How Much Does Surrogacy Cost in Indiana?

Understanding the cost of surrogacy in Indiana can be difficult. State laws make surrogacy within the state legally unenforceable and incredibly risky.

However, intended parents should know that surrogacy is still a legal and safe way to grow your family in Indiana. Affording surrogacy can also be accessible to you with the help of a few different resources.

Understanding all the fees and expenses that come with this process will make crafting a financial plan for surrogacy much simpler. When you’re ready to start your surrogacy journey, reach out to us.

How Much Does Surrogacy Cost in Indiana?

Costs of surrogacy in Indiana are difficult to estimate. We tentatively predict Indiana families spending $150,000-179,000, sometimes more, on surrogacy.

Because of the nature of Indiana state laws surrounding surrogacy, intended parents are often advised to pursue surrogacy through a different state. Indiana specifically states any surrogacy contract drawn up under its state law is void and unenforceable. You can read about this in more detail here.

Indiana families may want to find a national surrogacy agency with a local office. This will enable you to look for a surrogate in a state where contracts are enforced, while having the support of working with a local team.  Once you find the state your surrogate lives in, you’ll want to look into the costs of surrogacy there.

Before we move on, here’s a quick breakdown of what you’re paying for with surrogacy, and why it’s important. 

 

An Example Surrogacy Cost Breakdown in Indiana

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 to work with professionals who share your goals. When you’re ready to begin, we can help you connect to professionals who align with your values, share your priorities and can provide personalized support. Learn more about how to move towards your surrogacy goals today.

What’s a Realistic Income for Indiana?

Some opinions online suggest that surrogacy is only for the wealthy. This is not the case. Though surrogacy is expensive, it’s also fairly attainable, and intended parents have access to a collection of resources to help raise funds for the process.

What Do You Get from Paying for Surrogacy?

Agency fees, matching fees, screening fees — you may be asking, what does that all mean?

When it comes to the value of your investment in surrogacy, there are three primary ways an agency can impact your journey:

• Matching Quickly: Instead of waiting years to find the right surrogate, with agencies you’ll likely begin in a few months. Agencies maintain strong connections with qualified surrogates around the country. Letting intended parents engage with surrogacy on their own timeline is one of the most valuable services agencies can provide.
• Thorough Screening: Many unfortunate families have spent far too much of their funding prepping a surrogate who ended up failing her medical screening. By pre-screening potential surrogates thoroughly, agencies try their best to protect your finances and the health of your embryos.
• Financial Security: Setbacks are always possible. In the wake of a disrupted surrogacy, you’ll want to be working with an upstanding agency. While some agencies take measures to protect you funding, enabling you to try again when you’re ready, some predatory firms take this vulnerable moment to upcharge intended parents.

When considering the cost of surrogacy in Indiana, make sure to ask any agency you are working with about their wait times, screening standards and financial protection.

Understanding the Cost of Surrogacy in Indiana

Surrogacy costs are made up of several smaller fees. Understanding these different fees can help you more completely understand the surrogacy process.

How Much Does Surrogacy Cost with Insurance in Indiana?

 Insurance policies can sometimes cover some costs related to surrogacy. Some policies specify different medical coverages given to surrogates during their pregnancy. Other policies may even help with additional expenses. For example, some might pay a portion of the surrogate’s compensation.

How Much Does a Surrogate Cost in Indiana?

Indianan surrogate compensation contracts are unenforceable, so any agreement made with a surrogate who resides in Indiana is void. As discussed, intended parents are encouraged to look for surrogates out-of-state.

The average rates for surrogate compensation nationally hover between $50,000 and $70,000+. Your surrogate’s compensation will depend on cost of living in her area, her experience, and her relationship with the agency.  This compensation is divided into base pay, and reimbursement for additional expenses, such as:

• Medical bills
• Maternity clothes
• Lost wages
• And other expenditures

How Much Does IVF and Surrogacy Cost?

The average cost of IVF in Indiana ranges from $12,000 to $15,000.

For those with surrogates out of state, know that fertility clinics have the capacity to transport embryos safely. Depending on the clinic’s transportation costs, you may consider conducting the embryo creation at a clinic closer to your surrogate.

You might notice your surrogacy agency’s price estimate doesn’t include a projection for the costs of IVF. Though many estimates leave IVF out of their total, you should still consider the costs and budget accordingly.

Affording Surrogacy in Indiana

Surrogacy is expensive, but it’s still attainable, especially when prospective families take their time, use their resources, and plan carefully. Here are some of the resources intended parents use to keep their costs low.

How to Pay for Surrogacy

There are several methods available to help Indiana families pay for surrogacy.

Surrogacy Agencies in Indiana

Surrogacy agencies are professional organizations that aim to take some of the burden of surrogacy off of you, so you can focus on building your family. This might mean taking care of legal concerns, setting up medical appointments or purchasing additional insurance.  If you’re looking for an agency in Indiana, here’s a few we recommend:

• American Surrogacy (Indianapolis)
• The Stork’s Nest (Indianapolis)
• Reproductive Possibilities

Fertility Clinics in Indiana

Fertility clinics are central in surrogacy journeys. Working with attentive and caring professionals can make all the difference for your growing family. If you’re looking for fertility clinics in Indiana, here are a few we recommend:

• Indiana Fertility Institute (Carmel)
• Midwest Fertility (Indianapolis, Fort Wayne, and Carmel)
• Family Beginnings – IVF Indiana (Indianapolis)

When Can I Get Started?

With surrogacy, you’re in control of your timeline; whether you want to take a bit longer to plan and save, or you’re ready and want to begin the process now, you don’t have to wait any longer if you don’t want to.

No matter what point you’re at in your journey, we’re here to help. We can connect you with experts who cater their services to your specific situation. Whether you want to find a surrogate today, or want to discuss how to construct a financial plan for surrogacy, professional surrogacy experts are standing by to help.