Surrogacy By State

What Does Surrogacy Cost in North Dakota?


Expanding your family through surrogacy can be a life-changing experience, but the cost of surrogacy in North Dakota may make the process seem like an inaccessible option.

This is a misconception; even at these high prices, surrogacy can be a realistic, attainable goal for families or individuals in North Dakota.

The cost of surrogacy doesn’t have to keep you from creating the family you’ve been hoping for. Contact us now for help setting your surrogacy up for success.

How Much Does Surrogacy Cost in North Dakota?

Surrogacy in North Dakota costs between $150,000 and $179,000+ on average. This rate will be adjusted based on the cost of living in your surrogate’s home state.

These prices can be intimidating, but remember that surrogacy can be an attainable, realistic goal with the right resources and proactive budgeting.

Understanding how these funds are used and why they’re required can help you see the costs of surrogacy more holistically. Some of the fees that make up the cost of surrogacy include:

Surrogacy agencies facilitate your process, and take care of a huge chunk of the technical work so you won’t have to. These fees cover things like coordination, support, matching services and more.

Surrogates undertake a huge responsibility and physical endeavor that could impact their body for years. This expense compensates them and reimburses them for maternity clothes, lost wages and more.

Both you and the surrogate need legal representation, to ensure everyone’s rights are protected. This fee also covers contract drafting.

Some agencies screen prospective surrogates before matching them with families. This helps keep complications from coming up unexpectedly during the surrogacy process.

These fees cover the cost of various procedures needed during this process, such as fertility treatments for the surrogate, the embryo transfer, delivery costs and other medical interventions.

Some costs like travel expenses, lost wages and costs related to pregnancy complications are hard to predict and can change based on your situation. 

An Example Surrogacy Cost Breakdown in North Dakota

The biggest factor in determining your overall price will be your choice of surrogacy professional. Different professionals will distribute your funds according to different strategies.

For example, American Surrogacy, a top-rated national agency, focuses much of its funding on surrogate recruitment and screening.  According to them, this lets intended parents minimize wait times and avoid unexpected complications down the line.

Here’s an example of how a hypothetical agency may break down your costs:

North Dakota Surrogacy
Cost Breakdown

Surrogacy Cost Breakdown in North Dakota
Surrogate.com

What’s a Realistic Income for Surrogacy?

Surrogacy has no set income requirements. This means any individual with the ability to raise the required funds can become a parent through surrogacy.

While raising the necessary funds may not be easy for every prospective parent, it is possible, and probably more attainable than most realize.

Through careful planning and supplemental resources, most with a steady income and the ability to budget consistently can afford surrogacy.

DID YOU KNOW?

There are many paths available for those looking to finance their surrogacy. Intended parents often use a combination of personal savings, community fundraising, and specialized surrogacy loans to build a financial plan, No one option will be right for everyone.

What Do You Get from Funding A Surrogacy?

With all the fees involved in surrogacy, it can be easy to forget how your funds are used to benefit you. Here are three ways agencies use your funds to provide direct, tangible benefits to your family throughout the surrogacy process:

When weighing the costs and benefits of your possible professional surrogacy partners, make sure to ask them about financial security, health screenings, and wait times.

Understanding the Cost of Surrogacy in North Dakota

The costs of surrogacy in North Dakota can be broken down into smaller costs, which fund different parts of the process. Some of these expenses deserve special attention when planning your finances.

How Much Does Surrogacy Cost with Insurance in North Dakota?

How insurance contributes to surrogacy arrangements is highly variable and can be confusing to navigate without professional help.

Depending on your policy, your insurance may or may not extend coverage to your surrogate. If your policy does cover surrogacy, it may also contribute funds to help you pay your surrogate’s compensation.

If your insurance does not cover surrogacy, you’ll need to secure coverage for your surrogate. If you’re working with an agency, this may be taken care of for you instead of coming out-of-pocket.

How Much Does a Surrogate Cost in North Dakota?

In North Dakota, surrogate compensation averages between $50,000 and $70,000, depending on their cost of living, experience as a surrogate, and relationship with the agency.

Surrogate compensation is the largest single expense in any surrogacy budget. This expense can be divided into two distinct funds.

One is called reimbursement, which is responsible for funding pregnancy-related expenses like maternity clothes, copays and lost wages.

The second fund is called base pay, which exists to compensate the surrogate for her time and dedication and can be used however she sees fit.

How Much Does IVF and Surrogacy Cost?

IVF in North Dakota averages between $24,000 and $28,000 per cycle, including projected medical expenses.

Monitoring and testing may add to this cost, depending on what the medical professionals at your clinic recommend. Insurance may help with this expense.

Surrogacy professionals suggest families pursuing surrogacy complete embryo creation before locating their surrogate. This will help decrease wait times at critical junctures and can speed up the entire process.

Because IVF is often completed before surrogacy agencies are involved, most surrogacy professionals don’t include the cost of IVF in their cost estimates. Be aware of this when planning your finances.

Affording Surrogacy in North Dakota

While surrogacy is attainable for most families, you may need to combine several different resources in order to afford surrogacy.

If you’re considering borrowing funds remember to only borrow from trustworthy, established institutions. 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

Combining a variety of personal and external resources is doubtlessly the best way for most families to afford surrogacy. Here are some resources you may want to explore. Remember, this list is not exhaustive. Asses your resources as well; you may have assets that prove helpful in this process.

Many intended parents save for years, little by little, in order to afford surrogacy.

If you have any profitable investments like long-term mutual funds, these could take care of much of the costs.

Homeowners can take out a Home Equity Line of Credit (HELOC). This method is often overlooked, but it comes highly recommended by economists.

Many charitable organizations offer grants to intended parents. This can be an impactful supplement to assist your budget.

Some companies offer adoption assistance, which can often be extended to surrogacy. Some companies even offer surrogacy-specific benefits.

There are also loans available for intended parents. Surrogacy professionals may offer a financing plan, or they may work with partner organizations like Sunfish or FutureFamily. Be aware of predatory lending and high interest rates. Consult a surrogacy professional for more information and personalized advice. 

Surrogacy Agencies in North Dakota

For intended parents, surrogacy agencies often provide essential services, like legal support, surrogate screening and supplemental insurance policies. If you’re looking for a surrogacy agency in North Dakota, consider contacting these firms.

Fertility Agencies in North Dakota

Working with a quality fertility agency during your surrogacy journey can make all the difference. When you’re ready to begin your process, reach out to a local fertility clinic in North Dakota.

When Can I Get Started?

You can start as soon as you’d like, even right now. There is no timeline attached to surrogacy; you don’t have to wait any longer to begin building the family you’ve always wanted.

We can help put you in contact with experienced, personable surrogacy professionals. Contact us today to get started.

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