How Much Does Surrogacy Cost in Massachusetts?

The cost of surrogacy in Massachusetts can be a significant factor for intended parents to consider, but it shouldn’t be discourage you from growing your family.

In this article, we’ll demonstrate how, with careful planning and resource management, surrogacy can be an affordable and accessible option for your family.

When you’re ready to begin your surrogacy journey, don’t hesitate to reach out. Our team can connect you to vital resources and like-minded professionals.

How Much Does Surrogacy Cost in Massachusetts?

The cost of surrogacy in Massachusetts starts between $150,000 and $179,000+. Because of adjustments factoring in cost-of-living, families going through surrogacy in Massachusetts will land on the high side of this range, with a good chance of going over.

These prices can induce a bit of sticker shock for intended parents. Don’t be discouraged; families from all kinds of economic backgrounds fund surrogacies. While it is undoubtedly expensive, we’ll list some financial resources later in this article that may make the process much more accessible than it first appears.

Before we discuss the “how” of funding surrogacy, let’s explain the “why”. Here’s a brief explanation of the different funds that make up the cost of surrogacy:

An Example Surrogacy Cost Breakdown in Massachusetts

The biggest factor in determining your overall expenses will be your choice of surrogacy professional. Professionals vary in their priorities and their fee structures, often changing their resource allocations based on your specific local area, your needs as a client and their past experiences.

Here’s a hypothetical fee structure we put together as an example:

Your family deserves to work with professionals that value your input and share your vision. We can help you connect with professionals who provide supportive, compassionate, and personalized care. Reach out to us today to find the right professionals for your family.

What’s a Realistic Income for Surrogacy?

Anyone with funding can become a parent through surrogacy; there are no set income requirements. A higher income will help your fundraising efforts; however, relying on income to fund surrogacy is only available to a select few families in the US. Most families use a combination of savings, grants, loans, and other fundraising methods.

What Value Do You Get for the Costs of Surrogacy?

Seeing where your costs could go in that example breakdown may have you wondering about what you are really getting from the cost of surrogacy.

When it comes to your investment in surrogacy to help grow your family, an agency plays a big role in the entire process but especially the following aspects:

• Matching Quickly: Finding a surrogate can be the difference in starting life with your new family sooner rather than later. One of the most important things an agency will help you do is to find a surrogate quickly.
• Thorough Screening: Surrogacy changes the lives of your surrogate and your family. That’s why surrogates are thoroughly screened before matching to minimize the risks of setbacks later on. Having to find a new surrogate means more time and money before you’ll be able to experience parenthood.
• Financial Security: Financial protection is a key benefit that reputable professionals will offer, with your investment in mind during this costly but life-changing journey. 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 Massachusetts, make sure to ask any agency you are working with about their services and what it means for your ultimate goal of becoming a parent.

Understanding the Cost of Surrogacy in Massachusetts

As we’ve discussed, the cost of surrogacy in Massachusetts isn’t unified, but rather several smaller fees bundled together. To help better understand these fees, let’s take a moment to examine a few of the most important of them.

How Much Does Surrogacy Cost with Insurance in Massachusetts?

Usually, your existing insurance has little impact on the overall costs of surrogacy, and in most situations, additional insurance needs to be purchased.

Most insurance policies purposefully exclude or don’t mention coverage for surrogate costs. However, it’s still worth checking the details of your policy. Some plans offer limited coverage, and rarely do providers even cover part of your surrogate’s compensation.

If your insurance does not cover your surrogate, additional insurance for her will be purchased. If you’re working with one of the more prestigious surrogacy agencies, they may purchase the coverage at no extra cost to you.

How Much Does a Surrogate Cost in Massachusetts?

Surrogate compensation ranges from $50,000 to $70,000+. If your surrogate is in Massachusetts, there’s a high likelihood that their fee could be at the very high end of that estimate, due to the cost of living.

Surrogate compensation is  two distinct funds. These are referred to as base pay and reimbursements.

Reimbursements are used to cover special costs related to the pregnancy, like lost wages during pregnancy, maternity clothes, medication co-pays and other potential unexpected pregnancy costs.

Base pay is direct compensation, which helps show your surrogate how much her commitment means to your family. This pay can be life-changing – some surrogates use their base pay for things like paying off their student loans, finishing their education, putting a down payment on a house or setting up an emergency fund for their own children.

How Much Does IVF and Surrogacy Cost?

IVF can cost between $13,000 and $30,000 per cycle, depending on the clinic and the medications prescribed. IVF is usually not included in cost estimates for surrogacy – make sure you’re aware of this when planning out your surrogacy financing.

Consider completing IVF before beginning your surrogacy process. Though this may seem counter-intuitive, it could help speed up your process overall, producing shorter wait times in the long run.

Affording Surrogacy in Massachusetts

The most common way to fulfill the monetary requirements of this process is through surrogacy financing or another similar type of loan. You can contact your local bank, credit union, surrogacy agency or one of the specialized financiers we discuss in the section below.  

If you own your home, you may consider establishing a home equity line of credit. This can be a great way to secure funding that may be unavailable otherwise.

Be sure to carefully review the terms, and consider the long-term impact these may have on your family.

How to Pay for Surrogacy

Intended parents have a variety of options to help mitigate costs. Explore these strategies for ideas on how to fund your surrogacy. Remember, this list is not exhaustive. If you have an idea that goes unmentioned here, you should investigate its viability, or discuss it with your chosen surrogacy professional.

Surrogacy Agencies in Massachusetts

Surrogacy agencies can make the entire surrogacy process smoother. From supplemental insurance to risk protection and surrogate screening, many agency-provided perks are essential to an uncomplicated surrogacy.  If you’re looking for an agency in Massachusetts, here are a few to consider:

• American Surrogacy
• Massachusetts Surrogacy Center (Boston)
• The Center for Surrogacy & Egg Donation Inc. (Westborough)

Fertility Agencies in Massachusetts

Clinical support is required throughout the surrogacy process. A supportive clinic with services like gestational monitoring can make a huge difference. Here are a few trusted fertility centers in Massachusetts we recommend:

• Massachusetts General Hospital Fertility Center (Boston)
• Fertility Centers of New England (Cambridge, Plymouth and more)
• CCRM Fertility (Chestnut Hill)

When Can I Get Started?

You can get started today, if you’re ready. You’ve waited long enough. Now is the time for you to begin building the family you’ve always dreamed of having.

The earlier in this process you speak with an expert, the better. Reach out to us; we can help put you in contact with the right expert for your family.