How Much Does Surrogacy Cost in Hartford, Connecticut?

When considering surrogacy in Hartford, Connecticut, understanding the financial aspects is crucial. Surrogacy costs can vary widely, depending on factors such as the professionals you work with, medical procedures, and the surrogate’s compensation.

Below is a comprehensive guide to surrogacy costs and how you can plan to afford this life-changing journey.

Average Cost of Surrogacy in Hartford

Surrogacy costs in Hartford typically range from $100,000-$200,000+. These expenses are outlined here:

• Agency and Case Management Fees: Cover services such as surrogate matching, intended parent screening, and case management to ensure a smooth process.
• Gestational Carrier Compensation: Surrogates in Hartford receive compensation ranging from $50,000 to $80,000, which includes base pay, maternity clothing allowances, lost wages, and other reimbursements.
• Medical and Legal Fees: These include your surrogate’s medical screenings, legal representation, and pregnancy-related medical expenses.
• IVF Fees: IVF costs average $15,000 per cycle in Connecticut, depending on the fertility clinic and your insurance coverage.
• Travel Expenses: If your surrogate lives outside Hartford, you may incur travel costs for appointments and visits.
• Additional Services: Surrogate breast milk or extended post-delivery care, if agreed upon, adds to the overall cost.

Surrogacy Cost Breakdown

Below is a general breakdown of how surrogacy funds are allocated:

Surrogacy Cost with Insurance in Connecticut

Connecticut’s expanded infertility coverage laws provide benefits for IVF and related fertility treatments. Key points to consider include:

• Coverage includes up to two IVF cycles with specific limits on embryo transfers, such as a maximum of two embryos per transfer to ensure safety and compliance with medical guidelines.
• Non-pregnancy-related expenses, such as surrogate compensation, are not covered.

Contact your employer or insurance provider to clarify coverage details.

Affording Surrogacy in Hartford

Surrogacy is a significant financial commitment, but there are several strategies to make the costs more manageable. Here are a few examples:

1. Personal Savings: Many families save for years to afford surrogacy, often by setting aside a portion of their income specifically for family-building goals. Surrogacy agency  financial advisors can also assist in creating a tailored savings plan to reach this milestone faster.
2. Loans: Fertility-specific loans or personal loans can help bridge the financial gap. Some organizations specialize in providing low-interest loans for family-building purposes, making this option accessible for many intended parents.
3. Grants: Organizations offer grants to families dealing with infertility. Examples include non-profits dedicated to supporting intended parents, often with clear application guidelines and deadlines to help families secure funding.
4. Work Benefits: Check if your employer provides fertility benefits. Increasingly, companies are including surrogacy and fertility treatment benefits in their healthcare plans, reducing out-of-pocket expenses.
5. Home Equity: A Home Equity Line of Credit (HELOC) is another common funding source. By leveraging the value of your home, you can access a flexible line of credit with potentially lower interest rates compared to traditional loans.

Choosing the Right Professionals

Working with experienced professionals can impact both the cost and overall experience. In Hartford, consider agencies like:

• American Surrogacy
• ConceiveAbilities

For fertility clinics, trusted options include:

• Illume Fertility (Stamford and Trumbull locations)
• Yale Medicine

Begin Your Surrogacy Journey in Hartford

Surrogacy can offer hope and possibilities for intended parents in Hartford. Take the first step today by connecting with trusted professionals today. By understanding the costs and exploring your financial options, you can make informed decisions and embark on this rewarding path with confident.

Speak with a specialist today!