Surrogacy By State

How Much Does Surrogacy Cost in Charleston, West Virginia?

If you’re considering growing your family through surrogacy, understanding the cost of surrogacy in Charleston, West Virginia, is a crucial step in your journey.

How Much Does Surrogacy Cost in Charleston, West Virginia?

The average surrogacy cost in Charleston ranges from $150,000 to $179,000+, depending on factors like medical expenses, surrogate compensation, legal fees, and agency costs. This surrogacy cost breakdown will help you prepare financially for this life-changing experience and explore options for affording surrogacy.

Every journey is unique. Contact a surrogacy specialist today to get a personalized estimate for your surrogacy costs.

Schedule a free consultation today!

Here’s a breakdown of the types of fees and costs associated with the overall cost of surrogacy in Charleston, West Virginia.

Fixed Fees

Agency Fees & Case Management – Covers surrogate matching, legal coordination, medical screening, and emotional support.
Gestational Carrier Compensation – The cost of a surrogate in Charleston typically ranges from $60,000 to $75,000+, based on experience and location.
Medical & Legal Fees – Includes medical screening, pregnancy-related healthcare, and legal representation.

Variable Costs

IVF & Embryo Transfer Costs – The cost of IVF and surrogacy varies, with an IVF cycle in Charleston averaging $12,000, plus medication and testing.
Insurance & Healthcare – How much does surrogacy cost with insurance? It depends on your plan. Charleston has limited infertility coverage through HMOs, but surrogacy-related expenses are often not covered.
Intended Parent Travel – If your surrogate lives outside Charleston, travel expenses for medical visits and delivery should be included in your budget.
Newborn Care Expenses – Post-birth medical care for the baby may not be fully covered by insurance, requiring additional planning.

Example Breakdown of Surrogacy Cost in Charleston, West Virginia

Here’s an example of how funds are typically allocated in a surrogacy journey:

Expense Category	Estimated Cost
Agency & Case Management Fees	$25,000 – $40,000
Surrogate Compensation	$60,000 – $75,000+
IVF & Medical Procedures	$30,000 – $45,000
Legal & Contract Services	$10,000 – $15,000
Insurance & Healthcare	$10,000 – $20,000
Travel & Miscellaneous	$5,000 – $15,000
Total Estimated Cost	$150,000 – $179,000+

Each journey is unique, and costs will vary depending on surrogate experience, location, and medical needs.

What is a Realistic Income for Surrogacy?

A common myth about surrogacy is that it’s only for the wealthy. In reality, intended parents from all financial backgrounds successfully pursue surrogacy.

Mark and Cody’s Story

With a combined annual income of $205,000, Mark and Cody’s surrogacy journey totaled $236,150. Through strategic planning, they made surrogacy a reality by using:

Employer benefits
Personal savings
A Home Equity Line of Credit (HELOC)
Grants from family-building organizations
Surrogacy-specific loans

Learn more about Mark and Cody’s story.

How Does an Agency Give You Value for Surrogacy Costs in Charleston?

Your surrogacy investment provides:

A Faster, More Reliable Match – Without professional guidance, finding a surrogate can take years. Agencies thoroughly screen surrogates before matching, ensuring quicker matches and fewer delays.
Comprehensive Screening & Legal Protections – Agencies conduct social, medical, psychological, and background screenings while handling complex legal contracts to protect your parental rights.
Financial Security & Predictability – With escrow management, refund guarantees, and structured payment plans, you have protection against unexpected expenses.

Choosing the right surrogacy agency makes all the difference. Let us help you find the best path forward.

How Much Does Surrogacy Cost with Insurance in Charleston, West Virginia?

There’s no universal answer to surrogacy costs with insurance in Charleston.

West Virginia is one of 2 states offering some infertility coverage, which you can review further here.

While HMOs are required to cover infertility treatments, self-insured employers are exempt, leaving many intended parents without coverage for surrogacy-related expenses.

To determine your coverage:

Review your insurance policy to check infertility and surrogacy benefits.
Consult your HR department or insurance provider for employer-specific details.
Speak with a surrogacy specialist to explore coverage and financing options.

How Much Does a Surrogate Cost in Charleston, West Virginia?

The cost of a surrogate in Charleston varies based on several factors, but base compensation typically ranges from $60,000 to $75,000+. However, this is only a portion of the total expenses associated with surrogacy.

A surrogate’s compensation is influenced by:

Cost of living in Charleston – Compensation may reflect local economic conditions.
Previous Surrogacy Experience – Surrogates who have successfully carried a pregnancy before may receive higher compensation.
Current Income & Employment Status – Surrogates with full-time jobs may require additional financial support for lost wages.

Beyond base compensation, additional costs such as medical expenses, maternity care, reimbursements for travel and lost wages contribute to the total cost of working with a surrogate. Understanding these factors can help intended parents budget more accurately for their surrogacy journey.

How Much Does IVF and Surrogacy Cost in Charleston?

The cost of surrogacy and IVF in Charleston is made up of multiple factors, including medical treatments, agency fees, legal services, and surrogate compensation.

The average cost of surrogacy in Charleston ranges from $150,000 to $179,000+, depending on specific circumstances.
The average price of an IVF cycle in Charleston is approximately $12,000, but this does not include medications, genetic testing, or embryo storage fees.

Since IVF is a required step in gestational surrogacy, these additional medical costs should be factored into your overall budget. The final cost of IVF and surrogacy in Charleston will depend on:

The clinic you work with and their pricing structure.
The number of IVF cycles needed to achieve a viable pregnancy.
Your insurance plan and any coverage for infertility treatments.

Understanding these costs upfront allows you to explore financial planning options to make surrogacy more attainable.

How to Pay for Surrogacy in Charleston

If you’re concerned about affording surrogacy, you’re not alone. Many intended parents use a combination of savings, financing, and other resources to make surrogacy possible. Here are some options to help cover your surrogacy expenses:

Loans – Banks and fertility lenders offer specialized loans for fertility treatments and surrogacy.
Employer Benefits – Some companies provide fertility and family-building benefits that can help offset costs.
Home Equity Line of Credit (HELOC) – This financing option provides access to funds with repayment flexibility.
Grants & Scholarships – Organizations dedicated to family-building provide financial assistance for surrogacy and IVF.
Fundraising & Crowdfunding – Many intended parents successfully raise surrogacy funds through community support and online platforms like GoFundMe.
Personal Savings – Setting aside dedicated savings for surrogacy can provide flexibility and peace of mind.

Planning your finances early can make surrogacy in Charleston more attainable—explore your options and find the best approach for your journey.

Find resources for affording surrogacy

Surrogacy Agencies in Charleston, West Virginia

Choosing the right surrogacy agency is one of the most important decisions you’ll make in this journey. A trusted agency will guide you through every stage, from finding a surrogate to handling legal and medical coordination. The agency you work with can impact the overall cost, timeline, and success of your surrogacy experience, so selecting a reputable provider is essential.

If you’re looking for a surrogacy agency in Charleston, here are a few to consider:

A reputable agency can provide personalized support, ensuring that your journey to parenthood is as smooth as possible.

Fertility Clinics in Charleston, West Virginia

A fertility clinic plays a key role in your surrogacy journey, handling important medical procedures like in-vitro fertilization (IVF), embryo transfer, and medical screenings. Working with an experienced fertility clinic ensures that your surrogate receives expert care, increasing the chances of a successful pregnancy.

If you need a fertility clinic in Charleston, consider the following options:

West Virginia Fertility Institute (Charleston)
WVU Center for Reproductive Medicine (Morgantown)
Center for Advanced Reproductive Medicine (Huntington)

Finding the right clinic is crucial to your surrogacy success. Be sure to discuss treatment plans, costs, and insurance options with your clinic to fully understand your medical journey.

Contact Us Today

Surrogacy is a life-changing investment, and we’re here to guide you every step of the way with information about the cost and how to pay for surrogacy in Charleston, WV.

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