Get Started

Intended Parents

The Cost of Surrogacy [with Donor Eggs]

The cost of surrogacy with donor eggs can seem overwhelming, but with the right financing planning, it can be more accessible than many expect.

The total expense can vary greatly depending on several components, including clinic costs, insurance and your surrogacy agency.

If you’re ready to begin your journey, contact us now to learn about egg donation programs and helpful IVF professionals in your area.

Keep reading and we’ll discuss the overall price of surrogacy with donor eggs and methods to finance your surrogacy journey.

What is the Cost of Surrogacy with Donor Eggs?

Typically, surrogacy costs between $150,000 and $179,000+.

Egg donation is a part of the embryo creation process, and is often not included in a surrogacy agency’s costs, but may be a necessary cost on your IVF journey for surrogacy. Here’s what services will likely make up your surrogacy cost:

Surrogacy agencies facilitate your process, and take care of a huge chunk of the technical work so you won’t have to. These fees cover things like coordination, support, matching services and more.

Surrogates undertake a huge responsibility and physical endeavor that could impact their body for years. This expense compensates them and reimburses them for maternity clothes, lost wages and more.

Both you and the surrogate need legal representation, to ensure everyone’s rights are protected. This fee also covers contract drafting.

Some agencies screen prospective surrogates before matching them with families. This helps keep complications from coming up unexpectedly during the surrogacy process.

These fees cover the cost of various procedures needed during this process, such as fertility treatments for the surrogate, the embryo transfer, delivery costs and other medical interventions.

Some costs like travel expenses, lost wages and costs related to pregnancy complications are hard to predict and can change based on your situation. 

Understanding Egg Donor and Surrogate Costs

How Much Do Donor Eggs Cost?

The price of donated eggs can vary widely, ranging from $16,000 to $40,000. Many fertility clinics offer bundled services for egg donation surrogacy, which could help reduce the price of embryo creation and transfer.

The total cost of your egg donations will depend on how many eggs are required, and whether embryo creation is included in these costs. Most agencies and clinics require at least 6 eggs to begin IVF.

The donation, the required amount of eggs, the cost associated and the services provided all vary from clinic to clinic. For an example, you can look through pinnacle fertility’s price structures.

Trouble finding a local egg donor? Learn more here.

How Much Does a Surrogate Cost?

Surrogate compensation ranges from $50,000 and $70,000+ on average. This fee covers

Quality surrogacy agencies prioritize benefits and compensation for surrogates. Surrogates, understandably, want to work with an agency that will have their back.

By prioritizing surrogates, agencies can attract highly qualified, experienced women to work with. This helps agencies be able to offer short wait times, more secure fertility investments, and an overall better quality experience for intended parents.

The Value of Surrogacy with Egg Donations

With all of this discussion around cost, you may be wondering what value your investment in surrogacy can give you.

The primary value surrogacy will provide is the life changing experience of becoming a parent to a child related to you and/or your spouse. However, there are many services surrogacy agencies provide that help you reach that goal smoothly. 

Here are three ways agencies convert your funding into tangible benefits:

Agencies will often conduct some screening before matching surrogates with families. The best agencies go through thorough, in-depth selection processes before allowing a surrogate to match. This helps ensure the surrogate’s commitment, and that her physical, mental, and emotional health are ready to carry a child safely and successfully. 

Some couples spend years looking for a surrogate. When you work with an agency, you won’t have to go through that. Certain agencies have wait times as low as 1-6 months. You could match with a highly qualified surrogate just a few weeks from now.

In the event of a surrogacy disruption, you’ll likely experience some level of emotional turmoil. When working with a full service agency, built in financial protection will ensure many of your funds, so that you can focus on your family in this difficult time instead of worrying about money.

Before making a final decision on who you’ll be working with, it may be wise to compare the implementation of benefits like these. Ask your surrogacy professional about financial protection, pre-match screening, and matching wait times.

Does Insurance Pay for Surrogacy?

Insurance coverage for donor eggs is rare, but some policies do offer partial coverage. Some policies cover different parts of the IVF process. If you’re unsure about your coverage, check your plan’s specific policies or contact your insurance agent.

Insurance may also assist in funding your surrogacy. These insurance providers extend some benefits to surrogates, and may include IVF and egg donation benefits as well:

How to Afford Egg Donation and Surrogacy

The best way to afford these processes is to pool financial resources from several different sources. One couple, Mark and Cody, funded their surrogacy on a combined income of $205,000 per year. Here’s how they did it:

See How one Couple Afforded Surrogacy

Here is a list of several different funding avenues to consider:

  • Grant Funds:

    Funding from surrogacy grants can be extremely useful, if slightly unpredictable. These funds can be a great way to begin building your funds.

  • Personal Savings:

    Many intended parents save for years, little by little, in order to afford surrogacy.

  • Personal Loans:

    These will be available from your local bank or credit union, and are based on your personal credit.

  • 401K Loans or Withdrawals:

    You can borrow and repay funds from you 401K in most cases. While a loan will be direct funding, withdrawal will be taxed.

  • Health Savings Account (HAS):

    Funds within a health savings account can be put towards surrogacy, IVF, and other fertility based programs.

  • Fertility Financing Companies:

    Certain companies are organized specifically to help families fund fertility treatments. Securing a loan from them could mean more favorable repayment options.

    How to Find an Egg Donor for Surrogacy

    For intended parents looking for an egg donor, many options are available. The process of choosing an egg donor can be complex and highly personal.

    One of the best ways for intended parents to begin their search is by familiarizing themselves with options near them. There are plenty of egg banks to choose from, each with dedicated staff to help you make your decision. These data bases could be a great starting point.

    Some of the larger fertility clinics now offer egg donation services. If there are branches near you, these clinics may be a good opportunity to bundle your donation fee with embryo transfer or other services.

    If you prefer not to use a fertility clinic or egg bank, you can always look into working with an egg donation agency. Typically this is a much less manual process. You tell your agency what you want, and they’ll secure donations that match your request.

    Alternatively, you may have a friend or family member that is willing to donate their eggs to you.

    How do I Begin?

    Surrogacy doesn’t operate on any specific timeline – you can start whenever you’re ready. Speaking with professionals could help you fill in the details of your plan.

    Contact us today; we can connect you to the right professionals for your family.

    Start your journey today
    Get Started