Building your family shouldn't be out of reach because of cost. We help you understand every financial factor and connect you with financing options built specifically for fertility journeys.
Planning for the financial aspects of surrogacy can be daunting. Through our partnership with CapexMD, we offer customized loan programs with highly competitive rates and a variety of loan types. Their simple loan process makes fertility financing relatively stress-free — once approved, our financial counselors work closely with their Fertility Loan Specialists to make sure your funds are secured on time and your treatment isn't delayed.
Overall cost factors include surrogate screening, legal fees, number of embryos carried, and surrogate medical costs including OB care, insurance, and travel. Our team will walk you through every option.
First-time gestational surrogates may seem riskier due to their unknown response to treatment, but nothing is certain either way — first-time surrogates often sail through with no problems, while experienced surrogates can occasionally develop a response that couldn't be predicted or prevented. Neither path is inherently safer.
Local surrogates may save on mileage reimbursement but are the most highly prized population, meaning more competition and a longer search. Out-of-state surrogates are often more readily available and typically receive lower base compensation, which can ease overall costs — our attorneys are well-versed in other states' surrogacy laws. In most cases, as long as the contract is signed, embryo transfer occurs, or delivery happens in California, California's surrogacy laws apply.
Your specific fertility treatment needs — such as needing an egg donor or genetic testing on embryos before transfer — will add to your fees. International intended parents may have significant travel expenses, longer stays, and newborn medical coverage needs. Physician-ordered bed rest for your surrogate prior to delivery is another unpredictable variable that can add cost due to lost wages and child care.
Many modern insurance plans are favorable to, or don't specifically exclude, surrogacy — but the best plans aren't always the ones your surrogate's household finds most feasible. Covered California (a common option) has a limited annual open-enrollment window, so timing matters. In some cases it's better for your surrogate to remain on a spouse or partner's employer plan. An insurance review is always conducted for your surrogate by an insurance expert, as mandated by California surrogacy law.