How Much Does Surrogacy Cost in New York City?

Surrogacy is an incredibly fulfilling way to grow your family. While the emotional rewards are immeasurable, the financial costs associated with surrogacy can sometimes feel overwhelming. However, with planning and support, this journey is within reach for many in New York City.

Understanding the financial commitment involved in surrogacy is a crucial first step. Keep reading to learn more about what you can expect to pay, or reach out to us for help connecting with trusted professionals who can guide you through the entire process.

Total Cost of Surrogacy in New York City

The total cost of surrogacy in New York City generally ranges from $100,000-$200,000+or more, depending on a variety of factors, including the surrogacy agency, the surrogate’s compensation, medical treatments, and legal fees.

While this may seem like a significant investment, it’s important to view surrogacy not just as an expense, but as an investment in your family’s future. Many intended parents are able to manage the costs with the right resources, making surrogacy a realistic option for those ready to take the next step toward parenthood.

Surrogacy Cost Breakdown

Breaking down the cost of surrogacy can help you understand how these expenses are distributed and how to plan effectively. Here’s an overview of the major costs involved:

• Surrogate Compensation and Benefits (35%): Surrogate compensation represents the largest part of your surrogacy expenses.  Fair compensation guarantees the surrogate’s financial stability, allowing the surrogate to focus on your child’s health and well-being. Compensation varies based on factors such as location, experience and agency.
• Medical Expenses (11%): Medical expenses cover everything from fertility treatments to prenatal care, labor, and delivery. Some policies will cover surrogate expenses, while others do not. In some cases, additional insurance may be required.
• Agency Fees (21%): Working with a surrogacy agency provides invaluable support throughout the journey. The agency’s fees cover services like matching you with the right surrogate and managing medical and legal procedures. An agency helps streamline the process, and ensure everything moves forward smoothly.
• Matching & Screening (27%): This process includes medical and psychological screenings to ensure the surrogate’s health and readiness. These screenings, along with the matching process, ensure that everyone involved is fully prepared and aligned in expectations, which increases the likelihood of success.
• Legal Fees (6%): Legal fees ensure that all contracts are in place and parental rights are clearly established. These agreements protect both the surrogate and the intended parents, ensuring everyone’s rights and responsibilities are well-defined throughout the journey.

While surrogacy can be a significant financial commitment, the investment is one that brings immense joy and fulfillment. With proper planning and access to financial resources, surrogacy becomes an achievable option for many.

Surrogacy with Insurance

Insurance plays a critical role in the surrogacy process, particularly when it comes to medical expenses. In some cases, a surrogate’s existing insurance may cover the costs of her care during the pregnancy. However, many policies do not include surrogacy-related procedures, such as IVF or prenatal care.

In these cases, intended parents may need to secure specialized surrogacy insurance, which is designed to cover medical expenses that the surrogate’s insurance does not. This ensures that the surrogate receives the highest level of care and that the intended parents are protected against unexpected medical costs.

The Cost of Surrogate Compensation

Surrogate compensation is one of the most significant costs associated with surrogacy, but it is also one of the most essential. This compensation goes beyond a simple payment; it’s a way to show respect and appreciation for the surrogate’s dedication and sacrifice.

In addition to compensating the surrogate for her time and effort, this amount covers her medical expenses, maternity-related needs, and any time off work. Compensation also supports her family during this challenging, yet rewarding, time. Fair compensation fosters a healthy and supportive relationship, which is essential for a successful surrogacy journey.

IVF Costs vs. Surrogacy Costs

It’s important to distinguish between IVF costs and surrogacy costs. IVF typically costs $10,000 to $20,000 per cycle, depending on the clinic and treatments required. This cost is in addition to the surrogacy expenses and should be factored into your overall budget. IVF may require multiple cycles to succeed, which could increase the overall cost.

Be sure to plan for both IVF and surrogacy expenses as distinct but intertwined parts of the process, and look for financial assistance programs for your IVF.

Financing Your Surrogacy: Strategies and Resources

While the financial aspects of surrogacy may seem overwhelming at first, many resources can help make it more affordable. With careful planning and the right strategies, surrogacy is an achievable goal for many families. Below are some options for financing your surrogacy journey:

1. Personal Savings: The most straightforward way to fund surrogacy is through personal savings. Many intended parents begin by setting up a dedicated savings account for their surrogacy expenses. By saving over time, families can accumulate the funds needed for the process.
2. Grants and Scholarships: There are several organizations that offer grants and scholarships to help cover surrogacy costs. Programs like The Family Building Grant or The Hope for a Family Foundation provide financial assistance to families, particularly those with lower incomes. These grants can ease the burden of costs and make surrogacy more accessible.
3. Employer Benefits: Some employers offer fertility benefits or loans that can be used for family-building purposes. Check with your HR department to see if surrogacy-related expenses are covered under your benefits plan. These programs can help reduce the financial burden of IVF or surrogacy-related fees.
4. Loans: Personal loans are another option for financing surrogacy. Several financial institutions offer fertility-specific loans with flexible repayment terms. This can be a great option for families who need financial flexibility to cover the costs of surrogacy.
5. Home Equity Financing: For homeowners, using a home equity loan or line of credit is an option that offers relatively low-interest rates compared to personal loans. This financing option can provide the funds needed for surrogacy, allowing you to focus on your family-building journey.

Mark and Cody’s Story

Mark and Cody’s journey to parenthood was not without financial challenges, but they didn’t let that stop them. By combining personal savings, a home equity loan, and a grant from a surrogacy foundation, they were able to cover the full cost of their surrogacy journey.

Their story is a testament to how resourcefulness, creativity, and the right support can help make surrogacy a reality. Learn more about their journey:

The Benefits of Working with a Surrogacy Agency

Partnering with a surrogacy agency offers numerous advantages, especially when it comes to reducing the time it takes to match with the right surrogate. Surrogacy agencies have extensive networks of pre-screened, qualified surrogates, meaning you’re more likely to find a match faster than with other methods.

In addition to faster matching, agencies handle much of the logistical work—screening, medical oversight, and legal arrangements—so that you can focus on what truly matters: preparing for your growing family. By streamlining these critical steps, agencies can reduce delays and ensure a smoother, more efficient surrogacy experience.

Surrogacy Agencies and IVF Clinics in New York City

By working with trusted IVF clinics and surrogacy agencies, intended parents can streamline their journey and focus on what truly matters: creating a family.

IVF Clinics near New York City

• New Hope Fertility Center
• CCRM New York
• Weill Cornell Medicine’s Center for Reproductive Medicine

These clinics specialize in IVF and offer cutting-edge treatments, including egg retrieval, embryo creation, and embryo transfer, ensuring you receive the highest level of care.

Surrogacy Agencies near New York City

• American Surrogacy
• Circle Surrogacy
• Growing Generations

Partnering with a reputable surrogacy agency ensures that you’re matched with a qualified surrogate and that the logistics of the process are handled efficiently and professionally.

Begin Your Surrogacy Journey

Surrogacy is a powerful and life-changing journey that offers hope and joy for those looking to build their families. While the costs can seem intimidating at first, many intended parents find that with careful planning, the right resources, and professional support, surrogacy is within reach.

If you’re ready to begin your surrogacy journey or need help connecting with experienced professionals who can guide you through the process, reach out to us today. We’re here to help you take the next step toward creating the family of your dreams.