How Much Does Surrogacy Cost in Jersey City, New Jersey?

Jersey City, known as the “Golden Door” to America, offers a welcoming and diverse community for intended parents looking to start their family through surrogacy.

As you begin this journey, it’s important to understand the financial commitment. Surrogacy costs in New Jersey can be expensive, ranging between $100,000-$200,000+. Fortunately, there are ways to make this process more accessible.

Below, we’ll break down key surrogacy expenses and explore financing options to help you move forward with confidence. Want more information? Fill out our form to get in touch with a surrogacy professional.

Surrogacy Cost Breakdown in Jersey City, New Jersey

Every surrogacy journey is different, and the costs involved can vary based on multiple factors. Here’s a breakdown of your potential expenses:

• Surrogate Compensation: $45,000 to $70,000 for living expenses, counseling and more
• Agency Fees: $25,000 to $50,000, covering matching services, support and coordination
• Legal Fees: $10,000 to $15,000 for contracts and court filings
• Medical Expenses: $30,000 to $50,000, including in vitro fertilization and surrogate medical care
• Surrogacy Insurance: $15,000 to $25,000, depending on coverage
• Miscellaneous  Costs: $5,000 to $10,000 for things like travel and surrogate breast milk

How Much Does a Surrogate Cost in Jersey City?

In Jersey City, the cost of a surrogate typically ranges from $45,000 to $70,000. However, New Jersey’s surrogacy laws only allow intended parents to cover “reasonable expenses” for the surrogate, such as living costs, medical care, maternity clothing, legal fees and travel.

While these tangible expenses can be reimbursed, the law does not permit compensation for the surrogate’s time, effort and emotional commitment. If you choose to work with an out-of-state surrogate where compensation laws differ, you may face higher costs.

How Much Does IVF and Surrogacy Cost in Jersey City?

In vitro fertilization is an important part of surrogacy because it creates the embryos you will transfer. A single IVF cycle typically ranges from $15,000 to $30,000.

It’s important to note that many agencies don’t include IVF expenses in their estimates. Be sure to account for these costs when budgeting for surrogacy. In total, you can expect to pay $30,000 to $50,000 for IVF and surrogate medical care, such as prenatal appointments, medications and labor and delivery,

How Much Does Surrogacy Cost With Insurance in Jersey City?

Some insurance plans cover certain aspects of surrogacy, such as prenatal care for the surrogate or IVF treatments for the intended parents. However, many policies explicitly exclude surrogacy-related costs.

If your insurance does not cover surrogacy, you may need to purchase additional coverage for your surrogate, which can cost between $15,000 and $25,000. Consulting with a surrogacy agency or insurance specialist can help you understand your coverage options.

How to Pay for Surrogacy in Jersey City

Affording surrogacy can seem difficult, but there are financing options to make it more attainable. Many intended parents use a combination of the following strategies:

• Surrogacy loans
• Grants
• Payment plans
• Personal savings and investments
• Crowdfunding
• Employer benefits

By exploring multiple financing avenues, you can develop a plan that aligns with your financial situation and family goals.

Start Your Surrogacy Journey in Jersey City Today

Surrogacy is a significant investment, but the reward of growing your family makes it worthwhile.

If you’re ready to begin, fill out our form to connect with a surrogacy professional today. They can guide you through the process and direct you to the right resources.