Surrogacy By State

How Much Does Surrogacy Cost in Rhode Island?


The cost of surrogacy in Rhode Island may be distressing to some intended parents, but don’t be discouraged. Surrogacy is attainable for you and your family.

As you read, we’ll give you the resources you need to make surrogacy an accessible, affordable way to grow your family.

Connect with us for help and support throughout your surrogacy process. We can help you formulate your financial plan, or put you in touch with expert professionals ready to help.

How Much Does Surrogacy Cost in Rhode Island?

In Rhode Island, surrogacy costs between $150,000 and $179,000+ on average.  These prices can be shocking, but even at these price points surrogacy can be an attainable goal.

Intended parents come from a wide variety of different financial backgrounds. Many make use of financial resources to afford surrogacy, which you can learn more about toward the end of this article.

The first step to dealing with these costs is to understand why they exist, and how your funds will be used during the surrogacy process.

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 Rhode Island

Many factors contribute to your overall cost, but none are as significant as your choice of surrogacy professional. Consider this decision carefully, as it will impact every aspect of your surrogacy.

Different agencies adjust their fees based on their internal strategies, the rules and regulations of your area and your unique circumstances. For example, some agencies focus their funding on recruiting surrogates to minimize wait times.

Here is an example of what your fee breakdown may look like:

Rhode Island Surrogacy
Cost Breakdown

Surrogacy Cost Breakdown in Rhode Island
Surrogate.com

What’s a Realistic Income for Surrogacy?

There are no set income requirements to become a parent. Anyone with the necessary funding can go through the surrogacy process. While higher incomes will help in the effort to raise surrogacy funds, the process can be accessible to anyone.

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 Paying for Surrogacy?

Between agency fees, matching fees, screening fees and more, it’s easy to lose track of exactly how your funds are being spent. Agencies use your fees to provide you with tangible benefits you likely wouldn’t receive from other surrogacy professionals.

When considering the cost of surrogacy in Rhode Island, 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 Rhode Island

The costs of surrogacy can be broken down into several smaller fees, as we’ve already seen. Each of these can fluctuate depending on various factors, including cost of living, medical needs, professional of choice and more. Let’s examine some of the most significant cost considerations.

How Much Does Surrogacy Cost with Insurance in Rhode Island?

Some insurance policies will help cover your surrogate’s medical expenses, and may even contribute to your surrogate’s compensation. This is uncommon though; insurance excluding surrogates is much more common. In this instance, you’ll need to obtain additional insurance.

Managing insurance is one of the benefits of working with a surrogacy agency. Your agency may help secure coverage for your surrogate at no additional cost.

How Much Does a Surrogate Cost in Rhode Island?

Surrogates in Rhode Island are paid between $50,000 and $70,000+. Depending on where your surrogate lives, this fee may be adjusted for the cost of living. This will be the largest expense in your surrogacy budget.

Surrogacy compensation is divided into two funds. One of the funds, reimbursements, covers expenses like travel, maternity clothes, medical copays and more.

Base pay is a more traditional payment, compensating your surrogate for her dedication and the months of lifestyle changes she has committed to help you grow your family.

How Much Does IVF and Surrogacy Cost?

IVF in New Jersey can cost between $13,000 and $30,000 per cycle, depending on the medication prescribed and the chosen clinic. IVF is essential to the surrogacy process, and completing embryo creation before contacting a surrogacy agency will greatly increase the speed of the entire process.

IVF is a cost you’ll need to factor into your surrogacy finances. Be aware that most surrogacy professionals don’t include the cost of IVF in their estimates, so you’ll have to project figures based on the costs your chosen clinic quotes you.

Because of the nature of finding a surrogate and the limited population of Rhode Island, there’s a good possibility that you‘ll end up matching with an out-of-state surrogate. You can still work with the clinic of your choice for IVF; fertility clinics have the means to safely transport embryos.

Affording Surrogacy in Rhode Island

Surrogacy is expensive but can be within your reach.

For most families, a loan may be used for a portion of their budget. If you’re considering borrowing money to afford surrogacy, be sure to read about home equity and surrogacy-specific loans. These methods may let you borrow money on slightly more favorable terms.

If you want to learn more about your financing options, you can contact your local bank, credit union or surrogacy professionals.

How to Pay for Surrogacy

Most families choose to approach fundraising for surrogacy by combining several different financial resources into one fund. This list may give you a starting point for your resource gathering.

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 Rhode Island

Surrogacy agencies provide essential resources to intended parents and could help your surrogacy process go smoothly. Consider contacting these surrogacy agencies in and around Rhode Island:

Fertility Agencies in Rhode Island

Fertility clinics are involved in the entire surrogacy process. Consider reaching out to these fertility clinics based in and around Rhode Island:

When Can I Get Started?

You don’t have to wait any longer to begin the family you’ve always wanted. Surrogacy is available on your timeline; you can even start right now.

For help connecting with experts and support through every stage of your surrogacy journey, contact us today.

Get Started