Surrogacy By State

Surrogacy Cost in Schaumburg, Illinois: The Complete Guide

Surrogacy is a beautiful way to grow your family while also creating meaningful connections with those who make it possible. It offers the chance to achieve parenthood in a deeply personal and rewarding way, but it’s natural to feel overwhelmed by the financial aspects at first.

If you’re considering surrogacy in Schaumburg, Illinois, you’re likely wondering how much it costs and how to make it manageable. Keep reading to explore a detailed breakdown of surrogacy costs and discover helpful resources. Or, reach out to us today to connect with trusted professionals who can support your journey.

How Much Does Surrogacy Cost in Schaumburg?

On average, surrogacy costs in Schaumburg range from $100,000-$200,000+ or more. This price includes everything from medical procedures to surrogate compensation and legal support. While this figure may seem high, most intended parents find it accessible with the right financial planning and resources, which we discuss below.

Surrogacy Cost Breakdown

Understanding the components of surrogacy costs can help you better prepare for the process. Here’s a percentage-based breakdown:

Illinois Surrogacy
Cost Breakdown

Surrogate.com

Surrogate Compensation: 35-40% of the total cost goes toward compensating the surrogate for her time, effort, and physical commitment to the pregnancy. This covers base pay and additional allowances for various circumstances such as carrying multiples or undergoing invasive procedures.
Medical Costs: 10-20% includes all fertility treatments, embryo transfers, prenatal care, and the delivery process. This ensures the health and safety of the surrogate and the baby throughout the journey.
Agency Fees: 15-30% is allocated to cover the professional services provided by the surrogacy agency, including matching services, case management, and ongoing support.
Legal Expenses: 5-10% goes toward drafting contracts, negotiating terms, and ensuring compliance with Illinois surrogacy laws to protect both intended parents and the surrogate.
Miscellaneous Expenses: 5-10% accounts for costs such as psychological evaluations, background checks, and any necessary travel for medical appointments or other surrogacy-related needs.

Each of these areas plays a vital role in ensuring a smooth and ethical surrogacy experience.

Surrogacy with Insurance

Navigating insurance for surrogacy can be challenging. Some insurance plans offer coverage for fertility treatments, while others may exclude surrogacy-specific costs. Consulting with professionals who understand surrogacy insurance can help you maximize your benefits and avoid unexpected expenses.

Why Surrogate Compensation Matters

Compensating your surrogate fairly isn’t just a legal requirement; it’s a way to recognize the immense physical and emotional commitment she makes throughout the surrogacy journey. Fair compensation acknowledges her sacrifice, including time away from work and the impact on her personal life.

This financial support also helps surrogates care for their families and maintain stability during the process. When surrogates feel valued and supported, it fosters trust and strengthens the relationship between them and the intended parents, laying a foundation for a positive surrogacy experience for everyone involved.

How to Afford Surrogacy: Strategies and Resources

Planning for surrogacy costs may seem daunting, but there are many ways to make it achievable.

For instance, one of the couples we worked with, Mark and Cody, accomplished their surrogacy goals despite the financial costs. By combining personal savings with a grant and a low-interest loan, they were able to welcome their daughter into the world.

Their story shows that with careful planning and the right resources, surrogacy can become a reality. You can read more about how Mark and Cody constructed their financial plan here. Here are some resources you can use in your financial plan:

Personal Savings: Start saving early by setting aside a portion of your income. Consider opening a dedicated savings account specifically for surrogacy-related expenses.
Grants and Scholarships: Explore financial assistance programs designed for intended parents. Grants can significantly reduce overall costs. Some programs also provide mentorship and support.
Employer Benefits: Check with your HR department to see if your company offers fertility or surrogacy benefits. Increasingly, employers are including these perks as part of comprehensive benefits packages, which can help cover some or all of the associated costs.
Loans and Financing: Institutions like Prosper Healthcare Lending and CapexMD specialize in financing options for surrogacy. These companies often offer flexible repayment terms tailored to intended parents’ needs.
Home Equity Financing: Tapping into your home equity through a line of credit or loan can provide access to substantial funds. These options often come with lower interest rates compared to traditional loans, making them a favorable choice for financing surrogacy.

With these resources, you’ll be well on your way to having a story like Mark and Cody.

Benefits of Working with a Surrogacy Agency

Partnering with a surrogacy agency is one of the most effective ways to reduce wait times for matching with a surrogate. Agencies maintain extensive networks and streamlined processes, which significantly speed up the matching process. This can save you months of waiting and ensure your surrogacy journey starts as soon as possible.

Beyond expedited matching, agencies provide comprehensive support throughout the process. They handle complex logistics, including medical appointments, financial arrangements, and legal documentation, ensuring compliance with Illinois surrogacy laws. This holistic approach allows you to focus on the exciting steps toward parenthood, knowing that professionals are managing every detail.

Local Illinois IVF Clinics near Schaumburg

Local Illinois Surrogacy Agencies near Schaumburg

Your Path to Surrogacy

Surrogacy can be life-changing, and with the right support, it’s more accessible than you might think. Contact us today to connect with experienced surrogacy professionals, explore financial resources, and take the next step toward building your family.