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

Surrogacy is a transformative way to grow your family, bringing joy and fulfillment to countless intended parents. While the financial commitment can be significant, the journey is not out of reach. With proper planning and the right resources, surrogacy can be an attainable and rewarding path to parenthood.

Read on to explore the costs of surrogacy in Suffolk, Virginia, or contact us today to connect with experienced professionals who can guide you every step of the way.

How Much Does Surrogacy Cost in Suffolk, Virginia?

The cost of surrogacy in Suffolk typically falls between $100,000-$200,000+, depending on factors such as agency fees, medical expenses, and surrogate compensation.

While this number may seem daunting, many intended parents successfully finance surrogacy through strategic planning and available resources. With the right approach, the dream of parenthood is within reach.

This cost includes everything from medical treatments to legal protections, ensuring a secure and structured process. A consultation with a surrogacy professional can provide a personalized estimate tailored to your unique situation.

Surrogacy Cost Breakdown: Understanding the Costs of Surrogacy

Surrogacy involves multiple costs, each contributing to a smooth and ethical process. Below is a percentage-based breakdown of typical expenses:

• Surrogate Compensation and Benefits (35%): This is the largest expense in the surrogacy process, covering the surrogate’s base pay, which compensates her for the time, effort, and physical toll of pregnancy. Additionally, this category includes benefits such as maternity clothing, lost wages, and childcare, ensuring that the surrogate and her family are supported throughout the process.
• Medical Expenses (11%): These costs encompass all fertility treatments, including ovulation stimulation, egg retrieval, and embryo transfers, which are crucial for a successful surrogacy journey. Additionally, prenatal care, ultrasounds, necessary medical procedures, and hospital delivery expenses are covered to ensure the well-being of both the surrogate and the baby. If required, this category also includes health insurance for the surrogate, offering financial security and access to necessary healthcare services throughout the pregnancy.
• Agency Fees (21%): Surrogacy agencies provide professional services, including overseeing the entire surrogacy process from start to finish. They manage the legal, medical, and logistical aspects while also ensuring intended parents are matched with a well-vetted and compatible surrogate who aligns with their preferences and needs.
• Matching and Screening (27%): This cost includes comprehensive background checks, psychological evaluations, medical screenings, and health history assessments to ensure surrogates are physically and emotionally prepared for the process. These steps help create a secure and compatible match between intended parents and surrogates, reducing potential risks and ensuring a smoother journey for all involved.
• Legal Fees (6%): Legal contracts are a vital part of surrogacy, outlining the rights, responsibilities, and agreements between intended parents and surrogates. These documents ensure clarity and legal protection for all parties involved, helping to prevent misunderstandings and conflicts. They cover essential details such as compensation, medical decisions, parental rights, and what happens in the event of unforeseen circumstances.

Understanding these expenses allows intended parents to plan effectively, making surrogacy a realistic option with the right financial strategy.

How Much Does Surrogacy Cost with Insurance in Virginia?

Insurance coverage for surrogacy varies. Some policies cover medical expenses for the surrogate, while others exclude surrogacy-related costs. Reviewing your policy with an expert can help clarify what is covered and whether additional coverage is needed. Some agencies assist in securing the best insurance options.

How Much Does a Surrogate Cost? Surrogate Compensation Explained

Surrogate compensation is more than a financial obligation—it acknowledges the physical and emotional commitment of carrying a child for another family. Comprising about 35% of total costs, this payment allows surrogates to support their families, invest in their futures, and be fairly compensated for their dedication.

Compensation includes base pay as well as benefits such as medical care, maternity expenses, and travel reimbursements. Fair and transparent compensation attracts dedicated surrogates and ensures a smooth process for all involved.

How Much Does IVF and Surrogacy Cost?

In-vitro fertilization (IVF) is a critical component of surrogacy but is typically billed separately. Because multiple IVF cycles may be required, intended parents should account for this in their budget. Many fertility clinics offer financing plans and package deals to make costs more manageable.

Surrogacy Financing: How to Pay for Surrogacy Costs

Surrogacy is a major financial commitment, but a variety of resources can help make it more accessible. Consider the following funding options:

• Personal Savings – Using existing savings can reduce reliance on external funding, helping to ease financial stress and allowing intended parents to focus on their surrogacy journey. By strategically allocating savings, families can minimize the need for loans and maximize financial stability throughout the process.
• Grants and Scholarships – Numerous organizations offer financial aid for surrogacy, including grants, scholarships, and nonprofit assistance programs designed to ease the financial burden for intended parents. These resources can significantly offset costs, making surrogacy more accessible to families from various financial backgrounds.
• Employer Benefits – Many employers recognize the importance of family-building benefits and offer financial assistance for fertility treatments and surrogacy. This support can come in the form of reimbursement programs, direct financial aid, or even partnerships with fertility clinics and surrogacy agencies to provide discounted services.
• Loans – Fertility-specific loans and personal loans can provide much-needed financial flexibility, allowing intended parents to cover expenses in a structured and manageable way. These loans often come with customizable repayment plans and lower interest rates, making them an attractive option for those looking to finance their surrogacy journey without immediate financial strain.
• Home Equity Financing – Homeowners may use home equity loans or HELOCs for funding, leveraging the value of their homes to access needed capital. These options can offer lower interest rates than traditional loans, making them a practical choice for financing surrogacy expenses.
• Crowdfunding & Fundraising – Many families successfully raise funds through community support and online platforms, leveraging the power of social networks to share their stories and gather contributions. Crowdfunding campaigns, charity events, and community sponsorships can turn what may seem like an overwhelming financial hurdle into an achievable goal.

Additionally, surrogacy-specific loan programs often offer better terms, making financing more practical. Exploring multiple funding avenues can make surrogacy an achievable goal.

Mark and Cody’s Surrogacy Story

Mark and Cody always dreamed of becoming parents but, like many intended parents, faced the challenge of affording surrogacy. Rather than giving up, they turned to the very resources outlined above—combining personal savings, employer-provided benefits, and a structured fertility loan to fund their journey.

By carefully planning and exploring multiple financial options, they made their dream a reality. Today, they are proud parents, showing that with determination and the right financial strategy, surrogacy is possible for many families. If you take similar steps, you too can create a surrogacy story filled with success and joy.

Benefits of Working with a Surrogacy Agency: Faster Matches & Support

A surrogacy agency streamlines the process and provides essential support. Surrogacy agencies provide invaluable support throughout your journey, streamlining the process. They help intended parents find the right surrogate quickly by maintaining a network of pre-screened candidates, which can significantly shorten wait times.

Agencies also conduct thorough screenings to ensure surrogates are physically and emotionally prepared for the process, reducing potential disruptions. Additionally, they offer financial protection by structuring payment plans and mitigating risks, helping safeguard your investment.

Local Virginia Fertility Clinics near Suffolk

Selecting a reputable fertility clinic is essential. Here are top clinics near Suffolk:

• Shady Grove Fertility (Norfolk, VA)
• Procreate Fertility Center (Chesapeake, VA)
• New Hope Center for Reproductive Medicine (Virginia Beach, VA)

Local Virginia Surrogacy Agencies near Suffolk

Choosing the right surrogacy agency ensures a successful journey. Here are trusted agencies in the Suffolk area:

• American Surrogacy
• Fairfax Surrogacy
• Creative Family Connections

The Next Step in Your Surrogacy Journey

Parenthood through surrogacy is possible with the right support system. If you’re ready to begin, we can connect you with experienced professionals who will guide you through every step of the process. Contact us today and take your first step toward bringing your child home.

Take Your First Step