How Much Does Surrogacy Cost in McAllen, Texas?

Surrogacy in McAllen, Texas, is an exciting opportunity for intended parents to grow their families. However, understanding the financial commitment is crucial before beginning the process.

If you are considering surrogacy in McAllen, here’s what you need to know about the cost of surrogacy in McAllen, Texas, financing options, and how to budget for your journey.

How Much Does Surrogacy Cost in McAllen, Texas?

The cost of surrogacy in McAllen typically ranges between $150,000 and $179,000+, depending on various factors such as agency fees, surrogate compensation, medical expenses, legal services, and insurance coverage. These costs can fluctuate based on individual circumstances and the specific needs of your journey.

A Surrogacy Cost Breakdown in McAllen, Texas

Understanding the breakdown of surrogacy expenses can help you create a realistic financial plan. Below is an estimated cost breakdown for surrogacy in McAllen:

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.

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:

• Quick Matching Services: Some intended parents wait for years to find a surrogate that’s right for them; however, when parents like you work with an agency, they’ll likely get started within a few weeks. Keeping wait times low puts you in the driver’s seat of your experience, and gives you options you may not have otherwise.
• Surrogate Screenings: Surrogacy is a hard job. The best agencies screen out surrogates who may have less than ideal medical situations for the intended child. Some, like American Surrogacy, end up turning away 98% of surrogate applicants to ensure a smooth process for their intended families.
• Financial Risk Protection: In any pregnancy, there is always some level of risk. At the best agencies, just like counselors and social workers are there to help you in the emotional aftermath of a disruption; skilled account managers will be there to help you financially. Built-in financial protections ensure you won’t have to restart your journey.

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 McAllen, Texas

To understand the costs of surrogacy in McAllen, 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 McAllen, Texas?

Insurance coverage for surrogacy is complex. Many standard insurance policies do not cover surrogacy-related medical costs, requiring intended parents to purchase an additional surrogacy-specific insurance policy, which can cost between several thousand dollars. Consulting with a surrogacy professional or insurance expert is essential to understand your coverage options.

How Much Does a Surrogate Cost in McAllen, Texas?

A surrogate in McAllen, Texas, typically earns between $50,000 and $70,000+. The compensation is divided into base pay and reimbursements:

·         Base Pay: This is the surrogate’s main compensation for carrying the pregnancy, often used to improve her family’s financial situation.

·         Reimbursements: These cover pregnancy-related expenses, including medical bills, travel, maternity clothing, lost wages, and other associated costs.

How Much Does IVF and Surrogacy Cost?

The cost of IVF in McAllen can range from $10,000 to $30,000 per cycle, depending on medication requirements, testing, and clinic fees. While some intended parents may have insurance that partially covers IVF, others may need to finance the procedure independently. Many surrogacy professionals recommend completing embryo creation before starting the surrogacy process to reduce delays and unexpected costs.