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

Welcoming a child through surrogacy is an incredible journey that brings hope to families who may not be able to conceive naturally. While the financial commitment may seem substantial, surrogacy provides a viable and fulfilling path to parenthood.

With structured financial planning and dedicated support systems, intended parents can successfully navigate this journey and make their dreams a reality. If you want to explore the costs associated with surrogacy in Franklin, Tennessee, keep reading or reach out to us for help connecting with professionals who can guide you.

How Much Does Surrogacy Cost in Franklin, Tennessee?

Surrogacy in Franklin, Tennessee, typically costs between $100,000-$200,000+. This total includes surrogate compensation, medical expenses, legal fees, agency fees, and other necessary services.

The exact cost depends on various factors, such as your choice of professionals, your surrogate’s location, and specific medical needs. While the cost may seem overwhelming at first, strategic financial planning and expert guidance make surrogacy an attainable and rewarding path to parenthood.

Surrogacy Cost Breakdown: Understanding the Expenses

Each part of the surrogacy process contributes to the total cost. Here’s a general breakdown of how expenses are distributed:

• Surrogate Compensation and Benefits – 35%: Surrogate compensation includes both base pay and additional benefits that support the surrogate throughout pregnancy, covering costs such as medical expenses, travel, maternity clothing, and lost wages. This financial support ensures surrogates can focus on maintaining a healthy pregnancy while also providing stability for their families, recognizing the commitment and sacrifices involved in the surrogacy process.
• Medical Expenses – 11%: Medical expenses include prenatal care, delivery, and postnatal recovery. These expenses also cover medical screenings, fertility treatments, and necessary medications to ensure a successful surrogacy process for both the surrogate and the intended parents.
• Agency Fees – 21%: Agency fees encompass the comprehensive support and coordination provided throughout the surrogacy process, including surrogate recruitment, case management, and administrative oversight. These fees ensure that intended parents receive expert guidance, personalized assistance, and seamless coordination between medical, legal, and emotional aspects of their journey.
• Matching & Screening – 27%: This cost covers the evaluation process necessary to ensure a compatible and successful match between intended parents and surrogates. It includes medical and psychological screenings, background checks, and administrative efforts to find the best possible surrogate candidate, reducing potential complications later in the journey.
• Legal Fees – 6%: Legal fees cover essential services such as drafting surrogacy agreements, negotiating terms between intended parents and surrogates, and ensuring compliance with Tennessee’s surrogacy laws. Working with an experienced surrogacy attorney helps protect all parties involved and ensures a legally sound and smooth process.

Breaking down these costs provides clarity on how each expense contributes to a successful surrogacy journey, from ensuring the health and well-being of the surrogate to securing legal protections and minimizing unexpected financial risks. Understanding these investments helps intended parents see the long-term benefits, such as a smoother process, reduced complications, and greater financial predictability.

How Much Does Surrogacy Cost with Insurance?

Insurance plays a major role in the surrogacy process. Some intended parents can extend their insurance to cover certain medical expenses, while others may need additional policies. Since not all insurance plans include surrogacy, it’s crucial to review your coverage and consult a professional to determine the best approach.

How Much Does a Surrogate Cost in Franklin, Tennessee?

Surrogate compensation is one of the largest expenses in the surrogacy journey, accounting for about 35% of total costs. This payment helps support the surrogate and her family as she carries the intended parents’ child. Compensation includes base pay as well as reimbursements for medical care, travel, maternity clothing, and lost wages. This financial support ensures surrogates can focus on a healthy pregnancy without added financial stress.

How Much Does IVF and Surrogacy Cost?

In vitro fertilization (IVF) is an essential step in surrogacy and comes with its own costs, ranging from $12,000 to $25,000+ depending on medications, procedures, and clinic fees. While many surrogacy agencies don’t include IVF costs in their overall estimates, it’s an important expense to factor into your budget.

Surrogacy Financing: How to Pay for Surrogacy

Financial planning plays a crucial role in making surrogacy accessible, as most intended parents rely on a combination of resources to cover the costs. Many use a mix of personal savings, grants, employer benefits, and specialized loans to successfully finance their journey. Here are some of the most effective options:

• Personal Savings – Many families carefully budget and allocate resources over time, setting aside dedicated savings, reducing discretionary expenses, or seeking financial guidance to strategically adjust their plans for surrogacy costs. By taking proactive steps, they can gradually build the necessary funds and ease the financial burden of the surrogacy journey.
• Grants and Scholarships – Numerous organizations offer dedicated financial assistance programs to help alleviate the costs of surrogacy and fertility treatments. These programs may include grants, subsidies, or low-interest financial aid tailored to support intended parents in achieving their dream of parenthood.
• Employer Benefits – Some employers offer comprehensive fertility benefits, which may include coverage for medical expenses, fertility treatments, medications, and even surrogate compensation. These benefits can significantly reduce financial strain, making surrogacy a more viable option for many intended parents seeking to grow their families.
• Loans – Specialized surrogacy loans provide structured financial solutions, offering competitive interest rates, flexible repayment terms, and customized borrowing options designed specifically for intended parents. These loans help alleviate financial stress, ensuring that families can focus on their surrogacy journey with greater peace of mind.
• Home Equity Financing – Leveraging home equity can be a cost-effective way to finance surrogacy, providing access to significant funding at lower interest rates compared to personal loans or credit cards. This approach allows intended parents to utilize the equity built in their home, offering a stable and predictable financing option for their surrogacy journey.
• Crowdfunding & Fundraising – Online fundraising platforms provide a powerful way for intended parents to rally support from their communities, sharing their journey and inspiring generosity. These platforms not only help secure financial assistance but also foster emotional connections, allowing friends, family, and compassionate donors to contribute to the dream of parenthood.

Mark and Cody’s Story

Mark and Cody successfully financed their surrogacy journey by combining multiple financial resources, including personal savings, a surrogacy-specific loan, and employer benefits. Their experience shows that surrogacy is financially achievable when intended parents explore the options available to them.

Why Work with a Surrogacy Agency? Benefits and Value

A surrogacy agency simplifies the process by minimizing wait times through efficient matching, ensuring intended parents are connected with a suitable surrogate as quickly as possible.

Agencies provide expert legal and medical guidance, handling essential screenings and paperwork to create a seamless and secure experience. Additionally, reputable agencies conduct thorough medical and psychological screenings to ensure surrogates meet all necessary requirements before being matched.

Another significant benefit is financial protection, as trustworthy agencies implement safeguards to help protect intended parents’ investments throughout the surrogacy journey.

Fertility Clinics near Franklin, Tennessee

Finding a reputable fertility clinic is an important step in the surrogacy process. Consider reaching out to one of these clinics for expert IVF care:

• Tennessee Fertility Institute (Franklin)
• Knoxville Fertility Center (Knoxville)
• Vanderbilt Fertility Clinic (Franklin)

Surrogacy Agencies near Franklin, Tennessee

Working with a trusted surrogacy agency ensures a smoother experience. Here are some options:

• American Surrogacy
• Circle Surrogacy
• Growing Generation

Choosing the right professionals will make your journey more manageable and stress-free.

Start Your Surrogacy Journey Today

Surrogacy is an extraordinary path to parenthood, filled with hope, perseverance, and the life-changing joy of welcoming your child into the world. With professional guidance, the journey becomes more manageable, offering expert support and resources to navigate each step with confidence.

If you’re ready to take the next step, contact us today to connect with expert surrogacy professionals who can help make surrogacy possible for you.

Speak with a specialist today!