Surrogacy Cost in Memphis, Tennessee: A Simple Guide

Surrogacy is a powerful and life-changing way to build a family in Memphis, Tennessee, offering hope to those who dream of parenthood. While the financial aspects of surrogacy may initially seem daunting, with the right support, planning, and resources, your dream of parenthood is within reach.

Having a child through surrogacy is an exciting and meaningful journey, but it can also be expensive. While the costs of surrogacy can appear daunting, strategic financial planning and expert guidance make it an achievable goal for many families.

This guide breaks down the costs of surrogacy in Memphis and explores various strategies to make it more accessible, ensuring that financial concerns don’t stand in the way of your growing family. Keep reading to learn more, or contact us for help connecting with experienced surrogacy professionals.

How Much Does Surrogacy Cost in Memphis?

The total cost of surrogacy in Memphis usually ranges from $100,000-$200,000+. This includes payments for the surrogate, medical procedures, legal services, and agency fees. The exact amount varies based on factors like the surrogate’s location, medical needs, and the agency you choose.

While surrogacy requires a significant financial investment, countless parents have successfully navigated the process through careful planning, financial support, and expert advice, turning their dreams into reality. Many intended parents use financial planning, grants, and loans to make their dream of having a child a reality.

Surrogacy Cost Breakdown: How Much Does a Surrogate Cost?

Understanding how surrogacy expenses are divided can help you plan your budget. Here’s an estimated percentage breakdown of the costs:

• Surrogate Compensation and Benefits – 35% of the total cost of surrogacy is dedicated to ensuring the surrogate is fairly compensated for her time, physical effort, and commitment. This covers base pay, additional allowances for medical and travel expenses, and various benefits that support the surrogate’s well-being throughout pregnancy.
• Medical Expenses – 11% of the total cost is allocated to necessary healthcare services, including fertility treatments, prenatal care, and labor and delivery costs for the surrogate. These expenses ensure the health and safety of both the surrogate and the baby throughout the pregnancy and postpartum period.
• Agency Fees – 21% of the total cost goes toward the professional services provided by the surrogacy agency, which helps coordinate the entire process. These fees cover administrative support, case management, surrogate recruitment, and guidance for both the intended parents and the surrogate throughout the journey.
• Matching & Screening – 27% of the total cost covers the process of finding a qualified surrogate and ensuring she meets all necessary medical and psychological requirements. This includes extensive background checks, medical screenings, and evaluations to confirm that the surrogate is physically and emotionally prepared for the journey.
• Legal Fees – 6% of the total cost covers the legal processes necessary to establish parental rights and protect all parties involved in the surrogacy arrangement. This includes drafting and reviewing contracts, filing legal paperwork, and ensuring compliance with Tennessee surrogacy laws.

Every part of the surrogacy process plays a crucial role in bringing your child safely into the world, and working with dedicated professionals ensures a seamless, supported experience. A knowledgeable surrogacy professional can provide the guidance and structure needed to navigate these costs efficiently while prioritizing the well-being of all involved.

How Much Does Surrogacy Cost with Insurance?

Health insurance plays a big role in the overall cost of surrogacy. Some insurance plans cover surrogate-related medical costs, while others do not. It’s important to review your insurance policy to understand what is covered.

If your insurance lacks surrogacy coverage, don’t be discouraged—many agencies have the expertise to help you secure affordable, supplemental plans that can significantly ease the financial strain. Understanding your insurance options early on can save you money and prevent unexpected expenses.

How Much Does a Surrogate Cost? Understanding Surrogate Compensation

Surrogates are paid for their time, effort, and sacrifices. In Memphis, surrogate compensation typically ranges from $50,000 to $70,000+. This amount helps cover the physical and emotional challenges of pregnancy, as well as expenses like lost wages, maternity clothing, and medical co-pays.

How Much Does IVF and Surrogacy Cost?

IVF is a key step in the surrogacy process, typically costing between $12,000 and $25,000+, depending on factors like medications, lab tests, and embryo storage. Some intended parents use insurance or employer benefits to help cover these expenses. If you don’t have benefits, there are other sources of financial aid available to you.

Surrogacy Financing: How to Pay for Surrogacy

Although surrogacy is expensive, there are many ways to make it more affordable. Intended parents often use a mix of savings, loans, employer benefits, and grants to cover costs.

• Personal Savings – Many families take proactive steps to budget and save for surrogacy by setting aside funds over time. This approach helps reduce financial stress and reliance on loans, making the surrogacy journey more manageable and sustainable.
• Grants & Scholarships – Various organizations offer grants and financial aid programs specifically designed to help intended parents manage the costs of surrogacy. These programs often have eligibility requirements, so researching and applying early can improve the chances of receiving funding.
• Employer Benefits – Many employers now provide fertility and surrogacy benefits through their health plans, covering expenses like fertility treatments, egg retrieval, and surrogate medical costs. Checking with your HR department can help determine if your employer offers these benefits and how they can be used to support your surrogacy journey.
• Loans – Fertility and personal loans offer flexible funding options, allowing intended parents to cover surrogacy-related expenses over time. These loans often come with varying interest rates and repayment plans, so researching lenders and understanding terms is crucial before committing.
• Home Equity Financing – Homeowners may leverage home equity lines of credit (HELOC) to access funds for surrogacy-related expenses, using their property’s value as collateral. This option can provide lower interest rates compared to other loans, making it a practical choice for those who have sufficient equity built up in their homes.
• Crowdfunding & Fundraising – Online fundraising platforms provide an accessible way for intended parents to raise funds by allowing family, friends, and even the broader community to contribute to their surrogacy journey. These platforms offer features like goal tracking, social media sharing, and personalized fundraising pages to help maximize outreach and financial support.

Mark and Cody’s Story:

Mark and Cody’s journey highlights how determination, financial planning, and resourcefulness can turn the dream of parenthood into a reality, no matter the initial financial hurdles.

They took the time to research their options, consult financial professionals, and make strategic decisions. By following the steps outlined above—combining personal savings, securing a specialized fertility loan, and receiving financial support from family—they were able to cover medical expenses, agency fees, and surrogate compensation.

You can use these same resources to fund your surrogacy journey, just like Mark and Cody did. Take some time to learn more about their journey; you may pick up some useful advice.

The Benefits of Working with a Surrogacy Agency

Partnering with a surrogacy agency can simplify and streamline the surrogacy journey by providing expert guidance and comprehensive support.

Agencies help intended parents find a surrogate more quickly, sometimes reducing the wait from months to just a few weeks. They also conduct extensive medical and psychological screenings to ensure that surrogates meet all necessary health and emotional criteria, preventing complications down the road.

Surrogacy agencies also offer financial protection, helping parents manage payments securely and avoid unexpected costs. By handling legal paperwork, medical coordination, and financial arrangements, agencies make the surrogacy process smoother, less stressful, and more predictable for intended parents.

Memphis IVF Clinics

If you need an IVF clinic in Memphis, here are some trusted providers:

• Fertility Associates of Memphis – Memphis, TN
• Saint Francis Women’s Health & Fertility – Memphis, TN
• MOGA – Memphis, TN

Surrogacy Agencies in Memphis, Tennessee

Working with a surrogacy agency can provide crucial guidance throughout the process. Here are some reputable agencies in the Memphis area:

• American Surrogacy
• Creative Family Connections
• Growing Generations

These agencies offer professional guidance, matching services, and legal support to make the experience smoother. Now that you have the resources you need, you can take the next step toward your surrogacy journey.

How to Begin Your Surrogacy Journey: Connect with Experts Today

Surrogacy may seem overwhelming, but with the right support and expertise, you are never alone—experienced professionals are ready to walk alongside you and help make your dream of parenthood a reality.

Contact us today to get connected with experienced surrogacy professionals who can guide you through the process. With the right support and financial planning, your dream of parenthood through surrogacy can become a reality.

Connect with us today!