How Much Does Surrogacy Cost in Bloomington, Minnesota?

The cost of surrogacy in Bloomington, Minnesota, can be overwhelming, but for some, it is the best path to starting a family. While surrogacy requires a significant financial commitment, the rewards of parenthood make it a worthwhile investment.

We understand the financial strain that surrogacy costs can bring, and we are here to guide you through the process. Keep reading to learn more about surrogacy costs or reach out to us to connect with trusted professionals who can assist you.

Surrogacy Cost in Bloomington

On average, surrogacy in Bloomington, Minnesota, costs between $100,000-$200,000+. This cost includes surrogate compensation, medical expenses, legal fees, and agency services.

While this may seem daunting, most intended parents find that these costs are manageable with the right financial resources. With the financing options we’ll discuss, surrogacy is accessible for many hopeful parents.

Detailed Surrogacy Cost Breakdown

Understanding the breakdown of surrogacy costs can help intended parents plan accordingly:

• Surrogate Compensation and Benefits – 35%: Surrogates dedicate their time, energy, and physical well-being to carrying a child for intended parents, making compensation a crucial part of the process. This includes base pay as well as additional benefits such as medical reimbursements, maternity clothing allowances, and lost wages. These funds provide financial stability for surrogates and their families, recognizing the significant commitment and sacrifices involved in the journey.
• Medical Expenses – 11%: Surrogacy-related medical costs cover everything from fertility treatments and embryo transfers to prenatal care and delivery. These expenses include doctor’s visits, ultrasounds, lab tests, and any necessary medications. Ensuring proper medical care is essential for a healthy pregnancy and successful surrogacy journey.
• Agency Fees – 21%: Surrogacy agencies play a crucial role in coordinating the entire process, from matching intended parents with surrogates to providing ongoing support. These fees cover case management, counseling, and administrative costs to ensure a seamless experience. Agencies also mediate communication, address challenges, and offer guidance to intended parents throughout the journey.
• Matching and Screening – 27%: A significant portion of surrogacy costs is dedicated to the rigorous process of matching intended parents with a suitable surrogate. This involves extensive background checks, medical and psychological evaluations, and compatibility assessments to ensure a successful partnership. The screening process helps minimize risks and enhances the likelihood of a smooth surrogacy journey, making it a critical investment for all parties involved.
• Legal Fees – 6%: Legal services in surrogacy ensure that both intended parents and surrogates have clear, legally binding agreements that protect their rights. This includes drafting and reviewing contracts, establishing parental rights, and handling any necessary court proceedings. Investing in legal expertise provides peace of mind and ensures a smooth surrogacy journey without unexpected complications.

How Much Does Surrogacy Cost with Insurance?

Health insurance policies typically do not cover surrogate compensation or agency fees. However, some policies may cover pregnancy-related medical expenses. A surrogacy agency can help review insurance policies to determine what is covered and assist in arranging supplemental coverage if necessary.

Why Surrogate Compensation Matters for a Successful Journey

Surrogates dedicate months of their lives to carrying a child, making their compensation an essential part of the process. Compensation allows surrogates to support themselves and their families and achieve their own financial goals. Many surrogates use these funds to achieve financial stability, pay for education, or provide for their children’s future.

Surrogacy Financing: How to Make It Affordable

Surrogacy may seem financially challenging, but there are multiple options available to help intended parents manage costs. Mark and Cody are a great example of how creative intended parents can overcome costs.

They knew surrogacy was their best path to parenthood, but were initially concerned about the costs. By combining personal savings, employer benefits, and a fertility loan, they were able to fund their journey successfully. Today, they are proud parents thanks to the resources available for intended parents.

You can use the same resources Mark and Cody did to build your own financial plan. Review your options below:

• Personal Savings – Many intended parents begin setting aside funds well in advance, creating dedicated savings plans to manage surrogacy expenses. They often adjust their budgets, reduce discretionary spending, and explore high-yield savings accounts to grow their funds efficiently over time.
• Grants and Scholarships – Various organizations offer grants and financial aid to intended parents seeking surrogacy, helping to offset costs such as medical expenses, agency fees, and legal services. These programs provide crucial support, making surrogacy a more accessible option for families.
• Employer Benefits – Many employers now provide fertility and surrogacy-related benefits, helping to alleviate financial burdens for intended parents. These benefits can include coverage for fertility treatments, surrogacy agency fees, and even partial reimbursement for medical expenses. Checking with an employer’s human resources department can reveal opportunities to make surrogacy more affordable.
• Loans – Specialized fertility loans offer intended parents a flexible way to finance their surrogacy journey. These loans are designed to cover expenses such as medical procedures, agency fees, and legal costs, allowing parents to spread payments over time. Many lenders offer competitive rates and repayment options tailored to fertility treatments, making surrogacy more financially manageable.
• Home Equity Financing – Some homeowners leverage a Home Equity Line of Credit (HELOC) as a flexible financing option for surrogacy. By tapping into their home’s equity, they can access funds at a lower interest rate compared to other loans, making it a viable way to cover surrogacy expenses while managing repayment over time.

Why Choosing a Surrogacy Agency Reduces Costs and Wait Times

Choosing a surrogacy agency simplifies the process for intended parents. Agencies conduct thorough screenings to ensure only qualified surrogates move forward, while also offering financial protections to help parents manage costs confidently.

One major benefit of working with an agency is reduced wait times. With access to pre-screened surrogates, agencies match intended parents more quickly, minimizing delays and helping families begin their journey to parenthood sooner.

Fertility Clinics near Bloomington, Minnesota

Finding the right fertility clinic is crucial for a successful surrogacy journey. Here are some local clinics offering IVF and fertility services:

• CCRM Fertility Center
• Center for Reproductive Medicine
• Oakdale OBGYN

Surrogacy Agencies near Bloomington, Minnesota

Agencies maintain offices in the area to assist intended parents. Some reputable surrogacy agencies include:

• American Surrogacy
• Circle Surrogacy
• Creative Family Connections

Start Your Surrogacy Journey Today

If you’re ready to start your surrogacy journey, we can help connect you with experienced professionals who will guide you through the process. Contact us today to take the first step toward growing your family through surrogacy.