How Much Does Surrogacy Cost in South Dakota?

The cost of surrogacy in South Dakota can be a challenge to anyone wanting to complete the process, but it shouldn’t be an obstacle. Surrogacy can be an accessible, attainable goal.

You don’t have to let prices stand between you and the family you’ve always wanted.

With careful budgeting and purposeful use of key financial resources, intended parents of all different financial backgrounds can complete the surrogacy process.

Keep reading to learn about the costs of surrogacy, how your funds are used, what you’ll get for your money, and different strategies to afford the process. If you need more information or would like to talk with a knowledgeable professional, contact us today.

How Much Does Surrogacy Cost in South Dakota?

Surrogacy costs in South Dakota range from $150,000 to $179,000+ on average.  Depending on your surrogacy professional and your surrogate’s home state, this may change.

Many intended parents find this price surprising and disappointing, but it’s important to stay positive. Surrogacy is an attainable goal for most families, even at this high price point.

Understanding the costs of surrogacy is an essential part of making a financial plan. Here’s a brief overview of what your funds are used for during surrogacy:

An Example Surrogacy Cost Breakdown in South Dakota

The biggest determining factor in your overall price will be deciding which surrogacy professional to work with. Each professional has unique methods of funding distribution.

For example, some agencies choose to fund extensive pre-screening to ensure the surrogates they work with will be safe and committed throughout the entire process. Our partner agency American Surrogacy, only accepts 2% to 3% of surrogate applications, so that families know they’re working with the best possible surrogacy partners.

Here is an example of how your fees may be used by an agency:

What’s a Realistic Income for Surrogacy?

There is no required income range to move forward with surrogacy – the only requirement is funding. While income and funding can be related, intended parents often rely on external resources to build their surrogacy budget. These may be community fundraising, grant funds, home equity or others.

What Value Do You Get for the Costs of Surrogacy?

Agency fees, matching fees, screening fees — you may feel that these provide no actual benefit to your growing family. However, these expenses directly impact you. Here are three ways an agency can subtly improve your surrogacy experience:

• Matching Quickly: Some agencies can match intended parents with potential surrogates within a month. The freedom of choice and personal agency this control gives intended parents can be extremely fulfilling, especially for those who have struggled in their past efforts to build a family.
• Thorough Screening:  Surrogacy is a hard job, and not everyone who wants to be a surrogate can be. By screening potential surrogates before matching them with intended parents, agencies can help your family avoid failed gestation or surrogacy interruptions.  Our partner agency American Surrogacy only approves around 2% of the surrogates who apply.
• Financial Security: The best agencies take measures to ensure your financial assets are protected throughout this process. Agencies often help absorb unexpected expenses that could come up during the process, like the cost of an extra insurance policy.

Finding an agency that will provide these benefits could have a very positive impact on your surrogacy experience overall.

Understanding the Cost of Surrogacy in South Dakota

The cost of surrogacy isn’t one unified fee, but a collection of smaller fees. While most of these can be safely bundled and left for your agency to work out, some costs require a measure of special attention.

How Much Does Surrogacy Cost with Insurance in South Dakota?

Insurance coverage for surrogacy should be discussed with your policy provider or a surrogacy professional.

Some insurance policies will extend your coverage to surrogates, or even contribute to your surrogate compensation. Policies like these are rare; it’s much more common to have an insurance policy that excludes surrogate costs or doesn’t mention them at all.

If your insurance doesn’t extend coverage to your surrogate, you’ll have to obtain an additional policy in her name. You could cover the policy out-of-pocket, but if you’re working with an agency you may not need to. High-quality agencies may cover the costs of additional policies for you.

How Much Does a Surrogate Cost in South Dakota?

Surrogate compensation in South Dakota averages between $50,000 and $70,000+. This fee may change based on where your surrogate lives. This will be the largest single expense in your budget.

Compensation is made up of two distinct fees. It can be broken down into base pay and reimbursement. Reimbursement is meant to help the mother purchase pregnancy-related items, like maternity clothes, and also to compensate the surrogate for unforeseen expenses that may be a result of her pregnancy, like lost wages.

Base pay can be thought of as a surrogate’s monthly income you pay her to acknowledge her dedication and commitment to helping you grow your family.

How Much Does IVF and Surrogacy Cost?

The cost of IVF in South Dakota typically ranges from $14,000 to $24,000. Depending on the clinic’s pricing, the prescribed meds and tests ordered, costs can rise to exceed $30,000 per round. Your insurance and employee benefits may be able to help with these costs.

Most surrogacy professionals recommend completing IVF before pursuing a surrogacy match. This will help speed up the entire process. Because of this, surrogacy professionals typically leave the cost of IVF out of their overall price estimates. Be sure you’re aware of this during your budget planning.

Affording Surrogacy in South Dakota

While surrogacy can be expensive, families have many resources to help make it an attainable option.

Surrogacy loans are one of the most popular and most accessible resources available to intended parents. If you’re considering borrowing money to help finance your surrogacy, you may want to investigate surrogacy-specific loans or home equity-backed borrowing. These methods could result in better terms for your repayment plan.

To learn more about your financing options, consult your surrogacy professional, your local credit union or your bank.

How to Pay for Surrogacy

There are several different expenses included in surrogacy; most intended parents choose to combine a similarly varied collection of financial resources to address them.

This list may help you begin your list of possible resources to draw from. Remember, this is just a starting point. Take time to go over your personal assets and ideas we haven’t mentioned, and consider how you may be able to leverage them to grow your funds.

Surrogacy Agencies in South Dakota

Surrogacy agencies provide essential resources for your surrogacy journey. If you’re looking for an agency in or near South Dakota, consider contacting these professionals:

• American Surrogacy
• Dakota Surrogacy (Sioux Falls)
• Hope Surrogacy (Deephaven, MN)

Fertility Agencies in South Dakota

Fertility clinics are a core component of any surrogacy. Finding quality care for you and your surrogate can vastly improve your experience of the surrogacy process. Consider contacting these clinics:

• Sanford Fertility & Reproductive Medicine (Sioux Falls)
• Sanford Reproductive Medicine Clinic (Fargo ND)
• Bismarck Fertility Care Center (Bismarck ND)

When Can I Get Started?

You can get started as soon as you’d like – surrogacy operates on your timeline. You don’t have to wait any longer to start building the family you’ve always wanted.

When you’re ready to begin, contact us. We can help connect you with considerate professionals, capable of helping you through your entire surrogacy process.