Surrogacy By State

Surrogacy Cost in Bartlett, TN: What You Need to Know

Surrogacy is a way for people who can’t conceive on their own to have a child. It is an exciting and rewarding journey, but it can also be expensive. If you’re thinking about surrogacy, understanding the costs involved is important. Many Intended parents in Tennessee successfully complete the process with careful planning and support.

Whether you’re just learning about surrogacy or ready to move forward, this guide will help you understand the costs. Contact us if you need expert advice on financial options and professional guidance.

How Much Does Surrogacy Cost in Tennessee?

Surrogacy in Bartlett, Tennessee, generally costs $100,000-$200,000+. This includes medical care, paying the surrogate, legal services, and agency fees. Although this might seem high, many intended parents find ways to manage costs through financial planning, employer benefits, and grants.

Some parents also explore personal financing options or alternative resources to make surrogacy more affordable.

Surrogacy Cost Breakdown: Understanding the Expenses

Here’s how the costs are typically divided:

Tennessee Surrogacy
Cost Breakdown

Surrogate.com

Surrogate Compensation and Benefits (35%) – This covers base pay, medical costs, lost wages, and other allowances that ensure the surrogate is financially secure throughout the process. It acknowledges the surrogate’s time, effort, and emotional commitment while providing necessary reimbursements for pregnancy-related expenses.
Medical Expenses (11%) – These include fertility treatments, prenatal care, labor and delivery, and any necessary medical interventions. Costs may vary based on the health needs of the surrogate and the complexity of the medical procedures involved.
Agency Fees (21%) – Agencies charge fees for facilitating the surrogacy journey, which includes matching intended parents with a surrogate, coordinating logistics, and providing ongoing support. These fees also cover administrative expenses, ensuring smooth communication and organization throughout the process.
Matching & Screening (27%) – This includes psychological evaluations, background checks, medical screenings, and other pre-matching procedures to ensure the surrogate is fully prepared. Proper screening helps reduce risks and increases the likelihood of a successful and healthy pregnancy.
Legal Fees (6%) – Legal fees cover drafting contracts, establishing parental rights, and ensuring compliance with Tennessee’s surrogacy laws. Working with experienced legal professionals protects all parties involved and provides peace of mind throughout the process.

These numbers can change based on factors like medical needs, location, and the agency you choose. Working with experienced professionals ensures your money is well spent, and they can help you navigate financial planning for your surrogacy journey.

How Much Does Surrogacy Cost with Insurance?

Some health insurance plans may cover medical costs for the surrogate, while others do not. Checking your policy and speaking with experts can help you understand what’s covered.

Some surrogacy agencies also help find insurance options to lower medical costs. In some cases, intended parents purchase special surrogacy-friendly insurance plans to ensure their surrogate receives proper medical care while keeping expenses manageable.

How Much Does a Surrogate Cost and Why It Matters

Surrogates play a huge role in helping families have children. Their pay covers medical expenses, maternity needs, lost wages, and other costs. Fair compensation allows surrogates to focus on having a healthy pregnancy without worrying about money.

It also recognizes the major physical and emotional commitment they make. Compensation provides financial security, ensuring the surrogate and her family are supported throughout the pregnancy and recovery process.

How Much Does IVF and Surrogacy Cost?

IVF is often part of surrogacy, but it’s a separate cost. In Bartlett, IVF usually costs $12,000 to $25,000+, depending on medications and treatments. Many intended parents complete IVF before starting surrogacy to make the process smoother. Some clinics offer payment plans or package deals to help with costs.

Some fertility clinics provide financing programs to assist intended parents with the cost of IVF treatments.

Surrogacy Financing Options: How to Afford the Costs

Surrogacy can be expensive, but there are ways to make it more affordable. Here are some ways intended parents pay for the process:

Personal Savings – Many families use their savings to fund part of their journey, setting aside dedicated funds over time to cover surrogacy expenses. By budgeting strategically and prioritizing financial planning, intended parents can reduce reliance on loans and make their surrogacy experience more financially manageable.
Grants & Scholarships – Many organizations offer grants and scholarships specifically designed to support intended parents in their surrogacy journey, easing the financial burden that can often seem overwhelming. These programs have different eligibility criteria and award amounts, with some prioritizing first-time parents, LGBTQ+ families, or those facing infertility challenges, ensuring that financial assistance reaches those who need it most.
Employer Benefits – Many companies now recognize the importance of fertility and surrogacy support, offering financial assistance and extended health benefits to help employees cover the costs of treatments, medical procedures, and agency fees. These benefits may include reimbursement for IVF treatments, surrogacy-related legal expenses, and ensure they have the time and financial stability needed to grow their families.
Loans – Personal and fertility-specific loans provide structured payment plans that allow intended parents to manage surrogacy costs over time, easing financial strain. Many lenders offer specialized financing options with flexible repayment terms, helping families focus on their surrogacy journey without immediate financial burden.
Home Equity Financing – Many families turn to home equity loans as a cost-effective way to finance their surrogacy journey, benefiting from lower interest rates compared to personal loans or credit cards. By leveraging the equity in their homes, intended parents can secure larger loan amounts with more favorable repayment terms, helping to ease financial strain while investing in their future family.
Crowdfunding & Fundraising – Many families turn to crowdfunding platforms and community-driven fundraising efforts to help cover surrogacy costs, leveraging social media and personal networks to share their journey and gain support. These efforts not only provide financial assistance but also create a strong support system, as friends, family, and even strangers come together to help make the dream of parenthood a reality.
Tax Credits & Deductions – Certain medical expenses related to surrogacy, such as fertility treatments, embryo transfers, and prescribed medications, may qualify for tax deductions or credits, helping to reduce overall financial strain. Consulting with a tax professional can provide insight into eligibility requirements and strategies for maximizing potential deductions, ensuring intended parents take full advantage of available financial relief.
Flexible Spending Accounts (FSA) & Health Savings Accounts (HSA) – Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA) allow intended parents to set aside pre-tax dollars specifically for medical expenses related to surrogacy, reducing their overall financial burden. By utilizing these accounts, families can cover essential costs such as fertility treatments, prescribed medications, and medical procedures.

Mark and Cody’s Story

Mark and Cody wanted to grow their family but were unsure about the costs. By using employer benefits, a fertility loan, and a surrogacy grant, they made surrogacy possible. They also reached out to their community for support and worked with a financial advisor to create a plan.

Their careful budgeting and research helped them navigate surrogacy costs successfully. Read their story and learn how similar approaches can work for you.

Case Study: How One Couple Afforded Surrogacy

Why Use a Surrogacy Agency?

A surrogacy agency significantly reduces wait times by using established networks and pre-screened candidates to match intended parents with surrogates quickly. Without an agency, finding a surrogate independently can take much longer and involve complicated legal and medical coordination.

Choosing the right agency is essential for a smooth surrogacy journey, as experienced agencies offer legal guidance, medical coordination, and emotional support. Intended parents should prioritize agencies with transparent pricing, strong legal backing, and a history of successful matches to ensure a stress-free process.

Tennessee Fertility Clinics near Bartlett

If you’re looking for fertility treatments, these clinics can help:

Tennessee Reproductive Institute (Nashville, Franklin)
Knoxville Fertility Center (Knoxville)
Vanderbilt Fertility Clinic (Franklin)

Surrogacy Agencies near Bartlett

These agencies have strong reputations for helping families through surrogacy:

Choosing a reliable agency ensures you have expert support throughout your surrogacy journey. These agencies have proven success in matching surrogates with intended parents and providing legal and medical support.

Begin Your Surrogacy Journey in Bartlett, Tennessee

Surrogacy is a major investment, but with careful planning, it can be within reach. No matter where you are in the process, taking the first step is what matters. Surrogacy offers an opportunity to build the family you’ve dreamed of. With the right resources and support, it can be a smooth and fulfilling experience.

Many families who thought surrogacy was financially out of reach have successfully completed their journey with the right combination of planning and financial assistance.