What Does Surrogacy Cost in New Jersey?

While you may have decided that surrogacy is right for you the cost of surrogacy in New Jersey may make you wonder if it’s possible.

However, surrogacy is still attainable and legal in New Jersey. Here we’ll discuss methods to help adjust to New Jersey’s unique surrogacy laws, and determine what path to surrogacy is right for your family.

Surrogacy is an attainable goal and can impact your family for the rest of your life. When you’re ready to get started, contact us for resources and connections.

How Much Does Surrogacy Cost in New Jersey?

Discerning the true cost of surrogacy in New Jersey is complicated by the unique legal situation, however, the estimated total costs fall between $150,000 and $179,000+. These prices may shock some intended parents. It may be helpful to know that this price is far more attainable than it may seem; a plethora of financial resources are available for parents seeking surrogacy. We’ll discuss these resources later in the article. First, let’s break down the funds involved in surrogacy:

New Jersey Surrogacy Laws

In New Jersey, compensated surrogacy is unenforceable, meaning that altruistic or unpaid surrogacy is the main way of conducting surrogacy in-state. New Jersey Surrogates can be compensated for their hospital bills and most other pregnancy-related expenses.

If there is someone in your life who qualifies and volunteers to be a surrogate without pay, your surrogacy can be completed in New Jersey.

However, if you’d like to work with an experienced surrogate and take advantage of the matching and screening services provided by professional agencies, you’ll most likely need to work with a surrogate out-of-state.

Being open to working with surrogates across the country can also help lower your wait times and increase the chances of finding a surrogate that checks all your boxes.

An Example Surrogacy Cost Breakdown for Out-of-State Surrogates

Whether you work with a surrogate in-state or out-of-state, a surrogacy agency could greatly benefit you. Agencies provide crucial support and essential services to both intended parents and their surrogate throughout the process.

Your choice of professional to establish your surrogacy with will impact the entire process, and may significantly alter your final price. Different professionals choose to focus on different aspects of the surrogacy process and distribute your funds accordingly.

Here’s an example of what your funding breakdown may look like if you choose to work with a surrogate out-of-state. As for surrogates in-state, the costs will be mostly the same, except for surrogate compensation. And remember, finding a surrogate willing to go through the process without compensation could be quite a challenge.

You deserve to work with a surrogacy professional that shares your priorities and values your feedback. We can connect you with professionals ready to provide personalized support. Contact us today to connect with professionals that fit your needs.

What’s a Realistic Income for Surrogacy?

There are no income requirements for surrogacy. Anyone who can raise the required funds can become a parent through surrogacy at any time. Though fundraising may be challenging, it is accessible for most with a steady income and the ability to budget consistently.

Understanding the Cost of Surrogacy in New Jersey

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 New Jersey?

Insurance may or may not contribute to your surrogacy. Some plans will help cover your surrogate’s medical expenses. Some insurance policies may even contribute to your surrogate’s compensation if you’re working with someone out-of-state.

However, some insurance policies specifically state surrogacy expenses are not covered, and others don’t mention surrogacy expenses at all. If these apply to your insurance, you’ll likely need to obtain additional coverage for your surrogate.

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 New Jersey?

New Jersey law specifies that surrogates cannot be paid beyond “reasonable expenses.” Established precedent demonstrates that surrogates may be compensated for the tangible expenses associated with pregnancy.

This means things like medical bills and maternity clothes, but not the surrogate’s time or physical toll of pregnancy.

If you choose to work with a surrogate out of state, you’ll be able to compensate them for the hard work and dedication they put into ensuring your child has the best start possible. Nationally, surrogate compensation averages between $50,000 and $70,000+.

Surrogate compensation is often the largest single expense in a surrogacy budget and can be a life-changing event for your surrogate. Some surrogates use their compensation to put a down payment on a home, pay off their student loans or set up a savings plan for their own children’s education.

How Much Does IVF and Surrogacy Cost?

IVF in New Jersey can cost between $15,000 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.

What Value do you get for the Costs of Surrogacy?

You may be asking yourself, what does any of this mean for me? How do these services and their high fees help with my family’s surrogacy journey?

There are three defining services where you can see your surrogacy agency converting your funds into an expedited and secure surrogacy process:

• Matching Quickly. Finding a surrogate for your family can be one of the hardest steps in this process. One of the key benefits of working with an agency is quick and relatively simple matching, facilitated by experts.
• Thorough Screenings. Being a surrogate isn’t an easy job, and only a small percent of applicants are approved for the process. By screening early, agencies save you from scenarios where you spend thousands establishing a connection with a surrogate who cannot complete the process.
• Financial Security. No matter how careful everyone is, setbacks and pitfalls are always a possibility. In this eventuality, you’ll want an agency that provides financial protection against unexpected challenges.

If you’re still weighing the benefits and costs of surrogacy in Nebraska, ask a representative about wait times, screening standards and financial protections.

Affording Surrogacy in New Jersey

While surrogacy is expensive, plenty of families find that through careful financial planning, surrogacy can be an accessible option. Intended parents come from all different kinds of financial backgrounds, and by using their resources creatively and carefully, have found surrogacy an attainable method to grow their family.

One of the most common resources intended parents use is surrogacy loans. These can be specialized to surrogacy or general personal loans.  

You can talk to your local bank, credit union, one of the specialist companies listed below or even your surrogacy professional to learn more about these resources, and how borrowing money may affect your family’s future.

How to Pay for Surrogacy

Many intended parents use financial resources to build out a robust financing plan. Remember that this list isn’t exhaustive – make sure to assess your finances and consider what kinds of payment options you may be able to leverage during this process.

Surrogacy Agencies in New Jersey

Surrogacy agencies can provide intended parents with many crucial resources and can help keep wait times and unforeseen complications low with matching and pre-screening services. If you’re looking for a professional partner to help your surrogacy journey in New Jersey, consider these agencies:

• American Surrogacy
• Creative Family Connections (Montvale)
• Rite Options (Garden City, NY)

Fertility Agencies in New Jersey

Every gestational surrogacy begins with an IVF clinic. Working with a supportive, compassionate clinic can make all the difference in your surrogacy journey. Consider reaching out to our trusted New Jersey physicians:

• Reproductive Science Center of New Jersey (Eatontown, Toms River and Lawrenceville)
• Center for Reproductive Medicine & Fertility (Voorhees)
• Fertility Institute of NJ & NY (Oradell)

When Can I Get Started?

There’s nothing stopping you from starting your surrogacy journey today. Contact us when you’re ready. We can help connect you to experienced professionals who can help you build the family you’ve always wanted.