How Much Does Surrogacy Cost in Sacramento, California?

Surrogacy is a transformative and rewarding journey, offering intended parents a path to build the family they’ve always dreamed of.

While the process can feel overwhelming, particularly when it comes to finances, knowing what to expect can make it more manageable. In this guide, we’ll break down the cost of surrogacy in Sacramento, discuss how insurance can affect your expenses and explore financing options.

If you have questions about preparing for your journey, we can help you connect with a reputable surrogacy agency. Fill out our form to get started.

Surrogacy Cost Breakdown in Sacramento

The cost of surrogacy in Sacramento typically ranges from $100,000-$200,000+, depending on the agency, legal fees, medical expenses and surrogate compensation. Below is a general breakdown of the costs:

• Agency Fees: $25,000 to $50,000
• Legal Fees: $10,000 to $15,000
• Surrogate Compensation: $60,000 to $90,000 (or higher depending on experience and circumstances)
• Medical and IVF Expenses: $30,000 to $50,000
• Miscellaneous Costs: $5,000 to $10,000 (e.g., travel, contingency funds, etc.)

Each surrogacy journey is unique, and these costs can vary. A surrogacy professional can provide you with a personalized estimate and advice on what’s a realistic income for surrogacy.

How Much Does a Surrogate Cost in Sacramento?

Surrogate compensation is often the largest single expense in the surrogacy process. It not only covers the surrogate’s time and commitment but also maternity clothing, lost wages and other pregnancy-related expenses.

In Sacramento, surrogate compensation ranges from $60,000 to $90,000 or more. The exact total will depend on the surrogate’s experience and any special requests you may have during the pregnancy. Given Sacramento’s cost of living, surrogates in this area may command higher compensation compared to other regions.

How Much Does IVF and Surrogacy Cost?

You will need to create embryos for surrogacy. For many intended parents, this means going through an in vitro fertilization cycle: egg retrieval, fertilization, embryo freezing and embryo transfer to the surrogate.

You will also need to cover pregnancy-related medical care for the surrogate. In total, you will likely need to pay $30,000 to $50,000 for IVF and surrogacy medical care.

How Much Does Surrogacy Cost With Insurance?

In Sacramento, many health insurance policies either exclude surrogacy or provide limited coverage for surrogate-related medical expenses. However, certain treatments or procedures may be covered.

Here’s what to consider:

• Surrogate’s Health Insurance: Some surrogates have existing policies that partially cover pregnancy-related costs. However, many intended parents purchase supplemental policies to ensure comprehensive coverage.
• Intended Parents’ Insurance: This can sometimes cover embryo creation and IVF procedures.

Partnering with a surrogacy professional who understands insurance is crucial. They can help you navigate policy exclusions and ensure there are no gaps in coverage.

Surrogacy Financing Options in Sacramento

Affording surrogacy may seem overwhelming, but there are several financing options to explore. Here’s how to pay for surrogacy:

• Savings: Many intended parents save for years to fund their surrogacy journey. You can start a dedicated savings account and put away money each month to meet your goal.
• Loans: Some organizations offer surrogacy-specific loans. You can also see if your surrogacy agency has flexible payment plans.
• Grants: Some nonprofits offer financial assistance to families pursuing surrogacy. It’s important to research your options so you know when to apply.
• Employer Benefits: Check if your company offers adoption or surrogacy assistance as part of their employee benefits package. More and more businesses are considering alternative forms of family-building.

Why Sacramento Is an Excellent Choice for Surrogacy

Sacramento offers a supportive environment for surrogacy, with reputable agencies, top-tier fertility clinics and a community of experienced surrogates. Local agencies like American Surrogacy, Fairfax Surrogacy and Northwest Surrogacy Center are well-equipped to guide you through the process.

By understanding the costs of surrogacy and working with experienced professionals, you can take confident steps toward building your family. For more information, fill out our free online form.