Surrogacy By State

How Much Does Surrogacy Cost in Minnesota?

If finances have you concerned as you are looking into growing your family through surrogacy, you’re not alone.

Knowing what goes into the cost of surrogacy in Minnesota can help you prepare in advance, whether budgeting for the costs or figuring out how to afford it.

Having the cost defined can allow you to focus on other important aspects of the process like finding a fertility clinic.

Reach out to us today for answers surrounding your questions about the cost of surrogacy in Minnesota.

This article dives into everything involving surrogacy costs in Minnesota, from what you can expect to pay to goes into the overall cost. In addition to learning about affording surrogacy, we’ll give you a complete surrogacy cost breakdown.

How Much Does Surrogacy Cost in Minnesota

Surrogacy costs an average of $150-000-$179,000+ in Minnesota.

There isn’t a specific figure when it comes to the cost of surrogacy in Minnesota, or any other state, because the circumstances of your situation and the choices you make dictate what that cost will look like.

Your surrogacy cost breakdown can be thought of as two parts, fixed fees and variable costs. Some of the aspects of this journey will have a pre-determined figure while others may arise during the journey that weren’t accounted for beforehand.

Fixed fees can be made up of:

Agency and Case Management Fees: These fees cover the services of the professional you work with that helps to make your surrogacy journey as smooth and straightforward as possible. Examples of these fees include marketing and advertising, screening for all parties involved and more.
Gestational Carrier Fees: Surrogates are compensated for helping make your dreams of parenthood come to life. This compensation includes base pay, escrow services, reimbursement for any lost wages, out-of-pocket expenses and more.
Medical and Legal Fees: You will be responsible for all pregnancy-related expenses from a medical and legal standpoint. This can include your surrogate’s insurance coverage, their medical screening, legal representation, any administrative legal duties your agency completes and more.

Variable costs that impact your surrogacy cost could include:

In-vitro fertilization (IVF) costs can change depending on a number of factors such as your insurance coverage to the fertility clinic you work with and their fee structures for their services.

The amount of compensation that is paid to your surrogate can change depending on their experience with surrogacy and where they are located.

Newborn expenses may or may not be covered by your health insurance. Be sure to talk to your employer and insurance provider.

You may have a plan for how often you will travel to see your surrogate before she gives birth. Depending on how far you need to travel and how often, you will need to keep that in mind when budgeting for the journey.

Example Breakdown of Surrogacy Costs in Minnesota

One of the biggest variables when it comes to the cost of surrogacy in Minnesota, and any other state, is your choice of professional.

There are different programs, services offered and costs for those services that prevent there from being one singular figure cost-wise.

Here’s a great look at an example of how your investment could be allocated:

Minnesota Surrogacy
Cost Breakdown

Surrogate.com

What Is a Realistic Income for Surrogacy?

There is no realistic income for surrogacy.

A common misconception about surrogacy is that it’s only for the rich, which couldn’t be further from the truth. People from all walks of life pursue surrogacy for various reasons.

Look at the example of Mark and Cody; former intended parents who had a combined income of $205,000 per year.

Their total surrogacy cost came to $236,150 and they financed their surrogacy through:

Savings
Grants
Work Benefits
Loans
Home Equity Line of Credit (HELOC)

Learn more about Mark and Cody’s story.

View Case Study View Case Study

What Value Do You Get for the Costs of Surrogacy?

Surrogacy is a journey that comes with significant cost because of what it requires to make the process happen. The services of different professionals and the services they provide are to ensure a smooth and straightforward process.

With that being said, seeing various surrogacy costs may have you wondering what it means for your goal of experiencing parenthood.

Your investment to grow your family through surrogacy with a reputable surrogacy agency brings a number of benefits with some of the most impactful being:

Matching Quickly: The professional you work with directly impacts how long it could be until you become a parent. Finding a surrogate quickly is one of the primary, and most important, services that a surrogacy agency can provide. Your choice of who to work with could be the difference between finding a match in months or years.
Thorough Screening: Surrogacy changes the lives of everyone involved. That’s why any hopeful surrogate must screenings to ensure they can safely carry a pregnancy. These screenings not only ensure the safety of everyone involved, they help reduce the risk of issues coming up later in the process. Issues with your surrogate down the road could mean waiting longer to become a parent, meaning more cost and time to find another surrogate.
Financial Security: The investment you’re making is significant. It can be nerve-wracking which is why some professionals will protect this investment with financial protection.

If you have any questions or concerns about the process, make sure to ask any agency you are working with about their wait times, screening standards and financial protection and what it means for your end goal of wanting to become a parent.

How Much Does Surrogacy Cost with Insurance in Minnesota?

The cost of surrogacy in Minnesota with insurance depends on your insurance provider as Minnesota doesn’t have any legislation regarding insurance coverage and surrogacy according to this map last updated in Sept. 2024 by RESOLVE, the national infertility association.

With non-pregnancy-related expenses not typically covered by health insurance policies make sure you contact your employer and insurance provider to clarify your cost of surrogacy with insurance in Minnesota.

How Much Does a Surrogate Cost in Minnesota?

The cost of a surrogate in Minnesota in terms of their base compensation could be $50,000-$70,000+, but that doesn’t encapsulate the total cost.

Your surrogate’s compensation varies based on:

Cost of Living
Income
Experience

How Much Does IVF and Surrogacy Cost?

At the end of the day, your cost of IVF and surrogacy will come down to the professional you choose, where you live and what your insurance provider covers.

In addition to the average cost of $150,000-$179,000+ for surrogacy, the average cost of an IVF cycle in Minnesota is anywhere from $15,000-$30,000.

Surrogacy Financing

When you are looking into growing your family through assisted reproductive technology (ART), you may be wondering how to pay for surrogacy. You’re not alone.

Affording surrogacy out of pocket is possible for some and not for others, but you can still utilize resources such as:

Traditional businesses like banks and other family-building professionals offer loans for fertility treatments and surrogacy.

A Home Equity Line of Credit (HELOC) can be a source of funding for surrogacy. It’s paid back when you start using it with the limits for a HELOC typically being much higher than credit cards.

This could look like some of the more traditional avenues like hosting benefit dinners or community events to newer avenues such as online fundraisers like GoFundMe or Kickstarter.

Personal savings are for whatever you deem appropriate. If you have been saving for this opportunity, using funds already earmarked for this process can help provide financial security and flexibility for the journey. Some families save for years before growing their family.

Surrogacy has many costs that help make the journey a reality and there are family-building organizations that have various types of grants for those looking to grow their family.

If you are looking into growing your family, talk to your employer. Some employers provide fertility benefits that may alleviate some of the cost.

Surrogacy Agencies in Minnesota

A surrogacy agency will help coordinate every step of your surrogacy journey. It’s an important decision to make as it will impact cost and your surrogacy experience.

Here are some local surrogacy agencies you could work with:

IARC Surrogacy (Maple Grove)
The Surrogacy Center (Roseville)
Collective Surrogacy (Minneapolis)

Fertility Clinics in Minnesota

A fertility clinic is an important surrogacy professional you will need. They will handle all of the medical procedures required for surrogacy and they’ll be there to answer any specific questions related to your circumstances.

Check out these local fertility clinics if you are still searching:

Center for Reproductive Medicine & Advanced Reproductive Technologies (Minneapolis, St. Paul)
Reproductive Medicine and Infertility Associates (Woodbury, Maple Grove, Edina)
CCRM Minneapolis (Edina)

Contact Us Today

Whether you have specific questions about your situation and how to pay for surrogacy or just want to learn more about surrogacy in general, we’re here for you.

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