical evaluations, mental evaluations and background checks. Matching fees also include the creation of the Intended Parent profile, which is shared with the potential Surrogates.

Agencies’ matching services help Intended Parents find a Surrogate mother whose plans, needs, and goals fit perfectly with theirs. These services are very crucial to find a suitable match. It is also critical to ensure the surrogacy process ends up a success.

Counseling, Education, and Support

Surrogacy is an emotional roller coaster ride, not only for Surrogates but also for Intended Parents. Surrogacy experts are good at navigating this process. They can help give Intended Parents and Surrogates the education and resources they need.

Additionally, agencies usually have certified professionals that can provide both parties with continuous counseling and support throughout the journey.

Although a small portion of the total surrogacy cost goes into these services, they help prepare Intended Parents and Surrogates with much-needed support during the process.

Additional Agency Services

Full-service surrogacy agencies oversee the entire surrogacy process and coordinate all the services needed along the line.

Apart from the services listed above, your agency may offer additional services which are also included in the agency fees. For instance, they may offer insurance assessment services to help find out if your insurance will cover the pregnancy and childbirth.

Intended Parents are responsible for the Surrogate’s insurance premiums, co-pays, and deductibles during her pregnancy. All of these extra fees can also add to the total cost of the surrogacy program.

Additionally, when registering with an agency, the Intended Parents may have to complete an in-house assessment, which they will also need to pay for.

Before signing up with an agency, make sure you ask them about unexpected extra costs you may need to pay. Also, check about any additional services that the agency fees are already including. It is essential to have a clear view and understanding of what your quote includes and what does not.

Schedule A Consultation

Variable Expenses

The 2nd category of gestational surrogacy cost is variable expenses.

As the name implies, these expenses are variable. These can change based on many factors such as the Intended Parent’s circumstances.

The three most expensive variable surrogacy costs are legal services, medical expenses, and Surrogate compensation.

Before starting the medical aspects of the surrogacy program, the Intended Parents and Surrogate will need to sign a legal contract. The contract details the responsibilities of each party and Surrogate compensation along with other essential components.

To help draft out the contract and carry out other necessary services, you will require a lawyer. The cost of legal services can vary based on location as well as the level of legal work required.

Additional legal services may be needed depending on each intended family’s circumstances. For instance, in gestational surrogacy, some legal steps are to be taken to prevent the Surrogate mother from having parental rights over the baby.

In cases where a donor’s genetic material is put into use, the biological parent may have to undergo the legal adoption process. This is to obtain full parental rights.

Due to variations in surrogacy laws and processes, it’s hard to determine the average cost for legal services during the journey. Hence, it is vital to discuss these variations with the agency you are going to be working with. This is crucial to ensure you receive the necessary legal support required during your surrogacy journey.

Medical Expenses

Medical expenses usually make up a large portion of the total surrogacy cost because surrogacy involves several medical procedures. These costs can quickly add up to thousands of dollars based on the course your Surrogate’s pregnancy takes.

Intended Parents will have to pay for fertility medications and IVF treatment. The cost for that may vary depending on the number of embryo transfers needed to achieve a pregnancy.

Additionally, they will pay for prenatal care and other medical procedures required during the process. In cases where the egg or sperm of a donor is used to form the embryo, the Intended Parents will also be responsible for this service.

Overall, medical costs can also vary based on a Surrogate mother’s insurance policy. It can also change due to any special treatment needed during the pregnancy.

Although it is not easy to estimate medical expenses, you can ask your agency how much the total medical expenses should be. They can provide you a good idea of what to expect.

Surrogate Compensation and Reimbursement

Surrogate compensation is one of the significant expenses Intended Parents incurred during surrogacy.

Intended Parents are responsible for covering all the Surrogate’s medical, legal, travel, and counseling expenses. In addition to these expenses, Intended Parents also give their Surrogate a monthly allowance and base compensation to cover the pregnancy-related costs and to compensate for her time and sacrifices.

The amount of compensation paid to a Surrogate depends on many factors. These factors can include her insurance coverage, her experience with surrogacy, and the course the pregnancy takes.

Aside from her base compensation, the Surrogate mother will also receive a monthly allowance to cover all pregnancy-related expenses. Plus, she will receive payments for lost wages, maternity wears, carrying multiples (when applicable).

Additionally, the payment includes any invasive medical procedures she might have to undergo during the pregnancy.

Given the number of factors influencing a Surrogate’s compensation, it is hard to know the exact amount a Surrogate will get at the end of the process.

Calculating Overall Surrogacy Costs

There are a lot of factors you need to consider when figuring out the total cost of surrogacy. Surrogacy expenses can add up quickly. So, Intended Parents need to carry out thorough research and find different agencies before selecting the one that’s financially right for them.

While speaking with your surrogacy agency to know the total cost of surrogacy, pay attention to red signs. These include, low estimates, hidden fees, recurring expenses, and cut services. These can show whether the agency is honest about their surrogacy costs and services.

As you can see, it’s not easy to tell how much you are going to spend during surrogacy. Thus, it is essential to have a good understanding of an agency’s fee structure and services before you commit to them.


Do you have any other questions regarding surrogacy expenses or want to know how much do Surrogates cost in California?

The best way to get your answers is by scheduling a free consultation with us today. You can also visit our website to get more information about surrogacy.

Schedule A Consultation

Schedule a Free Consultation Today!

Begin your Journey with
Physician’s Surrogacy