Surrogacy Cost in Tacoma, Washington: A Simple Guide

Surrogacy is a beautiful and life-changing journey, offering hope and joy to those who dream of building their family. While the cost of surrogacy may seem overwhelming at first, careful financial planning and the right support system make it an achievable and rewarding path for many intended parents.

Below, we outline the costs associated with surrogacy in Tacoma, Washington, to help you understand what to expect. Keep reading to learn more, or reach out to us for assistance in connecting with compassionate and knowledgeable surrogacy professionals who can guide you every step of the way.

How Much Does Surrogacy Cost in Tacoma? Total Expenses Explained

Surrogacy in Tacoma, Washington, typically costs between $100,000-$200,000+. This estimate includes surrogate compensation, medical expenses, agency fees, legal services, and other essential costs.

Additional factors such as travel expenses, insurance coverage, and unforeseen medical procedures can influence the final cost. Working with experienced professionals ensures a more structured process, peace of mind, and predictable financial planning.

Surrogacy Cost Breakdown: Understanding Expenses & Budgeting Tips

Surrogacy expenses generally fall into five main categories. Below is a typical allocation of a surrogacy budget:

• Surrogate Compensation and Benefits (35%) – This includes the base pay and additional reimbursements to cover lost wages, childcare costs, and other pregnancy-related expenses. Compensation ensures that surrogates can maintain financial stability while dedicating themselves to a healthy pregnancy, making the experience as stress-free as possible for both the surrogate and intended parents.
• Medical Expenses (11%) – Covers all necessary medical procedures related to the pregnancy, including routine prenatal visits, ultrasounds, and necessary medical treatments to ensure the health of both the surrogate and the baby. These expenses also encompass hospital delivery costs, potential medical interventions, and postnatal care to support a smooth recovery process.
• Agency Fees (21%) – Agencies facilitate the entire surrogacy process, managing everything from initial consultations to the finalization of legal documents. They provide emotional support, logistical coordination, and expert guidance, ensuring that intended parents and surrogates have a seamless and positive experience throughout the journey.
• Matching & Screening (27%) – This includes in-depth background checks, psychological evaluations, medical screenings, and legal reviews to ensure that surrogates meet the highest standards for a safe and successful journey. These steps help intended parents feel confident that their surrogate is physically, emotionally, and legally prepared to carry a child on their behalf.
• Legal Fees (6%) – Surrogacy requires detailed contracts to protect all parties involved, outlining the rights, responsibilities, and expectations of both the intended parents and the surrogate. These agreements ensure a legally secure and transparent process, reducing the risk of disputes and providing peace of mind for everyone involved.

Each of these costs plays an integral role in ensuring a smooth, ethical, and fulfilling surrogacy experience.

The exact percentages may shift slightly based on individual circumstances, such as additional medical treatments or legal services. Some intended parents also opt to provide extra incentives or bonuses to their surrogate as a way of expressing gratitude for their dedication and generosity.

How Much Does Surrogacy Cost with Insurance? Coverage Guide

Understanding how insurance impacts surrogacy costs can be complex. Some insurance policies cover certain medical expenses for the surrogate, while others do not.

Some intended parents may need to purchase a separate policy to cover their surrogate’s pregnancy-related costs. Comparing multiple insurance policies may also help you find one that offers comprehensive coverage at a reasonable rate.

How Much Does a Surrogate Cost? Compensation & Benefits

Surrogate compensation typically ranges from $50,000 to $70,000+, depending on the surrogate’s experience and cost of living. These funds support the surrogate in two primary ways:

• Reimbursement for expenses, including lost wages, maternity clothing, and medical copays.
• Base pay, which acts as a salary, helping surrogates improve their family’s financial situation. Many surrogates use these funds for homeownership, education, or savings for their children’s future.

Compensation is a token of appreciation for the incredible generosity and commitment surrogates offer to intended parents. Open communication with your surrogate and agency can help ensure that expectations are clear and that all parties feel supported.

How Much Does IVF and Surrogacy Cost? Pricing & Options

Before surrogacy can begin, IVF and embryo creation must take place. IVF and surrogacy are separate costs, with IVF typically ranging from $20,000 to $24,000 per cycle in Washington.

These expenses include fertility medications, genetic testing, and embryo storage. Since IVF is not always covered in surrogacy agency fees, intended parents should plan accordingly.

Some clinics offer package deals for multiple cycles, which can reduce costs. Financial aid options, such as fertility grants and financing programs, are available to help make IVF more affordable and ease the journey to parenthood.

Surrogacy Financing: How to Pay for Surrogacy Costs

Many intended parents worry about affording surrogacy, but numerous financial resources make this dream possible. Consider the following options:

• Personal Savings – Many families use their personal savings to fund part of their journey, setting aside money over time to prepare for the financial demands of surrogacy. This approach allows intended parents to minimize reliance on loans and external funding, helping them stay in control of their financial future.
• Grants & Scholarships – Several organizations provide financial assistance to intended parents, helping to alleviate the financial burden associated with surrogacy. These grants and scholarships are designed to support families from various backgrounds, making surrogacy more accessible to those who may not have the necessary funds upfront.
• Employer Benefits – Many companies now recognize the importance of family-building support and include fertility and surrogacy benefits as part of their health plans. These benefits can cover a range of expenses, from IVF treatments to surrogate medical costs, significantly easing the financial burden on intended parents.
• Loans – Personal loans, surrogacy-specific loans, and fertility financing options can provide intended parents with the financial flexibility they need to navigate the costs of surrogacy. These funding sources offer varying terms and interest rates, allowing families to choose a plan that best aligns with their financial situation and long-term goals.
• Home Equity Financing – Homeowners may use home equity lines of credit (HELOCs) to secure funding, leveraging the equity they have built in their homes as a financial resource. This option allows intended parents to access funds at potentially lower interest rates compared to traditional loans, making surrogacy more affordable and manageable over time.
• Crowdfunding & Fundraising – Some intended parents turn to fundraising platforms to share their surrogacy journey and seek financial support from friends and family. These platforms allow them to reach a broader audience, gather contributions, and build a community of encouragement and support throughout the process.
• Tax Deductions & Credits – Certain medical expenses related to surrogacy may be tax-deductible, helping intended parents offset some of the financial burden. Consulting a tax professional can provide clarity on eligible deductions, maximizing potential savings and easing the overall cost of surrogacy.

Surrogacy Financing Success: Mark and Cody’s Journey

Mark and Cody, like many intended parents, knew surrogacy was the right path to parenthood for them. However, they initially struggled with the financial aspect of the process.

By carefully leveraging the resources listed above—including personal savings, a surrogacy grant, and a low-interest loan—they successfully funded their journey. Today, they are proud parents, showing that with the right financial planning and resourcefulness, surrogacy is an achievable dream. If you take similar steps, you too can build the family you’ve always hoped for.

Surrogacy Agencies: Benefits, Shorter Wait Times & Cost Savings

Choosing the right surrogacy agency can make all the difference in ensuring a smooth, joyful, and fulfilling journey. Agencies offer several benefits, including:

• Shorter wait times – Some agencies, like American Surrogacy, match intended parents with surrogates in just a few weeks.
• Pre-screened surrogates – Avoid unnecessary delays and expenses by working with an agency that carefully vets surrogates before matching.
• Financial protection – The best agencies provide safeguards in case of unexpected disruptions.

Agencies also offer compassionate guidance through the emotional, medical, and legal aspects of surrogacy, ensuring that intended parents feel supported every step of the way.

IVF Clinics near Tacoma

If you’re considering surrogacy, you’ll need a trusted fertility clinic for IVF procedures. Here are some reputable clinics near Tacoma:

• Seattle Reproductive Medicine – Multiple Locations
• Overlake Reproductive Health – Bellevue, WA
• Pacific Northwest Fertility – Bellevue, WA
• UW Medicine Reproductive Care – Seattle, WA

Surrogacy Agencies near Tacoma

Working with a surrogacy agency can make the process smoother and more efficient. Here are some agencies near Tacoma:

• American Surrogacy
• Pacific Cascade Surrogacy
• Northwest Surrogacy Center
• ConceiveAbilities

Choosing the right clinic and agency can make all the difference in your surrogacy journey. Now, let’s explore how to take the next step toward growing your family.

Take the Next Step

The cost of surrogacy in Tacoma may seem daunting, but with careful planning, support, and the right resources, it is within reach. Your journey to parenthood is one filled with hope, love, and possibilities.

If you’re ready to take the next step, contact us today to connect with experienced surrogacy professionals who can guide you through this extraordinary path and help make your dream of parenthood a reality.

Speak with a specialist today!