Surrogacy By State

How Much Does Surrogacy Cost in Tennessee?


Welcoming a child into the world through gestational surrogacy can be a truly beautiful, life-changing event.

However, the cost of surrogacy in Tennessee may cause prospective parents to doubt they could ever have the opportunity to experience this for themselves.

Fortunately, cost is not the barrier some may believe it to be.

Surrogacy is an attainable goal, and the process is open to anyone. Once they’ve spoken to professionals and made a financial plan, most families realize surrogacy is much more accessible than they’d assumed.

If you’re trying to decide whether surrogacy is right for you, contact us. We can help walk you through every aspect of the process, including making a financial plan, or connect you with the perfect surrogacy professionals for your family.

How Much Does Surrogacy Cost in Tennessee?

The cost of surrogacy in Tennessee ranges from $150,000 to $179,000 or more. This price could be adjusted based on your surrogate’s cost of living.

While these estimates can be shocking for intended parents, surrogacy can be attainable for you and your family. Intended parents come from all different kinds of financial backgrounds, and often combine resources to make surrogacy attainable. Once you’ve learned more about funding a surrogacy, you may realize the cost isn’t high enough to keep you from building the family you’ve always wanted.  Let’s start by breaking down some of the ways this funding will be used.

Surrogacy agencies facilitate your process, and take care of a huge chunk of the technical work so you won’t have to. These fees cover things like coordination, support, matching services and more.

Surrogates undertake a huge responsibility and physical endeavor that could impact their body for years. This expense compensates them and reimburses them for maternity clothes, lost wages and more.

Both you and the surrogate need legal representation, to ensure everyone’s rights are protected. This fee also covers contract drafting.

Some agencies screen prospective surrogates before matching them with families. This helps keep complications from coming up unexpectedly during the surrogacy process.

These fees cover the cost of various procedures needed during this process, such as fertility treatments for the surrogate, the embryo transfer, delivery costs and other medical interventions.

Some costs like travel expenses, lost wages and costs related to pregnancy complications are hard to predict and can change based on your situation. 

An Example Surrogacy Cost Breakdown in Tennessee

Your overall price will have many factors influencing it, but none are as impactful as your choice of surrogacy professional. These professionals each have unique methods of distributing funding, meaning your price can vary significantly from one to another.

Professionals adjust their strategies based on personal experience, concerns about your local area and your family’s unique circumstances. For instance, some professionals focus more on the legal side, while some focus on recruitment and health-related screenings of potential surrogates.

Here is an example of what an average agency’s fees may look like:

Tennessee Surrogacy
Cost Breakdown

Surrogacy Cost Breakdown in Tennessee
Surrogate.com

No one knows your family’s circumstances better than you; you deserve to work with an agency which recognizes that. The best surrogacy professionals will adapt to your needs and prioritize your decisions. Contact us today for help finding personable, customizable care.

What’s a Realistic Income for Surrogacy?

While surrogacy is not restricted by an income requirement, it does require sufficient financial planning. Anyone with the necessary funding can become a parent through surrogacy.  Securing this funding can be challenging, however, there are accessible options to support your family’s surrogacy journey.

For instance, consider Mark and Cody, who combined several different financial assets to afford surrogacy.

DID YOU KNOW?

There are many paths available for those looking to finance their surrogacy. Intended parents often use a combination of personal savings, community fundraising, and specialized surrogacy loans to build a financial plan. The best approach depends on individual circumstances.

What Do You Get from Funding A Surrogacy?

With all the fees involved in surrogacy, it can be easy to forget how your funds how your funds provide direct benefits. Here are three ways agencies use your funds to provide direct, tangible benefits to your family throughout the surrogacy process:

When weighing the costs and benefits of your possible professional surrogacy partners, make sure to ask them about financial security, health screenings and wait times.

Understanding the Cost of Surrogacy in Tennessee

The cost of surrogacy in Tennessee could be thought of as a collection of different fees and expenses. These can each fluctuate, based on cost of living, medical necessity, your choice of surrogacy agency and more. There are three specific fees in this collection that may benefit from special attention:

How Much Does Surrogacy Cost with Insurance in Tennessee?

Insurance costs can significantly impact your surrogacy journey. Your existing insurance may extend your coverage to your surrogate, so be sure to read your terms closely, or even contact your agent. Some policies will even help you pay for your surrogate’s compensation fee.

However, it’s much more common for insurance to exclude surrogate coverage, or to not mention it at all. In this case, additional insurance will need to be obtained. You could do this out of pocket, but if you’re working with an agency they may be able to obtain coverage for you at no additional cost.

How Much Does a Surrogate Cost in Tennessee?

Surrogate compensation in Tennessee ranges between $50,000 and $70,000+. Because this is adjusted for cost of living and Tennessee is a very affordable place to live, your compensation fee will likely be on the low end of this estimate.

If your surrogate is from out of state, the fee will be adjusted based on where she lives.

Your surrogate’s compensation will be the largest single expense of your surrogacy budget. This fee is split between two separate funds provided to the surrogate.

The first is called reimbursements, and is used to cover travel expenses, maternity clothes, lost wages, copays and any other expense directly related to her pregnancy.

The second fund is called base pay, and it functions much more like traditional pay. This helps compensate your surrogate for her dedication and willingness to take on mental, emotional and potentially permanent physical changes to help you grow your family.

How Much Does IVF and Surrogacy Cost?

IVF in Tennessee costs between $12,000 and $15,000. Depending on medications prescribed, tests ordered and other factors in your clinic, costs could climb to $25,000 or more. Your insurance or employee benefits could help with this cost.

Most surrogacy professionals don’t list the cost of IVF in their overall price estimates, because most recommend completing embryo creation before beginning the surrogacy process. Completing IVF first helps the entire surrogacy process move faster, and could save you time in the long run.

Be aware of the cost of IVF while formulating your surrogacy budget.

Affording Surrogacy in Tennessee

Surrogacy is attainable, but not without careful financial planning. When it comes to affording surrogacy, most intended parents will need to gather several different financial resources to raise the required funds.

Loans are the most popular and the most accessible method of surrogacy fundraising. Most intended families rely on some form of borrowed money to make up at least a portion of these funds.

If you’re considering supplementing your funds with a loan, be sure to only borrow from trusted, established institutions.

You may want to read about home equity and surrogacy specific loans below; these methods of borrowing may help you secure more favorable terms.

If you need more in depth information about how a loan may affect your family, you can reach out to your local credit union, bank or surrogacy agency.

How to Pay for Surrogacy

Intended parents usually use an array of different resources to raise the funds required for surrogacy. Gathering these resources can be a long process, but we’ve compiled a list to help you get started.

Remember, this is just a beginning. Take stock of any unique assets you may have access to, and consider how they may be able to contribute to your funding effort.

Many intended parents save for years, little by little, in order to afford surrogacy.

If you have any profitable investments like long-term mutual funds, these could take care of much of the costs.

Homeowners can take out a Home Equity Line of Credit (HELOC). This method is often overlooked, but it comes highly recommended by economists.

Many charitable organizations offer grants to intended parents. This can be an impactful supplement to assist your budget.

Some companies offer adoption assistance, which can often be extended to surrogacy. Some companies even offer surrogacy-specific benefits.

There are also loans available for intended parents. Surrogacy professionals may offer a financing plan, or they may work with partner organizations like Sunfish or FutureFamily. Be aware of predatory lending and high interest rates. Consult a surrogacy professional for more information and personalized advice. 

Surrogacy Agencies in Tennessee

Surrogacy agencies provide intended parents incredibly important resources. From legal counsel and insurance aid to prescreening and matching services, it would be incredibly hard to replace an agency’s services.  If you’re looking for local surrogacy agency in Tennessee, consider contacting these trusted firms.

Fertility Agencies in Tennessee

Finding a fertility clinic you trust can help you and your surrogate feel comfortable and secure throughout the entire surrogacy process. Consider contacting one of these local clinics when you’re ready to begin.

When Can I Get Started?

You don’t need to have everything ready before you start your surrogacy process. Contacting professionals sooner in the process will only help you. Contact us today to be put in touch with a professional who suits your needs. The sooner you take this first step, the sooner you can hold your child in your arms.

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