How to Pay for Surrogacy: A Guide to the Available Options for Intended Parents

So you’re thinking about surrogacy and you’re wondering how to pay for it. I totally get it – surrogacy can be expensive, but there are options to help you cover the costs. Let me give you a rundown of the available options:

  1. Personal savings

    Intended parents can use their personal savings to pay for surrogacy expenses. This may include expenses such as medical procedures, legal fees, and compensation for the surrogate. Using personal savings can give intended parents more control over the costs and expenses associated with surrogacy.

  2. Loans

    Intended parents can take out a loan specifically for surrogacy expenses. This may include loans from banks, credit unions, or online lenders. Intended parents may want to compare the terms, interest rates, and repayment options of different loans before choosing the one that works best for them.

  3. Insurance

    Some health insurance policies may cover some surrogacy expenses, such as prenatal care and delivery. Intended parents may also have the option of purchasing a separate insurance policy to cover additional expenses, such as compensation for the surrogate or legal fees. Intended parents may want to carefully review their insurance options and understand what is covered before proceeding with surrogacy.

  4. Crowdfunding

    Intended parents may choose to launch a crowdfunding campaign to help cover the costs of surrogacy. This may involve setting up a website or using an online platform to solicit donations from friends, family, and others who are willing to support their surrogacy journey. Crowdfunding can be a useful tool for intended parents who need to raise funds quickly or who don’t have access to traditional financing options.

  5. Surrogacy grant

    There are organizations that offer grants or financial assistance to help intended parents with the costs of surrogacy. These grants may be based on financial need, health conditions, or other criteria. Intended parents may want to research the availability of grants and carefully review the application process and requirements before applying.

It’s always a good idea to carefully consider each option and determine what works best for you. Don’t be afraid to ask for help or advice from surrogacy agencies, attorneys, or financial advisors. And remember, it’s always important to have a clear understanding of the costs involved in surrogacy and to have a solid plan in place for paying for it. Good luck!

About Attorney Nicole K. White

As a mother by gestational surrogacy and as a surrogacy lawyer, my goal is to help you experience the joy and fulfillment of starting or growing a family of your own through third party reproduction. Because I am a mother by gestational surrogacy, I know firsthand what you will need – answers to your questions, support and guidance – and, I know what you will go through when starting your family. My experience as a surrogacy lawyer helps me guide you through the financial, emotional and legal aspects of surrogacy and third party reproduction. I can say with confidence that few (if any) attorneys deliver the unique insight I can bring to your surrogacy journey.

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