While surrogacy with donor eggs can be a significant investment, this path offers the chance to grow your family.
By exploring the costs involved, you’ll be better prepared to create a budget that supports your journey.
Considering surrogacy with donor eggs? Fill out our simple form to get an estimate of how much you can expect to pay and a breakdown of what is included in those costs.
In this article, we’ll break down the key expenses and guide you through options to make surrogacy with a donor egg achievable.
How Much Does Surrogacy With Donor Eggs Cost?
Because the cost of donor eggs and IVF are typically not included in your surrogacy cost, you’ll want to know how much IVF with donor eggs costs and the costs of surrogacy with your surrogacy agency.
Egg Donor Surrogacy Cost Breakdown
Egg Donor IVF Cost
The average cost of an IVF package with donor eggs is typically around $10,000-$45,000. This typically includes:
- Around 6-8 eggs
- Embryo transfer
Some clinics and egg banks may include these services in the package fee or as add-ons:
- Storage
- Shipping
- Fertilization and thaw
- Genetic testing
If you need help finding a clinic with a donor egg program or a donor egg bank, contact us today. We can provide you with reputable professionals near you to consider on your journey.
Read our article about how to find an egg donor.
Surrogacy Costs
Surrogacy costs around $150,000-$200,000 depending on the professional you work with.
We offer a transparent fee structure that outlines exactly what you’re paying for.
Through American Surrogacy, you can expect to pay $169,000-179,000+ with our Limited Risk Program. This fee includes:
- Agency and case management
- Surrogate compensation (depends on experience and location)
- Surrogate expenses (travel/lodging to IVF clinic, lost wages, maternity clothes, etc.)
- Legal fees
- Medical and insurance expenses
What You Get for Your Surrogacy Cost
One of the ways you can ensure you get the support you deserve is by the professional you choose to work with for your journey.
- Financial Protection and Security: We not only offer multiple programs to fit your budget, we offer financial security to protect your investment.
- The Quickest Path to Parenthood: With wait times of just 1-6 months to be matched with a surrogate, you can start life with your new family sooner. Why wait any longer if you don’t have to?
- Experience and Expertise: We have decades of experience with creating families. Our staff is comprised of surrogates and hopeful parents who have been in your shoes.
What Affects the Cost of Surrogacy with Donor Eggs?
- Surrogate location: Surrogates in states with higher living costs often have higher compensation rates.
- Surrogate experience: Surrogates with prior experience are typically paid more for their proven track record of success.
- Clinic rates for IVF and donor egg services: IVF clinics’ rates for egg retrieval, genetic testing and embryo creation can vary significantly. Some clinics offer package deals for IVF and donor egg services, which may reduce costs.
- Quantity of eggs: Most donor egg package costs are based on the cost per egg. The more eggs included, the more you can expect to pay.
Is Surrogacy Covered By Insurance?
Surrogacy is rarely covered comprehensively by insurance, but certain aspects may be eligible for coverage depending on the insurance plan and specific circumstances.
If you have infertility coverage in your plan, it might cover portions of IVF, such as medication or embryo transfer.
Intended parents often purchase additional insurance policies to cover gaps. This is something our specialists can assist you with and is an expense included in our cost.
If you need help determining whether your policy covers surrogacy or finding gap insurance, we have you covered. Contact us today.
Are Donor Eggs Covered by Insurance?
Insurance coverage for donor egg costs is limited, but some policies may cover portions of IVF procedures, such as monitoring or medications. It’s important to:
- Check your insurance plan’s specific infertility coverage.
- Ask your agency or clinic about any billing codes for fertility services that might be covered.
- Consider supplemental insurance policies designed for fertility treatments.
Affording Surrogacy With Donor Eggs
There are several resources you can utilize to help you pay for donor egg surrogacy.
This can include, but is not limited to:
- Loans: Traditional businesses like banks that offer loans for fertility treatments and surrogacy.
- Work Benefits: If you are looking into growing your family, talk to your employer. Some employers provide fertility benefits that help with your cost of surrogacy
- Grants: Surrogacy can be costly but there are family-building professionals that offer grants for those looking to grow their family but are dealing with infertility issues.
- Personal Savings: Some families save for years before growing their family. You can use some of your personal savings for this life-changing opportunity or unexpected costs that arise along the way.
- Fundraising: With technology becoming more and more prevalent there are a number of ways to fundraise to help grow your family. There are traditional avenues like benefits or community events that can help raise money as well as newer avenues online like GoFundMe or Kickstarter.
- Equity: A HELOC is a common source of funding for surrogacy. You only pay it back when you start using it and the limits for a HELOC are typically much higher than credit cards.
Contact us online to learn more about financially preparing for surrogacy with donor eggs.