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

Starting a family through surrogacy can be an exciting and rewarding experience. While the costs may seem high at first, many people find that surrogacy is more possible than they initially thought. With the right financial planning and support, you can take steps toward making your dream of parenthood in Clarksville, Tennessee, a reality.

Read on to learn about surrogacy costs in Clarksville, Tennessee, or contact us for help in connecting with trusted professionals who can guide you through the process.

Total Cost of Surrogacy in Clarksville

The total cost of surrogacy in Clarksville, Tennessee, usually ranges from $100,000-$200,000+ or more. The final price depends on factors like surrogate compensation, medical procedures, legal work, and agency fees. While these numbers can seem overwhelming, most intended parents successfully manage their expenses by using different financial resources.

Understanding where your money goes and planning ahead can make this journey smoother. By budgeting carefully and working with experienced professionals, many intended parents find ways to make surrogacy financially possible.

Surrogacy Cost Breakdown

Breaking down the total cost can help you see where the money is spent. Here’s an approximate percentage-based breakdown:

• Surrogate Compensation and Benefits (35%): Surrogate Compensation is meant to offset the personal costs of pregnancy a surrogate might encounter, like maternity clothes, medical co-pays and lost wages. It also serves as compensation for the time and effort your surrogate dedicates to the process
• Medical Expenses (11%): In the surrogacy process, the health and safety of your child and your surrogate are of extreme importance. Robust medical coverage provides the support needed to ensure their continued safety throughout the process.
• Agency Fees (21%): Surrogacy agencies are an unrivaled source of logistical support for intended parents. They coordinate medical care, legal help, and help to set up escrow accounts, ensuring fair treatment to everyone involved. They can also provide benefits, like supplemental insurance, counselling, and financial risk management.
• Matching and Screening (27%): Screening is a process in which an agency runs potential surrogates through an array of medical and psychological tests to ensure they can complete a surrogacy successfully. Matching is a process where agencies match intended parents with prospective surrogates that mutually meet requirements. Some agencies, like American Surrogacy, only match pre-screened surrogates to families, reducing delays.
• Legal Fees (6%): These fees cover contract creation and representation for surrogates and intended parents. This ensures everyone is represented fairly and has maintained their rights.

Each surrogacy experience is unique, and costs can shift based on individual circumstances. Working with knowledgeable professionals can help you develop a financial plan that fits your needs. These expenses include everything from medical screenings to legal documentation and surrogate care, ensuring a secure and well-managed process.

Surrogacy and Insurance

Insurance coverage for surrogacy can be tricky. Some intended parents find that their health insurance covers some surrogate-related costs, while others need to buy separate insurance policies. If you’re working with an agency, they may help you find affordable insurance options. Since policies vary, consulting a professional is crucial to understanding your coverage.

Some insurance companies offer specific surrogacy coverage, while others do not. It’s important to carefully review your plan and seek expert advice to ensure you are financially prepared. Proper insurance planning can help minimize unexpected expenses along the way.

Surrogate Compensation Costs

Surrogate compensation makes up a large portion of the overall cost. This payment is meant to recognize the surrogate’s dedication and the physical, emotional, and lifestyle changes she undergoes to help you have a child. The compensation typically includes:

Providing fair compensation ensures that your surrogate can focus on maintaining a healthy pregnancy. It also supports her and her family, allowing her to fully commit to this life-changing experience. Professional agencies can help set up fair and legal compensation arrangements.

The Cost of IVF and Surrogacy

In vitro fertilization (IVF) is an essential step in surrogacy, but most surrogacy agency estimates don’t include its cost. In Tennessee, IVF typically costs between $12,000 and $25,000, depending on medication, testing, and procedures. Financial aid for IVF and embryo creation is avalible.

How to Afford Surrogacy: Financial Strategies and Resources

Most intended parents use multiple financial strategies to make surrogacy work. Here are some options to consider:

• Personal Savings – Using savings can help reduce loan dependence and long-term costs. Many intended parents start setting aside funds early to ease the financial burden. Even small, consistent contributions can add up over time and lower the need for loans or external financing.
• Grants and Scholarships – Several organizations offer financial aid for intended parents. These grants are often designed to help couples and individuals who need assistance covering surrogacy expenses. Each program has its own eligibility requirements, and some are tailored to specific circumstances, such as medical infertility or LGBTQ+ parents. Researching and applying for multiple grants can improve the chances of receiving financial aid.
• Employer Benefits – Some employers provide fertility and surrogacy benefits. Large corporations and progressive employers increasingly offer financial assistance for fertility treatments and surrogacy, recognizing the importance of family-building support. Checking with your HR department to explore available benefits can help reduce costs significantly.
• Loans – Personal and surrogacy-specific loans can help cover costs. Many financial institutions and fertility organizations offer loans with favorable terms to help intended parents manage surrogacy expenses. These loans may have lower interest rates or flexible repayment plans to accommodate different financial situations. Exploring multiple lenders and comparing rates can help ensure the best financing option.
• Home Equity Financing – Some homeowners use home equity loans to help pay for surrogacy. This type of financing allows parents to borrow against the value of their home, often providing access to lower interest rates than personal loans. However, it is important to consider the long-term financial commitment and potential risks associated with using home equity.
• Crowdfunding and Fundraising – Some intended parents turn to online fundraising platforms to help offset costs. Websites like GoFundMe or Kickstarter allow friends, family, and even strangers to contribute toward the journey to parenthood. Community support, social media outreach, and creative fundraising events can provide additional financial assistance.
• Tax Benefits and Deductions – In some cases, medical expenses related to surrogacy, including IVF treatments, may be tax-deductible. Consulting with a tax professional can help determine if any costs qualify for deductions or if there are any financial incentives that could ease the overall expense.

Mark and Cody’s Story:

Mark and Cody wanted to start a family but were worried about the cost of surrogacy. By using their savings, applying for a surrogacy grant, and securing a low-interest loan, they were able to make their dream a reality. Today, they are proud parents, proving that surrogacy is possible with the right financial strategy.

Why Work with a Surrogacy Agency?

A surrogacy agency provides essential services that make the process easier and more efficient. Some benefits of working with an agency include:

1. Shorter Wait Times – Agencies often have pre-screened surrogates, which can reduce wait times for matching.
2. Comprehensive Screening – Agencies carefully screen surrogates to meet medical and emotional requirements.
3. Financial Protection – Agencies help protect intended parents from unexpected costs.

Agencies also manage legal documentation, medical coordination, and emotional support, allowing you to focus on preparing for your growing family.

Local Tennessee IVF Clinics near Clarksville

If you’re pursuing surrogacy, finding a reliable fertility clinic is an important step. Here are some Tennessee clinics that provide IVF services:

• Nashville Fertility Center (Nashville, Clarksville)
• Tennessee Reproductive Medicine (Chattanooga, Knoxville)
• Vanderbilt Fertility Clinic (Franklin)

These clinics offer high-quality fertility treatments to help intended parents and surrogates throughout the process.

Local Tennessee Surrogacy Agencies near Clarksville

Working with an experienced surrogacy agency can simplify the process. Consider contacting one of these agencies:

• American Surrogacy
• Growing Generations
• ConceiveAbilities

Selecting the right agency is crucial in ensuring a smooth surrogacy journey. Now, let’s discuss your next steps.

Get Started Today

If you’re ready to move forward with surrogacy, we can help you connect with professionals who will support you throughout the process. Whether you need financial guidance, legal assistance, or help finding the perfect surrogate, we’re here for you.

Contact us today to take the first step toward growing your family through surrogacy.

Speak with a specialist today!