Surrogacy Cost in Broken Arrow, Oklahoma: A Simple Guide

Surrogacy is a transformative journey that brings families together, offering hope and the joy of parenthood in Broken Arrow, Oklahoma. While the emotional rewards are immeasurable, the cost of surrogacy can present challenges. For many, the financial investment is a significant hurdle, but it’s important to know that it’s possible to navigate these costs with the right planning and resources.

If you’re wondering how much surrogacy costs, keep reading to explore the details. Alternatively, reach out to us today, and we can help you connect with experienced professionals who will guide you through the financial aspects of your surrogacy journey.

Total Cost of Surrogacy

The cost of surrogacy in Broken Arrow typically ranges from $100,000-$200,000+. This wide range accounts for various factors, such as surrogate compensation, medical expenses, agency fees, and legal costs. Each surrogacy journey is unique, and these costs reflect the comprehensive nature of the process, from finding a qualified surrogate to ensuring safe medical procedures and legal protections.

While the price tag can seem overwhelming, it’s important to know that for many intended parents, this investment is accessible with the help of financial resources like savings, loans, grants, and employer benefits. You’re not alone in this, and many families have successfully navigated surrogacy through smart financial planning and support.

Surrogacy Cost Breakdown

Here’s a closer look at how the costs generally break down in the surrogacy process:

• Surrogate Compensation and Benefits (35%): Surrogates are incredibly selfless individuals, and their compensation ensures they’re supported throughout the entire process. This includes medical care, maternity clothes, and expenses for the surrogate’s family.
• Medical Expenses (11%): This portion covers fertility treatments, embryo transfers, and other medical procedures related to the pregnancy. Your surrogate’s health is top priority, and these expenses ensure the process is as smooth and safe as possible.
• Agency Fees (21%): Surrogacy agencies offer support in areas like matching, counseling, and logistical coordination. These agencies help make the process more efficient and stress-free.
• Matching & Screening (27%): Finding the right surrogate is critical. This fee goes toward the extensive medical and psychological screening required to ensure the surrogate is fully prepared and the match is ideal.
• Legal Fees (6%): Legal professionals safeguard your parental rights and ensure that contracts are in place to protect both the intended parents and the surrogate throughout the journey.

Surrogacy and Insurance

Navigating insurance can be tricky, but many intended parents find ways to make it work. Some health insurance policies cover certain aspects of surrogacy-related medical care, while others may require you to purchase separate policies. Contact your policy provider or your surrogacy professional for tailored guidance.

Surrogate Compensation

A surrogate’s compensation isn’t just a paycheck; it’s a way to honor the immense gift she’s giving your family. The financial support she receives helps her cover personal expenses, such as educational goals or family needs. Many surrogates also use the compensation to invest in their families’ future, creating lasting positive change.

The Cost of IVF

IVF is often one of the first major expenses on your surrogacy journey. In Oklahoma, IVF cycles typically cost between $11,000 and $15,000. Just like for the cost of surrogacy, financial aid exists to help offset the IVF costs. You will need to complete this step before finding a surrogate.

How to Afford Surrogacy

Surrogacy is a significant financial commitment, but there are various ways to manage the costs. Here’s a look at some options for funding your surrogacy journey:

• Personal Savings: If you have time to plan, setting aside funds in a dedicated savings account can help reduce the financial burden. Consider cutting back on discretionary spending and creating a budget to reach your savings goal over time. Starting early and contributing consistently, even in small amounts, can add up over time and help make surrogacy more affordable without relying solely on loans or other financial assistance.
• Surrogacy Loans: Fertility and surrogacy-specific loans are available to help cover costs, making them a valuable option for many intended parents. These loans often come with flexible terms, lower interest rates, and longer repayment periods, making it easier to manage large expenses without the pressure of paying everything upfront.
• Employer Benefits: Some employers offer fertility or surrogacy benefits, such as reimbursement for IVF or related medical expenses. Check with your HR department to see if such benefits are available. If your company doesn’t currently offer these benefits, it may be worth having a conversation with HR to explore the possibility of adding them, or looking for a new opportunity that better supports your goals.
• Home Equity Financing: If you’re a homeowner, you may be able to use your home’s equity to finance surrogacy. Home equity loans or lines of credit usually offer lower interest rates, but they do carry risks if you’re unable to repay the loan. It’s important to carefully assess your ability to repay before taking this route, as failing to do so could put your home at risk, but when used responsibly, it can be an effective way to secure the necessary funds for surrogacy.
• Grants and Scholarships: Some non-profit organizations and fertility groups offer grants or scholarships to help with surrogacy costs. While competitive, these can provide significant financial assistance. Research available options and apply if eligible. These grants are often targeted toward specific communities or needs, such as LGBTQ+ families or those facing medical infertility, so be sure to explore all avenues to increase your chances of receiving support.
• Crowdfunding: Crowdfunding platforms like GoFundMe allow you to raise funds from friends, family, and even strangers. Sharing your story and offering updates on your journey can help generate support for your surrogacy costs. Being transparent about your goals and progress can inspire others to contribute, and the emotional connection to your story may encourage more people to get involved in your journey toward parenthood.
• Payment Plans: Many surrogacy agencies and fertility clinics offer payment plans to spread the costs over time. These flexible structures can make large expenses more manageable. By breaking down the payments into smaller, more affordable installments, you can ease the financial pressure and maintain a steady cash flow throughout the surrogacy process.

By combining savings, loans, grants, and creative financing options, you can make surrogacy more affordable. Consult with professionals to help guide you through the financial process, and remember, there are resources available to help make your dream of parenthood a reality.

Mark and Cody’s Story:

For an example of how resources and financial professionals can help you meet your surrogacy goals, consider Mark and Cody’s parenthood story.

At first, they weren’t sure how they would afford the high costs of surrogacy, but they took proactive steps to explore their options. By tapping into employer benefits, securing a surrogacy-specific loan, and relying on personal savings, they were able to cover the expenses and bring their dream of a family to life.

With the combination of the financial resources and emotional guidance they received, Mark and Cody were able to focus on the excitement of becoming parents. Today, Mark and Cody are proud fathers, and their experience proves that with determination and the right financial strategies, your dream of parenthood is within reach.

The Value of a Surrogacy Agency

Partnering with a surrogacy agency is one of the best investments you can make, as they offer invaluable expertise and emotional support throughout the entire journey. They guide you step-by-step, ensuring that all aspects of the process, from matching with a surrogate to coordinating medical care, run smoothly and efficiently.

Agencies also handle the complex legal and financial details, protecting your parental rights and minimizing any potential issues, so you can focus on what matters most—bringing your child into the world. Their experience and resources provide a sense of confidence and peace of mind, making the journey to parenthood as seamless as possible.

Local Oklahoma IVF Clinics near Broken Arrow

Here are a few compassionate clinics that can help you make your surrogacy journey a reality:

• Tulsa Fertility Center (Tulsa, OK)
• MCRM Fertility (Tulsa, OK)
• OU Physicians Reproductive Medicine (Oklahoma City, OK)

Local Oklahoma Surrogacy Agencies near Broken Arrow

These agencies specialize in connecting you with qualified surrogates and supporting you throughout the surrogacy process:

• American Surrogacy
• Surrogate Solutions
• Center for Surrogate Parenting

Get Started Today

Your dream of becoming a parent is closer than you think. Surrogacy in Broken Arrow, Oklahoma, is an investment not just in finances, but in love, hope, and family. With the right planning and support, you can turn your dream into reality. Contact us today to start the journey toward bringing your baby home!