Surrogacy By State

How Much Does Surrogacy Cost in Charlotte, North Carolina?

Surrogacy is a deeply rewarding journey, but understanding the surrogacy costs involved is essential before getting started. With the right plan in place, intended parents can confidently navigate the process and take meaningful steps toward growing their families.

By exploring available resources, selecting the right professionals, and structuring a financial plan that aligns with your goals, surrogacy can become an attainable reality.

Fill out our online contact form to learn more about the surrogacy process in depth. We can walk you through the necessary steps to help determine if it could be right for your circumstances.

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In this guide, we’ll outline the key components of the cost of surrogacy in Charlotte, from the factors that influence it to the surrogacy financing strategies that can help make it more accessible.

How Much Does Surrogacy Cost in Charlotte?

In Charlotte, the total cost of surrogacy typically falls between $100,000-$200,000+, depending on your choices and unique circumstances.

Surrogacy costs vary due to several factors, including agency fees, legal expenses, medical procedures, and surrogate compensation

Some of the biggest cost factors include:

Surrogacy Agency Fees: Covers matching services, surrogate support, and coordination.
Surrogate Compensation: Base pay and reimbursements for pregnancy-related expenses.
Medical & IVF Costs: Fertility treatments, embryo transfers, and prenatal care.
Legal & Screening Fees: Ensures contracts are legally sound and surrogates are pre-qualified.
Insurance & Unexpected Costs: Surrogate health insurance and any pregnancy-related complications.

Understanding these costs helps you create a financial plan to make affording surrogacy possible.

An Example Surrogacy Cost Breakdown in Charlotte

The following is an estimated cost breakdown for a full-service surrogacy journey:

North Carolina Surrogacy
Cost Breakdown

Surrogacy Cost Breakdown in North Carolina

Surrogate.com

This surrogacy cost breakdown is just a visual example of how your money could be allocated. Your final surrogacy costs will depend on your agency, clinic, and insurance coverage.

The professional you work with greatly impacts this cost breakdown as different professionals have different services and fee structures.

What’s a Realistic Income for Surrogacy?

There is no specific income requirement for intended parents pursuing surrogacy. The process is open to anyone who can develop a sound financial plan, regardless of income level.

While surrogacy costs require significant funding, many families use a combination of avenues to make their dreams of parenthood possible.

Mark and Cody, for example, always knew they wanted to have children, but they were unsure how they could afford surrogacy.

By researching financial options, securing a surrogacy loan, and leveraging employer benefits, they were able to take manageable steps toward their goal. Through careful planning and resourcefulness, they welcomed their child and made surrogacy a reality.

Like Mark and Cody, many intended parents find that with the right support and financial strategy, surrogacy is within reach.

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How Much Does Surrogacy Cost with Insurance in Charlotte?

Insurance can play a role in managing the cost of surrogacy, but North Carolina does not have laws requiring insurance providers to cover infertility treatments, including surrogacy-related expenses. This means that coverage varies significantly depending on individual policies.

Some insurance plans may cover aspects of the process, such as IVF procedures for intended parents or certain pregnancy-related medical expenses for the surrogate. But many policies explicitly exclude surrogacy, requiring intended parents to purchase a separate insurance plan for their surrogate’s medical care.

If your current plan does not offer coverage, your surrogacy agency or fertility clinic may assist in finding an appropriate insurance policy. Understanding your coverage options early in the process can help you avoid unexpected costs and ensure financial preparedness.

How Much Does a Surrogate Cost in Charlotte?

Surrogate compensation in Charlotte ranges from $50,000 to $70,000+, with some variations based on experience, location, and additional benefits.

Surrogacy compensation is divided into:

Base Pay: Paid to the surrogate for her time, effort, and commitment.
Reimbursements: Covers medical expenses, lost wages, maternity clothing, and travel costs.

How Much Does IVF and Surrogacy Cost?

IVF (In Vitro Fertilization) in Charlotte costs anywhere from $15,000 – $25,000 and that doesn’t include additional costs such as embryo storage and any preimplantation genetic testing if needed.

IVF is a crucial part of surrogacy, and the cost varies by clinic and treatment plan.

Embryo Freezing & Storage: Additional $1,500 – $5,000.
Preimplantation Genetic Testing (PGT): $3,000 – $6,000 per embryo.

Insurance coverage for IVF varies, so it’s essential to review your policy before beginning treatments.

How to Pay for Surrogacy in Charlotte

Surrogacy is a significant investment, but many financial options can help make affording surrogacy possible.

Many families combine multiple resources to cover surrogacy costs efficiently. Here are some of those resources you can utilize:

Personal Savings: Many intended parents use their savings, setting aside money over time to cover surrogacy expenses.
Surrogacy Loans: Specialized fertility loans offer flexible repayment options to help spread costs over time.
Employer Benefits: Some companies provide fertility or surrogacy assistance as part of their employee benefits package, reducing out-of-pocket expenses.
Grants & Scholarships: Organizations dedicated to fertility and family-building offer financial aid to help ease the financial burden of surrogacy.
Crowdfunding & Fundraising: Platforms like GoFundMe allow intended parents to share their journey and receive financial support from family, friends, and their community.

Surrogacy Agencies in Charlotte

Working with a trusted surrogacy agency simplifies the process and ensures compliance with legal and medical requirements.

They have the experience and expertise to ensure a smooth and straightforward process as you look to grow your family.

Surrogacy agencies that serve Charlotte include:

Fertility Clinics in Charlotte

A reputable fertility clinic is essential for a successful journey, providing complete care for the medical steps surrounding surrogacy.

Charlotte has highly rated clinics specializing in IVF and reproductive medicine, including:

Get Started Today

Surrogacy in Charlotte is a life-changing journey, and you don’t have to navigate your surrogacy costs alone.

If you’re ready to explore your options, the best next steps are:

Step 1: Consult a surrogacy professional, get personalized guidance on your options.
Step 2: Review your financial plan, identify how to cover the cost of surrogacy.
Step 3: Begin the matching process, find the perfect surrogate to help grow your family.