How Much Does Surrogacy Cost in Lakewood Township, New Jersey?

Nestled near New York City, Lakewood Township, New Jersey, boasts a charming Victorian downtown that makes it a unique and welcoming community.

For many hopeful parents exploring surrogacy, Lakewood Township is the perfect place to start a family. However, understanding the cost of surrogacy in New Jersey is crucial before moving forward. The price can range from $100,000-$200,000+, but there are ways to make it more attainable.

Below, we break down your potential expenses and surrogacy financing options. If you’d like to speak with a professional about your situation, just fill out our online form.

Surrogacy Cost Breakdown in Lakewood Township

The cost of your surrogacy journey will depend on several factors, such as the agency you choose, the surrogate’s compensation and your insurance coverage. Below is a sample breakdown to help you better understand the expenses involved.

• Agency Fees: $25,000 to $50,000 for surrogate screening, case management and other support services
• Surrogate Compensation: $45,000 to $70,000 for “reasonable expenses” according to state law
• Legal Fees: $10,000 to $15,000 for contracts and compliance with state laws.
• IVF and Surrogate Medical Care: $30,000 to $50,000, covering egg retrieval, embryo transfer, prenatal appointments and more
• Surrogacy Insurance: $15,000 to $25,000, depending on policy coverage
• Miscellaneous Costs: $5,000 to $10,000 for travel, surrogate breast milk and other expenses

How Much Does a Surrogate Cost in Lakewood Township?

New Jersey law limits surrogate compensation to reimbursement for pregnancy-related expenses only. Surrogates cannot be compensated for their time or the physical toll of pregnancy.

Because New Jersey’s compensation laws are more restrictive, it may be more challenging to find a local surrogate. As a result, many intended parents choose to work with surrogates in other states where full compensation is permitted, allowing for a more flexible and structured arrangement.

How Much Does IVF and Surrogacy Cost in Lakewood Township?

In vitro fertilization is a critical step in the surrogacy process because it creates embryos. This process involves stimulating the ovaries to produce multiple eggs, retrieving those eggs and fertilizing them in the lab. Once embryos are created, they are then implanted into the surrogate’s uterus.

In total, you can expect to pay $30,000 to $50,000 for IVF and surrogate medical care. It’s important to note that many surrogacy agencies do not include IVF costs in their estimates, so you may want to consult with your fertility clinic when budgeting.

How Much Does Surrogacy Cost With Insurance in Lakewood Township?

Insurance coverage for surrogacy-related expenses varies. Most insurance plans exclude surrogacy, but some policies offer partial coverage for IVF or pregnancy-related expenses for the surrogate.

You may need to purchase a surrogacy-specific insurance plan, which can add $15,000 to $25,000 to your budget. Working with a surrogacy agency can help navigate insurance options and secure the right coverage.

How to Pay for Surrogacy in Lakewood Township

Affording surrogacy in Lakewood Township may seem overwhelming, but many intended parents use different strategies to make it more manageable. Options include:

• Loans: There are specialized loans designed for fertility and surrogacy expenses.
• Home Equity Line of Credit: You can borrow against your home’s equity for long-term financing.
• Payment Plans: Some agencies and clinics offer installment-based payment structures.
• Personal Savings: You can use investments and savings to cover your expenses.
• Employer Benefits: Check with human resources to see if your company offers fertility or surrogacy assistance programs.

Get Started Today

Are you considering surrogacy in Lakewood Township? An experienced surrogacy professional can help you navigate the process. Contact us to connect with a local agency and take the next step toward growing your family.