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With every surrogacy journey there will be IVF and insurance expenses. Learn more about the costs associated with In Vitro Fertilization (IVF) and health insurance.
In vitro fertilization (IVF) is inherently part of the surrogacy process. In some cases, an intended mother will utilize IVF to retrieve her eggs to create embryos. In other cases, an egg donor is required to donate her eggs to create embryos. Both cases require IVF professionals (your IVF clinic), medications and money.
If you are creating embryos with your own biology, some insurance policies will cover the IVF process. If not, these are costs that are paid out of pocket to your IVF clinic.
Intended parents are responsible for all costs related to IVF for their gestational carrier or egg donor. The medical costs – such as medications and procedures – will be paid to the clinic. Other related costs – such as travel and local monitoring – are included in your fees paid your surrogacy agency.
Gestational surrogates will need insurance coverage during her surrogate pregnancy. The types of insurance needed in a surrogacy journey include:
Once the baby is born, insurance must be in place to cover the baby. For domestic intended parents, most are able to add their newborn to their existing health insurance policies (having a baby qualifies as a "life event" with insurance companies to allow plan members to adjust policies outside of normal enrollment periods).
For international parents looking for newborn insurance, there are a few options that are constantly changing. Circle can assist in connecting international intended parents with providers.
Circle Surrogacy's goal is security for intended parents and their surrogate throughout the surrogacy journey.
Circle Surrogacy offers an all-inclusive cost program that enables us to offer insurance costs at a fixed price to help control costs. With our exclusive Journey Protection Guarantee Program, you'll pay insurance costs of $20,000. Circle's fixed Medical & Insurance expenses include:
Circle is able to provide fixed costs because we have extensive experience identifying, screening and accepting surrogates with existing maternity coverage that covers a surrogacy journey. In the instances when a surrogate's insurance is not adequate coverage, Circle will facilitate a high-quality, surrogacy-specific policy.
Learn more about surrogacy and surrogate insurance from our educational insurance webinar.
All prospective intended parents – whether you’re a couple or a single individual, LGBTQ+, domestic or international – should start their surrogacy journey by researching surrogacy agencies. When they find a few agencies that feel like a good fit, they should meet with each agency to determine which agency is best for their needs.
If you wish to proceed with Circle Surrogacy after your complimentary consultation, you'll sign an Agreement for Services. Once the Agreement is executed, you'll be assigned a Journey Support Team, who will guide you through every phase of the process.
The matching process begins with an initial call or Skype with your Journey Support Team to choose an IVF clinic and an egg donor (if needed). The next step is to find an appropriate match with a gestational surrogate who's completed our comprehensive screening process.
To offset some expenses of surrogacy, Circle Surrogacy is committed to keeping costs as low as possible through strategic partnerships and financing options for intended parents.See Financing Options
Whether you are an intended parent, a surrogate or an egg donor, when you embark on a journey with Circle, we promise to be beside you every step of the way. We promise to educate, lead and guide you through your surrogacy and egg donation journey. We will work tirelessly to help you achieve success and fulfill your dream.
We are a full-service agency. You will work closely with a Journey Coordination team who will guide and support you throughout your entire journey, including social work, legal and billing support. Circle is the only agency in the world to provide unparalleled program offerings for parents, such as unlimited surrogate and egg donor matching, and an unlimited IVF package. We employ an in-house legal staff who is well-versed in reproductive and surrogacy law and insurance contracts.
At Circle, we have the highest level of dedication to building families than any other agency. We'll help you navigate the road, smooth the bumps, and cheer when we reach our destination. Every person who works at Circle is dedicated to doing everything they can to help you build your family. The Circle Staff goes above and beyond to help you achieve your dream of parenthood.
Intended parents and surrogates are matched based on certain criteria. As an intended parent, you'll work closely with your Program Coordination team to find the perfect surrogate match.
Read more about the matching process.