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

Surrogacy is a beautiful and transformative journey that empowers intended parents to build the family they have always envisioned. While it requires financial preparation and commitment, it is ultimately an investment in a future filled with love and joy.

This guide provides a detailed breakdown of surrogacy costs in Everett, Washington, along with practical financial strategies to make this path more attainable for hopeful parents. Whether you’re just beginning to explore surrogacy or seeking financial guidance, we are here to connect you with experienced professionals.

How Much Does Surrogacy Cost in Everett? An Overview 

The cost of surrogacy in Everett, Washington, typically ranges from $100,000-$200,000+ or more. This range reflects the various factors that shape surrogacy expenses, including surrogate compensation, medical procedures, agency fees, and legal services.

Though these numbers may seem overwhelming at first, many intended parents find that with careful planning and the right support, their dream of parenthood is entirely within reach.

Surrogacy Cost Breakdown: How Much Does a Surrogate Cost?

Understanding where your financial investment goes can provide peace of mind and clarity throughout the process. Here’s a general breakdown of how surrogacy funds are allocated:

• Surrogate Compensation (35%): Surrogate compensation is one of the largest expenses in the surrogacy process, reflecting the vital role surrogates play in bringing new life into the world. This includes a base payment for the surrogate’s time, physical commitment, and emotional dedication, as well as reimbursements for medical costs, lost wages, maternity clothing, and pregnancy-related expenses. Fair compensation helps surrogates maintain stability during their pregnancy and supports their own families.
• Medical Expenses (11%): These cover essential healthcare services, including prenatal care, labor and delivery fees, fertility treatments, embryo transfers, ultrasounds, bloodwork, and psychological support for the surrogate. While medical costs can vary, proper planning and insurance options can help alleviate financial concerns.
• Agency Fees (21%): Agency fees cover essential services such as surrogate recruitment, case management, counseling, and coordination of medical and legal aspects. Agencies facilitate communication between intended parents and surrogates, reducing stress and ensuring a smooth journey.
• Matching & Screening (27%): This process ensures that intended parents are paired with a surrogate who aligns with their values and medical needs. It involves background checks, medical evaluations, and psychological assessments to create a stable and secure surrogacy experience.
• Legal Fees (6%): Legal professionals draft and review contracts, clarify parental rights, financial agreements, and assist in obtaining pre-birth or post-birth orders to ensure a seamless transition of parenthood.

Every dollar spent plays a role in making surrogacy a safe and successful experience. By working with the right professionals, you ensure that your funds are being used efficiently to support both you and your surrogate.

How Much Does Surrogacy Cost with Insurance?

Insurance coverage can play a pivotal role in managing the financial aspects of surrogacy. Some plans provide partial or full coverage for pregnancy-related medical expenses, while others exclude surrogacy-related costs.

If additional coverage is needed, intended parents may need to secure supplemental insurance to ensure their surrogate has proper medical protection. Many agencies offer guidance in navigating insurance options, helping you find the right policy so you can move forward with confidence.

How Much Does IVF and Surrogacy Cost?

For intended parents pursuing surrogacy, the first financial step is often in vitro fertilization (IVF) and embryo creation. These are separate from surrogacy costs but essential to the process. IVF expenses can vary widely, and because not every cycle results in a viable embryo, multiple rounds may be necessary, increasing costs.

Intended parents should also budget for embryo storage, pre-implantation genetic testing, and required medications. Fortunately, financial aid, grants, and employer-sponsored benefits can help offset these expenses, making the path to parenthood more attainable.

Surrogacy Financing: How to Pay for Surrogacy Costs

Surrogacy is a priceless experience, and various financial resources are available to make it achievable. Intended parents often combine multiple funding sources to manage costs effectively. Some commonly used options include:

• Personal Savings – Many families begin their surrogacy journey by establishing a dedicated savings plan, gradually setting aside funds to create financial stability. This proactive approach helps mitigate unexpected costs and provides a sense of security as intended parents navigate the complex surrogacy process.
• Grants and Scholarships – Numerous organizations provide financial assistance in the form of grants and scholarships, specifically designed to help intended parents manage the high costs of surrogacy. These programs aim to reduce financial strain and make surrogacy a more attainable option for families from diverse backgrounds.
• Employer-Sponsored Benefits – A growing number of companies now offer fertility and surrogacy-related benefits, covering expenses such as IVF treatments, embryo storage, and even partial surrogacy costs. These employer-sponsored programs can provide significant financial relief, making surrogacy a more accessible option for intended parents.
• Surrogacy-Specific Loans – Many financial institutions now provide specialized loans tailored for intended parents, offering flexible repayment plans and competitive interest rates. These loan programs are designed to ease the financial burden of surrogacy, allowing families to move forward with their journey while managing costs effectively.
• Home Equity Financing – Utilizing home equity can be a strategic way to secure significant financial resources for surrogacy, often at lower interest rates than traditional loans. This option allows intended parents to leverage the value of their home while maintaining manageable repayment terms, helping to ease the financial burden of the surrogacy journey.
• Crowdfunding and Community Support – Many families seek financial help from their support networks, reaching out to friends, relatives, and community groups for assistance. Crowdfunding platforms provide a practical way to raise funds, allowing intended parents to share their journey and receive support from a wider audience.
• Tax Credits and Deductions – Certain surrogacy-related expenses may qualify for tax deductions, potentially lowering the overall financial burden. Seeking guidance from a tax professional can help intended parents identify eligible deductions and maximize potential savings, making surrogacy more financially manageable.

Case Study: Mark and Cody

Mark and Cody knew that surrogacy was the right path for them, but like many intended parents, they were concerned about the financial commitment. By using multiple resources—employer-provided benefits, a low-interest loan, and home equity financing—they created a structured plan that made their dream attainable.

To further ease the financial burden, they secured a small grant from a reproductive health nonprofit, which helped cover unexpected medical costs. Today, they are the proud parents of a beautiful child, a testament to how strategic planning and financial resources can turn the dream of surrogacy into reality.

Why Work with a Surrogacy Agency? Faster Matching & Cost Savings

Choosing the right surrogacy agency can significantly impact your experience, providing peace of mind and efficiency throughout the journey. Agencies offer crucial support, including:

1. Faster Matching Times – Agencies have pre-screened surrogates available, shortening wait times.
2. Financial Protection – Many agencies offer financial safeguards to protect intended parents from unexpected expenses.
3. Legal and Emotional Support – Agencies provide expert legal guidance and counseling to help navigate the process.

By partnering with a reputable agency, you gain a dedicated team working to ensure a smooth, ethical, and joyful surrogacy experience.

Fertility Clinics near Everett, Washington

If you are in search of fertility care, these clinics offer specialized reproductive services:

• Seattle Reproductive Medicine – Seattle, Bellevue, Others
• Overlake Reproductive Health – Bellevue
• Pacific Northwest Fertility – Bellevue, Seattle
• UW Medicine – Seattle

These leading fertility centers offer state-of-the-art IVF treatments and advanced reproductive technologies.

Surrogacy Agencies Serving Everett, Washington

For those seeking professional support, these agencies provide expert surrogacy services:

• American Surrogacy
• Pacific Cascades Surrogacy
• Northwest Surrogacy Center
• ConceiveAbilities

These agencies specialize in personalized support, surrogate matching, and financial planning for intended parents.

Affording Surrogacy: A Rewarding Journey worth Taking

Surrogacy is one of the most profound and rewarding journeys imaginable. While the financial investment is substantial, it is an investment in love, family, and the future. With careful planning, the right resources, and unwavering support, your dream of having a child is absolutely within reach.

If you’re ready to take the next step, we’re here to help. Contact us today to connect with trusted professionals who can guide you on this incredible journey.

Speak with a specialist today!