Navigating the Costs: 5 Tips for Financially Planning Your Surrogacy Journey

When traditional paths to parenthood aren’t possible, surrogacy offers intended parents (IPs) the chance to participate in the journey from the very beginning. From prenatal visits to ultrasounds, you can experience each milestone alongside your surrogate and build a meaningful connection from day one. 

While surrogacy brings hope and fulfillment for IPs, it can’t happen without serious financial planning.

At Great Beginnings Surrogacy Services in San Diego, California, our professional team, led by Dr. Samuel Wood, has helped people from all across the United States and around the world realize their dream of growing a family. 

We do everything possible to prepare our IPs for the journey, including how to navigate costs. Here are some of our top tips for financial planning during your surrogacy journey.

1. Understand the full cost of surrogacy

The total cost of surrogacy ranges from $100,000 to $200,000, depending on location and individual needs. Below is a general breakdown of some of the major expenses:

• Agency fees: $15,000 to $30,000
• Surrogate fees: $30,000 to $60,000
• Legal fees: $5,000 to $15,000
• Creating the embryo: $20,000 to $30,00
• In vitro fertilization (IVF): $10,000 to $15,000 per cycle
• Insurance premiums: $10,000 to $30,000

You may have additional costs if you need an egg or sperm donor, have to travel to see your surrogate, or wish to provide extra support such as maternity clothes, housing costs, or other thoughtful gestures. 

2. Start saving early

If you think surrogacy is in your future, start setting aside funds now. Early savings can help alleviate some of the financial stress and strain later on. Consider opening a high-yield savings account for your surrogacy fund so your money can grow faster. 

Create a budget and timeline for your surrogacy fund, and include a cushion for unexpected expenses. 

3. Explore financing options

If saving the full amount isn’t feasible due to timing or other circumstances, financing can bridge the gap. We work with CapexMD, a trusted surrogacy financing group with fast approvals, competitive rates, and flexible terms. 

4. Work with trusted professionals

Surrogacy is an emotional journey that’s also financially and legally complex. Surround yourself with experts you trust who can provide the guidance and support you need throughout the process. 

This includes a reputable surrogacy agency that can handle matching, logistics, and financial planning, as well as an attorney who is familiar with reproductive law. You may also want to work with a financial advisor who can assist with your budget, help secure financing, and plan out your payments. 

5. Plan for the future

While surrogacy itself is costly, raising a child also comes with ongoing expenses. Work in additional costs you might incur after delivery, such as infant care, health insurance, and parental leave. Long-term financial planning is also important as your family grows.

Surrogacy can feel financially impossible, but with preparation and support, it’s within reach. Our team is here to guide you through every step. Call us today to schedule a consultation with our surrogacy experts.