How Much Does Surrogacy Cost in Maryland?

The cost of surrogacy in Maryland is a significant factor for intended parents to consider, but it shouldn’t keep you from building the family you’ve always hoped for.

With this guide, you’ll learn more about your financing options and how your funding is used to ensure your growing family has the best beginning possible.

Learn more about how to pay for surrogacy by getting in touch with us. We can help you understand and explore your options, and put you in touch with agencies that share your values and respect your feedback.

How Much Does Surrogacy Cost in Maryland?

Surrogacy in Maryland can cost intended parents between $150,000 and $179,000+. You may land on the high end of that range considering Maryland’s cost of living. Also, your cost might increase or decrease based on the surrogacy professionals you choose to work with.

While these costs can seem extreme, intended parents have many resources available to them to help make surrogacy more affordable. 

It may be of interest to you to learn what these fees are used for. Here’s a breakdown of how and why funding is used in a typical surrogacy:

An Example Surrogacy Cost Breakdown in Maryland

Your overall cost will be decided mostly by what surrogacy professional you choose to help you through the process. Different professionals will dedicate different resources to each unique area of the surrogacy process. Here’s an example of how an agency may use your funds:

Every agency will distribute funding differently. You deserve to work with an agency that matches your priorities and will adjust their services to factor in your concerns. Contact us to connect with an agency offering personalized support.

What’s a Realistic Income for Surrogacy?

Anyone who has the funding can initiate the surrogacy process; there are no income requirements.

A higher income may help some aspects of the surrogacy process, but the truth is most families and individuals can afford surrogacy with enough planning, careful budgeting, and purposeful use of resources. Intended parents come from all kinds of different financial backgrounds; surrogacy can be accessible for you too.

What Value Do You Get for the Costs of 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: Finding a surrogate for your journey is one of the most important services an agency can provide. The highest value they can give you for this service is matching quickly. Some agencies can match in months, while others take years.
• Thorough Screening: Becoming a surrogate isn’t an easy job. Agencies that thoroughly screen candidates before matching reduce the risks of setbacks later on. As an example: If you match with a surrogate who fails your clinic screening, you could be set back months on your timeline and thousands in sunk costs.
• Financial Security: Pitfalls are possible along the way. Some agencies create financial protection for parents in their fee structures, while others ask intended parents to absorb additional costs when unexpected challenges arise.

When considering the cost of surrogacy in Maryland, 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 Maryland

The cost of surrogacy in Maryland is made up of several smaller fees, as mentioned earlier. Let’s investigate some of the more important fees.

How Much Does Surrogacy Cost with Insurance in Maryland?

Depending on your specific insurance policy, surrogacy may or may not be covered. Some policies cover surrogate costs, and sometimes will even pay part of the surrogate’s compensation fee, but most policies don’t include funds for surrogacy.

Filling these insurance gaps can be expensive out-of-pocket. This process is much easier for intended parents working with surrogacy agencies. The best agencies will provide surrogates with supplemental insurance policies at no cost to the intended parents.

How Much Does a Surrogate Cost in Maryland?

Surrogate compensation in Maryland ranges from 50,000 to 70,000+, with a good chance to go higher because of the heightened cost of living. Compensation is best thought of as two distinct funds, called base pay and reimbursement.

Reimbursement is used to compensate the surrogate for pregnancy-related expenses, like maternity clothes, medical co-pays, lost wages, and more.

Base pay is compensation for the surrogate’s dedication and willingness to affect her personal health in order to help you grow your family.

Surrogacy is a life-changing experience for intended families, but it can also have a significant positive impact on the surrogate’s life. Her compensation may allow her to pay off her student loans, put a down payment on a house, or pursue her goals in a way that wasn’t available to her before.

How Much Does IVF and Surrogacy Cost?

The cost of IVF in Maryland ranges from $11,000 to $17,000 on average. Your insurance may help you fund IVF. You should also check whether your workplace will help you afford IVF, as fertility benefits have become much more common over the last few years.

Families who complete IVF before beginning their surrogacy journey will have a much quicker process overall. Because of this, many agencies leave the cost of IVF out of their overall price structure; keep this in mind when designing your surrogacy budget.

Affording Surrogacy in Maryland

Though surrogacy is an expensive process, it’s still attainable for most families.

The most common way to fund surrogacies is through surrogacy financing, which are special loans tailored to the needs of intended parents pursuing surrogacy.  To find a loan provider, you can contact your bank, local credit union, one of the financiers mentioned below or your surrogacy agency.

How to Pay for Surrogacy

Intended parents have many different methods of financing available to him. This list will give you a great start, but remember to investigate other financial pathways we may forget to mention here.

Surrogacy Agencies in Maryland

Intended parents often choose to work with surrogacy agencies for the robust services and risk protection they provide. If you’re looking into surrogacy in Maryland, you may want to contact one of these agencies to learn more:

• American Surrogacy
• Family Forward Surrogacy (Bethesda)
• Fertility Source Companies (Rockville)

Fertility Agencies in Maryland

Fertility agencies are an integral part of the surrogacy experience. Working with a kind and attentive fertility clinic can impact your experience of the entire process. Consider reaching out to these trusted partners:

• Montgomery Fertility Clinic (Rockville)
• Shady Grove Fertility (Baltimore, Annapolis and more)
• Columbia Fertility Associates (Columbia)

When Can I Get Started?

One of the many wonderful things about surrogacy is that you’re in control of your own time table. There’s nothing stopping you from beginning your surrogacy journey right away.

There are plenty of knowledgeable professionals waiting for a chance to help you grow your family. Contact us today to be put in touch with caring, supportive professionals.