Surrogacy By State

How Much Does Surrogacy Cost in Vermont?


Surrogacy is a wonderful process that helps countless parents create the families they’ve always wanted. Despite the cost of surrogacy in Vermont, you and your family can go through the surrogacy process as well. 

Intended parents come from all kinds of different financial backgrounds, and use a variety of strategies and resources to afford surrogacy.

Keep reading to learn what surrogacy funds are used for and how to build a budget. When you’re ready to get started, contact us for support, advice and to connect with knowledgeable surrogacy professionals.

How Much Does Surrogacy Cost in Vermont?

In Vermont, the average surrogacy ranges from $150,000 to $179,000+. This will be adjusted based on cost of living for your surrogate and your choice of surrogacy professional.

Surrogacy is an attainable goal. Many prospective parents are surprised to discover they can afford surrogacy by creating a budget and utilizing available resources..

For intended parents looking into surrogacy costs, understanding what these funds would be used for is often a useful. Examine this brief summary to get an idea of the surrogacy costs as a whole before we continue:

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 Vermont

The biggest deciding factor in the overall cost will be your choice of surrogacy professional.

Different professionals will use your funds differently. Many have unique strategies for focusing funding, leading to different price structures and overall prices that vary quite a bit from agency to agency.

For example, some agencies focus on minimizing wait times. This could mean directing funds towards marketing and recruitment, so the agency can maintain a large contact list of ready and available surrogates. 

This could affect your funding in several ways: you may pay more marketing fees, but less recurring expenses like insurance fees or agency fees because of a shorter wait time.

Here is another example: take a look at what a cost breakdown from a fairly well-rounded agency:

Vermont Surrogacy
Cost Breakdown

Surrogacy Cost Breakdown in Vermont
Surrogate.com

It’s important to work with an agency that understands your situation and is willing to work with your family. Professionals who value your input and can adjust their services to suit your needs could prove invaluable throughout your surrogacy process. We can help you connect with the perfect professionals for your family.

Reach out to us today to begin.

What’s a Realistic Income for Surrogacy?

There are no set income requirements to become a parent through surrogacy.

The surrogate process is open and accessible to anyone with the required funds – and with publicly available resources and careful budgeting, raising the required funds may not be as challenging as one might assume.

Take Mark and Cody for instance: They budgeted and generated savings, which took care of most of their surrogacy costs. Then they used grants, loans, and other resources to fill out the rest of their funding.

Learn more about their financial strategy in the case study.

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. No one option will be right for everyone.

What Do You Get from Funding A Surrogacy?

With all of these smaller fees and expenses piling up, it can be easy to lose track of the value you’re getting from your investments. Here are three ways surrogacy agencies give your funds back to you in the form of valuable services that help you advance your goals.

When deciding between different surrogacy professionals, it may help to ask each about these benefits, and other services they may provide.

Understanding the Cost of Surrogacy in Vermont

The cost of surrogacy in Vermont can be broken down into collections of smaller fees, all of which can be changed by the cost of living, your choice of agency, and your surrogate’s medical needs.

While most of these fees are granular and can safely be parceled into the overall cost without much discussion, these three significant fees merit special attention:

How Much Does Surrogacy Cost with Insurance in Vermont?

The extent of your insurance’s coverage of surrogate expenses varies quite a bit. Some policies do not extend coverage to surrogates at all. Other policies extend your complete coverage to your surrogate, and may even contribute to her compensation fee.

Figuring out exactly what your insurance will cover in relation to surrogacy can be a complicated endeavor. It’s best to discuss these issues with a knowledgeable professional, experienced with both insurance and surrogacy laws and systems.

If your coverage does not extend to your surrogate, you may need to obtain additional policies. Your surrogacy agency can help with this.

How Much Does a Surrogate Cost in Vermont?

Surrogate compensation in Vermont ranges from $50,000 to $70,000+. This may be adjusted based on where your surrogate lives to account for cost of living. Usually, compensation is the largest single expense in a surrogacy budget.

Compensation is divided between two different funds, reimbursement and base pay.

Reimbursement funds will cover costs for the surrogate directly related to the pregnancy. This may include maternity clothes, medical copays, travel costs, and more.

Base pay is a way to compensate your surrogate for her dedication and the physical toll of pregnancy. Many surrogates use this portion of the fund to help their own family, whether that means setting up a college fund for their own children, or even putting a down payment on a new home.

How Much Does IVF and Surrogacy Cost?

In vitro fertilization (IVF) for intended parents in Vermont could cost anywhere from $10,000 to $15,000 per round.

Once prescribed medication, ordered tests, clinical pricing structures, and other factors have been incorporated, the overall price could exceed $30,000. Your insurance or employer benefits may be able to help with these costs.

Intended parents are recommended to complete IVF before beginning surrogacy. Completing your embryo creation before beginning your search for a surrogate will speed up the entire process and minimize your overall wait times.

Because of this, IVF is often excluded from surrogacy professionals’ cost estimates. Keep this in mind when planning your own financial plan for surrogacy.

Affording Surrogacy in Vermont

Surrogacy is an attainable and affordable process that many families can take part in with thoughtful planning.  Most families use a collection of financial resources to supplement their own funds. By far, the most popular and easily accessible financial resources for intended families are loans.

Loans can be a great way to spread out the cost of surrogacy over time, so you aren’t stuck waiting to gather all your funds all at once.

If you’re looking into financing a surrogacy through borrowing money, be sure to look into home equity and surrogacy-specific loans. These options may be able to secure better repayment terms than an ordinary loan.

As with any loan, only borrow from trusted, established institutions, and carefully consider the long–term impact of borrowing.

If you need more information about borrowing money for surrogacy, contact the professionals at your local bank, credit union, or surrogacy agency.

How to Pay for Surrogacy

A wide variety of expenses from different sources make up the cost of surrogacy – it makes sense then that intended parents address this with a variety of collected financial resources. This list could help you find the first few resources to boost your funds. Remember to consider resources we may have forgotten to include here.

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 Vermont

Surrogacy agencies in Vermont provide intended parents essential services all throughout their process. With the benefits agencies can provide, parents can rest easy and focus on the joyful experience of growing their family. If you’re looking for an agency, consider reaching out to the listed firms.

Fertility Agencies in Vermont

Fertility clinics play a central role in any surrogacy journey. Finding a center where you and your surrogate feel comfortable and in control can greatly improve your experiences through this crucial time in your life. When you’re ready to start your journey, consider reaching out to these clinics.

When Can I Get Started?

You don’t have to wait any longer for the family you’ve always hoped for. Surrogacy operates on your time frame – you can begin whenever you’re ready.

You don’t need a complete plan before contacting a surrogacy professional. In fact, talking to an expert might be just the thing you need to finalize your plan.

Contact us today to connect with compassionate, knowledgeable surrogacy experts who can help you build the family you’ve always dreamed of.

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