How Much Does Surrogacy Cost in Clifton, New Jersey?

Clifton, New Jersey, is a vibrant and diverse suburb of New York City. It offers a welcoming community for hopeful parents who want to grow their families.

If you live in Clifton and are considering surrogacy, you might be feeling overwhelmed by the potential costs. Understanding how much you need to budget and what financial options are available can make the journey feel more manageable.

Below, you’ll find a detailed breakdown of surrogacy costs in Clifton. Take the next step by filling out our form to receive expert guidance tailored to your needs. We can connect you with a surrogacy professional who can help you with affording surrogacy.

Surrogacy Cost Breakdown in Clifton

The overall cost of surrogacy in Clifton can range from $100,000-$200,000+, depending on various factors. Below is a breakdown of key expenses:

• Surrogacy Agency Fees: $25,000 to $50,000 for screening, matching and support services
• Surrogate Compensation: $45,000 to $70,000 for “reasonable expenses” such as medical bills, living expenses and maternity clothing
• Medical Costs: $30,000 to $50,000 for in vitro fertilization and surrogate medical care
• Legal Fees: $10,000 to $15,000 for drafting contracts and court filings
• Surrogacy Insurance: $15,000 to $25,000, depending on coverage options and whether a special policy is needed
• Miscellaneous Expenses: $5,000 to $10,000 for travel and unexpected expenses

How Much Does a Surrogate Cost in Clifton?

While surrogacy is legal in New Jersey, state laws limit compensation to only “reasonable” expenses directly related to the pregnancy. This means that surrogates can be reimbursed for necessary costs such as medical bills, legal fees, maternity clothing, travel expenses, counseling services and essential living expenses. However, they cannot receive additional compensation for their time and effort.

Because of these restrictions, finding a surrogate within New Jersey can be more difficult. If you want to move forward with your journey, you may want to consider working with a surrogate in a different state.

How Much Does IVF and Surrogacy Cost in Clifton?

In vitro fertilization is a critical step in the surrogacy process, as it allows you to create embryos for transfer to your surrogate. The total cost for fertility treatments and surrogate medical care typically ranges from $30,000 to $50,000. This includes egg retrieval, fertilization, embryo transfer, medications, prenatal appointments and childbirth-related medical costs.

It’s important to note that many surrogacy professionals do not include IVF expenses in their overall cost estimates. To ensure you have a clear financial plan, you should check with your fertility clinic about pricing before beginning the process.

How Much Does Surrogacy Cost With Insurance in Clifton?

Health insurance can play a significant role in surrogacy costs, but coverage varies depending on the plan. Surrogacy-related expenses are typically excluded, but your policy may offer partial coverage for IVF.

If the surrogate’s existing policy excludes surrogacy, a specialized insurance policy may be required, costing $15,000 to $25,000. Once the baby is born, you will need to ensure immediate coverage under your health insurance plan.

How to Pay for Surrogacy in Clifton

Given the high costs of surrogacy, many intended parents explore different ways to finance their journey. Some common surrogacy financing strategies include:

• Surrogacy Loans: Specialized loans for surrogacy can help cover expenses.
• Grants: Some organizations offer financial assistance for intended parents struggling with infertility.
• Employer Benefits: Some employers provide fertility and surrogacy benefits, including reimbursement for medical procedures and agency fees.
• Crowdfunding: Platforms like GoFundMe allow you to raise funds through friends, family, community members and strangers.

Building Your Family Through Surrogacy in Clifton

While surrogacy comes with high costs, there are numerous ways to make it financially feasible. By understanding the expenses, legal considerations and financing options, you can navigate the process with confidence.

Ready to get started? Fill out our contact form, and we’ll connect you with a local surrogacy professional.