Intended Parents

Your Guide to Surrogacy Financial Assistance

Exploring Financing Options

For many families, surrogacy is a beautiful way to build a family, but the costs can feel overwhelming.There are several surrogacy financial assistance resources to help make surrogacy more affordable.

To explore your surrogacy financial assistance options, contact us online now to see how much assistance you qualify for.

Grants, loans, and other creative solutions can help make your dreams of parenthood a reality.

Below, we’ll guide you through the options and help you take the next steps toward your family-building journey.

Are There Surrogacy Financial Assistance Programs?

While financial help for surrogacy is limited, a few organizations offer grants to help make surrogacy costs more manageable:

Available Surrogacy Grants

The Hope for Fertility National Grant: Provides $250-$10,000 and is available to intended parents experiencing infertility.
The Cade Foundation: Provides up to $10,000 for family-building, including surrogacy.
Baby Quest Foundation: Offers $2,000–$16,000 for IVF and surrogacy-related expenses.

Surrogacy Grants for Cancer Survivors

If you’re a cancer survivor pursuing surrogacy, several grants can help ease the financial burden. Below are some options:

The Samfund: Provides grants of up to $4,000 for young adult cancer survivors to cover family-building expenses, including surrogacy.
Fertile Hope (LIVESTRONG Foundation): Offers financial assistance through its Sharing Hope Program for cancer survivors undergoing fertility treatments, including surrogacy. Grant amounts vary based on individual needs.

Eligibility requirements often include demonstrating financial need, infertility diagnosis and a commitment to sharing your story publicly if awarded.

Surrogacy Financing Options

When grants aren’t enough, surrogacy financing options can make the difference in your family-building journey. These companies specialize in loans for fertility and surrogacy costs:

Fertility Financing Companies

CapexMD: Offers flexible loan terms tailored to surrogacy expenses, including medical and legal costs.
BetterMed: Provides up to $350,000 in loans with zero percent interest rates.
LightStream: Loans range from $5,000–$100,000 with no collateral required.
Sunfish: Specializes in financing options up to $100,000 for fertility and surrogacy, offering customized payment plans to fit your budget.

These financing options can be a manageable way to pay for surrogacy over time.

Financial Assistance for Surrogacy for LGBT Couples

While many grants and loans are open to all, some programs cater specifically to LGBT individuals addressing the unique challenges they may face on their family-building journey:

Men Having Babies’ Gay Parenting Assistance Program (GPAP): Offers tiered financial assistance, including substantial grants and free services.
Footsteps for Fertility Foundation: Provides $5,000 each or less depending on the costs. Focuses on helping LGBT families with surrogacy and fertility costs.

Reach out to us now for more details about LGBT surrogacy financial assistance options.

Does Your Employer Offer Financial Help for Surrogacy?

Some employers now offer fertility and surrogacy financial help as part of health benefits. These may include:

Coverage for IVF treatments or embryo transfers.
Reimbursement for surrogacy agency fees or medical expenses.
Flexible spending accounts (FSAs) or health savings accounts (HSAs) for qualified expenses.

How to Approach Your Employer

1
Research your company’s policies or check with HR.
2
Prepare a detailed case outlining the costs and benefits of surrogacy coverage.
3
Highlight that surrogacy benefits support family inclusivity and employee satisfaction.

Other Surrogacy Financing Options

If traditional grants or loans don’t fit, here are some other ways to make surrogacy more affordable:

Crowdfunding
Use platforms like GoFundMe to rally support from friends and family.
401(k) Loans or Withdrawals
Access your retirement savings for surrogacy expenses, understanding potential penalties.
Home Equity Line of Credit (HELOC
Tap into your home’s equity for surrogacy financing.
HSAs or FSAs
Use tax-advantaged savings accounts to offset medical costs.
Clinic Payment Plans
Many fertility clinics offer payment options for services like IVF or embryo storage.

Surrogacy is a significant financial investment, but it’s also a priceless step toward building your family. From grants and loans to employer benefits and other financing options, there are many ways to manage the cost of surrogacy. Every journey is unique, and we’re here to guide you every step of the way.

Ready to explore your surrogacy financing options? Reach out today to speak with a specialist about your options.