How Much Does Surrogacy Cost in Paterson, New Jersey?

Once known as the Silk City for its thriving silk industry, Paterson has long been a place where families built their futures. Today, many hopeful parents in Paterson are looking to start or grow their families through surrogacy.

While the financial aspect of surrogacy can be overwhelming, understanding the costs involved can help you plan effectively. Surrogacy costs in New Jersey typically range from $100,000-$200,000+, but there are various financing options to make this journey more accessible.

Want more information about surrogacy? Fill out our form, and we’ll help you get in touch with a local surrogacy professional.

Surrogacy Cost Breakdown in Paterson

Surrogacy costs add up, but knowing where your money goes can make the process feel more manageable. Here’s a breakdown of the key expenses you should expect:

• Surrogate Compensation: $45,000 to $70,000 for medical costs, living expenses, legal fees and other surrogacy- or pregnancy-related expenses
• Agency Fees: $25,000 to $50,000 for matching, case management and coordination services
• Legal Fees: $10,000 to $15,000 for contracts and legal representation
• Medical Costs: $30,000 to $50,000 for in vitro fertilization and surrogate medical care
• Surrogacy Insurance: $15,000 to $25,000, depending on policy coverage
• Miscellaneous Expenses: $5,000 to $10,000 for travel and other costs

How Much Does a Surrogate Cost in Paterson?

New Jersey law does not permit compensation for time and effort. However, surrogates can be reimbursed directly for “reasonable expenses.” This includes:

• Pregnancy-related medical costs
• Maternity clothing
• Legal fees
• Counseling services
• Living expenses such as food and utilities

Because compensation laws are more restrictive in New Jersey, it may be harder to find a local surrogate. Many hopeful parents choose to work with surrogates in states where full compensation is allowed.

How Much Does IVF and Surrogacy Cost in Paterson?

In vitro fertilization is an essential part of the surrogacy medical process because it creates the embryos you’ll transfer to a surrogate. The process involves egg retrieval, fertilization, embryo freezing and embryo transfer. In total, you’ll need to pay $30,000 to $50,000 for IVF and surrogate medical care, such as prenatal appointments and childbirth.

Most surrogacy agencies do not include IVF costs in their pricing estimates, so you will want to factor in this additional expense when budgeting.

How Much Does Surrogacy Cost With Insurance in Paterson?

Some health plans may partially cover IVF or medical expenses for the surrogate, but most specifically exclude surrogacy. If there are gaps in coverage, you may need to purchase a specialized surrogacy insurance policy, which can cost between $15,000 and $25,000.

Working with a surrogacy agency can help you navigate insurance options and ensure your surrogate has proper medical coverage.

How to Pay for Surrogacy in Paterson

Affording surrogacy may seem daunting, but there are multiple surrogacy financing options available. Many intended parents use a combination of the following methods:

• Loans
• Home equity line of credit
• Grants
• Payment plans
• Personal savings
• Investments
• Support from family and friends
• Employer benefits

Get Started on Your Surrogacy Journey in Paterson

Surrogacy in Paterson, New Jersey, is possible with the right planning and resources.

If you’re ready to take the next step, we can connect you with local professionals who can help you fulfill your dream of parenthood. Reach out today to learn more.