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How Much Does Surrogacy Cost in Connecticut?

Cost is a common concern for those looking at how to grow your family and understanding the cost of surrogacy in Connecticut allows you to plan ahead and budget for the necessary services.

Knowing how you’ll pay for surrogacy in Connecticut is one less thing you have to take care of on this life-changing journey.

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Below, we’ll take a look at how much surrogacy costs in Connecticut, what kind of income you have to have for it and how to pay for surrogacy.

How Much Does Surrogacy Cost in Connecticut?

There isn’t a set cost for surrogacy in Connecticut, or anywhere in the U.S., because it can vary widely depending on your circumstances and the professional you choose to work with.

You may find quotes out there ranging all the way from $150,000-$179,000+. Think of your surrogacy cost breakdown as being comprised of two parts, your fixed fees and variable costs. 

Your fixed fees are usually established costs for things such as:

  • Agency and Case Management Fees: These fees cover all of the things that the professional you choose to work with does to help make your surrogacy journey possible. From marketing and advertising to surrogate and intended parent screening and more, these fees ensure a smooth and straightforward experience.
  • Gestational Carrier Fees: For helping makes your dreams of parenthood a reality, surrogates are compensated. This compensation includes base pay, escrow services, reimbursement for any lose wages, out of pocket expenses and more.
  • Medical and Legal Fees: You will be responsible for all pregnancy-related expenses from a medical and legal standpoint. This can include your surrogate’s insurance coverage, their medical screening, legal representation, any administrative legal duties your agency may help you complete and more.

Variable costs that impact affording surrogacy can include:

  • IVF Fees: In-vitro fertilization (IVF) costs can vary depending on a number of factors, from your insurance coverage to the fertility clinic itself and their practices and fee structures.
  • Intended Parent Travel: Depending on how often you travel to see your surrogate outside of the actual hospital stay, you will need to budget for however many times you make the trek.
  • Surrogate Breast Milk: If agreed upon by both parties, this incurs additional cost.

Here’s an example of what the breakdown of surrogacy costs could look like:

ServiceCost
Agency Fees21%
Surrogate Compensation35%
Screening and Matching21%
Legal Costs11%
Medical Costs12%

What Is a Realistic Income for Surrogacy?

Contrary to popular belief, surrogacy is not an option for just the wealthy.

Taking the time to learn about the cost of surrogacy not only allows you to prepare for those costs before you start the process, but also allows you to look into surrogacy financing if needed.

Intended parents of all different lifestyles pursue surrogacy for their own reasons.

Take the example of Mark and Cody. With a combined income of $205,000 per year, their total surrogacy cost came to $236,150. They were able to afford surrogacy through a combination of their own savings, work benefits, grants, loans and lines of credit.

View Case StudyView Case Study

What Value Do You Get for the Costs of Surrogacy?

With the various costs and services offered by surrogacy agencies, you may be wondering what it means in terms of your ultimate goal of becoming a parent.

Your investment directly impacts the entire process but in terms of specific ways that a surrogacy agency can help you achieve your goal of parenthood:

If the cost of surrogacy in Connecticut is a concern for you, make sure to ask any agency you are working with about their wait times, screening standards and financial protection and how their services will benefit your goal of becoming a parent.

How Much Does Surrogacy Cost with Insurance in Connecticut?

Surrogacy cost with insurance is dependent on state laws and your insurance provider.

In 2023, Connecticut passed a bill that widened the requirements for individual and group health insurance policies to cover services that diagnose and treat infertility.

Coverage is now provided for:

  • Medical procedures, medications and services that provide information and counseling about a person’s fertility.

  • Fertility treatments intended to achieve pregnancy.

  • Cryopreservation services that help preserve fertility for a person who has a medical or genetic condition or who is expected to undergo treatment that may risk fertility impairment.

    This coverage includes:

    Be aware that non-pregnancy related expenses aren’t usually covered by health insurance policies. Contact your employer and insurance provider to clarify what is or is not covered to help determine your cost of surrogacy with insurance in Connecticut.

    How Much Does a Surrogate Cost in Connecticut

    Similar to the overall cost of surrogacy in Connecticut, there isn’t a set compensation range for the cost of a surrogate.

    Surrogates can make anywhere from $50,000-$80,000 in base pay. Your surrogate’s overall pay will be dependent on their:

    How Much Does IVF and Surrogacy Cost?

    IVF is part of surrogacy, responsible for creating the embryos that your surrogate will carry.

    Based on the average price of looking at three fertility clinics in Connecticut, you can expect to pay around $15,000 for IVF while the average cost of surrogacy is anywhere from $150,000-$179,000+ depending on the circumstances of your situation.

    But ultimately, the cost of IVF and surrogacy depends on who you work with for this journey, what kind of insurance you have and what that insurance covers.

    Surrogacy Financing

    Cost is a common concern for those looking to grow their family. If you are looking into surrogacy as a way to grow your family, you may be wondering how to pay for surrogacy.

    When it comes to affording surrogacy, there are a number of avenues you can take to help make it a reality for you 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 Connecticut

    The professionals you work with directly impact not only cost, but your overall experience, from getting the support you deserve to helping making your dreams of parenthood come to life.

    If surrogacy is right for your circumstances, here are a few surrogacy agencies in Connecticut:

    Fertility Clinics in Connecticut

    Another professional that will be needed for your journey is a fertility clinic. They’ll perform everything on the medical side of things, from the IVF procedures to the embryo transfers.

    Get the Support You Deserve

    No matter how long you’ve been waiting to experience what it’s like to be a parent is too long.

    Surrogacy can give you the opportunity to become a parent if your circumstances won’t allow you to carry a pregnancy safely yourself.

    Get the Support You Deserve

    Male and Female couple smiling with surrogate mother
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