How Much Does Surrogacy Cost in Blaine, Minnesota?

Surrogacy is a remarkable path to parenthood, bringing joy and fulfillment to all kinds of families. However, understanding the cost of surrogacy can be overwhelming. The financial commitment can be significant, but with the right resources, it is an achievable goal for many intended parents.

Below, we outline the costs associated with surrogacy in Blaine, Minnesota, and ways to make the process more affordable. Keep reading to learn more, or reach out to us for expert guidance in connecting with surrogacy professionals.

Total Cost of Surrogacy in Blaine, Minnesota

The total cost of surrogacy in Blaine ranges from $100,000-$200,000+, covering surrogate compensation, medical procedures, agency fees, and legal expenses. While the price may seem high, many intended parents manage costs through financial planning and available resources. Understanding these expenses helps parents prepare for their journey.

Surrogacy includes various services ensuring a smooth process, all contributing to the total cost. Fortunately, financial assistance, payment plans, and employer benefits make surrogacy more accessible for those eager to grow their family.

Detailed Surrogacy Cost Breakdown: Understanding Your Investment

Understanding how surrogacy expenses are distributed can help intended parents plan effectively. Below is a percentage-based breakdown of common surrogacy costs:

• Surrogate Compensation and Benefits – 35%: Surrogate compensation is the largest expense in the surrogacy process, ensuring that surrogates are fairly rewarded for their dedication. Surrogates receive benefits such as maternity care, travel reimbursements, and lost wages.
• Medical Expenses – 11%: Medical expenses cover all necessary healthcare costs related to the surrogacy process. This includes fertility treatments, in vitro fertilization (IVF), prenatal care, and labor and delivery expenses. Ensuring comprehensive medical care for the surrogate helps protect both her health and the well-being of the baby.
• Agency Fees – 21%: Agency fees cover a wide range of essential services that streamline the surrogacy process. These include coordinating the matching process, facilitating communication between intended parents and surrogates, and providing ongoing support throughout the journey. Agencies also handle critical administrative tasks, such as managing legal and financial aspects, ensuring compliance with regulations, and overseeing surrogate medical procedures.
• Matching and Screening – 27%: Matching and screening ensure that intended parents are paired with a qualified surrogate who aligns with their needs and values. This process involves extensive medical, psychological, and background evaluations to confirm the surrogate is physically and emotionally prepared for the journey.
• Legal Fees – 6%: Legal fees cover essential services such as drafting and reviewing contracts, establishing parental rights, and ensuring compliance with surrogacy laws. These legal safeguards protect both intended parents and surrogates, minimizing risks and ensuring a secure agreement.

Each of these categories plays an essential role in ensuring a smooth surrogacy process, from securing a well-compensated and committed surrogate to handling the legal and medical aspects of the journey. The breakdown also highlights where the majority of costs are allocated, providing a clearer picture of how your funding is spent throughout the process.

How Much Does Surrogacy Cost with Insurance?

Insurance coverage for surrogacy varies widely. While most traditional health insurance plans do not cover surrogacy-specific expenses, they may cover pregnancy-related medical costs for the surrogate.

Working with a surrogacy agency can help intended parents navigate insurance policies and secure additional coverage if necessary. Some agencies even offer specialized insurance options to help alleviate unexpected costs associated with pregnancy and delivery.

Why Surrogate Compensation Matters in the Cost of Surrogacy

Surrogate compensation ensures financial stability for those who dedicate their time and well-being to the process. It covers medical costs, lost wages, and other expenses, supporting their commitment. Fair pay also attracts experienced surrogates, increasing the likelihood of a smooth, successful pregnancy while offering intended parents peace of mind.

How to Afford the Cost of Surrogacy

Affording surrogacy requires careful financial planning. Fortunately, there are multiple resources available to help intended parents manage costs:

• Personal Savings – Many intended parents start saving early, using dedicated accounts to track progress. Budgeting and allocating a portion of income monthly help accumulate funds steadily. High-yield savings accounts can boost growth, while reducing unnecessary expenses redirects funds toward surrogacy. Effective financial planning makes personal savings a strong tool for covering costs.
• Grants and Scholarships – Nonprofit organizations offer surrogacy grants and scholarships based on need or circumstance, helping parents manage costs. Some funds specifically support military families, LGBTQ+ individuals, or those with medical infertility. Researching and applying for multiple grants can significantly reduce expenses and improve affordability.
• Employer Benefits – Some employers offer fertility benefits, including IVF and surrogate medical expense reimbursement. FSAs and HSAs allow pre-tax income allocation for surrogacy costs. Many companies also partner with specialized providers to expand fertility coverage. Checking HR policies can help maximize support.
• Loans – Fertility loans help manage surrogacy costs with structured payments and flexible terms. Many lenders offer competitive rates, pre-approval options, and tailored plans. Nonprofits sometimes collaborate with financial institutions to provide lower-interest loans, further reducing expenses.
• Home Equity Financing – A Home Equity Line of Credit (HELOC) allows parents to use home equity for surrogacy expenses with flexible withdrawals. However, as this financing involves property risk, assessing financial stability and consulting an advisor is essential.
• Crowdfunding & Community Support – Intended parents often seek financial help from friends, family, or crowdfunding platforms like GoFundMe. Fundraising events such as auctions or raffles can generate contributions, while local organizations and support networks offer additional aid.

Most intended parents find success when they combine several different resources together to create their surrogacy funding. For example, one couple we worked with named Mark and Cody combined personal loans, workplace benefits, and savings to afford their surrogacy process. They’re now proud parents.

Learn more about how Mark and Cody found the funding to bring their daughter into the world:

Why Work with a Surrogacy Agency?

Choosing a surrogacy agency can significantly enhance your experience as an intended parent. 

Agencies match intended parents with surrogates quickly, minimizing delays. Instead of handling the complex details alone, intended parents receive expert guidance and structured support, making the experience smoother and more predictable.

Benefits of working with a reputable agency include:

• Comprehensive Screening
• Financial Protection
• Legal and Logistical Support

Fertility Clinics near Blaine, Minnesota

Fertility clinics play an essential role in the surrogacy process, providing necessary medical procedures such as IVF and embryo transfers. Some top clinics near Blaine include:

• CRM Minnesota
• Center for Reproductive Medicine
• Reproductive Medicine & Infertility Associates

These clinics offer state-of-the-art reproductive services, ensuring intended parents receive the best medical care throughout their journey.

Surrogacy Agencies in Minnesota

Some reputable agencies include:

• American Surrogacy
• Creative Family Connections
• Circle Surrogacy

These agencies provide critical services, from matching intended parents with surrogates to handling legal documentation and financial planning. Having experienced professionals guide you through the process can make the experience more seamless and stress-free.

Next Steps: Begin Your Surrogacy Journey with Confidence

As you move forward, we are here to connect you with trusted surrogacy professionals and provide support throughout your journey. Contact us today to take the next step toward growing your family through surrogacy.