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

Surrogacy is a beautiful and transformative journey that brings families closer to their dreams of parenthood. If you’ve long envisioned holding your child in your arms, surrogacy can turn that dream into a reality.

While the financial aspect may seem daunting, countless families have successfully made this journey—with careful planning and the right support, you can too.

Keep reading to learn more about the cost of surrogacy in Murfreesboro, or contact us for help connecting with experienced surrogacy professionals who can guide you through each step of this incredible process.

How Much Does Surrogacy Cost in Tennessee?

The total cost of surrogacy in Murfreesboro, Tennessee, typically ranges from $100,000-$200,000+. This amount covers everything from surrogate compensation and medical procedures to legal fees and agency costs.

While this may initially seem like a significant investment, it’s an investment in your future family. Many intended parents find that financial planning and available resources make surrogacy an attainable and worthwhile option.

Many agencies provide financing options, and some families receive assistance through employer-provided benefits or fundraising efforts. When planned properly, surrogacy is not just a distant dream—it’s a beautiful reality within your reach.

Surrogacy Cost Breakdown: Understanding the Cost of Surrogacy

Understanding how your funds will be allocated throughout the surrogacy process can help you plan effectively. Here’s a breakdown of typical surrogacy costs as percentages of the total:

• Surrogate Compensation and Benefits – 35%: This portion of the budget ensures that surrogates are fairly compensated for their time, effort, and dedication throughout the pregnancy. It includes base pay, which acknowledges the surrogate’s commitment, and additional reimbursements for expenses such as medical care, maternity clothing, travel, and lost wages.
• Medical Expenses – 11%: Medical expenses encompass all healthcare-related costs associated with the surrogacy journey, including prenatal care, fertility treatments, embryo transfers, and delivery. These expenses ensure that both the surrogate and the baby receive quality medical attention.
• Agency Fees – 21%: Agency fees cover the essential services that facilitate a smooth and successful surrogacy experience, including administrative coordination, surrogate matching, and case management. These fees ensure intended parents receive expert guidance and legal and medical coordination.
• Matching & Screening – 27%: This crucial stage ensures intended parents are paired with a surrogate who aligns with their values, medical needs, and overall expectations. It involves comprehensive background checks, medical evaluations, and psychological assessments to create a strong, trusting relationship between all parties.
• Legal Fees – 6%: Legal fees ensure that all contracts, parental rights, and legal requirements are handled professionally and securely, protecting both the intended parents and the surrogate. These expenses cover drafting agreements, court proceedings, and legal consultations, providing the essential foundation for a smooth surrogacy journey.

Every surrogacy journey is unique, and costs can vary depending on individual circumstances. But one thing remains the same—each dollar spent brings you one step closer to your future child. Working with trusted professionals can help you navigate this journey with confidence and clarity.

How Much Does Surrogacy Cost with Insurance?

Surrogacy insurance coverage varies, with some policies covering IVF or prenatal care while others exclude surrogacy-related expenses entirely. If your policy lacks coverage, specialized providers and agencies offer alternative options. Consulting a surrogacy insurance specialist ensures you explore every possible avenue to make parenthood a reality.

How Much Does a Surrogate Cost in Murfreesboro?

Surrogate compensation is a significant expense, recognizing the surrogate’s dedication, physical effort, and emotional commitment. It covers base pay and reimbursements for travel, medical costs, and lost wages, ensuring her well-being and financial stability throughout the process.

How Much Does IVF and Surrogacy Cost Separately?

The cost of in vitro fertilization (IVF) is typically not included in surrogacy cost estimates because  intended parents must complete this step before starting the surrogacy process.  Some insurance plans, employer benefits or financial aid programs may help offset IVF’s cost.

Strategies & Resources for Financing Surrogacy

Surrogacy is financially achievable when you utilize the right resources. Many intended parents successfully combine different funding sources to cover the cost. Here are some effective ways to finance surrogacy:

• Personal Savings – Every dollar saved is a step closer to the moment you finally hold your child in your arms, a moment filled with love, joy, and fulfillment. With patience and the right financial plan, your dream of parenthood is not just possible—it’s within reach.
• Grants & Scholarships – Numerous organizations offer grants designed to help intended parents cover the costs of surrogacy, easing financial burdens and making the journey to parenthood more attainable. These grants provide hope and support to families determined to bring a child into their lives through surrogacy.
• Employer Benefits – A growing number of companies now recognize the importance of fertility and surrogacy benefits, offering financial support to employees on their path to parenthood. Checking with your employer could reveal valuable benefits that bring you one step closer to making your dream a reality.
• Loans – Personal loans and surrogacy-specific financing programs can serve as vital financial lifelines, bridging the gap between aspiration and reality. By exploring flexible loan options tailored to intended parents, you can find a solution that eases the financial burden while keeping your focus on the joyous journey ahead.
• Home Equity Financing – If you own a home, leveraging your equity can be a strategic and empowering way to finance surrogacy, turning your investment into a means to create the family you’ve always envisioned. By utilizing home equity, many intended parents have found a sustainable way to fund their journey, ensuring financial stability while bringing their dreams to life.
• Crowdfunding & Fundraising – Friends, family, and community members are often eager to rally around intended parents, offering emotional and financial support to help bring their dreams of parenthood to life. Their encouragement and generosity can play a vital role in making surrogacy not just a possibility, but a joyful and supported journey.

Mark & Cody’s Story

Mark and Cody always felt a deep calling to become parents, and they knew that surrogacy was the path meant for them. Though the financial challenges seemed overwhelming at first, their determination never wavered.

With strategic financial planning, including the use of employer-sponsored fertility benefits, a low-interest surrogacy loan, and diligent savings, they found a way to turn their dream into reality. Today, they are proud parents, forever grateful for the journey that brought them to their child.

Surrogacy Cost and Benefits: Why Work with a Surrogacy Agency?

Working with a surrogacy agency offers invaluable benefits, streamlining the journey to parenthood and providing peace of mind. Agencies maintain networks of pre-screened, qualified surrogates, significantly reducing wait times and ensuring faster matches.

Through thorough medical and legal screenings, they safeguard the well-being of all parties involved while minimizing risks. Financial protections are also in place, securing intended parents’ investments and ensuring transparency throughout the process.

Perhaps most importantly, agencies provide continuous support, offering expert guidance and compassionate assistance every step of the way to make the surrogacy experience as smooth and fulfilling as possible.

Local Tennessee Clinics near Murfreesboro Offering IVF

If you are beginning the IVF process, consider these fertility clinics near Murfreesboro:

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

Local Tennessee Surrogacy Agencies near Murfreesboro

Choosing a trusted surrogacy agency ensures a smooth and supportive process. Consider reaching out to:

• American Surrogacy
• Growing Generations
• Circle Surrogacy

Working with a reputable agency provides peace of mind, knowing that you have experienced professionals advocating for your best interests.

Get Started on Your Surrogacy Journey

Surrogacy is not just about the financial investment—it’s about investing in your future, your happiness, and the love that awaits you. If you’re ready to take the next step, contact us today.

We can connect you with experienced surrogacy professionals and financial resources to help turn your dream of parenthood into a reality. You are not alone on this journey—our team is here to support and uplift you every step of the way.

Speak with a specialist today!