How Much Does Surrogacy Cost in Rochester, Minnesota?

If you’re exploring surrogacy in Rochester, Minnesota, understanding the expenses involved can help you plan ahead. Surrogacy is a life-changing opportunity for hopeful parents to grow their families. While the cost of surrogacy can be a significant investment, many find that the rewards of parenthood far outweigh the financial challenges.

Keep reading to learn more about surrogacy costs, or contact us to connect with experienced professionals who can help you navigate this journey.

Total Cost of Surrogacy in Rochester, Minnesota

The estimated cost of surrogacy in Rochester, Minnesota, ranges from $100,000-$200,000+. This figure includes essential services such as medical treatments, surrogate compensation, legal fees, and agency support.

While the cost may seem overwhelming at first, there are resources available to help make surrogacy financially accessible. Many intended parents successfully fund their journey using the options we discuss later in this article.

Surrogacy Cost Breakdown

Surrogacy involves a variety of expenses, and understanding how these costs are allocated can help you prepare. Below is an approximate percentage breakdown of the total surrogacy cost:

 

• Surrogate Compensation 35% – Surrogate compensation accounts for the time, effort, and commitment surrogates dedicate to the journey. It includes funds for medical co-pays, maternity clothing allowances, travel expenses, and lost wages. This financial support ensures surrogates can focus on a healthy pregnancy without financial strain.

• Agency Fees 21% – Agency fees cover a range of essential services that streamline the surrogacy process, from initial consultations to ongoing case management and legal coordination. These fees ensure intended parents receive expert guidance, access to vetted surrogates, and support throughout the journey.
• Screening and Matching 27% – Screening and matching involves thorough medical, psychological, and background evaluations to confirm the surrogate’s suitability.  By taking time to carefully match surrogates with intended parents, agencies help create strong and trusting relationships, leading to more successful surrogacy experiences.
• Legal Fees 11% – Legal fees cover the drafting and review of surrogacy agreements, ensuring that the rights and responsibilities of all parties are clearly defined. This is essential for establishing parental rights. Each surrogacy case is unique, so working with an experienced attorney is crucial.
• Medical Costs 6% – Medical costs cover essential healthcare expenses for the surrogate, including prenatal care, routine checkups, delivery, and potential unforeseen medical needs.  Some medical costs can fluctuate based on individual circumstances, making it important to plan accordingly.

Some unexpected costs can arise, such as additional medical treatments, pregnancy-related complications, and extended surrogate support services. Building a financial buffer can help cover these contingencies.

Each component is essential in ensuring a safe and successful surrogacy process. Working with a reputable agency can provide financial clarity and security throughout your journey.

Surrogacy and Insurance in Rochester

Insurance coverage for surrogacy expenses varies. While most policies do not cover surrogate compensation or agency fees, they may include pregnancy-related medical expenses. A knowledgeable surrogacy agency can help you navigate insurance options, ensuring that you and your surrogate have the necessary coverage.

Some insurance providers offer supplemental surrogacy policies to cover medical costs related to pregnancy, labor, and delivery. If your current plan does not provide sufficient coverage, exploring additional insurance options may be necessary to protect your financial investment. A surrogacy professional, like an agency worker or legal expert, can help you asses your insurance coverage and find the best path forward.

Why Surrogate Compensation Matters

Surrogate compensation is a major expense in surrogacy, reflecting the dedication and physical effort involved. It helps surrogates support their families while ensuring they receive necessary medical care and financial stability.  It can also help surrogates achieve their own personal goals, like putting a down payment on a house or continuing their education. Fair compensation attracts committed surrogates, leading to a smoother process for intended parents.

Financing Your Surrogacy Journey

Although surrogacy is a significant financial commitment, there are many ways to make it manageable. Intended parents use a combination of savings, financing options, and assistance programs to cover the costs.

Mark and Cody are one couple who successfully financed their surrogacy journey by utilizing a mix of employer benefits, a fertility grant, and a low-interest personal loan. Their story is a testament to the fact that with the right resources, surrogacy is financially possible for many families.

 

You can use the same resources Mark and Cody did to fund your own surrogacy journey. Here are some of the most common resources:

• Personal Savings: Many intended parents gradually build their savings to cover surrogacy expenses, often adjusting their financial plans to make the process feasible. Setting aside funds early can ease the financial burden and reduce reliance on loans or external financing options.
• Grants & Scholarships: Several organizations offer financial assistance to families pursuing surrogacy, including grants, scholarships, and non-profit programs designed to help ease the financial burden. These resources can make the surrogacy journey more accessible for intended parents facing significant costs.
• Employer Benefits: Many companies provide fertility and surrogacy benefits, including financial reimbursements, insurance coverage, and leave policies to support employees on their journey to parenthood.
• Loans: Loans tailored for fertility and surrogacy can ease financial strain by allowing intended parents to make manageable payments over time, helping them budget effectively for the journey ahead.
• Home Equity Financing: Homeowners can leverage a Home Equity Line of Credit (HELOC) to access funds for surrogacy, using their home’s equity as collateral. This option provides flexible borrowing terms, allowing parents to withdraw funds as needed and repay them over time, making surrogacy more financially manageable.
• Crowdfunding: Some intended parents use community fundraising platforms to seek financial support from friends, family, and supporters. These platforms allow them to share their story, engage their network, and raise funds, making surrogacy a more attainable option.

The Benefits of Working with a Surrogacy Agency

Choosing to work with a surrogacy agency can make the process smoother and more predictable. Some of the biggest benefits include:

• Shorter Wait Times: Agencies have established networks of qualified surrogates, allowing intended parents to find a match more quickly than pursuing other methods.
• Thorough Screening: Medical and psychological evaluations ensure surrogates are prepared, reducing risks and delays.
• Financial Security: Agencies manage financial transactions and escrow accounts, ensuring secure, transparent handling of funds and timely payments.
• Comprehensive Support: Agencies assist with legal documentation, medical coordination, and emotional support, ensuring a smooth and stress-free process for intended parents.

Fertility Clinics near Rochester, Minnesota

Fertility clinics play a crucial role in the surrogacy process by overseeing medical evaluations, IVF procedures, and embryo transfers. Below are some local fertility clinics near Rochester, Minnesota:

• Mayo Clinic Reproductive Endocrinology and Infertility – Rochester, MN
• Center for Reproductive Medicine – Minneapolis, MN
• Shady Grove Fertility – Eden Prairie, MN
• Premier Women’s Health – Maple Grove, MN

Surrogacy Agencies in Minnesota

Although surrogates in Minnesota typically live outside of Rochester, several reputable agencies have offices in the state to assist intended parents. The following agencies provide comprehensive surrogacy services:

• American Surrogacy
• Creative Family Connections
• Circle Surrogacy
• Family Source Consultants

These agencies offer support and guidance to ensure that your surrogacy journey is as smooth and stress-free as possible.

Take the Next Step

Surrogacy is a life-changing journey that brings incredible joy to families. If you’re considering surrogacy in Rochester, Minnesota, reach out today to be connected with trusted surrogacy professionals. We can help you find the right resources and support to make your dream of parenthood a reality.

The financial investment in surrogacy can seem daunting, but with the right planning and support, it is entirely achievable. You don’t have to navigate this process alone—contact us today to learn how to make surrogacy work for you.