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Surrogacy By State

How Much Does Surrogacy Cost in Montana?

Cost is a common concern for those looking to grow their family through assisted reproductive technology (ART). Depending on your circumstances, in-vitro fertilization (IVF) and surrogacy offer a path to parenthood.

Whether you are seriously considering it or just now learning about it, understanding the cost of surrogacy in Montana can help you determine if it’s an option for you and avoid hidden costs.

This allows you to focus on the different steps and aspects of this process that make your dreams of parenthood come to life.

Fill out our online contact form if you have any additional questions about the cost of surrogacy in Montana. We’re here for you.

Down below, we’ll look at what makes up the cost of surrogacy and how you can pay for it.

How Much Does Surrogacy Cost in Montana?

The average surrogacy cost can land anywhere from $150,000-$179,000+.

Throughout your surrogacy journey, your decisions will play a direct role in determining your cost.

Some of the choices you have to make during this journey include fees that are more concrete vs. more variable costs. Here are some examples of factors that will comprise your surrogacy cost breakdown:

Fixed Fees

Variable Costs

Your choice of fertility clinic will determine your IVF fees. One clinic may have different practices, medications used and costs for both of those than another clinic.

These expenses will depend on the needs of the newborn and be sure to check on your coverage as these types of expenses are usually covered by your health insurance.

Depending on what you’ve discussed with your surrogate, you may travel times to see them before the delivery. If that’s the case, you’ll need to prepare for your mode of travel and the costs that come with it. That could be the price of a train ticket, the cost of gas or even the additional fees that will come with booking a flight. 

You could be required to pay more to your surrogate depending on how experience with surrogacy and where she lives.

For a more numbers-based perspective and example, check out this surrogacy cost breakdown:

Montana Surrogacy
Cost Breakdown

Surrogacy Cost Breakdown in Montana
Surrogate.com

What Is a Realistic Income for Surrogacy?

There is no “realistic” income for surrogacy. People from all walks of life and professions pursue surrogacy to help grow their families.

Mark and Cody, for example, began to look into surrogacy knowing they wanted to have a child genetically related to one of them.

With an annual combined income of $205,000, their total cost came to $236,150 but affording surrogacy was possible by using:

Learn more about Mark and Cody’s story:

View Case StudyView Case Study

What Value Do You Get for the Costs of Surrogacy?

There are several different factors that contribute to the cost of surrogacy which may have you wondering what it means for your journey.

In terms of your investment for this life-changing opportunity, the main benefits of working with a reputable agency include:

  • Matching Quickly: One of the most important things that your agency will help you do is to find a surrogate quickly. Wait times are the difference between starting life with your new family and waiting longer to experience what that’s like. Some agencies are able to find you a match within months while others take years.
  • Thorough Screening: Becoming a surrogate requires screenings to ensure that they can safely carry a pregnancy. Reputable agencies have their own requirements in addition to thorough screenings to help decrease the chance of issues later on in the process. An unqualified surrogate could lead to additional time and money to find a qualified one.
  • Financial Security: Reputable agencies will offer financial protection for any issues that can arise during the process, ensuring your investment is protected.

If you are concerned about the cost of surrogacy in Montana, talk to an agencies you are considering about how their services impact your timeline to becoming a parent.

How Much Does Surrogacy Cost with Insurance in Montana?

The cost of surrogacy in Montana with insurance is dependent on the definition of the law and your insurance provider.

Montana is one of two states with fertility preservation and some infertility coverage according to RESOLVE, the national infertility association.

Starting in 2024, Health Maintenance Organizations (HMOs) were required to cover infertility services as part of their basic health care services.

Montana’s Medicaid program covers:

  • Evaluation expenses

  • Laboratory assessments

  • Medications and treatment for egg and sperm cryopreservation, including obtaining, freezing and storing gametes for up to one year

    Talk to your employer and insurance provider for clarity.

    How Much Does IVF and Surrogacy Cost?

    IVF and surrogacy go hand in hand as IVF is a crucial part of surrogacy. And while the costs of IVF and surrogacy are different, IVF for surrogacy is no different than traditional IVF.

    The cost of IVF can vary depending on your location.

    The average cost of IVF at Billings Clinic, the state’s largest independent health care system, is $15,000-$20,000 per cycle and it’s not uncommon for multiple cycles to be needed to achieve a pregnancy.

    Factoring in the average price tag of surrogacy at $150,000-$179,000 and you can see why surrogacy financing is part of some intended parent’s path to parenthood.

    How Much Does a Surrogate Cost in Montana?

    A surrogate in Montana can earn anywhere from $50,000-$70,000+ for their decision to change your life. A surrogate’s base compensation can vary depending on:

    • Income
    • Experience
    • Location

    How to Pay for Surrogacy

    If affording surrogacy is something you are concerned about, there are solutions available. Others have been in your shoes and are now living happily with their family because of the many different surrogacy financing options there are.

    Some employers provide fertility benefits that can alleviate some of the costs. If you are looking into growing your family, talk to your employer.

    More and more traditional businesses like banks have begun to offer family-building loans that can cover fertility treatments and surrogacy.

    You could host a benefit dinner, a concert in the park or even a car wash. Fundraising has become easier than ever with sites like GoFundMe or Kickstarter.

    Some organizations offer grants for those looking to grow their family but are dealing with infertility issues.

    A Home Equity Line of Credit (HELOC) is a common source of funding for surrogacy. You only pay it back when you start using it and the limits for a HELOC are typically much higher than credit cards.

    Grants

    Loans

    Surrogacy Agencies in Montana

    If surrogacy is right for your circumstances, working with professionals that have industry knowledge and experience can help make parenthood a reality for you.

    Here are some surrogacy agencies that provide services in Montana:

    Fertility Clinics in Montana

    A fertility clinic will be the professional you work with that handles the medical side of surrogacy.

    A reputable clinic provides peace of mind whether that’s through the practices that make their clinic stand out or the complete suite of services to make it a one-stop shop.

    Consider these fertility clinics located around the state:

    Get in Touch with Us Today

    If surrogacy is something you are considering to help grow your family, we’re here for you.

    We can walk you through everything surrogacy-related, from each step of the process to important decisions such as choosing a surrogate.

    Get in touch with us online to find out more about how to become a parent through surrogacy.

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