Surrogacy By State

How Much Does Surrogacy Cost in Texas?


The cost of surrogacy in Texas is a significant factor for families to consider, but it shouldn’t get in the way of growing your family.

In this guide, you’ll learn about the costs of surrogacy, how your funds are used, and different methods of securing the funding required. To learn even more about the surrogacy process, or to connect to respected professionals, contact us today.

How Much Does Surrogacy Cost in Texas?

Surrogacy in Texas can cost between $150,000 and $179,000+ overall. This price may be affected by the cost of living in your surrogate’s home state.

Intended parents come from all different financial backgrounds, and often use a combination of careful budgeting and available financial resources to be able to afford surrogacy. Surrogacy can be an attainable goal for you and your family.

Understanding the finances involved in the surrogacy process is the first step toward making a financial plan. Review this brief explanation of various surrogacy fees and their uses.

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 Texas

The biggest deciding factor in your overall price will be your choice of surrogacy professional. While many professionals share similar goals, they often pursue those goals in very different ways.

For example, one agency may put a lot of emphasis on screening surrogates before matching, while another may be more concerned about securing quality legal advisors. As you may imagine, these differences result in different pricing structures, and variable overall costs. Here is an example of what a cost breakdown from an agency may look like:

Texas Surrogacy
Cost Breakdown

Surrogacy Cost Breakdown in Texas
Surrogate.com

You deserve to work with an agency that shares your priorities and listens to your feedback. After all, no one knows your family’s circumstances better than you do. To connect with talented agents who are ready to help you reach your goals, get in touch with us today.

What’s a Realistic Income for Surrogacy?

There are no set requirements to qualify for surrogacy. Anyone with the required funds can become a parent through the process. This means that surrogacy is open to anyone with reliable income and a careful budgetary plan.

Intended parents often find it useful to combine several different financial resources to help pay for surrogacy. Take Mark and Cody, who used long-term savings, grant money, and financing from a bank to afford their 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. Each option may suit different financial situation.

What Do You Get from Your Surrogacy Costs?

With all these different fees being discussed, it may be easy to lose track of the actual benefits afforded to parents through these funds. Here are three of the key benefits:

While considering which professional would best your hard-earned funds, be sure to ask about wait times, financial protection, and surrogate pre-screening.

Understanding the Cost of Surrogacy in Texas

To understand the costs of surrogacy in Texas, we should think of the overall price not as one fee, but a collection of smaller fees, each subject to change. Let’s examine three of the most important fees:

How Much Does Surrogacy Cost with Insurance in Texas?

Insurance and how it covers surrogacy can be complicated. For example, many policies use vague terms like “when deemed medically necessary.” Though this seems straight forward, it is anything but. If your surrogate is undergoing IVF for your family instead of her own, an insurance company could deem this medically unnecessary and deny her claim.

To avoid being caught in surprising denials like this, it’s best to discuss your coverage with a professional who has experience with both surrogacy and insurance law.

Some insurance policies extend their coverage to surrogates – some will even help pay the surrogate’s compensation fee.

However, most ignore or exclude surrogacy, meaning you’ll likely need to find additional coverage for your surrogate before the gestation begins.

For intended parents working with an agency, this process can be simple, as some agencies will obtain additional insurance on your behalf.

How Much Does a Surrogate Cost in Texas?

Surrogate compensation in Texas ranges from $50,000 to $70,000+, and can be raised or lowered based on the surrogate’s cost of living. This will likely be the largest single expense within your surrogacy budget.

Surrogate compensation is actually two distinct funds, one called reimbursement and another called base pay.

Reimbursements go towards covering expenses directly caused by the pregnancy. This can include travel costs, lost wages, copays and other medical expenses, maternity clothing costs and more.

Reimbursement helps ensure the surrogate and your expected child are well taken care of all the way through the gestation period.

Base pay is a more traditional compensation, which helps reward your surrogate for her dedication. Surrogates often use this fee to better their own children’s lives in some way, like making a down payment on a new house or establishing a college fund.

How Much Does IVF and Surrogacy Cost?

IVF in Texas costs between $10,000 and $30,000 per round. This wide range is due to variables like which medications are prescribed, which tests are ordered, the clinic’s specific pricing structure and more.  Your insurance may be able to help you with this cost.

Surrogacy experts recommend completing IVF before ever reaching out to a surrogacy professional. This will help expedite your process and reduce your wait times.

Because of the order of this, IVF is often left out of overall cost estimates by surrogacy professionals. Keep that in mind as you build your financial plan.

Affording Surrogacy in Texas

Surrogacy can be affordable for almost anyone with the right toolset. Most families will need to combine a few different resources to finance their process. For many, one of their biggest assets will be a loan.

If you’re considering supplementing your surrogacy funds with a loan, be sure to read about surrogacy-specific loans and home equity-backed borrowing in the next section. These two could help you secure more favorable terms for your repayment plan.

Only borrow from trusted, established institutions. As with any financial decision, carefully consider the possible lasting impact on your family and your life.

How to Pay for Surrogacy

Surrogacy loans are the most popular and most easily accessible resource, but they’re far from the only option. This list may give you a starting point to help you begin. Remember, this is only a starting point. Take stock of your resources and consider what unique assets you may be able to use to help raise your surrogacy funds.

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 Texas

Surrogacy agencies are a valuable resource for Texan families. If you’re looking for a local surrogacy agency to help you grow your family, consider contacting these Texas surrogacy agencies.

Fertility Agencies in Texas

Fertility clinics are essential to every surrogacy journey. Finding a clinic that you trust can greatly improve the process. When you’re ready, consider reaching out to one of these quality clinics.

When Can I Get Started?

You can begin as soon as you’re ready by contacting a surrogacy professional to discuss your options. As you move forward with this incredible process, consider contacting us.

We can help you complete your budgeting plan, gather information or connect to helpful professionals. The sooner you take this first step, the sooner you can hold your child in your arms.

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