How Much Does Surrogacy Cost in Des Moines, Iowa?

If you’re considering surrogacy in Des Moines, Iowa, understanding the costs involved is crucial.

Surrogacy is a significant financial investment, but with careful planning, you can navigate your journey effectively. Below, we break down the various expenses you can expect.

If you want to learn more about the process or get a personalized estimate, we can help you connect with a local surrogacy professional. Just fill out our online form to get started.

Average Surrogacy Costs in Des Moines

On average, the cost of surrogacy in Des Moines ranges from $100,000-$200,000+. Your total cost will depend on several factors, including your surrogate’s compensation, medical expenses and whether you use a surrogacy agency.

While this may seem like a significant amount, many professionals and services work together to ensure a smooth family-building journey. Here’s a surrogacy cost breakdown to help you visualize your costs: 

Surrogacy Agency Fees in Des Moines

If you choose to work with a surrogacy agency in Des Moines, expect to pay anywhere from $20,000 to $40,000 in agency fees. These fees cover essential services, such as matching you with a surrogate, case management and emotional support throughout the journey.

Surrogate Compensation in Des Moines

How much does a surrogate cost? Surrogates in Iowa typically receive compensation ranging from $50,000 to $70,000, depending on experience, medical history and specific agreements with the intended parents.

Medical and IVF Expenses in Des Moines

Medical costs, including in vitro fertilization, prenatal care and delivery, are a significant part of surrogacy expenses. How much does IVF and surrogacy cost? IVF treatments alone can cost $18,000 to $24,000 per cycle, depending on the clinic and specific medical requirements. Other medical expenses, such as fertility medications and monitoring, add to the overall cost.

Legal Fees for Surrogacy in Des Moines

Iowa requires legal representation for both the intended parents and the surrogate. Legal fees typically range from $8,000 to $15,000, covering things like contracts and court filings. Your surrogacy agreement must follow Iowa laws to protect everyone involved.

Surrogacy Insurance in Des Moines

How much does surrogacy cost with insurance? Some health insurance plans may cover certain aspects of the process, such as prenatal care and delivery, while others exclude surrogacy-related medical expenses. It’s essential to review both your insurance and the surrogate’s policy carefully.

You may need to purchase a separate policy to ensure full coverage. A surrogacy-friendly insurance plan can cost $15,000 to $25,000. Your adoption professional can help you determine which plan would work best for your situation.

Additional Surrogacy Costs to Consider

Beyond agency fees and medical expenses, there are other costs to factor in:

• Travel Costs: If your surrogate is located outside Des Moines, you may need to cover travel and lodging costs for medical visits.
• Miscellaneous Expenses: You may want to budget for potential additional costs, such as maternity clothing, lost wages and child care for the surrogate.

Is Surrogacy in Des Moines More Affordable Than Other Cities?

Compared to larger metro areas like Chicago or New York, surrogacy in Des Moines can be more affordable. Lower medical and legal costs, as well as a lower cost of living, contribute to reduced expenses. However, intended parents should still prepare in case unexpected costs arise throughout the process.

4 Ways to Reduce Surrogacy Costs

While affording surrogacy is a significant investment, there are ways to manage expenses. Here’s how to pay for surrogacy:

1. Grants: Some organizations offer financial assistance to intended parents through grants specifically for fertility treatments and surrogacy. Researching and applying for these grants can help lower your overall costs.
2. Loans and Payment Plans: Many fertility clinics and surrogacy agencies offer surrogacy financing options, allowing you to pay in installments instead of a lump sum. This can make surrogacy more financially manageable.
3. Savings: Setting up a dedicated savings plan for surrogacy can help you prepare financially. Budgeting early and cutting nonessential expenses can ease your financial burden.
4. Employee Benefits: Some employers provide financial assistance for fertility treatments, including surrogacy. Checking with your human resources department can help you determine if your workplace offers any relevant benefits.

Understanding surrogacy costs in Des Moines allows you to plan effectively and make informed financial decisions. For more information, fill out our contact form. We can help you get in touch with a knowledgeable surrogacy professional.