Surrogacy By State

How Much Does Surrogacy Cost in Pennsylvania?


For prospective parents looking for a way to grow their family, the cost of surrogacy in Pennsylvania could seem insurmountable.

While surrogacy is expensive, it can also be an accessible, affordable option for families of all different financial backgrounds.

As you read, you’ll learn more about the finances of surrogacy and the resources that could help your family welcome a new child.

When you’re ready, contact us. We can help you through this journey, and connect you to compassionate professionals in your local area.

How Much Does Surrogacy Cost in Pennsylvania?

In Pennsylvania, the average cost of surrogacy falls between $150,000 and $179,000+. While this price can cause distress for some intended parents, it’s important to keep in mind that surrogacy can still be a viable option for you, even at these high price points.

One of the first steps towards funding your surrogacy should be to understand why the process is so expensive, and what your funds are used for. Here’s a brief overview:

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 Pennsylvania

The decision with the most impact on your overall cost will be which surrogacy professional you choose to work with.  Some professionals’ fees can push the total cost well past the previous estimate.

On the other hand, be wary of firms that advertise a significantly less expensive rate. Some professionals cut corners, take unwise risks and hide fees to keep their public-facing cost estimates low – even if the actual cost to their customers is much higher.

Pennsylvania Surrogacy
Cost Breakdown

Surrogacy Cost Breakdown in Pennsylvania
Surrogate.com

What’s a Realistic Income for Surrogacy?

There is no set income limitation for intended parents. As long as the necessary expenses are paid, anyone can become a parent through surrogacy.

While raising funds will be easier for those with disposable income, almost anyone can make these same goals by budgeting carefully and using their resources purposefully.

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 Value Do You Get for the Costs of Surrogacy?

Surrogacy is a complicated process, and for intended parents how their funds are being spent can be hard to keep track of. When you work with a surrogacy agency, your funding comes back to you in the form of beneficial services you may otherwise not have access to:

When considering the cost of surrogacy, make sure to ask any agency you are working with about their wait times, screening standards and financial protection.

Understanding the Cost of Surrogacy in Pennsylvania

As we’ve discussed, the overall cost of surrogacy is made up of smaller fees, which help fund each part of this complex process. However, there are a few larger fees that could significantly impact the cost of surrogacy in Pennsylvania:

How Much Does Surrogacy Cost with Insurance in Pennsylvania?

Managing insurance coverage can be a frustrating part of surrogacy. Some insurance plans extend your coverage to your surrogate automatically, and may even contribute to your surrogate’s compensation.  However, this is somewhat uncommon.

It’s much more common for your insurance not to cover your surrogate at all. If this is your situation, you’ll need to secure coverage for your surrogate before gestation.

If you’ve chosen to work with a surrogacy agency, they may be able to obtain coverage for your surrogate instead of you. Some agencies will even do this at no additional charge.

How Much Does a Surrogate Cost in Pennsylvania?

Surrogate compensation averages between $50,000 and $70,000+, depending on the surrogate’s experience and the cost of living in your surrogate’s home state.

Your surrogate’s compensation will be the largest single expense in your surrogacy budget. The compensation is two distinct funds: base pay and reimbursements.

Reimbursement is extra funds to help your surrogate cover the expenses related to her pregnancy. This will cover things like maternity clothes, lost wages, medical expenses and co-pays, travel expenses and more.

Base pay goes directly to your surrogate. Surrogates volunteer months of dedicated time, energy, and invasive medical treatments to help you fulfill your dreams of growing your family. This compensation is a great chance to reciprocate this generosity. Many surrogates use their base pay to help improve their own family’s life, with things like a down payment on a new home or starting a college fund for their own children.

How Much Does IVF and Surrogacy Cost?

IVF in Pennsylvania typically ranges from $11,000 to $20,000. Costs can rise to exceed $30,000, depending on prescribed medication, ordered tests, requested monitoring services and clinical prices. Your insurance may help cover this expense.

Because surrogacy professionals recommend completing IVF before pursuing surrogacy, creating an embryo is not included in many surrogacy cost estimates. Be aware of this while planning your surrogacy budget.

Affording Surrogacy in Pennsylvania

Surrogacy can be a realistic goal for you, but it’s not always easy. For most intended parents, there will be some significant work involved in pursuing surrogacy, specifically around fundraising.

For most intended parents, borrowing money is an essential resource. Loans are often the most accessible form of funds available and may be significant enough to complete your surrogacy budget. These may offer more favorable terms than regular loans.

Be sure to only borrow from trusted institutions, and to consider the impact loan payments may have on your family down the line. If you’re considering supplementing your funds with a loan, be sure to read about home equity and surrogacy-specific loans below.

How to Pay for Surrogacy

Intended parents often will need to combine different resources to fund their surrogacy. Here you’ll find a few resources you might be able to use to help your financial plan. This list is only the beginning – be sure to consider your circumstances and incorporate any unique assets we don’t mention here.

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 Pennsylvania

Pennsylvania surrogacy agencies provide crucial support to intended parents and can be vital resources throughout the process. If you’re looking for a local Philadelphia agency, consider contacting one of these firms:

Fertility Agencies in Pennsylvania

Fertility agencies are involved in surrogacy from the very beginning. Start your process off surrounded by compassionate, attentive professionals with these local clinics:

When Can I Get Started?

You can start your surrogacy process whenever you want, today even. There’s no need to wait to begin creating the family you’ve always dreamed of having.

Whether you’re ready to begin your journey or you need more information, get in touch with us. We can help connect you to expert surrogacy professionals.

Get Started