Financing
Surrogacy Financing Plan
A common question we hear is, "How do people afford surrogacy?" We understand that planning for surrogacy costs can be challenging. At Circle Surrogacy, we lean on our expertise to provide you with the best chance of success at having a baby, and cost security throughout their journey. We can recommend financing options that fit with your family building plan and with your budget.
How Can I Afford Surrogacy?
Covering surrogacy costs often requires a few years of preparation. What's the best way to plan for those surrogacy expenses? With more than 28 years of experience helping families grow through surrogacy, Circle Surrogacy offers the following 6 ways to help cover the costs of surrogacy.
1. Share Your Story With Others
2. Start Saving as Soon as Possible
3. Make Choices With Overall Costs in Mind
4. Explore Financing Options
5. Investigate All Insurance Options
6. Compare Different Fertility Clinics
1
Share Your Story With Others
Support from family and friends, including emotional and financial, can help throughout the intended parents journey.
2
Start Saving as Soon as Possible
Most intended parents spend considerable time researching and discussing surrogacy as a way to grow their families. Even if you haven't made a final decision, saving money now will help later.
3
Make Choices With Overall Costs in Mind
Certain preferences can influence the total cost of surrogacy, such as the IVF clinic you work with and whether your surrogate is insured or uninsured.
4
Explore Financing Options
Bank loans can help cover surrogacy costs. Intended parents often look into borrowing against their home's equity or taking out a second mortgage. If you have a 401k, a withdrawal is another option. Medical financing companies are also potential sources for paying off your IVF medical fees.
5
Investigate All Insurance Options
Check with your employer's HR department to see if your insurance plan covers infertility or 3rd-party reproduction costs. Evaluate other insurance options to see what's right for you.
6
Compare Different Fertility Clinics
Most IVF fertility clinics offer various packages. Compare them to see which best suits your needs.
Financing Options for Surrogacy
If you are interested in learning more about financing for surrogacy you can speak with our Parent Intake or Consultation teams. Or, if you have already spoken with Circle Surrogacy about their journey, you can inform your Parent Intake Associate that you’re interested in learning more about financing.
Circle has partnered with the following organization who specialize in assistance exploring financial feasibility for third party family building purposes.
Sunfish
Our partner Sunfish offers guidance and resources, including affordable loan options. Learn more about Sunfish.
