How Much Does Surrogacy Cost in Kentucky?

Surrogacy can be an incredibly fulfilling way to expand your family. However, some prospective parents believe they would never be able to afford the cost of surrogacy in Kentucky.

This is a misconception; though surrogacy is expensive, there are options to that can help you afford the process.

 In this article, we’ll break down the costs of surrogacy and give you the resources you need to construct a surrogacy financing plan.

Don’t let concerns about cost keep you from the family you’ve always hoped for. When you’re ready for the next step, contact us to find the right surrogacy professionals for you.

How Much Does Surrogacy Cost in Kentucky?

The cost of surrogacy in Kentucky is typically between $150,000 and $179,000+. These prices may confuse or even frighten some intended parents.

It’s normal to be intimidated at first glance. However, you should know that surrogacy can be very accessible, and there are resources to help ease the financial burden.

When trying to understand these costs, it can help to learn about the different types of fees and how they help the surrogacy process:

The decision with the most impact on your overall cost will be which surrogacy professional you choose to work with.  Some professionals’ fees can push the total cost well past this estimate.

On the other hand, some professionals cut corners, take unwise risks and hide fees to keep their public-facing cost estimates low – even if the actual cost to their customers is much higher.

An Example Surrogacy Cost Breakdown in Kentucky

Different professionals have different ways of approaching the surrogacy process. They may adjust how your funds are distributed based on their experience, your specific needs, or different factors in your local area.

We’ve put together an example of how a hypothetical agency might use your funds, so you can better understand the process.

Along with finding an experienced provider with plenty of knowledgeable staff, it helps to work with an agency that shares your values. Having a professional working with you who will value your feedback and respect your opinions may prove invaluable to your surrogacy journey.  Contact us for help connecting to a likeminded professional.

What’s a Realistic Income for Surrogacy?

There is no minimum income required to choose surrogacy. Anyone with the funds to pay for the process can grow their family through surrogacy.

Intended parents who grow their family through surrogacy come from all kinds of economic backgrounds. The truth is, funding a surrogacy journey is hard but attainable.

Between careful budget planning, fundraising, and using their resources creatively, most families find that they can afford surrogacy.

What Value Do You Get for the Costs of Surrogacy?

There are several different factors that contribute to the cost of surrogacy which may have you wondering what it means for your journey.

In terms of your investment for this life-changing opportunity, the main benefits of working with a reputable agency include:

• Matching Quickly: One of the most important things that your agency will help you do is to find a surrogate quickly. Wait times are the difference between starting life with your new family and waiting longer to experience what that’s like. Some agencies are able to find you a match within months while others take years.
• Thorough Screening: Becoming a surrogate requires screenings to ensure that they can safely carry a pregnancy. Reputable agencies have their own requirements in addition to thorough screenings to help decrease the chance of issues later on in the process. An unqualified surrogate could lead to additional time and money to find a qualified one.
• Financial Security: Reputable agencies will offer financial protection for any issues that can arise during the process, ensuring your investment is protected.

If you are concerned about the cost of surrogacy in Kentucky, talk to an agencies you are considering about how their services impact your timeline to becoming a parent.

Understanding the Cost of Surrogacy in Kentucky

The overall cost of surrogacy can be broken down into smaller fees and expenses. This can help us analyze and better understand the process.

How Much Does Surrogacy Cost with Insurance in Kentucky?

In the surrogacy process, you’ll most likely need to purchase additional health insurance. Insurance policies often don’t mention surrogacy at all, or even specifically exclude surrogacy costs.

Some cover the medical expenses of your surrogate or even part of the surrogate’s compensation, but policies that do this are rare.

If neither you nor your surrogate has coverage for surrogacy, you’ll need to obtain additional coverage. This expense doesn’t have to come out-of-pocket; the best surrogacy agencies will often purchase these policies at no additional cost to you or your surrogate.

How Much Does a Surrogate Cost in Kentucky?

Surrogate compensation averages $50,000-$70,000+ depending on the average income in your state, any prior experience and the professional you work with.

This fee will compensate your surrogate for her time, attentiveness and the physical toll pregnancy takes on the body. For many, this payment can be a life-changing moment. This enables surrogates to reach all kinds of financial goals, like paying off student loans or making a down payment on a house.

The compensation also helps provide essential materials to ensure a healthy pregnancy. For example, this might mean maternity clothes, unexpected medical costs, lost wages or other helpful expenses.

How Much Does IVF and Surrogacy Cost?

In Kentucky, IVF ranges from $13,000 to $30,000 per round. Some of the cost of IVF may be covered by your insurance, or by fertility benefits from your employer. There are also some assistance programs to help families afford IVF.

You may notice your surrogacy agency does not include the costs of IVF in their price estimates. Be aware of this when making a financial plan for surrogacy.

It’s generally best to complete IVF before beginning your surrogacy. This will help expedite the entire process, and give you a clear view of your surrogacy options before making any decisions.

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Affording Surrogacy in Kentucky

The cost of surrogacy can seem unattainable for some families, yet this is often not the case. Through careful planning, disciplined budgeting, and the use of financial resources, many families find surrogacy is a viable option for them.

Let’s examine some of the resources families pursuing surrogacy can consider.

How to Pay for Surrogacy

Surrogacy financing can be tricky, and not all the options here will be available to every family. Remember, nothing is keeping you from using several of these resources at the same time. This could significantly decrease the costs of surrogacy.

Surrogacy Agencies in Kentucky

Surrogacy agencies can make the entire process much simpler for everyone involved. On top of counseling and professional support, they provide vital legal help and fill insurance gaps. If you’re looking for an agency in or near Kentucky, here are a few to consider:

• American Surrogacy
• Fertility Source (Louisville)
• Compassionate Beginnings (Cincinnati, serving Northern Kentucky)

Fertility Agencies in Kentucky

Clinical support is required throughout the surrogacy process, from embryo creation to gestation monitoring. Here are a few trusted fertility centers in Kentucky we can recommend:

• Kentucky Fertility Institute (Louisville)
• Institute for Reproductive Health (Louisville, Florence)
• Lexington Fertility Center (Lexington)

When Can I Get Started?

You don’t have to wait any longer to build the family you’ve always hoped for. You also don’t need to have everything figured out before you begin.

It’s best to speak to an expert early in planning out your surrogacy process for some help and general insight.

Your timetable is entirely up to you. Whether you want to start today, next week or six months from now, we’ll still be here, ready to connect you to professionals and support your process in any way we can.