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Surrogacy By State

How Much Does Surrogacy Cost in Colorado?

Finances are a common concern for those that are looking to grow their family.

Learning about the cost of surrogacy in Colorado and what makes up that cost allows you to plan how to afford it. Having your finances in line allows you to focus on other important aspects of the family-building process.  

If you are in the process of learning more about utilizing assisted reproductive technology (ART) to add to your family, we’re here for you. Fill out our online contact form to learn more about the process to become a parent through surrogacy.

This article will take a look at everything to do with surrogacy and its cost in Colorado, from how much surrogates are paid to what other costs you will be required to pay to how you can finance this journey.

How Much Does Surrogacy Cost in Colorado?

There is no specific surrogacy cost in Colorado, or any other state, for that matter.

On average, you can find surrogacy costs ranging from $150,000-$200,000+ depending on the agency you work with and the services they offer.

It can be difficult to budget for the process with the wide range, but once you see the services required to make the process go smoothly it makes sense why there’s such ambiguity.

Here’s a surrogacy cost breakdown of factors that play in to that $150,000-$179,000+ price range:

Fixed Costs

This is comprised of all the things that the professional you choose to work with does to help you become a parent. Examples include marketing and advertising, surrogate and intended parent screening, contact mediation and more.

Gestational carriers are compensated for helping to make your dreams of becoming a parent come true. In addition to base pay, these fees can also include escrow services, reimbursement for any lose wages or out of pocket expenses and more.

From your surrogate’s insurance coverage to their medical screening, you’ll be responsible for any medical fees. Legally, both sides require legal representation to protect the rights of everyone involved. Legal fees could include any of your surrogate’s legal fees or the administrative legal duties your agency may help you complete.

Variable Costs

  • IVF Fees: In-vitro fertilization (IVF) costs can vary depending on the fertility clinic, from medications to their practices and timelines, as well as insurance coverage.
  • Intended Parent Travel: You can travel to be with your surrogate during their medical appointments, but this is typically an out-of-pocket expense.
  • Surrogate Breast Milk: If agreed upon by both parties, this incurs additional cost.

Example Breakdown of Surrogacy Costs in Colorado

The choices you make and the professional you partner with will ultimately determine your overall cost of surrogacy. Professionals have different programs, services and costs for them both.

Here’s a great look at an example of how your investment could be allocated:

Colorado Surrogacy
Cost Breakdown

Surrogacy Cost Breakdown in Colorado
Surrogate.com

What Is a Realistic Income for Surrogacy?

When it comes to affording surrogacy, there isn’t necessarily a “realistic” income.

With the average surrogacy cost discussed earlier in this article, you may think it’s only possible for wealthy individuals or couples but that’s not the case at all.

That’s because when it comes to how to pay for surrogacy, there are different avenues available that can help make it a reality. As long as you have consistent income, a budget to keep track of the surrogacy cost and the ability to stick to that budget, then surrogacy can help grow your family.

If you don’t believe us, check out our story of Mark and Cody for yourself and how their savings, work benefits, HELOC, grants and loans helped make surrogacy, and becoming parents, a reality.

View Case StudyView Case Study

What Value Do You Get for the Costs of Surrogacy?

That table that shows where your investment can go is a great example of how it’s divided up.

In terms of what it means for your journey, it’s about helping make your dreams of parenthood come to life.

Your return on investment means:

If you are unsure of the benefits of the professional you are considering, talk to them about your questions and concerns to learn more about the services they offer to help make parenthood a possibility for you.

How Much Does a Surrogate Cost in Colorado?

Surrogate pay is determined by their location, experience and income.

Depending on their level of experience, a surrogate can cost $50,000-$70,000+ in Colorado. But that just covers base compensation for their selfless decision to help you grow your family.

In states with a higher cost of living, compensation for your surrogate may be on the upper end of that range.

Additional costs can include medical reimbursements, lost wages and more. The cost of using a surrogate is much more than just base compensation which is why there isn’t a specific number when it comes to surrogate cost.

Learn more about how to find the perfect surrogate

How Much Does Surrogacy Cost with Insurance in Colorado?

The answer to this question depends on the insurance provider and state laws.

In 2023, the Colorado Building Families Act went into effect.

For those with large group insurance controlled by the state; three completed egg retrievals, unlimited embryo transfers, fertility preservation for cancer patients or fertility preservation for those at risk of medically-induced infertility is covered.

Other non-pregnancy related expenses are typically not covered by health insurance policies so be sure to clarify with your employer and insurance provider about what is or is not covered to help determine your cost of surrogacy with insurance in Colorado.

How Much Does IVF and Surrogacy Cost?

The cost of IVF and surrogacy in Colorado depends on who you work with, but on average, a singular IVF cycle can cost around $24,000.

When it comes to the surrogacy cost breakdown, IVF for surrogacy doesn’t cost more or less than standard IVF. 

In gestational surrogacy, IVF is used to create the embryos that are transferred to your surrogate.

How to Pay for Surrogacy [Surrogacy Financing]

When it comes to surrogacy cost, you may be wondering how you to pay for everything.

Surrogacy financing could come in many different forms such as:

There are family-building professionals and even traditional businesses like banks that offer loans for fertility treatments and surrogacy.

Surrogacy can be costly and there are organizations that offer grants for those looking to grow their family but are dealing with infertility issues.

From traditional avenues like staging events to raise money or newer avenues online like GoFundMe or Kickstarter, you can raise funds for the cost of surrogacy.

Personal savings provides you with financial security and flexibility for exorbitant or unexpected costs. Some families save for years before growing their family.

A Home Equity Line of Credit (HELOC) is a common source of funding for surrogacy. You only pay it back when you start using it and the limits for a HELOC are typically much higher than credit cards.

If you are looking into growing your family, talk to your employer. Some employers provide fertility benefits that may alleviate some of the cost.

Surrogacy Agencies in Colorado

An agency can provide you with the services and resources needed to help grow your family through surrogacy.

The professional you work with plays a direct impact in how long you will wait to experience parenthood, from their costs to screening services to how long you have to wait to be matched with a surrogate.

If surrogacy could be right for your situation, here are some professionals located in Colorado:

Fertility Clinics in Colorado

A fertility clinic is another professional needed for this form of ART, playing a crucial role in medical steps of IVF.

Here are a few clinics located in-state:

You could be just starting your journey to becoming a parent or a few years in. No matter how long it’s been, you can contact us today to get up to date cost estimates to help you prepare for the journey ahead financially.

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