Surrogacy Cost in Portsmouth, Virginia: A Simple Guide

Surrogacy is a transformative journey, offering intended parents the chance to build their families with love and dedication. While the financial aspect can feel overwhelming, understanding these costs helps you make informed decisions.

Below, we break down what you can expect when pursuing surrogacy in Portsmouth. If you need guidance, our network of professionals is here to help.

Contact us today!

How Much Does Surrogacy Cost in Portsmouth, Virginia? An Overview

Surrogacy in Portsmouth, Virginia, generally costs between $100,000-$200,000+. Though this investment may seem substantial, many families have found that careful financial planning makes it achievable.

Several factors influence the final cost. Your choice of surrogacy professional, legal requirements and medical procedures all contribute to your expenses. Gestational surrogacy—where the surrogate carries an embryo created from the intended parents’ or donors’ egg and sperm—is the most common method due to its legal clarity.

Additional expenses such as multiple embryo transfers, specialized treatments, and surrogate travel costs can also affect the total price. Some agencies offer all-inclusive pricing, simplifying budgeting, while others separate fees by service. An experienced surrogacy professional can provide a transparent cost estimate suited to your unique journey.

Surrogacy Cost Breakdown: Understanding the Expenses of Surrogacy

Here’s a percentage breakdown of surrogacy expenses:

• Surrogate Compensation and Benefits (35%): This portion is dedicated to compensating the surrogate for her invaluable role in carrying the pregnancy, recognizing both the physical and emotional investment she makes. It also provides crucial support through benefits such as maternity clothing, reimbursement for lost wages, medical recovery expenses, and other allowances that ensure her well-being throughout the journey.
• Medical Expenses (11%): This covers all medical procedures essential to surrogacy, including fertility treatments, prenatal care, labor, and delivery costs, ensuring a healthy pregnancy for both the surrogate and baby. Additionally, this portion may include specialized screenings, routine ultrasounds, medications to support embryo implantation, and any necessary follow-up care to safeguard a successful outcome.
• Agency Fees (21%): Surrogacy agencies play a crucial role in simplifying what can otherwise be a complex and overwhelming process. They handle essential legal documentation, facilitate seamless coordination with medical professionals, and offer ongoing support to both the surrogate and the intended parents. These fees ensure not only a legally secure process but also a structured and emotionally supportive journey.
• Matching and Screening (27%): Finding the right surrogate is a crucial step in ensuring a smooth and successful surrogacy journey. This portion covers an extensive vetting process, including in-depth background checks, psychological evaluations to assess emotional preparedness, and comprehensive medical screenings to confirm a surrogate’s ability to carry a healthy pregnancy.
• Legal Fees (6%): Legal protection is essential to ensure a smooth and conflict-free surrogacy process. Legal fees cover critical elements such as drafting and reviewing contracts to define responsibilities, securing parental rights through pre-birth or post-birth orders, and handling necessary court filings to establish the intended parents’ legal connection to the child.

Each cost ensures both intended parents and surrogates receive the necessary care, legal protection, and support. Additional expenses may include embryo storage, psychological screenings, maternity clothing allowances, and unforeseen medical costs. Planning with expert guidance helps mitigate surprises along the way.

How Much Does Surrogacy Cost with Insurance in Portsmouth, VA?

Navigating insurance coverage for surrogacy can be challenging. Some intended parents discover that their health insurance covers portions of medical expenses, while others need additional policies. Consulting a surrogacy insurance expert helps clarify options and prevents unexpected costs.

How Much Does a Surrogate Cost in Portsmouth?

Surrogates commit months of their lives to carrying and delivering a baby for another family. Their compensation, typically between $50,000 and $70,000+, reflects the physical and emotional investment they make. This payment helps surrogates support their families, save for future goals, or improve their financial stability.

How Much Does IVF and Surrogacy Cost in Portsmouth, Virginia?

For surrogacy to be possible, IVF and embryo creation must occur first. This is a separate cost from surrogacy, and it requires its own financial planning. Fortunately, financial aid is available to help manage the cost of IVF, just as there are resources for financing surrogacy.

Surrogacy Financing: How to Afford the Cost of Surrogacy

The cost of surrogacy may seem intimidating, but many intended parents successfully fund their journey through a combination of strategies. Here are some options:

• Personal Savings – Personal savings are often the first resource intended parents turn to when financing surrogacy, providing a solid foundation before seeking external funding. Building up a dedicated surrogacy fund over time can help reduce reliance on loans or financial assistance programs, making the journey more manageable.
• Grants and Scholarships – Several organizations provide financial assistance in the form of grants and scholarships, specifically designed to help intended parents manage the costs of surrogacy. These programs vary in eligibility requirements and funding amounts, making it essential to research and apply to multiple opportunities to maximize financial support.
• Employer Benefits – An increasing number of companies are recognizing the importance of fertility and surrogacy benefits, offering financial assistance, paid leave, or reimbursement programs to support employees on this journey. Be sure to check with your HR department to understand what benefits are available to you and how they can help offset the cost of surrogacy.
• Loans – Fertility-specific and personal loans can provide flexible funding options for intended parents, allowing them to cover the high costs of IVF, medical procedures, and surrogate compensation. Many financial institutions and specialty lenders offer surrogacy-specific loan programs with competitive interest rates and tailored repayment plans to make the process more manageable.
• Home Equity Financing – Home equity financing allows homeowners to leverage the value of their property to secure low-interest funding for surrogacy expenses. This option provides access to significant financial resources with potentially lower interest rates than personal loans, making it a practical choice for many intended parents.
• Crowdfunding – Some families turn to fundraising platforms for support, leveraging social networks and community generosity to help cover surrogacy expenses. Crowdfunding campaigns can provide an accessible way to raise funds, allowing friends, family, and even strangers to contribute toward the financial goal of building a family through surrogacy.
• Tax Credits and Deductions – Several states recognize the financial burden of fertility and surrogacy expenses and offer tax relief through deductions or credits, which can significantly reduce out-of-pocket costs for intended parents. To fully benefit from these opportunities, intended parents should carefully research state-specific policies and work with a knowledgeable tax professional who can help identify all available financial incentives and ensure compliance with tax regulations.

Mark and Cody’s Story

Mark and Cody always dreamed of having a child, but like many intended parents, they faced the challenge of affording surrogacy. By utilizing several of the resources mentioned above—including employer benefits, a surrogacy loan, and a grant—they found a way to make their dream a reality.

Through thoughtful financial planning and the guidance of experienced professionals, they successfully welcomed their baby into the world. Their journey shows that surrogacy is within reach for those who take advantage of available financial strategies.

If you follow a similar approach, you too can make your dream of parenthood come true. Learn more about Mark and Cody’s story and how these methods can work for you.

Surrogacy Agencies in Portsmouth: Benefits of Working with Professionals

Choosing a surrogacy agency can streamline the process and reduce stress.

With faster matching, you’ll experience minimal wait times to find the right surrogate, ensuring a quicker path to parenthood. Pre-screened surrogates offer peace of mind, as they undergo thorough medical and legal evaluations before being matched.

Financial security protects you from unexpected costs and disruptions, allowing you to navigate the process with confidence. Comprehensive support, including legal assistance, counseling, and medical coordination, simplifies the journey, ensuring you have expert guidance every step of the way.

A reputable agency offers peace of mind, allowing you to focus on what truly matters—bringing your child home.

IVF Clinics near Portsmouth, Virginia

If you’re considering IVF, these clinics near Portsmouth provide high-quality fertility services:

• Virginia Fertility & IVF (Charlottesville, VA)
• Shady Grove Fertility (Woodbridge, VA)
• Virginia Center for Reproductive Medicine (Reston, VA)

Surrogacy Agencies near Portsmouth, Virginia

Choosing the right surrogacy agency is key to a smooth journey. Here are trusted agencies near Portsmouth:

• American Surrogacy
• Fairfax Surrogacy
• Hope Surrogacy

Get Started with Surrogacy in Portsmouth, Virginia Today

Surrogacy is a powerful, life-changing experience. Though the costs may seem high, careful planning, financial resources, and expert guidance make it possible. The dream of parenthood is within reach, and with the right support, you can build the family you’ve always envisioned. Contact us today to connect with compassionate surrogacy professionals who can help turn your dream into reality.

Speak with a Surrogacy Specialist