| Fact | Value |
|---|---|
| Program Cost | $120,000–$180,000 estimated total |
| Agency Fee | $38,500 flat, no re-match fee |
| Surrogate Compensation | $60,000–$100,000 in total compensation |
| Timeline | 15–18 months, consultation to birth |
| License / Registration | NYS Surrogacy Program License GSP220903 |
| Locations | New York, Toronto, Accra |
| Success Rates | 65% first transfer, 90% cumulative (per SART guidelines) |
| Category | Low | Typical | High |
|---|---|---|---|
| Agency fee | $38,500 | $38,500 | $38,500 |
| Surrogate compensation & benefits | $60,000 – $65,000 | $65,000 | $100,000 |
| Embryo Transfer and Related Clinical Procedures | $0 – $20,000 | $20,000 | $25,000 |
| Surrogate Matching Expenses (varies by carrier location) | $0 – $2,500 | $2,500 | $2,500 |
| Initial screening | $0 – $3,000 | $3,000 | $5,000 |
| Legal Fees | $10,000 | $10,000 | $12,000 |
| Surrogate Insurance | $10,000+ | $10,000+ | $10,000+ |
| Escrow setup fee | $1,500 | $2,000 | $2,000 |
| Total | ≈ $120,500 | ≈ $130,000–$145,000 | ≈ $151,000 |
Covers recruiting and screening surrogates, matching, medical and legal coordination, and escrow management across the full 15–18 months. Most U.S. agencies charge $45,000–$75,000 and add a separate re-match fee if a match falls through; Surrogacy4All's flat fee has no re-match charge.
Base compensation runs $60,000–$100,000 for a first-time surrogate. On top of base pay, benefits typically include a monthly allowance, a maternity clothing allowance, payments at medication start and at transfer, a C-section fee if needed, a multiples payment for twins, lost-wage reimbursement, childcare during appointments, and a life-insurance policy for the duration of the pregnancy.
A frozen embryo transfer cycle alone runs $6,000–$12,000. If embryos still need to be created, add egg retrieval ($12,000–$20,000), ICSI, embryo culture, and PGT-A genetic testing ($3,000–$6,000). Using donor eggs adds donor compensation and a separate retrieval cycle on top of that.
Medical screening, a physical exam, the FDA-required infectious-disease panel, a uterine evaluation, a psychological evaluation, and background checks. At Surrogacy4All, screening is directed by physicians under the agency's own tissue-bank registrations rather than outsourced.
Two attorneys are required by design: one representing the intended parents, one independent attorney representing the surrogate. This covers the gestational carrier agreement, the escrow agreement, and the parentage order — pre-birth where the state allows it, post-birth where it doesn't. States that require a court hearing for the parentage order run toward the higher end.
The surrogate's own health plan may cover a surrogate pregnancy, may exclude it outright, or may require a rider. Where it doesn't, a purchased exchange policy runs $10,000–$30,000 including premiums and deductible. Separate policies for newborn care and for surrogate complications can add to this.
An independent, third-party escrow company holds the surrogate's compensation and disburses it against the contract's payment schedule — neither the agency nor the intended parents control the funds directly.
Covers travel for the transfer and for the birth, lodging near the surrogate close to her due date, and a 5–10% contingency reserve for anything the budget didn't anticipate.
It’s tempting to sort every option by total price and stop there. That works until the cheapest state turns out to be the one where a contract dispute has no fast legal remedy, or where a pre-birth parentage order simply isn’t available and the birth certificate process takes months longer than planned. A program that’s $15,000 cheaper up front can cost far more than that in delay, legal fees, and stress if the underlying state law doesn’t back up the contract the way a surrogacy-friendly state’s does.
As a rule of thumb: price the journey together with the legal-status tier of the state involved (see the state-by-state law guide), not in isolation. Two families quoted almost identical totals — one in a state with a clear surrogacy statute and pre-birth orders, one in a state where compensated surrogacy contracts aren’t consistently enforced — are not actually being offered the same thing.
| Factor | Pulls Toward $120,000 | Can Push Toward $180,000 |
|---|---|---|
| Surrogate Tier | First-time surrogate (≈ $60,000 total) | Experienced surrogate (≈ $85,000 total) |
| Embryos | Frozen, PGT-A-tested embryos already exist | Egg retrieval needed; donor eggs |
| Insurance | Surrogate’s plan covers surrogacy | Exchange policy purchased; high deductible |
| Transfers Needed | One (euploid embryo) | Two or more |
| Surrogate Experience | First-time | Experienced (higher base) |
| State | Lower-cost state, pre-birth order | High-cost state or post-birth process |
| Pregnancy | Singleton, vaginal delivery | Multiples, C-section, bed rest |
Surrogate compensation and legal costs vary by state; medical costs vary by clinic. The table below shows the typical total for a first-time surrogate in each state. Click a state for the full state guide.
| State | Typical Program Total | Surrogate Base (First-time) | Legal Note |
|---|---|---|---|
| Alabama | $120,500–$138,000 | $50,000–$55,000 | Case law / practice |
| Alaska | $125,000–$145,000 | $48,000–$55,000 | Case law / practice |
| Arizona | — | — | Contracts void by statute; orders granted in practice |
| Arkansas | $120,500–$138,000 | $50,000–$55,000 | Case law / practice |
| California | $130,000–$151,000 | $60,000–$65,000 | Statute |
| Colorado | $130,000–$151,000 | $60,000–$65,000 | Statute |
| Connecticut | $130,000–$151,000 | $60,000–$65,000 | Statute |
| Delaware | $125,000–$145,000 | $48,000–$55,000 | Statute |
| District of Columbia | $130,000–$151,000 | $60,000–$65,000 | Statute |
| Florida | $120,500–$138,000 | $50,000–$55,000 | Statute |
| Georgia (USA) | $120,500–$138,000 | $50,000–$55,000 | Case law / practice |
| Hawaii | $125,000–$145,000 | $48,000–$55,000 | Case law / practice |
| Idaho | $120,500–$138,000 | $50,000–$55,000 | Case law / practice |
| Illinois | $130,000–$151,000 | $60,000–$65,000 | Statute |
| Indiana | — | — | Contracts void by statute; orders granted in practice |
| Iowa | $120,500–$138,000 | $50,000–$55,000 | Case law / practice |
| Kansas | $120,500–$138,000 | $50,000–$55,000 | Case law / practice |
| Kentucky | $120,500–$138,000 | $50,000–$55,000 | Case law / practice |
| Louisiana | — | — | Restricted (uncompensated; married couples) — we match in another state |
| Maine | $125,000–$145,000 | $48,000–$55,000 | Statute |
| Maryland | $130,000–$151,000 | $60,000–$65,000 | Case law / practice |
| Massachusetts | $130,000–$151,000 | $60,000–$65,000 | Case law / practice |
| Michigan | $120,500–$138,000 | $50,000–$55,000 | Statute |
| Minnesota | $120,500–$138,000 | $50,000–$55,000 | Case law / practice |
| Mississippi | $120,500–$138,000 | $50,000–$55,000 | Case law / practice |
| Missouri | $120,500–$138,000 | $50,000–$55,000 | Case law / practice |
| Montana | $120,500–$138,000 | $50,000–$55,000 | Case law / practice |
| Nebraska | — | — | Compensated contracts unenforceable — we match in another state |
| Nevada | $130,000–$151,000 | $60,000–$65,000 | Statute |
| New Hampshire | $125,000–$145,000 | $48,000–$55,000 | Statute |
| New Jersey | $130,000–$151,000 | $60,000–$65,000 | Statute |
| New Mexico | $120,500–$138,000 | $50,000–$55,000 | Case law / practice |
| New York | $130,000–$151,000 | $60,000–$65,000 | Statute |
| North Carolina | $125,000–$145,000 | $48,000–$55,000 | Case law / practice |
| North Dakota | $120,500–$138,000 | $50,000–$55,000 | Statute |
| Ohio | $120,500–$138,000 | $50,000–$55,000 | Case law / practice |
| Oklahoma | $120,500–$138,000 | $50,000–$55,000 | Statute |
| Oregon | $130,000–$151,000 | $60,000–$65,000 | Case law / practice |
| Pennsylvania | $125,000–$145,000 | $48,000–$55,000 | Case law / practice |
| Rhode Island | $125,000–$145,000 | $48,000–$55,000 | Statute |
| South Carolina | $120,500–$138,000 | $50,000–$55,000 | Case law / practice |
| South Dakota | $120,500–$138,000 | $50,000–$55,000 | Case law / practice |
| Tennessee | $120,500–$138,000 | $50,000–$55,000 | Case law / practice |
| Texas | $120,500–$138,000 | $50,000–$55,000 | Statute |
| Utah | $120,500–$138,000 | $50,000–$55,000 | Statute |
| Vermont | $125,000–$145,000 | $48,000–$55,000 | Statute |
| Virginia | $125,000–$145,000 | $48,000–$55,000 | Statute |
| Washington | $130,000–$151,000 | $60,000–$65,000 | Statute |
| West Virginia | $120,500–$138,000 | $50,000–$55,000 | Case law / practice |
| Wisconsin | $120,500–$138,000 | $50,000–$55,000 | Case law / practice |
| Wyoming | $120,500–$138,000 | $50,000–$55,000 | Case law / practice |
| Agency/program | Current published cost position | Important qualifications |
|---|---|---|
| Surrogacy4All | $120,000–$180,000 estimated total; $38,500 agency fee | Itemized structure; matching within four weeks |
| Circle Journey Protection | $189,500 | Excludes IVF and egg-donor expenses |
| American Surrogacy Foundation | $187,500+ | Traditional structure; costs may increase after additional transfers or rematching. American Surrogacy sources |
| American Surrogacy Limited Risk | $202,500+ | Includes specified matching, screening and refund protections |
| Hatch | Price provided after consultation | Do not publish an estimated Hatch price without a current source |
When comparing surrogacy programs, don't compare headline prices alone. Make sure each program includes the same major expenses, protections and potential additional costs.
A lower headline price does not always mean a lower total journey cost. Compare what is included, what is excluded, and what happens if additional transfers, rematching, insurance issues or medical complications arise.
| Typical US Agency | Surrogacy4All | |
|---|---|---|
| Agency Fee | $50,000–$80,000 | $38,500 flat |
| Re-match Fee | Often charged | None |
| Medical Coordination | Outsourced to clinic | In-house, physician-led |
| Screening Oversight | Third-party | Our physicians, under our tissue bank registrations |
| Fee Disclosure | Often on request | Published on our fees page |
Published U.S. surrogacy program prices vary according to what is included. Current examples include Circle’s $189,500 fixed surrogacy-only program and American Surrogacy’s programs beginning at $187,500+. Surrogacy4All publishes an estimated total of $120,000–$180,000, with matching within four weeks. IVF, egg donation, insurance, legal work, additional transfers and special circumstances must be compared separately. Our full comparison is on the Circle Surrogacy vs Surrogacy4All page.
Every family’s journey is different, so a one-size-fits-all quote is rarely accurate. So intended parents can get a personalized starting range before booking a consultation.
State laws, cost of living, surrogate compensation, legal work, and insurance availability can all affect the final budget.
If you already have frozen embryos, your cost may be lower than a journey that requires a new IVF cycle.
Egg donation can increase the total budget because it may include donor screening, donor compensation, legal agreements, medication, retrieval, and embryo creation.
Some intended parents only need one transfer, while others may need more than one attempt.
A known surrogate journey can change the agency role, screening process, and overall budget.
Insurance is one of the most variable areas in surrogacy. A proper review helps avoid unexpected bills later.
International parents may need additional legal, travel, newborn insurance, and documentation support.
Surrogacy is a major investment, but many intended parents use a combination of funding strategies to make the journey manageable. Our role is to help you understand the timing of payments, identify possible financial gaps, and plan with realistic expectations.
Surrogacy costs usually don't all happen at once. A lot of costs are paid out in stages, including Agency onboarding, surrogate match baby milestones like embryo transfers, and the delivery. Knowing the timeframe can assist you in planning the flow of cash.
Some intended parents use savings for the early phases of the journey and financing for later steps. We help you understand which costs may come first so you can prepare.
There are lenders and financing companies that specialize in fertility, IVF, and family-building expenses. Intended parents may use these options to cover part of the cost.
Some employers now offer fertility or family-building benefits. These may help cover IVF, medication, testing or fertility-related services. Coverage varies widely, so you should check your benefits carefully.
Some organizations offer grants to help with fertility treatments, including IVF, adoption and family-building. These grants can be competitive; however, they could assist in reducing the cost of out-of-pocket expenses.
Many parents who are planning to become parents receive help from family members or close friends. If relatives contribute, it's recommended to keep a budget in order and log it.
Some families explore home equity lines, personal loans or other financing tools. These decisions should be reviewed with a financial advisor so you understand repayment terms and risks.
The surrogacy cost can feel easier to manage when you have a clear roadmap. We help intended parents understand expected costs, possible extras and payment timing so they can move forward with confidence.
At Surrogacy4All, we are physician-led. That matters because surrogacy is not just a matching service. It is a medical, legal, emotional and logistical journey that requires careful coordination from the beginning.
A physician-led model can help reduce unnecessary overhead, improve communication with fertility clinics and keep the process focused on what actually supports a safe and successful journey. We are not built around expensive layers of corporate administration. We are built around intended parents, surrogates, medical guidance, and transparent planning.
Our Model Helps Intended Parents By:
Reducing confusion between the agency, clinic, legal and insurance steps
Keeping medical coordination central to the journey
Helping identify risks earlier
Avoiding unnecessary upgrades or unclear add-ons
Providing realistic cost planning before commitment
Assisting intended parents as well as surrogates in a compassionate way
Staying focused to ensure safety and clarity, and building a family
We do not believe that intended parents should be paying more because an agency has a larger name or an investor-backed structure. We believe you should have experienced guidance as well as ethical surrogate care: solid coordination and transparent pricing.
Even with careful planning, some factors can increase the total amount. We explain these early so you are not surprised later.
If a transfer does not result in pregnancy or if additional embryos are needed, IVF costs may increase.
If you need donor eggs, your journey may include donor matching, donor screening, donor compensation, retrieval, legal documents, and embryo creation.
An experienced surrogate may receive higher compensation than a first-time surrogate.
Some states or regions have higher compensation expectations, especially California, New York and parts of the West Coast.
Carrying twins may involve additional compensation, higher medical monitoring, and possible insurance considerations.
A C-section or other pregnancy-related medical procedure may lead to additional compensation or medical costs.
If the surrogate’s current insurance does not cover surrogacy-related pregnancy, a separate policy may be needed.
If intended parents, surrogates or medical appointments involve travel, expenses may increase.
International intended parents, unmarried parents, same-sex couples, donor gametes, or certain state laws may require additional legal work.
Choosing an agency is not only about price. It is about trust, safety, communication, and the confidence that your team knows how to guide you from the first consultation to the moment your baby is in your arms.
At Surrogacy4All, we combine medical insight, transparent pricing, experienced coordination, and compassionate support. We work with intended parents from many backgrounds, including heterosexual couples, LGBTQ+ families, single parents and international intended parents.
Intended Parents Choose Us Because We Offer:
We know this journey is deeply personal. You are not buying a simple service. You are building your family. That is why we treat your questions, your budget and your future with the care they deserve.
Speak with Surrogacy4All today and learn what your journey may cost, what is included, what may be extra, and how to move forward with confidence.
A: With Surrogacy4All, gestational surrogacy is all-in from $120,000, with an estimated total of $120,000–$180,000.
A: $38,500, paid as $2,500 at sign-up, $18,000 as the first installment and $18,000 once the match is complete.
A: $60,000–$100,000 in base compensation plus a $1,000 signing bonus. See surrogate compensation.
A: $10,000–$12,000.
A: $2,000–$27,000, depending on what insurance covers and whether your embryos are already created.
A: A purchased exchange policy typically costs $10,000–$30,000.
A: All-in from $150,000, with an estimated total of $150,000–$200,000.
A: The surrogate receives $10,000 for each additional child, plus any added medical costs.
A: Large agencies typically total $250,000–$350,000+, with agency fees of $50,000–$80,000.
A: In independent escrow with SeedTrust.
A: Yes. Surrogate compensation and insurance vary by state; California journeys run toward the upper end of the range.
A: Yes. Some employers reimburse fertility and surrogacy costs; ask HR what your plan covers.
A: Most matches happen within 4 weeks, and most journeys take 15–20 months.
A: 65% on the first transfer and 90% cumulative, per SART guidelines.
A: Book a free consultation at contact us or call (212) 661-7673.
Talk with our physician-led team about your family, embryos, timeline and budget. We’ll explain your options and next steps with no obligation.
Our job is to listen, to connect the dots between your needs, and to determine how we can best help you have your baby. If you’re asking how much does it cost for a surrogate, we’ll walk you through every step of the process to ensure there are no surprises.
To make an appointment with one of our counselors or physicians, please call (212) 661-7673 or email info@surrogacy4all.com. We look forward to hearing from you.
Since 2006, Surrogacy4All has helped intended parents in the United States and around the world build their families through physician-led gestational surrogacy and egg donation.
Secret Guide to Minimizing Surrogacy Costs
NYS Surrogacy Program License GSP220903 · NYS Tissue Bank License ID 1570 · California Tissue Bank License CTB00082276 · Maryland Tissue Bank License TB3527 · FDA HCT/P Establishment Registration FEI 3021544308 · Health Canada Establishment Registration 000119 Verify: How to check our licenses
THIS WEBSITE DOES NOT PROVIDE MEDICAL ADVICE AND MAY BE OUT OF DATE. The information, including but not limited to text, PDFs, graphics, images, and other material contained on this website, is for general educational purposes only. No material on this site is intended to be a substitute for professional medical advice, diagnosis, or treatment, and does not create a patient-doctor relationship. Pricing on the website may be out of date, is subject to change without notice, and may be subject to additional terms and conditions. No information on this site is intended to be a financial quote for medical services. Always seek the advice of your physician or other qualified healthcare provider with any questions you may have regarding a medical condition, lifestyle or dietary changes, treatments, and before undertaking a new healthcare regimen. Never disregard professional medical advice or delay in seeking it because of something you have read on this website.
Disclaimer: THIS WEBSITE DOES NOT PROVIDE MEDICAL ADVICE AND MAY BE OUT OF DATE. The information, including but not limited to text, PDFs, graphics, images, and other material contained on this website, is for general educational purposes only. No material on this site is intended to be a substitute for professional medical advice, diagnosis, or treatment, and does not create a patient-doctor relationship. Pricing on the website may be out of date, is subject to change without notice, and may be subject to additional terms and conditions. No information on this site is intended to be a financial quote for medical services. Always seek the advice of your physician or other qualified healthcare provider with any questions you may have regarding a medical condition, lifestyle or dietary changes, treatments, and before undertaking a new healthcare regimen. Never disregard professional medical advice or delay in seeking it because of something you have read on this website.
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