How Much Does IVF Add to Your Surrogacy Budget?

When Intended Parents look at surrogacy agency estimates, many are surprised to learn that IVF is often not included in the advertised number. IVF—the medical process that creates and transfers embryos—can add $20,000–$40,000 to a surrogacy journey

This blog will break down IVF’s role in surrogacy, how much it typically costs in 2025, and how physician-led agencies like Surrogacy4All help Intended Parents plan smarter and avoid hidden fees.

What Is IVF in Surrogacy?

In surrogacy, IVF is used to create embryos from the Intended Parents’ (or donors’) sperm and eggs, which are then transferred into the surrogate’s uterus.

IVF Includes:

• Ovarian stimulation & egg retrieval
• Sperm collection and preparation
• Embryo creation in the lab
• Genetic testing (PGT/PGD)
• Embryo freezing and storage
• Embryo transfer into surrogate

IVF Cost Breakdown in 2025

IVF Component	Estimated Cost (USD)
IVF cycle (lab + retrieval)	$15,000–$25,000
Medications (stimulation drugs)	$5,000–$10,000
Embryo transfer procedure	$3,000–$5,000
Genetic testing (PGT/PGD)	$3,000–$7,000 (optional)
Storage (1 year)	$1,000–$2,000

Total IVF Cost per Cycle: $25,000–$40,000

And because some Intended Parents require multiple cycles, IVF can easily double the surrogacy budget.

Case Study: IVF’s Hidden Impact

Couple A chose an agency advertising surrogacy for $95K. IVF was not included. They required two cycles:

• IVF costs: $60K
• Insurance: $25K
• Legal: $10K

Final bill: $165K—almost double the original number.

Couple B worked with Surrogacy4All, where IVF coordination and cost transparency were built into their $118K plan. They needed one cycle and had no surprise expenses.

Why Many Agencies Exclude IVF Costs

• Keeps “headline” numbers low to attract families
• IVF is billed by clinics, not agencies
• Families often don’t realize this until later

This practice leads to confusion, frustration, and mistrust.

Why Physician-Led Agencies Handle IVF Better

Agencies like Surrogacy4All—backed by PatientsMedical.com—offer:

• In-house fertility expertise
• Clear IVF cost estimates
• Connections to egg donor programs (IndianEggDonors.com, EggDonors4All.com)
• Reduced need for multiple cycles through personalized planning

Expert Quote

“IVF is the single biggest hidden cost in surrogacy. Families need transparency about how many cycles may be required and what each cycle adds to the budget.”
– Dr. Rashmi Gulati, Medical Director, Patients Medical

Testimonials

“Our first agency told us surrogacy was $100K. IVF added $35K more. Surrogacy4All gave us the full picture from day one.” – David & Sophia, CA

“We needed donor eggs. Surrogacy4All coordinated everything with IndianEggDonors.com—no stress, no surprises.” – Ravi & Priya, NJ

“We thought IVF was included. When we found out it wasn’t, our budget collapsed. Switching to Surrogacy4All saved us.” – Hannah & Mark, TX

FAQs

Q1: How many IVF cycles do most Intended Parents need?

Ans: 1–2 cycles are typical, depending on age, egg quality, and embryo health.

Q2: Can IVF be covered by insurance?

Ans: Yes, in some states. The 2025 IVF Executive Order has expanded coverage, but many plans still exclude surrogacy-related IVF.

Q3: How does Surrogacy4All make IVF more affordable?

Ans: By providing transparent, all-in estimates and medical oversight to reduce failed cycles.

Suggestions Linking

• True Cost of Surrogacy in the USA – Breaking Down the Numbers
• Why “Cheap” Surrogacy Isn’t Always the Best Choice
• Insurance in Surrogacy – Hidden Costs Intended Parents Overlook
• Using Donor Eggs in Surrogacy – What You Need to Know

Next Steps

If you’re budgeting for surrogacy, don’t overlook IVF. Work with a program that makes costs clear from the start.

Contact Surrogacy4All.com today for a transparent, physician-led cost estimate:1-212-661-7177 info@surrogacy4all.com