How Much Does Surrogacy Cost in Lakeville, Minnesota?

Surrogacy offers an incredible opportunity for hopeful parents to grow their families, but the cost can be a significant challenge. While surrogacy requires a financial commitment, the joy of parenthood makes it a worthwhile investment.

If you’re wondering about the cost of surrogacy in Lakeville, Minnesota, this guide will help you understand expenses, breakdowns, and financing options. Keep reading to learn more, or contact us for expert guidance on navigating surrogacy costs.

Total Cost of Surrogacy in Lakeville, Minnesota

The cost of surrogacy in Lakeville typically ranges from $100,000-$200,000+ depending on the professionals and services involved. This amount includes surrogate compensation, medical expenses, legal fees, agency fees, and other necessary costs.

While this figure may seem daunting, intended parents have access to a variety of financing options, including grants, loans, employer benefits, and savings plans, making surrogacy a realistic option for many families.

Surrogacy Cost Breakdown: How Much Does a Surrogate Cost?

Understanding how surrogacy costs are distributed can help intended parents plan accordingly. Here’s a percentage-based breakdown of expenses:

• Surrogate Compensation and Benefits – 35%: Surrogate compensation fairly rewards the surrogate for her time, effort, and the physical demands of pregnancy. It includes base pay, maternity expenses, and benefits like lost wages and childcare.

• Medical Expenses – 11%: Medical expenses cover a range of essential healthcare services required throughout the surrogacy process. These costs include fertility treatments, embryo transfers, prenatal care, delivery expenses, and postpartum recovery. 
• Agency Fees – 21%: Agency fees cover case management, surrogate matching, and ongoing support. They ensure access to professionals who handle legal, medical, and logistical aspects efficiently. Working with a reputable agency provides intended parents with peace of mind throughout the process.
• Matching & Screening – 27%: This cost covers evaluating and matching intended parents with a surrogate. Agencies perform medical, psychological, and background screenings to ensure surrogates are prepared. This process reduces risks and aligns expectations for a smoother experience.
• Legal Fees – 6%: Legal fees ensure surrogacy agreements comply with state laws, covering contract drafting, parental rights, and court proceedings. Experienced legal representation protects all parties and helps prevent complications.

Each of these costs contributes to a smooth and legally sound surrogacy journey.

How Much Does Surrogacy Cost with Insurance?

Navigating surrogacy insurance can be complicated. While most health insurance policies do not cover surrogate compensation or agency fees, some plans may cover pregnancy-related medical expenses. A surrogacy agency can help review insurance options and coordinate additional coverage if necessary.

How Surrogate Compensation Affects the Cost of Surrogacy

Surrogate compensation plays a crucial role in ensuring a positive experience for both the surrogate and the intended parents. This financial support acknowledges the surrogate’s time, dedication, and the physical demands of pregnancy. Additionally, it can provide a meaningful benefit to the surrogate’s family, helping with expenses such as childcare, education, or savings.

How to Afford Surrogacy: Financing Options

Surrogacy is a significant investment, but many intended parents successfully finance their journey through various resources. For example, take Mark and Cody.

Like many intended parents, Mark and Cody faced financial hurdles when pursuing surrogacy. By combining employer fertility benefits, personal savings, and a specialized fertility loan, they successfully navigated the cost and are now proud parents.

Their story highlights that with the right approach, surrogacy is achievable. Here are some common options for you to build up your funding just like they did:

• Personal Savings – Many families plan their surrogacy journey well in advance by setting aside savings over several years. They may establish dedicated savings accounts, cut back on discretionary expenses, or seek financial advice to optimize their savings strategy. This long-term approach helps alleviate financial stress and ensures they are financially prepared when the time comes to start their surrogacy process.
• Grants & Scholarships – Several nonprofit organizations and foundations provide financial assistance to intended parents through grants and scholarships. These programs help alleviate the financial burden by covering a portion of surrogacy costs, such as medical procedures, legal fees, and surrogate compensation. Each organization has its own eligibility requirements and application process, making it important to research and apply for multiple opportunities to maximize available support.
• Employer Benefits – Some employers provide fertility benefits that include surrogacy assistance, covering aspects such as medical expenses, agency fees, and even travel costs associated with the process. These benefits vary by company, with some offering lump-sum reimbursements and others providing structured financial aid for fertility treatments. Checking with your employer’s HR department can help determine eligibility and the extent of coverage available.
• Loans – Specialized fertility loans can help distribute the cost over time by offering flexible repayment terms tailored to intended parents. These loans are often designed specifically for fertility treatments and surrogacy-related expenses, making them a practical option for those who need financial support. Many lenders also provide low-interest rates and extended repayment periods, ensuring manageable monthly payments throughout the journey.
• Home Equity Financing – Homeowners can use a Home Equity Line of Credit (HELOC) as a financial resource by leveraging the equity built up in their property. This option allows intended parents to access funds at relatively lower interest rates compared to personal loans, making it a cost-effective way to cover surrogacy expenses. However, it is essential to evaluate the long-term repayment commitments to ensure financial stability.

How a Surrogacy Agency Can Reduce the Cost of Surrogacy and Wait Times

Partnering with a surrogacy agency provides invaluable support and reduces the overall time to parenthood.

Agencies have established networks to match intended parents with surrogates more quickly, minimizing delays and expediting the parenthood journey. With pre-screened surrogates ready to begin the process, intended parents can avoid lengthy independent searches and focus on preparing for their future family.

Comprehensive medical, psychological, and background screenings ensure the surrogate is physically and emotionally prepared for the surrogacy process, reducing potential risks and ensuring a smoother, more reliable journey.

Many agencies also provide financial protections to safeguard intended parents, such as escrow management services, cost transparency, and structured payment plans to prevent unexpected financial burdens.

Fertility Clinics near Lakeville, Minnesota

Finding the right fertility clinic is an essential step in the surrogacy journey. Here are some clinics near Lakeville that offer IVF and other fertility services:

• Minnesota Center for Reproductive Medicine
• Oakdale OBGYN
• Reproductive Medicine & Infertility Associates

Surrogacy Agencies near Lakeville, Minnesota

Many reputable agencies maintain Minnesota offices to support intended parents in the area. Here are some agencies to consider:

• American Surrogacy
• Creative Family Connections
• Growing Generations

Working with a professional agency can provide guidance and peace of mind throughout the process.

Get Started with Surrogacy in Lakeville Today

The cost of surrogacy in Lakeville may seem overwhelming at first, but with careful planning and the right professional support, it can become a manageable reality. Financial strategies, legal guidance, and agency expertise all contribute to a streamlined journey.

Whether you are exploring financing options, seeking experienced professionals, or simply need reassurance, our team is here to help. Contact us today to take the next step and move closer to growing your family with confidence.