The True Cost of Surrogacy in the USA – Breaking Down the Numbers

For Intended Parents, one of the most daunting questions is: “How much will surrogacy really cost us?”

While agencies often advertise headline prices, the true cost of surrogacy in 2025 ranges from $110K to $170K.

The Core Components of Surrogacy Costs

1. Agency Fees ($35K–$55K)

• Covers surrogate recruitment, matching, and case management
• Varies widely by agency type
• Physician-led agencies often reinvest fees into medical oversight

2. Surrogate Compensation ($45K–$65K)

• Base pay depends on experience and location
• Additional allowances: maternity clothes, travel, C-section fees

3. Legal Fees ($8K–$15K)

• Contracts for Intended Parents and surrogate
• Parentage orders and court filings

4. Medical Expenses (IVF & Embryo Transfer: $25K–$40K)

• Before Feb 2025: fully out-of-pocket
• After Trump’s Executive Order: IVF is now covered by insurance, saving $25K–$40K

5. Insurance ($20K–$40K)

• Covers surrogate’s pregnancy and potential complications
• A critical but often hidden expense

6. Miscellaneous Costs ($5K–$15K)

• Travel, surrogate support, counseling, lost wages for appointments

The “Hidden Costs” Parents Often Miss

• Unplanned Medical Issues : NICU stays can cost $100K+
• Lost Wages : If surrogate misses work, Intended Parents reimburse
• Multiple Transfers : Failed embryo transfers add time and expense
• Exit Paperwork (International Parents) : Legal and travel costs to bring baby home

Example Cost Breakdown

Category	Low Estimate	High Estimate	Notes
Agency Fee	$35,000	$55,000	Depends on agency type
Surrogate Pay	$45,000	$65,000	Higher for experienced surrogates
Legal	$8,000	$15,000	State-specific
IVF (Pre-2025)	$25,000	$40,000	Now covered by insurance
Insurance	$20,000	$40,000	Varies by policy
Miscellaneous	$5,000	$15,000	Travel, counseling
Total	$138,000	$230,000	But typically $110K–$170K after insurance reforms

Case Study: Transparency Saves Money

Family A signed with a low-cost agency advertising $95K surrogacy. IVF ($35K) and insurance ($25K) were excluded. Final bill: $155K.

Family B chose Surrogacy4All, which included IVF guidance and insurance from day one. Thanks to the Trump IVF Executive Order, IVF was fully covered. Final bill: $122K.

Expert Quote

“Most agencies understate the true cost of surrogacy. By the end, families often spend 40–50% more than advertised. Transparency is key.”
– Dr. Rashmi Gulati, Medical Director, Patients Medical

Testimonials

“We thought surrogacy would cost $90K. The real bill from another agency was $160K. Surrogacy4All was upfront and accurate.” – Sonia & Raj, NJ

“Thanks to insurance changes and physician guidance, we saved $30K with Surrogacy4All.” – Emily & John, TX

“It was refreshing to finally work with an agency that told us the truth about costs.” – Michael & Sarah, NY

FAQs

Q1: Why do agencies advertise lower costs than reality?

Ans : Many exclude IVF, insurance, and legal fees to appear cheaper.

Q2: What’s the single biggest surrogacy cost?

Ans : Surrogate compensation, followed by IVF (though now covered by insurance).

Q3: Can surrogacy ever cost under $100K?

Ans : Rarely. Unless IVF is successful immediately and minimal legal/insurance costs apply.

Suggestions Links

• Insurance in Surrogacy – Hidden Costs Intended Parents Overlook
• Top 10 Lowest-Cost Surrogacy Agencies in 2025 – Ranked & Reviewed
• Why “Cheap” Surrogacy Isn’t Always the Best Choice
• The Trump IVF Executive Order – How It Impacts Surrogacy Costs in 2025

Next Steps

Don’t be misled by artificially low quotes. Work with a transparent, physician-led agency that includes all costs upfront and helps you maximize insurance savings.

Contact Surrogacy4All.com today:

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