How Much Does Surrogacy Cost in Montana?

Surrogacy can be a great option for families looking to grow, especially when other paths to parenthood are no longer viable. If you’re just starting to explore this journey, one of your first questions might be how much the process costs — and how it works where you live.

If you're considering surrogacy in Montana, this guide will walk you through what expenses to expect, how the legal landscape affects the process, and how American Surrogacy can support you along the way.

How Much Does Surrogacy Cost in Montana?

The average cost of surrogacy in Montana ranges from $100,000 to $200,000+. This total includes program coordination, surrogate compensation, legal services, medical procedures, and insurance expenses. While Montana has no statute specifically regulating gestational surrogacy, courts have historically allowed surrogacy arrangements and granted parental rights to intended parents with proper legal contracts in place.

With the right support team and legal guidance, surrogacy in Montana can be both possible and secure.

American Surrogacy’s Programs in Montana

We offer three different surrogacy programs to help meet the financial and planning needs of intended parents:

Limited Risk Program ($169,900 - $179,000+): A full-service option that includes financial protections for events like failed embryo transfers, rematches, and early complications. Most intended parents are matched with a surrogate in 1 to 4 months.
Foundation Program ($115,400 - $170,000+): A pay-as-you-go model that includes full coordination but fewer financial safeguards. This is ideal for families who want to manage payments over time.
Independent Program (starting at $17,000): Designed for those who already have a surrogate match. This option provides essential coordination but does not include surrogate compensation, medical care, or legal expenses. Independent journeys often still total over $100,000 once fully accounted for.

You can compare the programs in detail by visiting our Full-Service Programs or learning more about our Independent Program.

Surrogacy Cost Breakdown

Every surrogacy journey involves a number of coordinated expenses. These typically include:

Agency fees: Covering screening, matching with a qualified surrogate, scheduling, legal coordination, and full case management
Surrogate compensation: Base pay and reimbursements for pregnancy-related expenses such as lost wages, travel, and maternity needs
Legal services: Drafting and reviewing contracts and pursuing pre- or post-birth parentage orders in court
Medical costs: IVF treatment, embryo transfer, monitoring, and prenatal care

These costs ensure your journey is medically safe, legally sound, and professionally guided from start to finish.

Understanding Agency Fees and Surrogate Compensation

Agency fees cover the ongoing work that makes your surrogacy experience manageable. This includes screening potential surrogates, facilitating communication, managing financial accounts, and providing 24/7 support throughout the journey.

In Montana, surrogate compensation usually starts at $50,000, with total packages — including reimbursed costs — averaging between $60,000 and $75,000 or more. Typical reimbursements include:

Maternity clothing and wellness expenses
Lost wages and childcare
Travel and lodging for appointments
Insurance premiums and out-of-pocket medical costs

All compensation is distributed through a third-party escrow account to ensure transparency, fairness, and legal compliance.

Managing Surrogacy Costs Without Surprises

Surrogacy costs can shift if there are unexpected medical, legal, or logistical complications. American Surrogacy’s Limited Risk Program is designed to help reduce the financial stress that can come from these scenarios.

This program offers protection for events like failed embryo transfers, the need for a surrogate rematch, or early medical issues — helping families maintain financial stability and peace of mind throughout the journey.

How Much Does a Surrogate Cost in Montana?

Surrogates in Montana are generally compensated at a base rate of $50,000, with total compensation typically reaching $60,000 to $75,000+ after reimbursements are added. These costs are a vital part of your overall surrogacy budget, and they reflect the time, risk, and commitment a surrogate gives.

If you’re using the Independent Program, you’ll coordinate and manage these payments directly, separate from the program fee. Even in those cases, most journeys still exceed $100,000 once medical, legal, and logistical costs are included.

How Much Does Surrogacy Cost with Insurance in Montana?

How much surrogacy costs with insurance in Montana depends on your personal health plan and your surrogate’s coverage. While most insurance plans won’t cover surrogate compensation or agency fees, they may offer partial support for:

Fertility testing and IVF
Fertility medications
Prenatal and delivery care (if your surrogate is covered)

Common insurance providers in Montana include Blue Cross Blue Shield of Montana, PacificSource, and Montana Health CO-OP. During the intake process, we’ll review both policies to ensure any gaps in coverage are addressed early.

How Much Does IVF and Surrogacy Cost?

If IVF is part of your journey, your surrogacy budget will include additional medical costs. These services often include:

IVF treatment and procedures
Fertility medications
Donor sperm or eggs (if applicable)
Lab testing, monitoring, and fertility assessments

Montana has a growing network of fertility clinics, including options in Billings, Bozeman, and Missoula. We can help you select a provider that fits your medical and financial needs.

Affording Surrogacy

While surrogacy is a major financial undertaking, families in Montana have access to several tools and resources to make the process more affordable. In addition to our affordable surrogacy programs, you may consider:

Grants and scholarships:

Employer-sponsored fertility benefits, including:

Carrot Fertility
Progyny

Personal finance options: Health savings accounts (HSAs), home equity loans, and retirement plan borrowing are all commonly used strategies.

Affording Surrogacy: Fertility Financing Options

Our team will work with you to create a financial roadmap that makes your surrogacy journey achievable and sustainable. To help ensure you work with a trusted service provider, we have a surrogacy financing partner who provides excellent services that help make surrogacy more affordable:

Sunfish: Sunfish offers low-interest fertility loans for IVF, surrogacy, and egg donors for American Surrogacy. They make parenthood attainable for all types of families through financial solutions, support, and guidance.

Learn more about financing your surrogacy through Sunfish here.

Why Work with American Surrogacy?

Choosing the right agency is an essential part of the surrogacy process — especially in a state like Montana, where surrogacy laws are less defined but still workable. Here’s what sets American Surrogacy apart:

Efficient surrogate matching: Most intended parents are matched in 1 to 4 months through our nationwide network of pre-screened surrogates.
Strong legal partnerships: We work with attorneys familiar with surrogacy practices in Montana to ensure your contracts and court filings are handled properly.
Dedicated case management: You'll have a consistent point of contact who manages your journey from consultation to final parentage order.
Flexible and protective programs: Whether you want a budget-conscious path or the assurance of built-in protections, we have options designed to fit your needs.
Support for everyone involved: We take care of both intended parents and surrogates — helping each side feel heard, respected, and cared for.

With American Surrogacy, you’re not just signing up for a service — you’re gaining a team that understands your goals and is committed to seeing you through.

Next Steps in Your Surrogacy Journey

While Montana does not have specific laws governing surrogacy, the process is legally recognized when proper contracts are in place and managed by experienced professionals. Families of all backgrounds — including LGBTQ+ individuals and couples — can pursue surrogacy here with the right legal team and support system.

If you're ready to move forward, contact American Surrogacy today to speak with a specialist about beginning your surrogacy journey in Montana.