How Much Does Surrogacy Cost in Arizona?

Due to state laws, understanding the cost of surrogacy in Arizona can be difficult.

However, you should know that parents in Arizona can still legally pursue surrogacy, and that the finances of surrogacy can be attainable for your family.

Learning about how to afford surrogacy could be the first step in a life-changing process for your family. Once you’re prepared, reach out to us for help taking your next steps.

How Much Does Surrogacy Cost in Arizona?

The average cost of surrogacy is $150,000 to $179,000+.

Because surrogacy contracts in Arizona are illegal, intended parents searching for a surrogate in Arizona are often advised to look out-of-state. This means that the overall cost of surrogacy can depend on average surrogate compensation in your surrogate’s home state.

Working with a surrogacy agency with a nation-wide reach is one of the best ways to legally pursue surrogacy for families in Arizona. Your choice of agency will have a large impact on your overall costs.

An Example Surrogacy Cost Breakdown in Arizona

Your choice of agency will have a large impact on your overall costs. Different surrogacy professionals break down their fees differently. Here’s an example break down of the fee structure a surrogacy agency may present:

You deserve the best surrogacy program for your specific needs. If you would like help finding a surrogacy professional that can adapt to you, reach out to us.

What’s a Realistic Income for Surrogacy?

Some online information seems to suggest that surrogacy is only available for wealthy families; however, this is a misconception.

Intended parents pursuing surrogacy come from a variety of financial backgrounds. Many with a steady income and the ability to budget effectively find surrogacy an accessible option for growing their family.

What Value Do You Get for the Costs of Surrogacy?

Agency fees, matching fees, screening fees — you may feel that these provide no actual benefit to your growing family. However, these expenses directly impact you. Here are three ways an agency can subtly improve your surrogacy experience:

• Matching Quickly: Some agencies are able to match intended parents with potential surrogates within a month. The freedom of choice and personal agency this control gives intended parents can be extremely fulfilling, especially for those who have struggled in their past efforts to build a family.
• Thorough Screening:  Surrogacy is a hard job, and not everyone who wants to be a surrogate can be. By screening potential surrogates before matching them with intended parents, agencies can help your family avoid failed gestation or surrogacy interruptions.  Our partner agency American Surrogacy only approves around 2% of the surrogates who apply.
• Financial Security: The best agencies take measures to ensure your financial assets are protected throughout this process. Agencies often help absorb unexpected expenses that could come up during the process, like the cost of an extra insurance policy.

Finding an agency who will provide these benefits could have a very positive impact on your surrogacy experience overall.

Understanding the Cost of Surrogacy in Arizona

The expenses that make up surrogacy costs in Arizona can be hard to clearly understand. Let’s discuss some common costs, and why they’re important.

How Much Does Surrogacy Cost with Insurance in Arizona?

Insurance coverage can be a complex topic when it comes to surrogacy.

Arizona-based insurance providers likely will not offer policies with inclusions for surrogacy because of the state laws. If you have insurance through a national provider, your plan may or may not be tailored to your local laws.

Even outside of Arizona, very few policies cover things like agency fees or surrogacy compensation, but some policies do cover medical costs for your surrogate. Some policies don’t mention surrogacy at all, which presents its own set of challenges.

Insurance is one of the areas where working with a surrogacy agency is extremely beneficial. The best agencies will purchase insurance to fill the gaps in your existing coverage at no extra cost to you.

How Much Does a Surrogate Cost in Arizona?

In Arizona, surrogate compensation contracts are illegal, so any agreement made with a surrogate who resides in Arizona is not enforceable. Consequently, intended parents are encouraged to look for surrogates out-of-state.

The national average for surrogate compensation ranges from $50,000 to $70,000.  Your surrogate’s compensation will depend on cost of living in her area and her experience. 

Surrogacy is a big commitment, and compensation reflects that; most often, surrogacy compensation is the largest single expense within your budget.

This compensation is divided into base pay, and reimbursement for additional expenses, such as:

• Medical bills
• Maternity clothes
• Lost wages
• And more

How Much Does IVF and Surrogacy Cost?

IVF costs in Arizona can range from $10,000 to $15,000.  Completing IVF before you begin your surrogacy process tends to shorten your wait time significantly, and some of the costs of IVF may be covered by your insurance plan.

Fertility clinics have the capacity to transport your embryo safely, so you can create your embryo in Arizona even if your surrogate is out of state.

Depending on the clinic, there may be different costs associated with transport. You should consider discussing this with the professionals at a clinic before committing to working with them.

You may notice some surrogacy professionals don’t account for IVF in their cost estimates. When budgeting for surrogacy, it’s important to consider potential costs and medical procedures your professionals may not mention.

Affording Surrogacy in Arizona

Though surrogacy is an expensive process, there are many strategies that can help make the process attainable for prospective parents at most income levels.

How to Pay for Surrogacy

Options for surrogacy assistance include:

Surrogacy Agencies in Arizona

Even though agencies won’t be able to work with surrogates inside Arizona, some still operate in Arizona to help connect local families to out-of-state surrogates.

Your choice of surrogacy professional will affect your surrogate process. For example, agencies screen prospective surrogates before matching with families, avoiding potential issues before they arise. Agencies also offer financial protection, professional legal support and more. If you want to work with an agency near you, here are a few options:

• American Surrogacy (Scottsdale)
• Surrogacy Mentor (Mesa)
• Family Tree Surrogacy Center (Phoenix)

Fertility Clinics in Arizona

Fertility clinics provide essential support during the surrogacy process, like gamete donation, embryo creation and IVF. Finding a good clinic can make all the difference in your journey. Here are a few clinics you can consider:

• Arizona Reproductive Medicine Specialists (Phoenix, Gilbert)
• Center for Reproductive Endocrinology and Infertility (Tuscan)
• Arizona Associates for Reproductive Health (Scottsdale, Gilbert, Glendale)

When Can I Get Started?

You don’t have to wait to start your surrogacy journey. By connecting with a specialist today, you can set yourself up for success.