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Posted on October 31, 2025

By Dr. Kulsoom Baloch

Insurance in Surrogacy

With more than 100 surrogacy agencies operating in the U.S.

Intended Parents often struggle to compare options. Two agencies that frequently come up in discussions are Surrogacy4All and Southern Surrogacy.

At first glance, Southern Surrogacy advertises itself as a lower-cost option (starting around $95K). Surrogacy4All, meanwhile, positions itself as a licensed, physician-led agency with packages averaging $120K–$130K.

But when you look closer, the difference isn’t just about cost—it’s about transparency, safety, and long-term outcomes.

Cost Comparison

Southern Surrogacy (Advertised $95K–$105K)

  • IVF usually excluded (+$25K–$40K)
  • Surrogate insurance billed separately (+$20K–$40K)
  • Final cost often: $140K–$160K
  • Lower upfront quote, higher hidden expenses

Surrogacy4All ($120K–$130K)

  • IVF included (now largely covered by insurance under the 2025 Executive Order)
  • Surrogate insurance integrated
  • Licensed & physician-led program
  • Final cost typically accurate: $120K–$130K all-in

Result: Southern looks cheaper upfront, but most families end up paying the same—or more—than Surrogacy4All.

Transparency & Licensing

  • Southern Surrogacy: Attorney-owned, not physician-led; no NYS licensing; contracts may be enforceable but limited medical oversight.
  • Surrogacy4All : Licensed in New York, FDA-registered, and physician-led. Strong contracts and direct medical oversight reduce risks.

Medical Oversight

  • Southern Surrogacy: Outsources IVF and medical screening to third-party clinics.
  • Surrogacy4All : Partnered with clinics like RUMA IVF (Ghana) and Create IVF (Toronto), with in-house physicians available 24/7.

Case Study: Alice’s Lesson in Oversight

Alice once worked with an attorney-owned agency. At 4:00 a.m., she had severe pregnancy pain. She called the agency but only reached an answering service saying the office was closed. With no guidance, she went to the ER and tragically suffered a miscarriage.

When she switched to Surrogacy4All, the difference was clear: she had the direct cell number of a physician available 24/7. Alice now strongly recommends Surrogacy4All, highlighting the importance of medical oversight and real-time support.

Side-by-Side Comparison

Feature Southern Surrogacy Surrogacy4All
Advertised Cost $95K–$105K $120K–$130K
IVF Included? ❌ No ✅ Yes (insurance now covers most)
Surrogate Insurance ❌ Separate ✅ Included
Licensing ❌ Not NYS licensed ✅ NYS licensed, FDA registered
Medical Oversight ❌ Attorney-owned ✅ Physician-led
Support ❌ Limited (office hours) ✅ 24/7 physician access
Matching Wait Time 9–12 months 0–3 months
Final All-In Cost $140K–$160K $120K–$130K

Testimonials

“Southern’s quote looked cheaper, but once IVF and insurance were added, it was $150K. Surrogacy4All was upfront and accurate.”Daniel & Priya, NJ

“We wanted physician oversight, not just legal contracts. Surrogacy4All gave us confidence and peace of mind.”Hannah & Chris, TX

“Alice’s story convinced us to avoid agencies without 24/7 support. Surrogacy4All truly cares.”Michael & Sarah, NY

Expert Quote

“Transparency isn’t just about money. It’s about being honest with families about risks, timelines, and outcomes. That’s what sets physician-led programs apart.”
Dr. Rashmi Gulati, Medical Director, Patients Medical

FAQs

Q1: Why does Southern Surrogacy look cheaper?

Ans : They exclude IVF and insurance from quotes, which add $45K–$70K.

Q2: Does Surrogacy4All really cost less in the end?

Ans : Yes—because estimates are accurate and insurance savings are applied.

Q3: Which agency is safer for international parents?

Ans : Surrogacy4All, due to licensing, strong legal contracts, and immediate physician oversight.

Suggestions Links

Next Steps

Don’t be misled by “cheap” quotes that hide tens of thousands in extra expenses. Choose a licensed, physician-led agency that provides transparency, medical oversight, and peace of mind.

Contact Surrogacy4All.com today :
Call : 1-212-661-7177 | Mail : info@surrogacy4all.com | Site : www.Surrogacy4All.com

Dr. Kulsoom Baloch

Dr. Kulsoom Baloch is a dedicated donor coordinator at Egg Donors, leveraging her extensive background in medicine and public health. She holds an MBBS from Ziauddin University, Pakistan, and an MPH from Hofstra University, New York. With three years of clinical experience at prominent hospitals in Karachi, Pakistan, Dr. Baloch has honed her skills in patient care and medical research.