How Much Does Surrogacy Cost in Macomb Township, Michigan?

Growing your family through surrogacy is an exciting and life-changing journey, but it’s also a significant financial commitment. Understanding the costs involved can help you navigate the process with confidence.

Whether you’re just beginning to explore surrogacy or ready to take the next step, we’re here to break down your costs. Continue reading for more information about individual expenses and surrogacy financing options.

Are you ready to take the next step? Fill out our form, and we’ll help you get in contact with a surrogacy agency near you.

Surrogacy Cost Breakdown in Macomb Township

Surrogacy costs vary depending on numerous factors, but you can generally expect to spend $100,000-$200,000+. Here’s a breakdown of common expenses:

• Agency and Case Management Fees: $30,000 to $50,000. This fee covers the services provided by your surrogacy agency, including surrogate matching, screenings and case management throughout your journey.
• Gestational Carrier Compensation: $50,000 to $70,000. This amount covers your surrogate’s time, effort and physical and emotional commitment to helping you grow your family.
• Legal Fees: $10,000 to $15,000. These costs cover legal contracts and other necessary legal filings to protect all parties involved.
• IVF and Surrogate Medical Care: $10,000 to $20,000. This includes in vitro fertilization as well as prenatal appointments, medications for the surrogate and labor and delivery.
• Surrogacy Insurance: $15,000 to $25,000. This ensures you and your surrogate have medical coverage throughout the process.
• Miscellaneous: $5,000 to $10,000. Additional expenses may include unforeseen medical costs or travel costs.

How Much Does a Surrogate Cost in Macomb Township?

Surrogate compensation generally falls between $50,000 and $70,000, but factors like experience, location and personal circumstances can influence the final amount. For instance, a woman who has given birth to multiple surrogate babies will cost more than a first-time surrogate.

The Michigan Family Protection Act, passed in April 2024, legalizes compensated surrogacy. However, the law does not take effect until 2025. If you want to move forward with surrogacy immediately, you may need to work with an out-of-state surrogate.

How Much Does IVF and Surrogacy Cost in Macomb Township?

In vitro fertilization is a key component of surrogacy because it creates the embryos that you will transfer to your surrogate. In Michigan, a single cycle of IVF costs between $12,000 and $15,000. This amount includes

• Egg retrieval and fertilization
• Embryo freezing and storage
• Embryo transfer

You will also need to account for the cost of prenatal appointments, surrogate medications, childbirth and more. In total, IVF and surrogate medical care will cost you $30,000 to $50,000.

How Much Does Surrogacy Cost With Insurance in Macomb Township?

Most insurance plans do not cover surrogacy-related medical expenses, though some may provide coverage for IVF or pregnancy-related costs. In Michigan, there is no state mandate requiring insurers to cover surrogacy expenses, so you’ll need to review your policy carefully.

To determine your insurance coverage, check:

• Whether your surrogate’s medical care is covered
• If your policy includes any fertility-related benefits
• What out-of-pocket expenses you may face

How to Pay for Surrogacy in Macomb Township

Affording surrogacy requires careful planning. Here are some ways to manage costs:

• Loans: Some lenders offer fertility-specific loans to intended parents who need financial assistance with surrogacy.
• Grants: Various organizations provide financial aid to individuals and couples pursuing surrogacy as a means of family-building.
• Payment Plans: Some agencies offer surrogacy financing options that allow intended parents to spread the cost of surrogacy over time.
• Fundraising: Online crowdfunding platforms like GoFundMe provide a way for friends and family to contribute to your surrogacy journey.
• Personal Savings: Many families plan ahead and set aside savings specifically to cover surrogacy-related costs.
• Home Equity Loans: Borrowing against home equity is a common financing strategy if you want to cover surrogacy expenses.
• Employer Benefits: Some companies offer fertility and family-building benefits that can help offset surrogacy costs.

If you’re considering surrogacy in Macomb Township, now is the time to start planning. Contact us today to learn more about costs, timelines and how to take the next step toward parenthood.