Controlling Costs
John started his program with the intent of keeping costs down, in order to make surrogacy an afford-able alternative to private adoption. This page will give you an idea of the estimated costs of using our services for the most elaborate program we have, Gestational Surrogacy plus fresh Egg Donation, and assuming the surrogate does not have applicable insurance for maternity and delivery.
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Gestational Surrogacy Program Options:
The cost for gestational surrogacy, including all agency fees, attorneys' fees, screening and surrogate fees (but excluding medical and insurance costs) range from around $50,000 to $75,000, depending the program chosen by our clients. These program vary in the source of the egg donation, IVF insurance coverage, legal needs and other circumstances. Total program costs including medical and insurance components range from around $65,000 to $108,000 for egg donor surrogacy. Optional components can add 5-10% to
the costs, and we also suggest that clients allow for 10-15% possible variable and costs above their standard program estimates, to allow for unforeseen developments, as detailed in the " other costs for consideration" page.
- Egg Donation
The cost for egg donation only, including agency and legal fees, are estimated at $12,500.
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ANTICIPATED PROGRAM EXPENSES FOR GESTATIONAL SURROGACY FROZEN EMBRYO DONATION
* Note: click on a category to see more details
| First installment (due upon execution of Retainer Agreement) | $12,000.00 |
| Second installment (due upon execution of Agreement with Surrogate) | $7,500.00 |
| Medical screening fees (Surrogate) | $2,475.00 |
| Psychological screening fee (Surrogate) | $65.00 |
| Criminal history inquiry fees (Surrogate) | $45.00 |
| Parental Preparation for Match | $75.00 |
| Intended Parent(s) medical screening and semen analysis (per person) | $2,250.00 |
| Surrogate's fee (Experienced surrogates' fees will be higher) | $20,000.00 |
| Surrogate's IVF transfer fee (for completion of each embryo transfer procedure) | $500.00 |
| Surrogate's life insurance (approx. – depends on her age and health | $500.00 |
| Surrogate's maternity clothing allowance | $500.00 |
| Surrogate's monthly allowance once matched- in lieu of itemized costs ($200 per month estimated for 12 months) | $2,400.00 |
| Social Worker's flat fee (for Surrogate Support & Advocacy) | $3,000.00 |
| Carrier's attorneys' fees | $1,000.00 |
| Intended Parent(s)' attorney's fees for drafting of Surrogate Contract | $2,500.00 |
| Office expenses | $500.00 |
| Fees for legal proceedings for one child ($1,000 extra for twins usually) such as pre birth order, second-parent adoption, stepparent adoption, or single parent adoption ($1,500 to $5,000 range) –avg | $4,000.00 |
| Trust Administration | $500.00 |
| TOTAL Excluding 3rd Party Medical and Insurance Services | $59,810.00 |
| Medical and Insurance Expenses |
| Professional medical fees and hospital/lab charges for IVF cycle - actual costs | $4,000.00 |
| Medications for Surrogate - avg | $1,200.00 |
| Monitoring for Surrogate through 12 weeks gestational (paid to IVF clinic and/or monitoring clinic) [1] | $1,000.00 |
| Maternity and delivery out-of-pocket with discount plan, if normal vaginal delivery of a singleton | $10,000.00 |
| Premium for surrogate's medical insurance and case management fees | $5,800.00 |
| TOTAL of All Anticipated Costs [3] | $81,810.00 |
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Other Cost Considerations
[1] $500 is paid to the clinic for its monitoring. Another $500 is expected to be paid to a local clinic for monitoring if the carrier is not local to the clinic. However, on occasion a carrier will require more creening before coming to the clinic. This will increase this charge by approximately $500 per monitoring appointment. In addition, it is the intention of the IVF physician to send the carrier for her post transfer monitoring to her obstetrician. However, if the carrier does not have insurance, or even if she does, there is a chance that the intended parent(s) will be charged for these monitoring appointments.
[2] Insurance is one of the charges that are most variable. There are four options - a self insurance plan that requires a claims administration fee ($1,500), a second to pay policy (which has a premium of $5800, but a refund of $2,000 is given if the surrogate's primary insurance policy covers), a mid level policy (premium $5,000 and claims administration fee of $800) and a high level policy (premium $8,200 with an $800 charge for claims administration). Except for the self insurance policy, all of the other policies provide complications coverage for up to $500,000. However, that complications coverage kicks in at different levels depending on how much premium has been paid. The insurance company will collect a $12,500 deductible from the intended parents if, at the ten week ultrasound, it is determined that they are expecting one child. It will collect a $17,500 deductible from the intended parents at that time if they are expecting twins. However, the insurance company expects to refund some of that deductible about 96% of the time.
So, a couple buying insurance for their carrier should expect to pay around $10,000 for a single child plus whatever premium program they choose. Since most of our couples choose the midrange program (a $5,800 total cost) the overall cost is usually around $15,800 ($5,800 premium and claims administration fee plus the $10,000 deductible.)
[3] This is the total of all charges that are expected and the number that clients should consider as the likely minimum charges for your egg/embryo donation and/or surrogacy. The numbers set forth below detail the approximate financial impacts that certain circumstances of your carrier or donor, chance events and choices by you will have on your surrogacy costs.
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