Surrogacy By State

How Much Does Surrogacy Cost in West Virginia?


The cost of surrogacy in West Virginia may be on your mind when it comes to planning your budget.

Having a comprehensive understanding of the cost of surrogacy can give you confidence in your budget, meaning one less thing you have to take care of during this opportunity to become a parent.

Consider this article as your surrogacy cost breakdown guide in West Virginia. It’ll look at the costs involved and how you can pay for it.

How Much Does Surrogacy Cost in West Virginia?

Surrogacy in West Virginia costs an average of $150,000-$179,000+.

In terms of a surrogacy cost breakdown, there are fixed fees and variable costs.

Fixed Fees

Variable Costs

In-vitro fertilization (IVF) costs can vary depending on factors like your insurance coverage and what the fertility clinic charges.

Surrogate compensation can change depending on their experience with surrogacy and where they are located.

Check with your insurance provider as newborn expenses may be covered.

If you want to travel to see your surrogate outside of the hospital stay, you will need to budget for however many times you decide to travel as well as the mode of transportation.

Example Breakdown of Surrogacy Cost in West Virginia

One of the biggest indicators of what your surrogacy cost will look like has to do with the professional you work with.

Surrogacy agencies offer different tiers of service, programs and costs which is why there isn’t a singular cost.

Take a look at this example of how your money would be spent for a surrogacy journey:

West Virginia Surrogacy
Cost Breakdown

Surrogacy Cost Breakdown in West Virginia
Surrogate.com

What Is a Realistic Income for Surrogacy?

One of the many myths about surrogacy is that it’s only for the rich. Intended parents of all different lifestyles pursue surrogacy for their own reasons.

Learning about these costs beforehand can help you determine the best course of action for affording surrogacy.

Check out Mark and Cody, former intended parents who had a combined annual income of $205,000.

Their surrogacy cost came to a total of $236,150 but were able to afford it by:

  • Work benefits
  • Personal savings
  • Home Equity Line of Credit (HELOC)
  • Grants
  • Loans

What Value Do You Get for the Costs of Surrogacy?

Seeing how funds could be allocated in that example breakdown may have you wondering about what you are getting from the cost of surrogacy.

When it comes to your investment to help grow your family, a surrogacy agency plays a big role in the entire process but especially in the following aspects:

  • Matching Quickly: Finding a surrogate can be the difference between starting life with your new family or waiting longer to experience what that feels like. One of the most important things your investment gets you when working with a reputable agency is the ability to find a surrogate quickly.
  • Thorough Screening: Surrogacy changes the lives of everyone involved. That’s why surrogates are thoroughly screened before becoming surrogates to lessen the chance of problems down the road. Having to find a new surrogate means more time and money before you’ll be able to experience parenthood.
  • Financial Security: Financial protection is a key benefit that reputable professionals will offer. Your investment for this life-changing journey may be significant which is why reputable agencies will offer financial protection for parents. Not having this protection can result in intended parents being responsible for additional costs if unexpected challenges arise.

When it comes to the cost of surrogacy in West Virginia, make sure to ask any agency you may want to work with about their services and what it means for your ultimate goal of becoming a parent.

How Much Does Surrogacy Cost with Insurance in West Virginia?

There is no one-size-fits all figure when it comes to the cost of surrogacy in West Virginia with insurance.

According to this map from RESOLVE, the National Infertility Association that looks at insurance coverage by state, West Virginia is one of two states with some infertility coverage.

It requires Health Maintenance Organizations (HMOs) to cover infertility services under “basic healthcare services” unless your employer self-insures in which case they are exempt from the requirements of that coverage.

Non pregnancy- related expenses aren’t usually covered by health insurance policies. Talk to your employer and insurance provider to clarify what is covered to help determine your estimated costs.

How Much Does a Surrogate Cost in West Virginia?

The cost of a surrogate in West Virginia in terms of base compensation could be $60,000-$75,000+, but that doesn’t encapsulate the entire cost of a surrogate. 

Your surrogate’s compensation varies based on:

  • Cost of living

  • Income

  • Experience

    How Much Does IVF and Surrogacy Cost?

    There are two parts to the IVF and surrogacy cost.

    While the average cost of surrogacy can be $150,000-$179,000+ depending on your situation, the average price of an IVF cycle in West Virginia is $12,000.

    IVF is part of surrogacy, responsible for creating the embryos that your surrogate will carry.

    Ultimately, the cost of IVF and surrogacy depends on who you work with, where you live, what kind of insurance you have and what that insurance covers.

    How to Pay for Surrogacy

    If finances are a concern for you when you are planning to grow your family, you’re not alone.

    There are a several resources that make affording surrogacy more attainable. These include:

    Traditional businesses like banks and other family-building professionals offer loans for fertility treatments and surrogacy. 

    Some employers provide fertility benefits that may alleviate some of the cost. 

    A HELOC can be a source of funding for surrogacy. It’s paid back when you start using it with the limits for a HELOC typically being much higher than credit cards. 

    There are family-building organizations that offer grants for those looking to grow their family and are facing infertility issues. 

    You can crowdfund some of your surrogacy fund through benefit dinners and community events or through websites like GoFundMe or Kickstarter.

    Personal savings are for whatever you deem appropriate. Using funds you saved for goals like this can help provide financial security and flexibility for the journey.

    Surrogacy Agencies in West Virginia

    A surrogacy agency will help coordinate every step of your surrogacy journey. It’s an important decision to make as it will impact not only cost but your overall surrogacy experience.

    Here are some local surrogacy agencies you could work with:

    Fertility Clinics in West Virginia

    A fertility clinic is another industry professional that deals with the medical side of surrogacy.

    If you are still in need of a fertility clinic, here are some options located in West Virginia:

    Contact Us Today

    We’re here for you.

    Whether you have specific questions about your circumstances when it comes to how to pay for surrogacy or just want to learn more about surrogacy as a way to grow your family, feel free to reach out whenever you need us.

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