Surrogacy is a complicated and expensive process. In addition to your surrogate and, in some cases, an egg donor, an arrangement requires specialized physicians, laboratories, attorneys and mental health professionals. Based on our experience, we estimate that an average gestational surrogacy arrangement will cost around US$75,000, which includes surrogate fees and expenses, agency and legal fees. Average medical expenses for the IVF treatment (one cycle) and maternity care during the pregnancy typically cost around US$30,000. If you need an egg donor, add another US$20,000. This means you should budget a total of US$105,000 for an average surrogacy arrangement and US$125,000 for an arrangement also using an egg donor. We recommend that intended parents budget an additional 10% for unplanned contingencies. We do not want our clients to be surprised, so these estimates include all surrogate and egg donor fees, medical costs, medications, legal, and agency fees through delivery.
When you compare our estimates (and our flat fee services) with other agencies, be sure you understand what the others have included in their costs. Many agencies quote their own fee and direct costs, but ignore health insurance deductibles ($5,000+) that will apply to maternity care during the pregnancy, lost wages and travel costs. Our estimates include all these costs. With both attorneys and counselors on staff, SSA is able to include many services in our flat fee that must be quoted separately by other agencies. This also enables us to waive duplicate fees for legal and counseling services if a rematch becomes necessary, something that other agencies cannot do.
Of your possible expenses, medical costs are usually the most unpredictable expense in a surrogacy arrangement. They will vary depending on the IVF clinic you choose to work with and your individual medical situation. They will also vary depending on any optional treatments that you select.