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

Surrogacy is an exciting way for intended parents to grow their families, but it comes with financial and logistical challenges. While the process can seem complex, many intended parents in Tennessee find that with the right support and financial planning, surrogacy is more manageable than they originally thought.

Understanding the costs involved and exploring different financing options can make the journey smoother. Keep reading to learn more about the costs of surrogacy or reach out to us for help connecting with professionals who can guide you through the process.

How Much Does Surrogacy Cost in Collierville?

Surrogacy is a significant financial commitment, but it is an investment in creating a family. In Collierville, Tennessee, surrogacy costs typically range from $100,000-$200,000+ covering expenses such as surrogate compensation, medical procedures, legal fees, and agency costs.

While these costs may seem overwhelming, many intended parents use a combination of financial resources to make surrogacy attainable. Your total cost will depend on factors such as medical needs, legal requirements, and the professionals you choose to work with.

Surrogacy Cost Breakdown: Where Your Money Goes

Surrogacy expenses are divided into different categories, helping intended parents understand where their money goes:

• Surrogate Compensation and Benefits – 35%: Surrogates receive compensation for their time, commitment, and the physical and emotional demands of carrying a child, ensuring they are financially supported throughout the pregnancy. This compensation not only covers their base pay but also includes benefits such as medical care, maternity clothing allowances, travel reimbursements, and lost wages.
• Medical Expenses – 11%: These costs cover essential fertility treatments, including egg retrieval and embryo transfer, as well as comprehensive prenatal care, routine check-ups, ultrasounds, and specialized medical support to ensure the well-being of both the surrogate and the baby throughout pregnancy.
• Agency Fees – 21%: Surrogacy agencies provide essential guidance to intended parents, assisting with every stage of the process, from selecting a suitable surrogate to handling administrative, medical, and legal logistics.
• Matching & Screening – 27%: Finding the right surrogate requires a thorough and multi-step process that includes detailed background checks, comprehensive medical evaluations to confirm physical health, and in-depth psychological assessments to ensure emotional preparedness for the surrogacy journey.
• Legal Fees – 6%: Surrogacy contracts must be carefully drafted and legally binding to protect the rights, responsibilities, and expectations of both intended parents and surrogates, ensuring a smooth and transparent process for all involved.

By understanding these costs, intended parents can better prepare financially and make informed decisions about their surrogacy journey.

How Much Does Surrogacy Cost with Insurance?

Insurance plays an important role in managing surrogacy expenses, but coverage varies widely. Some policies cover medical expenses for the surrogate, while others do not. Intended parents should carefully review their insurance plans and consider additional policies if necessary.

Many surrogacy agencies assist with identifying the best insurance options, ensuring proper coverage for the surrogate’s medical care and potential pregnancy-related costs.

Surrogacy Cost Breakdown: Understanding Surrogate Compensation

Surrogates dedicate time and energy to carrying a child for intended parents, and their compensation reflects this commitment. Payments include base compensation, medical expenses, lost wages, maternity needs, and additional benefits to ensure their well-being.

This financial support allows surrogates to focus on a healthy pregnancy without financial stress. Many surrogates use their compensation to support their families, making it a rewarding experience for everyone involved.

How Much Does IVF and Surrogacy Cost in Tennessee?

For many intended parents, surrogacy begins with in vitro fertilization (IVF). In Tennessee, the cost of IVF ranges from $12,000 to $25,000+, depending on medications, procedures, and clinic-specific fees.

Completing IVF before starting surrogacy can help streamline the process. Some clinics offer payment plans, and some insurance policies provide partial coverage, and other organizations offer loans and grants for IVF treatments. Understanding these costs helps intended parents plan their budgets effectively.

Surrogacy Financing Options: How to Pay for Surrogacy

Many families use a mix of financial strategies to afford surrogacy. Common funding options include:

• Personal Savings: Intended parents can prepare by setting aside dedicated funds, creating a long-term financial strategy, and consulting with financial planners to explore the best options for managing surrogacy-related expenses. By carefully assessing their budget, intended parents can build a strong foundation to support their surrogacy.
• Grants & Scholarships: Several organizations offer financial assistance in the form of grants, scholarships, and funding programs to help alleviate the costs of surrogacy, making the process more accessible for intended parents who may otherwise struggle with the financial burden. These organizations often cater to a diverse range of applicants.
• Employer Benefits: Some companies provide fertility and surrogacy reimbursement programs that help cover a wide range of expenses, including medical treatments, agency fees, and even legal services associated with the surrogacy process. These benefits can significantly reduce the financial burden on intended parents, making it easier for them to focus on their journey to parenthood without unnecessary financial stress.
• Loans: Many intended parents take out personal or surrogacy-specific loans that offer structured repayment plans, competitive interest rates, and flexible terms designed to ease financial strain during the surrogacy process. These financing options help families distribute costs over time, making it possible to manage expenses without delaying their journey to parenthood or compromising their financial stability.
• Home Equity Financing: Homeowners may use home equity loans or lines of credit to access funds at lower interest rates, allowing them to tap into the value of their property without significantly disrupting their financial stability. By leveraging their home equity, intended parents can secure a cost-effective financing option that provides flexibility in covering surrogacy expenses while maintaining manageable repayment terms.

How Mark and Cody Afforded Surrogacy

Mark and Cody weren’t sure if surrogacy was financially possible for them. They spent months researching options, comparing costs, and developing a financial strategy.

Financial advisors helped them explore available resources, including fertility grants that covered part of their medical expenses. By using employer benefits, applying for surrogacy grants, and securing a specialized loan, they were able to make their dream a reality.

 Mark and Cody’s journey shows that surrogacy is financially achievable with the right planning and persistence. Today, they share their experience to inspire other intended parents who may feel that surrogacy is out of reach.

Surrogacy Cost and Benefits: Why Work with an Agency?

Surrogacy agencies provide expert guidance, streamlining the process and reducing stress for intended parents. They offer faster matching services, thorough medical and psychological screenings, and financial safeguards such as refund policies to minimize risks.

By working with an experienced agency, intended parents can focus on their journey to parenthood while professionals handle the logistics. Agencies also provide counseling, legal assistance, and ongoing support to ensure a stress-free experience.

Tennessee Clinics for IVF near Collierville

If you are considering IVF, here are some reputable fertility clinics near Collierville:

• Memphis Fertility Associates – Memphis, TN
• Vanderbilt Fertility Clinic – Franklin, TN
• Fertility Associates of Memphis – Memphis, TN

These clinics offer fertility care and treatment plans tailored to individual needs.

Tennessee Surrogacy Agencies near Collierville

For intended parents seeking professional guidance, these surrogacy agencies serve the Collierville area:

• American Surrogacy
• Creative Family Connections
• Family Inceptions

Choosing the right agency helps ensure a seamless and well-supported surrogacy experience from start to finish.

Start Your Surrogacy Journey in Collierville Today

Surrogacy is an incredible journey of love, resilience, and hope. If you’re ready to move forward, reach out today. Our team of surrogacy professionals is here to provide guidance, support, and personalized solutions to help make your dream of parenthood a reality.

Whether you’re just beginning to explore surrogacy or ready to start the process, having a knowledgeable team behind you makes all the difference. Contact us today to get started on your surrogacy journey.

Speak with a specialist today!