Surrogacy Costs in Fargo, North Dakota: A Simple Guide

Choosing surrogacy to grow your family is a beautiful and life-changing decision, filled with hope and joy. For many in Fargo, North Dakota, surrogacy offers a path to parenthood that once seemed impossible, transforming dreams into reality despite the financial considerations.

Though surrogacy involves a financial commitment, various strategies and resources can make it attainable for many families. Keep reading to learn more about surrogacy costs, or reach out to us for help connecting with surrogacy professionals who can guide you through the process.

How Much Does Surrogacy Cost? A Look at the Total Expenses

The total cost of surrogacy in Fargo, North Dakota, typically ranges from $100,000-$200,000+. The final amount depends on various factors, including agency fees, medical expenses, legal fees, and surrogate compensation.

While this might seem daunting, countless families have successfully made their dream of parenthood a reality through careful planning and available resources. With the right strategy, surrogacy can be accessible for most families.

Surrogacy Cost Breakdown: Understanding the Costs of Surrogacy

Breaking down surrogacy costs can help you understand how each portion of the budget contributes to a successful journey. Here’s how expenses are generally allocated:

• Surrogate Compensation and Benefits – 35%: This portion of the surrogacy budget ensures that the incredible women who choose to become surrogates receive fair and generous compensation for their time, effort, and dedication. Beyond financial support, this compensation helps cover essential costs like maternity care, lost wages, and additional benefits that safeguard the surrogate’s well-being throughout the pregnancy.
• Medical Expenses – 11%: This category covers essential medical procedures, including fertility treatments, prenatal care, and delivery costs, ensuring the health and well-being of both the surrogate and the baby. These expenses also include necessary screenings, medications, and hospital fees that contribute to a safe and successful pregnancy.
• Agency Fees – 21%: These fees cover the comprehensive services provided by surrogacy agencies, ensuring a smooth and professionally managed experience. This includes coordinating the surrogacy process, facilitating communication, offering emotional support, and managing administrative tasks, all of which contribute to a seamless journey for intended parents and surrogates alike.
• Matching and Screening – 27%: This crucial stage ensures that intended parents are paired with a surrogate who aligns with their values, expectations, and medical compatibility. The process includes extensive background checks, medical evaluations, and psychological assessments to create a secure and positive experience for everyone involved.
• Legal Fees – 6%: This portion of the surrogacy budget covers essential legal services, including drafting and reviewing contracts, establishing parental rights, and ensuring compliance with state laws. Legal professionals help safeguard the interests of both intended parents and surrogates, making the process secure and transparent for everyone involved.

These elements work together to ensure a supportive, transparent, and rewarding surrogacy experience for all involved.

How Much Does Surrogacy Cost with Insurance in Fargo?

Insurance coverage for surrogacy varies widely. Most traditional health insurance plans do not cover surrogacy-specific costs like agency fees or surrogate compensation, though they may cover medical expenses related to pregnancy and delivery. If additional insurance is needed, surrogacy agencies can often assist in securing the right coverage.

How Much Does a Surrogate Cost in Fargo?

Surrogate compensation ensures that the women who choose to carry a pregnancy for intended parents are fairly compensated for their time, commitment, and the physical and emotional demands of pregnancy.

In Fargo, surrogate compensation typically accounts for about 35% of the total surrogacy cost. This payment helps surrogates support their families while dedicating months to carrying a child for intended parents.

How Much Does IVF Cost When Combined with Surrogacy?

Intended parents must undergo in embryo creation via IVF before starting the surrogacy process. IVF costs in Fargo range from $24,000 to $28,000 per cycle, including medical procedures, medication, and testing. Multiple cycles may be needed.

Because IVF is often completed before surrogacy agencies become involved, these costs are not typically included in agency estimates for surrogacy expenses. By working with professional and compassionate clinics and using available resources, intended parents can keep IVF costs manageable. 

How to Pay for Surrogacy: Financing Options and Resources

Affording surrogacy may require a combination of financial strategies. Below are some common ways intended parents make their dream of parenthood a reality:

Personal Savings – Many families begin setting aside funds well in advance, gradually building the financial foundation needed to pursue surrogacy. With disciplined planning and budgeting, personal savings can serve as a significant and reliable resource in covering surrogacy costs.

Grants and Scholarships – Various organizations provide financial aid to intended parents, helping to ease the burden of surrogacy expenses. These grants and scholarships are often awarded based on financial need, personal circumstances, or specific eligibility criteria, offering an invaluable resource for those striving to expand their families through surrogacy.

Employer Benefits – An increasing number of companies now offer fertility and surrogacy benefits, helping employees manage the financial aspects of growing their families. These benefits may include coverage for fertility treatments, surrogacy reimbursements, or paid leave, making surrogacy a more feasible option for many intended parents.

Loans – Specialized fertility and surrogacy loans provide intended parents with the flexibility to manage expenses by spreading payments over time. These financial solutions can come from traditional banks, credit unions, or institutions specializing in fertility financing, offering customized terms to suit individual needs.

Home Equity Financing – Homeowners can leverage home equity lines of credit (HELOCs) as a flexible funding source, using their property’s value to secure low-interest financing. This option allows intended parents to access substantial funds while maintaining manageable repayment terms, making surrogacy a more financially feasible choice.

How Mark and Cody Afforded Surrogacy: A Real Success Story

Mark and Cody, like so many before them, held onto hope even when surrogacy seemed financially out of reach. By combining savings, a fertility grant, and a low-interest surrogacy loan, they were able to complete their journey successfully. Learn more about their story and how they made surrogacy work for their family.

Why Partnering with a Surrogacy Agency Saves Time and Reduces Stress

Partnering with a surrogacy agency streamlines the process, offering expert guidance, emotional support, and logistical assistance to ensure a smooth journey. Agencies help reduce wait times by quickly matching intended parents with qualified surrogates. They also handle complex legal processes, medical coordination, and emotional support, ensuring a seamless and stress-free journey.

Local Fargo Fertility Clinics

If you’re considering surrogacy, you’ll need a reputable fertility clinic to handle medical procedures. Here are some clinics near Fargo:

• Sanford Reproductive Medicine Clinic (Fargo)
• Bismarck Fertility Care Center (Bismarck)
• Center for Reproductive Medicine (Minneapolis, MN)

Local Surrogacy Agencies in Fargo

Finding a reliable surrogacy agency can make all the difference. Consider reaching out to one of these agencies:

• American Surrogacy
• ConceiveAbilities
• Circle Surrogacy

These agencies can help you navigate the surrogacy process, from screening to legal requirements and beyond.

How to Afford and Begin Your Surrogacy Journey in Fargo

With the right support and planning, surrogacy in Fargo is a hopeful, transformative journey that brings families closer to their dreams. We’re here to connect you with experienced professionals who can guide you every step of the way. Contact us today to get started on your path to parenthood.