Surrogacy Cost in Auburn, Washington: What You Need to Know

Surrogacy can be an extremely fulfilling and rewarding process for intended parents in Auburn. Though the financial aspects of the surrogacy process can seem overwhelming at first, this guide will give you the understanding and resources you need to move forward with confidence.

Keep reading to learn more about surrogacy costs and financing, or contact us for specialized support and guidance.

How Much Does Surrogacy Cost in Auburn, Washington?

In Auburn, Washington, surrogacy typically costs between $100,000-$200,000+, depending on medical, legal, and agency-related factors. This investment includes surrogate compensation, medical procedures, legal services, and agency fees. Although the price may seem overwhelming, careful financial planning can make surrogacy a reality for many intended parents.

Surrogacy Cost Breakdown: Understanding Expenses in Auburn, Washington

• Surrogate Compensation and Benefits (35%) – Surrogates make an extraordinary commitment, dedicating their time, energy, and physical well-being to help intended parents achieve their dream of parenthood. Compensation acknowledges this immense responsibility, providing financial security for surrogates and their families while ensuring they receive the care and support they need throughout the pregnancy.
• Medical Expenses (11%) – This includes essential fertility treatments such as medications, ultrasounds, and embryo transfers, along with comprehensive prenatal care, routine screenings, and labor and delivery costs. These medical services ensure a safe and healthy pregnancy for both the surrogate and the baby, offering peace of mind to all involved.
• Agency Fees (21%) – Agencies play a pivotal role in the surrogacy process, offering expert guidance through surrogate matching, case management, and continuous support for both intended parents and surrogates. Their oversight ensures a smooth journey from the initial match to the birth of the child, streamlining the process and reducing stress for all involved.
• Matching and Screening (27%) – This process includes psychological evaluations, in-depth medical assessments, and thorough background checks to confirm that surrogates are physically, emotionally, and mentally prepared for the journey ahead. By ensuring each surrogate meets strict qualifications, intended parents can move forward with confidence, knowing they are matched with a capable and committed individual.
• Legal Fees (6%) – Attorneys play a critical role in surrogacy by drafting and reviewing contracts, establishing legal parental rights, and ensuring compliance with Washington state surrogacy laws. Their expertise safeguards the rights of intended parents, surrogates, and the child, providing legal clarity and protection throughout the process.

Key Factors Influencing Surrogacy Costs

The Role of Insurance

Health insurance is a significant factor in determining surrogacy costs, as coverage for pregnancy-related expenses varies widely across policies. Some insurance plans include maternity benefits for surrogates, while others exclude surrogate pregnancies, requiring intended parents to secure additional coverage.

In cases where a surrogate’s existing plan does not provide adequate coverage, intended parents may need to purchase a specialized surrogacy insurance policy. This adds another financial consideration to the process. Consulting with a surrogacy professional or insurance expert can help navigate these complexities.

Why Surrogates Are Compensated

Surrogates dedicate months of their lives to carrying a child for intended parents who cannot do so themselves, undergoing physical, emotional, and lifestyle changes to ensure a healthy pregnancy. Their compensation not only honors their profound commitment but also provides financial stability, covering medical expenses, lost wages, and additional costs incurred throughout the journey.

IVF and Surrogacy: Understanding the Difference

For surrogacy to be successful, in vitro fertilization (IVF) and embryo creation must take place first. IVF is a distinct process and a separate expense from surrogacy, involving medical procedures such as egg retrieval, fertilization, and genetic testing before embryos can be transferred to a surrogate.

While these costs add to the overall financial commitment, financial aid options such as grants, loans, and employer benefits can help intended parents manage expenses effectively.

How to Afford Surrogacy in Auburn, Washington: Financial Resources and Support

Surrogacy is a significant financial investment, but there are multiple ways to make it more manageable. Many families successfully fund their journey by combining different financial resources.

Funding Options for Intended Parents:

• Personal Savings – Many parents proactively establish a dedicated savings fund for surrogacy, setting aside money well in advance to ease the financial burden when the time comes to begin the process. By planning ahead, they create a financial cushion that allows them to focus on the journey to parenthood without the added stress of last-minute expenses.
• Grants and Scholarships – Organizations like the Baby Quest Foundation provide financial assistance to help offset the costs of fertility treatments, IVF procedures, and surrogacy, easing the financial strain on families navigating this journey. These grants and scholarships are designed to support intended parents who may otherwise struggle to afford the medical and legal expenses associated with surrogacy, making parenthood a possibility for more families.
• Employer Benefits – Many employers now offer fertility and surrogacy-related benefits, including financial assistance, extended paid leave, and comprehensive insurance coverage for reproductive treatments. Speaking with an HR representative can uncover valuable programs that may significantly lower out-of-pocket expenses, making surrogacy a more accessible option for intended parents.
• Loans – Fertility-specific and personal loans provide intended parents with structured financing solutions, allowing them to break down the costs of IVF, medical procedures, and surrogacy into manageable monthly payments. Many lenders offer specialized fertility financing with competitive interest rates and flexible repayment terms, making surrogacy more accessible without requiring a large upfront investment.
• Home Equity Financing – By leveraging the equity in their home, families can secure financing at lower interest rates compared to traditional personal loans, making surrogacy more affordable over time. This approach allows intended parents to preserve their savings and investment accounts while accessing the necessary funds to cover medical, legal, and agency expenses.
• Crowdfunding – Crowdfunding platforms give intended parents a way to share their surrogacy journey while rallying financial support from family, friends, and a wider network of compassionate individuals. By creating compelling campaigns that outline their story and goals, many families have successfully raised funds to help cover surrogacy-related expenses, making this path to parenthood more financially accessible.
• Tax Benefits – Certain medical expenses related to surrogacy, such as fertility treatments, embryo transfers, and necessary medications, may qualify for tax deductions under specific circumstances. Consulting a tax professional who specializes in fertility and reproductive health expenses can help intended parents identify eligible deductions, maximize potential savings, and ensure compliance with tax regulations.

Mark and Cody’s Story: Making Surrogacy Work

Mark and Cody, like many intended parents, were initially unsure whether surrogacy was financially within reach.

They explored multiple options, utilizing personal savings, employer-provided fertility benefits, and a specialized fertility loan to make their dream of parenthood possible. By strategically leveraging these resources, they successfully covered the costs of both IVF and surrogacy, ultimately welcoming their long-awaited child.

Mark and Cody’s journey proves that with careful financial planning and the right support, surrogacy can be an attainable reality. If you take similar steps and explore the resources available, you too can build the family you’ve been hoping for.

Why Work with a Surrogacy Agency in Auburn, Washington?

Working with a surrogacy agency simplifies the process and provides expert guidance at every stage. Agencies pre-screen surrogate candidates, ensuring compatibility and reducing wait times for intended parents.

They also provide comprehensive case management, handling all medical, legal, and logistical aspects of the journey. With dedicated legal and medical support, agencies help intended parents navigate state regulations while safeguarding the rights of all parties involved.

Beyond logistical coordination, agencies offer ongoing emotional and practical guidance. Partnering with an experienced surrogacy agency helps both intended parents and surrogates move through each stage with confidence and peace of mind.

Local IVF Clinics near Auburn, Washington

For intended parents pursuing surrogacy, finding a trusted IVF clinic is a crucial first step. Here are some reputable fertility clinics in Washington that provide IVF services:

• Pacific NW Fertility – Seattle, WA
• Overlake Reproductive Health – Bellevue, WA
• Seattle Reproductive Medicine – Seattle, WA
• University Reproductive Care – Seattle, WA

Surrogacy Agencies near Auburn, Washington

Choosing a reputable surrogacy agency ensures a smoother and more secure journey. Below are agencies serving Auburn, Washington:

• American Surrogacy
• Northwest Surrogacy Center
• ConceiveAbilities
• Bright Futures Families

Working with a trusted IVF clinic and surrogacy agency is a vital step toward a successful surrogacy experience, ensuring professional support throughout the process. 

Take the Next Step toward Parenthood

Surrogacy is a powerful and life-changing experience, offering hope to individuals and couples eager to grow their families. While financial planning is essential, the reward—a child to love and cherish—makes every step worthwhile.

With expert guidance and smart financial strategies, surrogacy can be an achievable dream. Contact us today to connect with trusted professionals who can help you begin your journey to parenthood.

Speak with a specialist today!