Get Started

Surrogacy By State

How Much Does Surrogacy Cost in Michigan?

Understanding the surrogacy cost and what factors impact the overall cost allows you to determine if it’s an option for your situation and budget for journey ahead.

Surrogacy gives you the opportunity to fulfill a lifelong dream of becoming a parent. Contact us online to learn more about surrogacy as a pathway to parenthood.

Below, we’ll cover the cost of surrogacy in Michigan such as what contributes to your overall cost, how much income you should have to pursue surrogacy and ways to finance your surrogacy journey if needed.

How Much Does Surrogacy Cost in Michigan?

Surrogacy costs in Michigan and any other state are not uniform. But on average, you can expect to see figures from $150,000-$179,000+.

Surrogacy requires the services of many professionals to ensure it goes as smoothly and straightforward as possible.

Although trying to budget for such a wide range of potential costs cost can be difficult, we can walk you through what goes into those figures with some being fixed while others are more variable depending on your circumstances.

Here’s what your surrogacy cost breakdown could include:

Fixed Fees

Professionals like surrogacy agencies handle everything involved with your surrogacy journey from start to finish. From the screenings you and your surrogate must pass, matching you with a surrogate that fits your preferences, any marketing and advertising and much more.

The surrogate you choose is helping make your dreams of becoming a parent a reality. In addition to the base compensation, there are escrow fees, lost wages they miss out on while pregnant and reimbursements for any out-of-pocket expenses.

You will be responsible for your surrogate’s insurance coverage, medical screening, life insurance policies and more.

Both sides will need legal representation to ensure their rights are protected. These legal fees can include your and your surrogate’s legal fees and agency administrative duties that your agency performs to help the journey along.

Variable Costs

  • IVF: In-vitro fertilization (IVF) costs vary depending on the professional you work with. There might be different costs for their services, medications used and more.
  • Newborn Expenses: Depending on your health insurance coverage, newborn expenses may be covered.
  • Intended Parent Travel: You may want to travel to your surrogate for the doctors’ appointments before the delivery day arrives. Depending on how often you visit and the distance you must travel, costs can change based on the frequency of visits, the cost of gas or even plane tickets.
  • Surrogate Breast Milk: If agreed upon by both parties, you can pay an additional weekly fee for your child to have breast milk.
  • Surrogate Experience and Location: Your compensation owed to your surrogate can change depending on their experience with surrogacy and cost of living in their area.

Your decision will determine your exact breakdown but here’s an example of a surrogacy cost breakdown and how the funds can be allocated:

Michigan Surrogacy
Cost Breakdown

Surrogacy Cost Breakdown in Michigan
Surrogate.com

What Is a Realistic Income for Surrogacy?

One of the most common misconceptions about surrogacy is that it’s only for the rich. Intended parents from all walks of life pursue surrogacy for their own reasons.

When it comes to affording surrogacy, learning about the wide range of costs that go into the process gives you a good idea of where you stand financially.

Mark and Cody, for example, had a combined annual income of $205,000.

Their total surrogacy cost totaled $236,150 and their surrogacy financing included several different revenue streams like loans, grants, work benefits, personal savings and home equity lines of credit (HELOC).

Learn more about Mark and Cody’s story

What Value Do You Get for the Costs of Surrogacy?

When it comes to your surrogacy cost and all of those fixed and variable fees discussed above, you’re probably wondering what that means for your ultimate goal of becoming a parent.

When it comes to your return on investment in surrogacy, here are three primary ways an agency can impact your journey:

If the cost of surrogacy in Michigan is important to you, talk to your professional about their services and what it means for your goal of becoming a parent.

How Much Does a Surrogate Cost in Michigan?

A surrogate’s pay can vary depending on their:

Depending on the surrogate’s experience, it can cost anywhere from $50,000-$70,000+

DID YOU KNOW?

This range may change as a result of the Michigan Family Protection Act that decriminalized paid surrogacy in April 2024. Those laws, however, won’t go into effect until 2025.

As much as you’ll want to plan to get a better idea of your surrogacy cost breakdown, the cost of using a surrogate goes much further than base compensation.

Lost wages and pregnancy-related expenses for your surrogate are just two examples of costs that can vary depending on your specific journey.

How Much Does Surrogacy Cost with Insurance in Michigan?

Similar to the cost of surrogacy, the cost of a surrogate and the income needed, there isn’t a uniform answer.

That’s because affording surrogacy with insurance could look different for each situation based on where you are located and if your insurance provider covers the services required.

The majority of health insurance plans don’t cover fertility related expenses, but there could be some coverage for your surrogate’s pregnancy-related expenses.

Get clarity on what exactly is covered and for how much by talking to your employer and insurance provider.

As of Sept. 2024, this map from RESOLVE, the National Infertility Association, shows Michigan as one of many states without any insurance coverage for surrogacy.

How Much Does IVF and Surrogacy Cost?

When determining how to pay for surrogacy you’ll want to know how much you will be paying for IVF.

Although IVF for surrogacy differs from traditional, it doesn’t cost any more or less. IVF for surrogacy is used when the intended parents can’t carry a pregnancy themselves due to medical, physical or personal reasons. A surrogate carries the pregnancy for them.

But IVF itself can be costly, as it’s not uncommon to take more than one IVF cycle to achieve a pregnancy and in Michigan, the average cost of one IVF cycle is $12,000-$15,000.

How to Pay for Surrogacy

Depending on the overall cost and how much money you have saved in preparation for growing your family, surrogacy financing might be part of your journey.

Affording surrogacy can be done by using the following resources:

Traditional businesses like banks that offer loans for fertility treatments and surrogacy.

Surrogacy can be costly but some family-building professionals offer grants for those looking to grow their family but are dealing with infertility issues.

With technology becoming more and more prevalent there are several ways to fundraise to help grow your family. There are traditional avenues like benefits or community events that can help raise money and newer avenues online like GoFundMe or Kickstarter.

Some families save for years before growing their family. You can use some of your savings for this life-changing opportunity or unexpected costs that arise along the way.

A HELOC is a common source of funding for surrogacy. You only pay it back when you start using it and the limits for a HELOC are typically much higher than credit cards.

If you are growing your family, talk to your employer. Some employers provide fertility benefits that help with the cost of surrogacy in Michigan.

Surrogacy Agencies in Michigan

Surrogacy agencies are one of the most important professionals you’ll partner with on this journey to becoming a parent. They have all the services and resources needed to guide you through the surrogacy process.

Your choice of surrogacy agency can directly impact how long it will take to become a parent, their costs, screening services and marketing reach are just a few examples of what will impact your timeline.

If surrogacy could be right for your situation, here are some professionals located in Michigan:

Fertility Clinics in Michigan

A fertility clinic is another professional you will need for surrogacy. They will take care of the medical steps and procedures of IVF.

Here are a few clinics located in-state:

No matter how long you’ve wanted to experience what parenthood is like, you can contact us today to get up-to-date cost estimates to help you prepare for the journey ahead financially.

Get Started