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

Welcoming a child through surrogacy in Smyrna, Tennessee, is a deeply rewarding experience that brings immeasurable joy to growing families. While the journey is filled with hope and excitement, the financial aspect can be a challenge. The cost of surrogacy is significant, but with the right resources and planning, it can be an achievable goal.

Whether you’re looking for ways to finance your surrogacy journey or seeking expert guidance, there are professionals ready to assist you. Keep reading to explore surrogacy costs in Smyrna, or reach out for personalized support from experienced professionals.

How Much Does Surrogacy Cost in Tennessee?

The total cost of surrogacy in Smyrna typically ranges between $100,000-$200,000+. While this number may initially seem daunting, it reflects the comprehensive support required to create a safe and successful surrogacy journey.

These costs include medical treatments, legal protections, and surrogate compensation, all of which contribute to a secure and well-managed process.

Surrogacy is a carefully structured path to parenthood, supported by experienced professionals who help guide intended parents at every stage. By leveraging financial resources such as savings, grants, and employer benefits, surrogacy can be an attainable option for many families.

Surrogacy Cost Breakdown: How Much Does Surrogacy Cost?

Understanding how funds are allocated in a surrogacy journey can provide clarity and confidence. Here’s a general breakdown of surrogacy costs:

• Surrogate Compensation and Benefits – 35%: Surrogate compensation is the largest single expense in the surrogacy process, covering both base pay and additional benefits to ensure the surrogate’s well-being throughout the journey. This payment not only acknowledges the surrogate’s physical and emotional commitment but also provides financial security for her and her family. 
• Medical Expenses – 11%: Medical expenses in surrogacy cover a range of essential healthcare costs, including prenatal care, labor and delivery fees, and any necessary medical procedures to ensure a healthy pregnancy. These costs also encompass fertility treatments, embryo transfers, and specialized medical monitoring, all of which play a vital role in supporting both the surrogate and the intended parents throughout the journey.
• Agency Fees – 21%: Agency fees cover the essential services that ensure a smooth and professionally managed surrogacy journey, including surrogate recruitment, case management, and coordination of medical, legal, and financial aspects. These fees support the expertise and resources agencies provide, streamlining the process for intended parents while offering guidance, security, and peace of mind at every stage of the journey.
• Matching & Screening – 27%: This portion of the surrogacy cost ensures that both intended parents and surrogates are thoroughly vetted through an extensive evaluation process, including background checks, medical screenings, and psychological assessments. These crucial steps help create a secure and successful surrogacy journey by ensuring compatibility, reducing potential risks, and fostering a positive experience.
• Legal Fees – 6%: Legal fees cover the critical contracts and agreements that protect both the intended parents and the surrogate, ensuring clarity and security throughout the surrogacy process. These costs include drafting and reviewing legal documents, establishing parental rights, handling court proceedings when necessary, and ensuring compliance with state and federal surrogacy laws.

How Much Does Surrogacy Cost with Insurance?

Insurance coverage can help alleviate some surrogacy costs, though policies vary widely. Some may assist with medical expenses or IVF treatments, while others exclude surrogacy-related costs entirely.

Reviewing your current policy and seeking expert advice can uncover potential financial support. If additional coverage is necessary, professional guidance can help you find cost-effective solutions.

Realistic Surrogacy Compensation and Costs in Tennessee

Compensation for surrogates in Tennessee generally ranges from $50,000 to $70,000+. This amount reflects the dedication, commitment, and physical demands of surrogacy. Surrogates play an invaluable role, and fair compensation ensures they receive the necessary financial support throughout the process.

These funds help cover medical expenses, lost wages, and pregnancy-related needs while acknowledging the surrogate’s selfless contribution to growing families.

How Much Does IVF and Surrogacy Cost?

IVF is an essential part of gestational surrogacy, enabling intended parents to create embryos for transfer. In Tennessee, IVF treatments typically cost $12,000 to $25,000+, depending on medical factors.

While separate from the surrogacy process, IVF is a crucial step in ensuring a successful pregnancy. Many intended parents utilize grants, employer benefits, or specialized fertility loans to make this cost manageable.

Surrogacy Financing: Costs, Strategies & Resources

Surrogacy is a significant financial commitment, but various funding options can make it possible. Here are some common strategies:

• Personal Savings – Many intended parents rely on personal savings to help cover surrogacy expenses, using funds set aside specifically for family-building goals. By planning ahead and allocating financial resources over time, they can reduce reliance on loans or other external funding sources, making surrogacy a more manageable and realistic option.
• Grants & Scholarships – Numerous organizations offer financial assistance specifically designed to help intended parents manage the high costs of surrogacy. These programs, often provided by fertility foundations and nonprofit organizations, can cover a portion of medical, legal, or agency expenses, making the surrogacy journey more accessible to a wider range of families.
• Employer Benefits – Many employers now recognize the importance of family-building benefits and offer fertility and surrogacy assistance as part of their healthcare or benefits package. Depending on the employer, this could include financial reimbursement for fertility treatments, paid leave for surrogacy-related medical procedures, or specialized insurance plans covering surrogacy expenses.
• Loans – Financing options tailored to fertility and surrogacy allow intended parents to manage costs more effectively by breaking expenses into manageable payments, reducing the immediate financial burden. Whether through specialized fertility loans, personal financing plans, or structured repayment programs, these options provide flexibility and accessibility, making surrogacy a viable path for more families.
• Home Equity Financing – Homeowners can use the equity in their property to secure lower-interest financing, providing a cost-effective way to cover surrogacy expenses without depleting personal savings. By tapping into home equity, intended parents may access substantial funds with manageable repayment terms, making this a practical option for those looking to distribute the financial burden of surrogacy over time.
• Fundraising & Crowdfunding – Engaging with your community through fundraising efforts can be a powerful way to gather financial support, whether through online crowdfunding platforms, benefit events, or direct contributions from friends and family. Many intended parents have successfully used these methods to supplement their surrogacy costs.

Surrogacy Financing Success: Mark & Cody’s Story

Mark and Cody’s journey to parenthood proves that surrogacy is possible with the right financial strategy. Faced with the high costs, they turned to the very resources listed above—personal savings, a fertility loan, and a family building grant—to make their dream a reality.

By carefully planning and utilizing multiple funding sources, they successfully navigated the financial challenges of surrogacy. Today, they are proud fathers to a beautiful child. If you take similar steps, your surrogacy journey could have the same happy outcome.

Surrogacy Cost and Benefits of Using a Surrogacy Agencies

A major benefit of working with a surrogacy agency is reduced wait times. Agencies have pre-screened surrogate networks, enabling faster matches compared to independent searches. This means families can start their journey sooner and avoid unnecessary delays.

Agencies provide essential support throughout the surrogacy journey. They screen surrogates thoroughly, ensuring they are medically and emotionally prepared. They also handle legal and financial matters, such as contracts and escrow accounts, reducing risks and streamlining the process for everyone involved.

Choosing the right surrogacy agency is crucial. Some specialize in specific matches or offer added services like counseling and financial planning. Reviewing reputation, costs, and client reviews can help you find the best fit. The right agency can make your journey much smoother.

Local Tennessee Clinics near Smyrna That Perform IVF

For those beginning the IVF process, here are some respected fertility clinics near Smyrna:

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

Local Tennessee Surrogacy Agencies near Smyrna

Working with an experienced agency is crucial for a successful surrogacy journey. Here are some recommended agencies near Smyrna:

• American Surrogacy
• Circle Surrogacy
• Growing Generations

These agencies provide expert guidance to help intended parents navigate the surrogacy process.

Start Your Surrogacy Journey Today

Surrogacy is more than a medical process—it is a transformative journey that brings families together, creating bonds that last a lifetime. You don’t have to navigate this path alone; reach out to compassionate surrogacy professionals who can provide expert guidance and personalized support needed to make your dream of parenthood a reality.

Contact us today!