How Much Does Surrogacy Cost in New York?

For some, the cost of surrogacy in New York may be a challenge; however, there are resources that can make surrogacy more accessible to all kinds of financial backgrounds.

Don’t let costs get in the way of building the family you’ve always dreamed of having.

If you need help learning more about your family’s surrogacy options, we’re here to help. We can point you to the information you’re looking for, or connect you to considerate, unbiased professionals to help you with your process.

How Much Does Surrogacy Cost in New York?

On average, surrogacy costs between $150,000 and $179,000+. For New York families, this cost may increase due to the high costs of living.

People from all kinds of different financial backgrounds have been able to become parents through surrogacy. With enough planning, budgeting, and careful use of financial resources, you can have that opportunity too.

Understanding the cost of surrogacy is the first step on the way to constructing a financial plan. Here’s an overview of the general ways your funds will be used during the surrogacy process:

An Example Surrogacy Cost Breakdown in New York

The biggest factor in determining your overall price will be your choice of surrogacy professional. Different professionals will distribute your funds based on different factors.

For example, some professionals may focus on funding legal work first, while others may focus more on finding and screening potential surrogates.

Here’s an example of what your surrogacy cost breakdown may look like:

No one knows your family better than you. You deserve a surrogacy professional who listens to you, values your input, and shares your priorities.

We can help you match with the best professionals for your specific circumstances. Contact us to be connected to personalized, experienced support.

What’s a Realistic Income for Surrogacy?

There are no income requirements for surrogacy; anyone who can secure the required funds can go through the surrogacy process.

Intended parents often find surrogacy is accessible once they’ve considered all the financial resources at their disposal. For instance, take this couple, who combined savings, loans, home equity and other resources to afford surrogacy.

What Do You Get from Funding a Surrogacy?

Between screening fees, matching fees, agency fees and all the other expenses of surrogacy, it’s easy to lose track of what exactly you’re paying for. While most of your funds go towards legal, medical, or surrogate expenses, portions of your fees provide fundamental, tangible benefits that you can see immediately in your surrogacy process.

• Matching Quickly: Finding a compatible, capable, and dedicated surrogate is an incredibly valuable service agencies are uniquely positioned to provide. Without an agency, finding a surrogate could take years.
• Thorough Screening: Surrogacy isn’t easy. To protect potential surrogates and your embryos, some agencies invest in extremely thorough screening, designed to identify and avoid problems that could otherwise disrupt your surrogacy.
• Financial Security: Setbacks are always a possibility. Agencies that build up financial protections help intended parents retain their funds in unfortunate situations. This service helps intended parents recover and begin again after potentially devastating pitfalls.

If you’d like more details on how surrogacy agencies can benefit you, contact our experts.

Understanding the Cost of Surrogacy in New York

The cost of surrogacy in New York is made up of several smaller expenses.

These expenses may carry individual considerations, and fluctuate based on different factors than those that commonly affect the cost of surrogacy as a whole. Let’s examine some of the most significant costs.

How Much Does Surrogacy Cost with Insurance in New York?

Some insurance policies will cover the medical expenses of policyholders’ surrogates. Some policies will even help contribute to the surrogate’s compensation.

However, most insurance policies either don’t mention surrogacy or specifically exclude surrogate costs from reimbursement.

If your policy doesn’t cover surrogate medical costs, you may need to acquire additional insurance that does. If you choose to work with a surrogacy agency, they may take care of the policy for you, at no additional expense.

How Much Does a Surrogate Cost in New York?

Surrogates nationally average between $50,000 and $70,000+. If your surrogate lives in New York, this cost may increase due to the high cost of living. Surrogate compensation is the largest expense in any surrogacy budget.

This compensation is divided into two fees; base pay and reimbursements. 

Surrogacy reimbursements go towards pregnancy-related expenses the surrogate will encounter. These could include unexpected medical expenses, appointment co-pays, lost wages due to the pregnancy, new maternity clothes and more.

Base pay is your surrogate’s compensation for the physical toll of pregnancy and the time she’s taken to help you grow your family.

This compensation has the potential to significantly impact the surrogate’s life. They may use this compensation to put a down payment on a home or set up a fund for their own children’s education.

How Much Does IVF and Surrogacy Cost?

IVF in New York costs on average about $24,000, including medication. Costs may go as low as $12,000 per cycle and can go high enough to exceed $30,000.

Costs vary based on the clinic you use, the medication prescribed, what kind of monitoring you want, the number of cycles and many other factors.

Affording Surrogacy in New York

Surrogacy is an attainable, affordable process, but there is some work needed for most families before they’ll be able to secure the funding required for the process.

Most families will need to combine a few different resources to put together the funding. For most families, some form of loan makes up a portion of funding.

This might be a surrogacy-specific loan or a personal loan.

You can talk to your local bank, credit union, or surrogacy professional for more information about loans for financing surrogacy.

How to Pay for Surrogacy

The expenses that make up surrogacy are varied and come from many different parts of the process. It only seems right that intended parents tackle the challenge of paying these fees with their diverse collection of resources.

Review this list to see if you can take advantage of a few of these financial opportunities.

Surrogacy Agencies in New York

Surrogacy agencies can play an important role in your surrogacy journey. The resources and professional support they provide are hard for individuals or even other kinds of professionals to fully replace.

If you’re looking for a New York surrogacy agency, consider contacting these firms:

• American Surrogacy
• Surrogacy 4 All (New York)
• Surrogate Solutions (New York)
• The Chosen One (New York)

Fertility Agencies in New York

There’s nothing quite as reassuring as having a knowledgeable, professional, and kind doctor involved in your medical procedures. When you’re ready for embryo creation or IVF surrogacy, consider reaching out to these trusted clinics:

• RMA NY (East Side Manhattan)
• New Hope Fertility (Manhattan)
• Chelsea Fertility NYC (New York)

When Can I Get Started?

Surrogacy operates solely on your timetable. You don’t have to have everything completely figured out before you begin. Sometimes speaking with a professional can help you prepare for your next steps.

If you’re ready, you can start today; if not, we’ll be right here whenever you are ready.