Surrogacy Cost in Stillwater, Oklahoma: A Simple Guide

Surrogacy is a life-changing opportunity that allows families to grow in a way that wouldn’t be possible otherwise. While the process brings joy and fulfillment, it also comes with financial challenges that can feel overwhelming. Fortunately, many intended parents find that with careful planning and the right resources, surrogacy is within reach.

Understanding the financial aspects of surrogacy can help you make informed decisions and create a solid plan for your journey. Keep reading to learn more about the cost of surrogacy in Stillwater, or reach out to us for help connecting with experienced professionals.

How Much Does Surrogacy Cost in Oklahoma?

The total cost of surrogacy in Stillwater, Oklahoma, generally ranges between $100,000-$200,000+. The final amount depends on factors such as surrogate compensation, medical expenses, and agency fees.

Additional factors that may influence your costs include the surrogate’s location, insurance coverage, and any unforeseen medical complications.

While this price may seem high, many intended parents successfully manage these costs through strategic financial planning and available resources, which we’ll discuss below. The good news is that with the right resources and support, surrogacy is an achievable goal for most families.

Surrogacy Cost Breakdown: Understanding the Cost of Surrogacy in Oklahoma

Understanding how your funds are distributed can help you feel more confident in your investment. Here’s an approximate percentage breakdown of surrogacy costs:

• Surrogate Compensation and Benefits – 35%: This includes the base pay and additional benefits provided to the surrogate for her commitment, time, and the physical demands of pregnancy. Compensation helps ensure surrogates receive fair financial support, allowing them to care for their own families while dedicating themselves to a successful and healthy surrogacy journey.
• Medical Expenses – 11%: These costs include fertility treatments, prenatal care, labor and delivery expenses, and any medical procedures necessary for a healthy pregnancy. Expenses can also vary depending on whether additional medical interventions, specialized prenatal care, or unforeseen complications arise during the surrogacy process.
• Agency Fees – 21%: These fees cover the essential coordination services that surrogacy agencies provide, including case management, counseling, and administrative support. Working with an agency ensures a smooth journey by handling logistical details, facilitating communication between parties, and providing expert guidance every step of the way. 
• Matching and Screening – 27%: This includes the careful selection and evaluation of potential surrogates to ensure they meet all medical, psychological, and legal requirements. A thorough screening process helps reduce risks, improve compatibility, and create a successful surrogacy experience for all parties involved. 
• Legal Fees – 6%: Legal expenses cover crucial services such as contract drafting, parental rights establishment, and legal representation for both intended parents and surrogates. These fees ensure that all agreements comply with state laws, protecting the rights and responsibilities of all parties involved in the surrogacy process.

Each of these areas plays a vital role in ensuring a smooth and successful surrogacy journey. Surrogacy agencies, attorneys, and medical professionals work together to guide you through the process, ensuring that all legal and medical aspects are properly handled.

How Much Does Surrogacy Cost with Insurance in Oklahoma?

Insurance can play a significant role in the total cost of surrogacy. Some health insurance policies offer partial or full coverage for medical expenses related to pregnancy, while others exclude surrogate-related costs entirely. It’s important to review your policy carefully to determine what coverage, if any, is available.

If your surrogate’s medical expenses are not covered, you may need to purchase additional insurance. A professional can help you navigate your policy and explore additional insurance options if needed, ensuring that you have the coverage necessary to protect both you and your surrogate.

How Much Does a Surrogate Cost and Why It’s Important

Surrogate compensation is one of the largest expenses in the surrogacy process, but it serves an important purpose. This payment reflects the surrogate’s dedication, time, and the physical toll of pregnancy.

Compensation helps surrogates support their own families, pay for essential needs, and even achieve personal financial goals such as homeownership or education. Many surrogates use their earnings to fund their children’s education, invest in their futures, or take steps toward financial stability.

How Much Does IVF and Surrogacy Cost in Oklahoma?

While IVF is a separate cost from surrogacy, it is a necessary step in the process. In Oklahoma, a single cycle of IVF typically costs between $11,000 and $15,000, depending on the clinic, medications, and required procedures.

Many intended parents complete IVF before securing a surrogate to reduce overall wait times. Additional costs may arise if multiple cycles are needed, and some clinics offer financing or package deals to help alleviate costs.

Surrogacy Financing: How to Pay for Surrogacy in Oklahoma

Many families afford surrogacy through a combination of financial strategies. Here are some options that can help make the process more accessible:

• Personal Savings – Many intended parents diligently set aside funds over time to help finance their surrogacy journey, reducing the need for loans or outside assistance. By planning ahead and incorporating savings into their financial strategy, they can ease the burden of surrogacy costs and maintain greater financial stability throughout the process.
• Grants and Scholarships – Various organizations provide financial assistance to help intended parents offset the high costs of surrogacy. These grants and scholarships are often awarded based on financial need, personal circumstances, or specific eligibility criteria, making surrogacy more accessible for families from diverse backgrounds.
• Employer Benefits – Many companies now recognize the importance of family-building benefits and offer financial assistance for surrogacy or fertility treatments as part of their employee benefits package. These benefits may include reimbursement for surrogacy expenses, extended parental leave, or flexible spending accounts, helping ease the financial burden for intended parents.
• Loans – Surrogacy-specific loans offer flexible repayment terms, allowing intended parents to spread the cost over time while maintaining financial stability. These loans can be obtained through specialized fertility financing programs or traditional lenders, often with options tailored to the unique needs of surrogacy-related expenses.
• Home Equity Financing – Homeowners may leverage a Home Equity Line of Credit (HELOC) or a home equity loan to access funds for surrogacy, often at lower interest rates compared to personal loans. This option allows families to utilize their home’s value to secure funding while maintaining manageable repayment terms.
• Crowdfunding – Many intended parents utilize crowdfunding platforms to seek financial support from friends, family, and compassionate donors who want to help them achieve their dreams of parenthood. By sharing their story through online fundraising campaigns, they can raise awareness, gain emotional support, and collect contributions that ease the financial burden of surrogacy.

Mark and Cody’s Story

Mark and Cody wanted to grow their family through surrogacy but worried about the financial burden. They explored multiple funding sources, including a surrogacy grant and a low-interest medical loan, which made their dream a reality.

By carefully planning their finances and researching their options, they were able to make surrogacy a feasible goal. If you’d like to learn more about how they navigated surrogacy financing, reach out to us.

Why Work with a Surrogacy Agency?

Choosing to work with a surrogacy agency offers several advantages, including:

1. Shorter Wait Times – Agencies streamline the matching process, helping you find a surrogate faster.
2. Pre-Screened Surrogates – Agencies ensure surrogates meet medical and psychological standards before matching.
3. Financial Protection – Many agencies provide structured payment plans and safeguards against unexpected costs.
4. Comprehensive Support – Agencies offer guidance and assistance throughout the entire surrogacy process, helping you navigate challenges along the way.

These benefits can make a significant difference in your experience and overall success, ensuring that your surrogacy journey is as smooth and stress-free as possible.

Local Oklahoma Clinics Near Stillwater

If you need an IVF clinic in Stillwater, consider reaching out to these nearby facilities:

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

Local Surrogacy Agencies Near Stillwater

If you’re searching for a surrogacy agency to support your journey, these options can help:

• American Surrogacy
• Surrogate Solutions 
• Circle Surrogacy

Working with a reputable agency can simplify the process and provide valuable guidance along the way. Agencies offer the structure and security needed to ensure that every step of the surrogacy process is managed efficiently and ethically.

Affording Surrogacy: Take the Next Step Toward Growing Your Family

Surrogacy is a significant investment, but it is an achievable goal with the right approach. Whether you need help finding financial resources or connecting with a surrogacy professional, we’re here to support you.

Contact us today to start your journey toward building your family. Our team is ready to provide the guidance and assistance you need to make your surrogacy experience as seamless and rewarding as possible.

Speak with a specialist today!