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Surrogacy By State

How Much Does Surrogacy Cost in Bloomington, Indiana?

If you’re exploring surrogacy as a way to grow your family in Bloomington, Indiana, you’re likely wondering about the associated costs.

Surrogacy is a significant financial commitment, but understanding the breakdown of expenses can help you better prepare for the journey.

Reach out to us to get personalized help understanding the costs of surrogacy in Bloomington, or read on to get the basics.

How Much Does Surrogacy Cost in Bloomington, Indiana?

The total cost of surrogacy in Bloomington generally ranges $100,000-$200,000+. This range includes various components, such as surrogate compensation, legal fees, medical expenses, and agency fees. It’s important to note that costs can vary based on your specific circumstances, including whether you’re working with a surrogacy agency or pursuing an independent arrangement.

Affording Surrogacy in Bloomington, Indiana

Though the number may seem large, many families find ways to afford surrogacy and find the process worth it to have the family they are dreaming of.

What’s a Realistic Income for Bloomington, Indiana?

There is no minimum income for surrogacy, and families from various economic backgrounds choose surrogacy.

Case Study: How One Couple Afforded Surrogacy

Many families explore financing options to manage surrogacy costs. Common strategies include:

Many intended parents save for years, little by little, in order to afford surrogacy.

If you have any profitable investments like long-term mutual funds, these could take care of much of the costs.

Homeowners can take out a Home Equity Line of Credit (HELOC). This method is often overlooked, but it comes highly recommended by economists.

Many charitable organizations offer grants to intended parents. This can be an impactful supplement to assist your budget.

Some companies offer adoption assistance, which can often be extended to surrogacy. Some companies even offer surrogacy-specific benefits.

There are also loans available for intended parents. Surrogacy professionals may offer a financing plan, or they may work with partner organizations like Sunfish or FutureFamily. Be aware of predatory lending and high interest rates. Consult a surrogacy professional for more information and personalized advice. 

Surrogacy Cost Breakdown in Bloomington, Indiana

The $150,000-$180,000 budget covers several professional services as well as expenses for your surrogate. Here is a list of some of the most common costs in surrogacy:

Surrogacy agencies facilitate your process, and take care of a huge chunk of the technical work so you won’t have to. These fees cover things like coordination, support, matching services and more.

Surrogates undertake a huge responsibility and physical endeavor that could impact their body for years. This expense compensates them and reimburses them for maternity clothes, lost wages and more.

Both you and the surrogate need legal representation, to ensure everyone’s rights are protected. This fee also covers contract drafting.

Some agencies screen prospective surrogates before matching them with families. This helps keep complications from coming up unexpectedly during the surrogacy process.

These fees cover the cost of various procedures needed during this process, such as fertility treatments for the surrogate, the embryo transfer, delivery costs and other medical interventions.

Some costs like travel expenses, lost wages and costs related to pregnancy complications are hard to predict and can change based on your situation. 

 

These costs may vary depending on your situation, but in general you should expect to spend the most for surrogate compensation—the money that will cover your surrogate’s pregnancy expenses and provide compensation for her time and effort.

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

A surrogacy agency can help you learn more about surrogacy costs and what to expect.

Find Your Surrogacy Agency

How Much Does a Surrogate Cost in Bloomington, Indiana?

Because of state laws in Indiana, families who live in Bloomington usually find surrogates outside of the state. Going out of state for a surrogate means that you will likely expect compensation ranges around the national average, which is approximately $50,000-$70,000 or more. You can read more about state laws here.

Because you will need to find a surrogate outside of the state, its best to look for a national agency that can connect you to surrogates in other states. You can find surrogacy agencies who may be able to help at the end of this page.

How Much Does Surrogacy Cost with Insurance in Bloomington, Indiana?

Health insurance policies for surrogates vary widely. Some policies may cover prenatal care but exclude expenses related to surrogacy, such as IVF. In such cases, intended parents might need to purchase a separate surrogacy-friendly insurance plan.

How Much Does IVF and Surrogacy Cost?

The cost of IVF in Bloomington is a significant part of the surrogacy journey. On average, a single IVF cycle costs $12,000 to $15,000, excluding medications, which can add another $3,000 to $5,000.

Depending on the number of cycles required, this can substantially impact the overall cost. This amount is generally not include in cost estimates provided by surrogacy agencies.

Surrogacy Agencies and Fertility Clinics in Bloomington, Indiana

Bloomington has access to several reputable surrogacy agencies and fertility clinics that can guide you through the process:

When Can I Get Started?

You can get started on your surrogacy journey as soon as you’re ready, and a great surrogacy agency can connect you with a surrogate in as little as 1 - 6 months when you have embryos ready.

If you’re ready to take the next step, contact a surrogacy agency or fertility clinic in Bloomington to learn more about your options.

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