Surrogacy Cost in Norfolk, Virginia: What You Need to Know

Surrogacy is a life-changing path to parenthood, offering hope to families who may not be able to have children otherwise. However, it comes with significant financial considerations. Understanding these costs can help you plan effectively and take confident steps toward building your family.

With careful budgeting and the right support, surrogacy is attainable. Read on for a breakdown of surrogacy costs in Norfolk, or contact experienced professionals who can guide you through the process.

How Much Does Surrogacy Cost in Norfolk, Virginia?

The cost of surrogacy in Norfolk typically ranges from $100,000-$200,000+. Several factors influence the final price, including surrogate compensation, medical procedures, legal expenses, and agency fees. While this figure may seem overwhelming, many families have successfully navigated this journey.

Surrogacy Cost Breakdown: How Much Does a Surrogate Cost?

Each stage of the surrogacy process contributes to the overall cost. Below is an estimated breakdown with additional details:

• Surrogate Compensation and Benefits – 35%: Surrogates receive base pay and reimbursements for pregnancy-related expenses, including medical care, lost wages, and maternity clothing. Additionally, intended parents often cover costs such as transportation to medical appointments and childcare during necessary medical visits. This financial support allows surrogates to prioritize your child’s well-being.
• Medical Expenses – 11%: These costs include prenatal care, delivery, medical screenings, and necessary fertility treatments for the surrogate. Routine check-ups, ultrasounds, and specialized maternity care ensure the health of both the surrogate and baby throughout pregnancy. Some expenses may be offset by insurance, but additional coverage is often required to ensure full medical support.
• Agency Fees – 21%: Agencies play a crucial role in ensuring a successful surrogacy journey by handling surrogate matching, coordinating medical and legal requirements, and providing continuous support for both intended parents and surrogates. Their expertise helps streamline the process, minimize potential setbacks, and create a structured framework for surrogacy.
• Matching and Screening – 27%: The cost covers surrogate recruitment, medical and psychological screenings, and extensive background checks to ensure the best match between intended parents and surrogates. This careful vetting process helps identify surrogates who are physically and emotionally prepared, reducing potential risks.
• Legal Fees – 6%: Surrogacy involves detailed legal agreements designed to safeguard the rights and responsibilities of both the intended parents and the surrogate. Legal fees cover the drafting and review of contracts, the establishment of parental rights, and necessary court filings. These agreements help prevent disputes and ensure all parties understand their roles and obligations.

Understanding these costs helps you plan your budget and make informed decisions. Every dollar spent is an investment in your future family.

How Much Does Surrogacy Cost with Insurance?

Health insurance policies vary in surrogacy-related coverage. Some cover pregnancy-related medical costs, while others exclude surrogacy entirely. Consulting a surrogacy professional can help you navigate your options and explore additional coverage if needed.

If your surrogate’s insurance does not cover surrogacy, you may need to purchase a specialized policy. While this adds to the overall cost, it provides essential financial protection and peace of mind.

How Much Does a Surrogate Cost?

Surrogate compensation is one of the largest costs in the surrogacy process, reflecting the time, effort, and physical toll involved. In Norfolk, surrogate compensation typically ranges from $50,000 to $70,000+. These payments cover two areas: reimbursement for pregnancy-related costs and base pay.

Fair compensation ensures surrogates are financially secure and can focus on a healthy pregnancy. Many surrogates use their earnings to support their families, invest in housing, or fund their children’s education. This financial support acknowledges their commitment to helping intended parents realize their dreams.

How Much Does IVF and Surrogacy Cost?

For surrogacy, IVF and embryo creation must happen first. IVF is a separate cost from surrogacy, and intended parents should plan for these expenses accordingly. The cost of one IVF cycle in Virginia typically falls between $20,000 and $24,000, though it can exceed $30,000 depending on individual circumstances.

Some insurance plans cover certain IVF expenses, and many clinics offer financing options or grants to make treatments more manageable. Many surrogacy professionals recommend completing IVF before initiating the surrogacy process to avoid delays. Budgeting for IVF alongside surrogacy costs ensures a smoother and more predictable journey.

Surrogacy Financing: How to Afford the Cost of Surrogacy

Many intended parents use a combination of financial strategies to make surrogacy possible. Here are some popular options:

• Personal Savings – Many families start by setting aside personal savings to help cover surrogacy expenses, often dedicating funds over several years. This approach provides a strong financial foundation and can reduce the need for borrowing or additional financing options.
• Grants and Scholarships – Several organizations offer grants and financial assistance programs to help intended parents afford surrogacy. These programs vary in eligibility requirements, and some are specifically designed for individuals facing infertility or same-sex couples looking to grow their families.
• Employer Benefits – Many employers recognize the importance of family-building benefits and now offer fertility coverage, including surrogacy support, as part of their healthcare plans. These benefits can help offset some of the medical and procedural costs, making surrogacy more financially accessible for intended parents.
• Loans – Surrogacy-specific loans provide financial flexibility by allowing intended parents to spread out the costs over time, making the process more manageable. Additionally, traditional personal loans and fertility financing programs can offer further financial assistance, helping intended parents cover other expenses.
• Home Equity Financing – Homeowners may leverage home equity loans or lines of credit as a financial tool to help cover surrogacy expenses. By using their home’s value, intended parents can secure lower interest rates compared to other financing options, making surrogacy more affordable in the long run.
• Crowdfunding – Some families turn to online fundraising to gain financial support from friends and loved ones, using crowdfunding platforms to share their journey and rally a community of supporters. These campaigns can help cover surrogacy-related expenses while also raising awareness about the surrogacy process.

Surrogacy Financing Success: Mark and Cody’s Story

Mark and Cody, like many intended parents, faced the challenge of surrogacy costs. Unsure whether their dream of having a child was financially feasible, they turned to the very resources outlined above.

By leveraging employer benefits, personal savings, and a surrogacy-specific loan, they created a workable plan. Additionally, they secured a grant that covered part of their agency fees, further easing their financial burden.

Today, they are proud fathers, proving that with careful planning and resourcefulness, surrogacy is within reach. If you take similar steps, your story could be just as successful.

Surrogacy Agencies: Shorter Wait Times & Expert Support

Partnering with a surrogacy agency simplifies what can otherwise be a complex process. Working with a surrogacy agency offers significant advantages that can make the process smoother and more predictable.

Many agencies have a network of pre-screened surrogates, allowing for shorter wait times and quicker matches. These surrogates undergo rigorous screening to ensure they are physically and emotionally prepared for the journey, reducing risks and uncertainties for intended parents.

Additionally, agencies provide financial protection through structured contracts, helping mitigate unexpected expenses or disruptions. Beyond logistics, agencies offer invaluable support, guiding intended parents through legal requirements, medical procedures, and emotional aspects, making the surrogacy experience as stress-free and fulfilling as possible.

Local Virginia Clinics near Norfolk for IVF

• Shady Grove Fertility (Norfolk, VA)
• CCRM Fertility (Virginia Beach, VA)
• Virginia Fertility & IVF (Charlottesville, VA)

Surrogacy Agencies near Norfolk, Virginia

If you’re seeking a reliable surrogacy agency, consider these options:

• American Surrogacy
• Fairfax Surrogacy
• Bright Futures Families

Choosing the right agency brings you one step closer to welcoming your child.

Begin Your Surrogacy Journey Today: Connect with Experts

Surrogacy is a journey filled with hope and the promise of new beginnings. While the financial investment may seem significant, the joy of holding your child for the first time is priceless. With the right planning, support, and financial strategies, surrogacy is an achievable path for families of all backgrounds.

Your dream is closer than you think. Contact us today to connect with professionals who will guide you through the process and help you take the next step toward welcoming your child home.

Speak with a specialist today!