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If you live in Norway and are thinking about having a baby through surrogacy, we can help you understand the surrogacy programs available, the cost of surrogacy, and how much you can expect to pay for egg donation. At Circle Surrogacy, there are no additional costs for international parents; no matter where you live, you pay the same surrogacy costs. Circle is transparent in their surrogacy options, surrogacy costs, and what you can expect along your journey.
The cost of surrogacy, is one of the first questions we are asked by intended parents interested in growing their family through surrogacy. Understanding what goes into the surrogacy process helps intended parents see the need for professionals and certain surrogacy expenses.
Why is surrogacy so expensive?
A surrogacy journey consists of many professionals with experience in egg donation and surrogacy – including knowledge of surrogacy laws and contracts, as well as the IVF process. Because the surrogacy process can be complex, intended parents should have a solid team of professionals helping them manage their journey. Intended parents are paying for the professionals' or agency's experience in this ever-evolving field. All of this factors into surrogacy costs.
What does a surrogacy agency fee cover?
If you work with a surrogacy agency, you will have to pay a surrogacy agency fee. The agency fee covers many aspects of your surrogacy journey, including:
• Management of your entire journey, from start to finish
• Screening & Matching with your Carrier and Egg Donor
• Journey support
• Trust Account management
• Legal work
Managing a surrogacy journey and all the moving parts can be very time consuming, which is why many intended parents choose to work with – and pay – a surrogacy agency to handle all of the details.
Can I make surrogacy more affordable by doing an independent journey?
Intended Parents who wish to reduce surrogacy costs may opt to do an independent surrogacy journey, in which case they will be responsible for finding their own surrogate, managing the surrogacy process and their journey, coordinating with IVF clinics and local monitoring clinics, and finding their own lawyers to handle legal surrogacy contracts.
Circle Surrogacy & Egg Donation is the leading surrogacy agency because we always put our Intended Parents’ needs first. Our program and surrogacy costs are structured to achieve two primary goals: success and cost security.
Circle is proud to offer the all-inclusive Journey Protection Guarantee Program, which is designed to help as many Intended Parents as possible bring home a baby while reducing variable costs.
Journey Protection Guarantee Program
Surrogacy only: $148,750
Surrogacy plus egg donation: $172,750
(both prices exclude IVF)
Our Journey Protection Guarantee offers Intended Parents:
The costs outlined above are for our Surrogacy Only and Surrogacy Plus Egg Donation Programs. For more information about the costs of our other programs, please email us or call us at 617.439.9900.
Surrogacy costs can be compartmentalized into four categories:
• Professional Fees
• Gestational Carrier (i.e., surrogate) and Egg Donor Fees
• Medical & Insurance Expenses
• IVF Expenses
Most agencies do not offer fixed costs for any of these cost categories, which can result in surprise fees and financial uncertainty throughout the surrogacy journey. However, Circle Surrogacy fixes the costs for Professional Fees, Gestational Carrier and Egg Donor Fees and Medical & Insurance Expenses.
We guarantee that the only two scenarios in which you’d experience a change in cost would be if you selected a surrogate or egg donor with a higher base fee that estimated in the cost sheets.
Circle Surrogacy offers fixed costs for all professional fees, gestational carrier and egg donation fees, medical and insurance expenses, and can connect you with IVF clinics that offer similar fixed price programs for IVF expenses. This means that Intended Parents will see one price at the beginning of their journey, and that is the price they can expect to pay – no surprises, no inflation, no last-minute extra costs.
Fixed cost for all professional fees, including: Matching, Screening, Legal, Accounting, Medical Billing and Re-matches.Professional Fees: What's Covered
Fixed cost for Carrier & Donor fees, including: Carrier & Egg Donor base fees, Travel, Bedrest, Local Monitoring, and Contingencies (e.g. C-section).How Surrogates are Paid
Fixed cost for Medical & Insurance expenses, including: Premium/Gestational Carrier Payment, Co-payments and Deductibles, Complications, Life Insurance, Insurance Defense, and Back-up Policy.Medical & IVF Expenses
In what is the ultimate 5-star experience, our VIP Program expands our standard offerings for intended parents who seek additional services, assistance and guidance during their journey. Our VIP Surrogacy Program includes access to a single, skilled and experienced point of contact who will support you during your surrogacy journey. This surrogacy program is for those intended parents who would like the luxury of a customizable experience and support.Learn More
While it’s easy to pin down the average cost of surrogacy, it’s actually fairly tricky to know beforehand exactly how much you’ll spend. That’s because surrogacy arrangements are all unique, and a plethora of variables will affect the bottom line. Even so, following some basic guidelines will almost certainly bring down your surrogacy cost.
First, talk to more than one fertility clinic. Working with a clinic that Circle has partnered with will give you access to a special, negotiated rate - but they’re all different, and offer a variety of programs. Finding the most competitive option with the right fertility services for you can create a significant cost savings. And of course, you’re not restricted to our partner organizations - we’ll support your journey in any fertility clinic you choose.
Second, consider the health insurance situation of your gestational surrogate or egg donor. If she isn’t already insured, the cost of buying an insurance policy to cover her surrogate pregnancy (along with non-covered medical expenses) could be significant.
Third, be flexible with your calendar. As in many parts of life, rushing tends to increase costs. Finding more affordable clinic and donor options can sometimes be a matter of time. If you’re prepared to be patient, your surrogacy cost may come down significantly.
In the American healthcare system, health insurance is crucial to covering the medical expenses associated with your surrogate pregnancy. The Circle team has deep expertise in navigating the (sometimes labyrinthine) world of health insurance, and can help assess and defend insurance policies and cases, so that all the costs of surrogacy are appropriately covered.
We’re diligent about screening for and accepting candidates whose maternity insurance that will fully cover a surrogate pregnancy. And when surrogates aren’t adequately covered, we can facilitate high-quality, surrogacy-specific insurance coverage under a policy that we developed in close cooperation with Lloyd’s of London. In other words, the Circle team will ensure that your entire surrogacy journey is financially stable and protected by top-tier health insurance.
To join our surrogate program, potential candidates have to pass a variety of stringent screening measures. First, they complete a donor application which includes a detailed questionnaire. Most of the information in this form is requested by our fertility clinic partners, but intended parents can also review it as part of our matching process.
If the potential donor seems like she’d be a good fit for our program, we pass her file on to a consulting IVF physician for medical screening. This specialist reviews her medical records in depth, paying close attention to any fertility and pregnancy details. Meanwhile, her health insurance situation is reviewed by our legal team, and (assuming all goes well up to this point), the potential surrogate is connected with a licensed clinical social worker. Over the course of an interview, this social work assesses the candidate’s interest in surrogacy, as well as her background, mental health, and social support network. Finally, if the potential surrogate (and her partner) pass a criminal background check and bankruptcy/judgment check, she’ll be cleared to join our program.