Surrogacy Cost in Nashville: How Much Does It Really Cost?

Surrogacy offers a powerful and hopeful path to parenthood, transforming dreams into reality for those who might otherwise have no options. While the process involves financial commitment, many intended parents in Tennessee discover that with thoughtful planning and available resources, their dream of parenthood is well within reach.

Curious about surrogacy costs in Nashville? Below, we break down expenses, financial strategies, and resources to help you plan confidently. If you need help finding the right professionals, reach out to us for guidance.

How Much Does Surrogacy Cost? Understanding the Full Surrogacy Cost Breakdown

Surrogacy in Nashville typically costs between $100,000-$200,000+. This range covers the entire process, from surrogate compensation to legal and medical expenses.

The cost of surrogacy may seem overwhelming at first, but countless families have made it work through strategic financial planning, grants, employer benefits, and specialized loans. With the right resources, surrogacy can be an attainable option for growing your family.

Surrogacy Cost Breakdown: Understanding the Expenses of Surrogacy

Every surrogacy journey is unique, but costs generally fall into the following categories:

• Surrogate Compensation and Benefits – 35%:This includes base compensation to acknowledge the surrogate’s commitment, reimbursements for medical and pregnancy-related expenses, and coverage for lost wages to ensure her financial stability. Additional benefits also support her well-being and that of her family throughout the journey.
• Medical Expenses – 11%:This covers all necessary prenatal care, including doctor’s visits, ultrasounds, and essential screenings to ensure a healthy pregnancy. It also includes fertility treatments, medications, labor and delivery costs, as well as postnatal medical care to support both the surrogate and the baby.
• Agency Fees – 21%:Agency fees cover comprehensive services that streamline the surrogacy journey, including facilitating legal agreements, overseeing medical processes, and ensuring a seamless matching experience between intended parents and surrogates. These services provide expert guidance and logistical support, making the surrogacy process more efficient and secure for everyone involved.
• Matching and Screening – 27%:This process includes in-depth background checks to verify personal and medical history, comprehensive psychological evaluations to ensure emotional readiness, and rigorous medical screenings to assess overall health and fertility. These steps help guarantee that the surrogate is physically, mentally, and emotionally prepared for the surrogacy journey.
• Legal Fees – 6%:Legal fees cover the drafting and review of contracts, ensuring that all parties’ rights and responsibilities are clearly defined and legally binding. This process provides essential protection for intended parents and surrogates, securing parental rights and preventing future legal complications.

How Much Does Surrogacy Cost with Insurance? Understanding Coverage and Expenses

Insurance policies vary widely in how they handle surrogacy-related expenses. Some plans may cover certain medical costs for the surrogate, while others exclude surrogacy altogether. Intended parents should thoroughly review their insurance policies and consult with professionals to determine what is covered. In cases where insurance does not apply, additional surrogacy-specific policies may be necessary.

How Much Does a Surrogate Cost? Understanding Surrogate Compensation

Compensation for a surrogate in Tennessee typically falls between $50,000 and $70,000+, depending on her location and experience. This payment acknowledges the surrogate’s commitment and the emotional and physical toll of pregnancy. The funds also help support her and her family throughout the process, covering expenses like travel, maternity clothing, and medical needs.

How Much Does IVF and Surrogacy Cost? Understanding Fertility Expenses

Intended parents should also consider the cost of in vitro fertilization (IVF), which is a separate expense from surrogacy. You can find financial aid to help offset these costs. Since many surrogacy professionals recommend completing embryo creation before starting the process, these costs should be factored into the overall budget.

How to Pay for Surrogacy

Surrogacy is a significant investment, but there are many ways to make it more affordable. Intended parents often use a combination of these resources:

• Personal Savings – Many families plan ahead by gradually saving funds dedicated to their surrogacy journey, ensuring financial stability when the time comes to move forward. This proactive approach allows intended parents to reduce financial strain while preparing for the expenses involved in the process.
• Grants and Scholarships – Various organizations provide financial aid to intended parents, offering grants and scholarships that help offset the cost of surrogacy. These funding opportunities can make the process more accessible by reducing the financial burden on families pursuing this path to parenthood.
• Employer Benefits – Many companies now offer fertility and surrogacy-related benefits, helping employees cover medical expenses, legal fees, and other associated costs. These benefits can significantly reduce the financial burden of surrogacy and make the process more accessible to intended parents.
• Loans – Surrogacy-specific loans, offered by financial institutions familiar with the process, provide tailored funding options that help cover significant expenses. Additionally, personal loans from banks or credit unions can be a flexible alternative, allowing intended parents to structure repayment terms that fit their financial situation.
• Home Equity Financing – Homeowners can leverage their property’s equity to obtain loans with lower interest rates, making surrogacy more financially feasible. By tapping into home equity, intended parents may secure substantial funding while benefiting from extended repayment terms and potentially tax-deductible interest.

How Mark and Cody Afforded Surrogacy: A Success Story

Mark and Cody’s surrogacy journey is a testament to how thoughtful financial planning can turn the dream of parenthood into reality.

By utilizing the very resources outlined above—including personal savings, a surrogacy loan, and employer-sponsored fertility benefits—they successfully navigated the financial aspects of the process. Their experience illustrates that with the right strategy, intended parents can overcome financial hurdles and create a path toward a successful surrogacy.

Why Work with a Surrogacy Agency?

A surrogacy agency streamlines the process, providing invaluable expertise and personalized support, making your journey smoother and more secure. Many agencies have pre-screened surrogates ready for matching, which can significantly reduce wait times.

They also ensure legal protection by securing contracts and parental rights. Comprehensive screening and matching support help minimize potential risks and ensure a smoother journey. Additionally, agencies offer financial guidance, helping intended parents navigate surrogacy costs, insurance options, and available resources.

Fertility Clinics in Nashville, Tennessee

If you are looking for a fertility clinic to begin your journey, consider reaching out to:

• Tennessee Fertility Institute (Nashville, TN)
• Nashville Fertility Center (Nashville, TN)
• Saint Francis Women’s Health and Fertility (Memphis, TN)

Surrogacy Agencies near Nashville

Choosing the right agency is crucial to a successful surrogacy experience. These trusted agencies serve Nashville and the surrounding areas:

• American Surrogacy
• Growing Generations
• Circle Surrogacy

Working with the right professionals can help you navigate the surrogacy process with confidence.

Get Started Today

Surrogacy is an extraordinary opportunity that, with the right planning and guidance, can turn your dream of parenthood into a joyful reality. If you’re ready to take the next step, contact us today. We’ll connect you with trusted surrogacy professionals who can guide you through the process and help you achieve your dream of growing your family.

Speak with a specialist today!