How Much Does Surrogacy Cost in Pennsylvania?

Surrogacy is a growing option for families across the U.S., and for many in Pennsylvania, it provides a clear and meaningful path to parenthood. If you're starting to explore this process, one of the first questions you're likely asking is: How much does surrogacy cost in Pennsylvania?

This guide outlines the typical expenses involved in surrogacy, how Pennsylvania’s legal system supports the process, and how American Surrogacy can help you plan, protect, and complete your journey with confidence.

How Much Does Surrogacy Cost in Pennsylvania?

The total cost of surrogacy in Pennsylvania usually ranges from $100,000 to $200,000+, depending on the services you require. This includes compensation for your surrogate, agency coordination, legal work, IVF procedures, and insurance-related expenses.

While Pennsylvania does not have a formal statute regulating gestational surrogacy, the state is surrogacy-permissive. With the right legal team and agency guidance, surrogacy is a safe and viable family-building option in Pennsylvania.

American Surrogacy’s Programs in Pennsylvania

We offer three surrogacy programs tailored to match your budget, timeline, and level of desired financial protection:

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 families who already have a surrogate. This program offers professional coordination but does not cover surrogate compensation, IVF, or legal services. Even with a known match, most independent journeys exceed $100,000 in total expenses.

For a full comparison, visit our Full-Service Programs or read more about our Independent Program.

Surrogacy Cost Breakdown

Cost breakdown for surrogacy in Pennsylvania

Here are the core cost categories typically involved in a Pennsylvania surrogacy journey:

Agency fees: Covering case management, surrogate matching and screening, trust account oversight, legal referrals, and ongoing support
Surrogate compensation: Base pay plus reimbursements for lost wages, travel, maternity items, and other approved expenses
Legal fees: Drafting surrogacy contracts and securing enforceable parentage orders in accordance with Pennsylvania law
Medical expenses: IVF procedures, embryo transfer, medications, prenatal care, and delivery costs

Each of these services ensures that your journey is secure, structured, and ethically guided.

Understanding Agency Services and Surrogate Compensation

Agency services are the foundation of a successful surrogacy journey. From screening qualified surrogates to managing the timeline, financial accounts, and legal filings, our team coordinates every moving part on your behalf. You’ll also work with a dedicated case specialist from beginning to end.

In Pennsylvania, most surrogates receive a base compensation starting at $50,000, with total compensation packages — including reimbursements — averaging between $60,000 and $75,000+. These reimbursements often include:

Travel and lodging
Lost wages and childcare
Maternity clothes and wellness support
Insurance premiums and out-of-pocket medical costs

To ensure transparency and legal compliance, all funds are distributed through a licensed third-party escrow provider.

Planning for Unexpected Costs

Surrogacy can involve surprises — from failed embryo transfers to match disruptions or medical challenges. To reduce this financial uncertainty, many families choose our Limited Risk Program, which includes protections that keep your costs more predictable even when setbacks occur.

This plan is designed to help families focus on building their family, not worrying about unexpected expenses.

How Much Does a Surrogate Cost in Pennsylvania?

Surrogate compensation in Pennsylvania typically starts at $50,000, and with added reimbursements, total compensation packages often reach $60,000 to $75,000 or more. Surrogates in Pennsylvania benefit from access to strong legal protections and fertility care, making this a common location for both intended parents and surrogates.

If you’re using the Independent Program, you’ll manage compensation separately. However, most independent journeys still cost more than $100,000 when you factor in IVF, legal support, and other key services.

How Much Does Surrogacy Cost with Insurance in Pennsylvania?

While surrogate compensation and agency fees aren’t covered by insurance, many medical-related expenses may be — depending on your and your surrogate’s plans. These can include:

IVF procedures and testing
Fertility medications
Prenatal care and delivery (when the surrogate has qualifying coverage)

Pennsylvania families commonly use insurers like Highmark, Independence Blue Cross, Geisinger Health Plan, and UPMC. Our team will review both your policies and provide guidance on securing supplemental insurance if needed.

How Much Does IVF and Surrogacy Cost?

When IVF is part of your surrogacy journey, you’ll need to plan for additional costs. These typically include:

IVF treatment and embryo transfer
Fertility medications
Donor gametes (if applicable)
Monitoring, lab work, and medical consultations

Pennsylvania is home to several excellent fertility clinics in cities like Philadelphia, Pittsburgh, and Harrisburg. We can help connect you with providers that align with your medical and financial goals.

Affording Surrogacy

Surrogacy is a significant investment, but it’s often more manageable than it first appears — especially with support and a clear financial plan. In addition to our affordable surrogacy options, many intended parents explore:

Grant and scholarship opportunities:

Employer-sponsored fertility benefits are often offered through:

Carrot Fertility
Progyny

Personal finance tools like HSAs, 401(k) loans, or home equity lines of credit

Affording Surrogacy: Fertility Financing Options

Our team will work with you to explore the best mix of resources for your situation and long-term goals. 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.

Why Choose American Surrogacy?

Choosing the right agency is one of the most important decisions you’ll make in your surrogacy journey. Here’s what sets American Surrogacy apart for families in Pennsylvania:

Efficient matching process: Most intended parents are matched with a qualified surrogate in just 1 to 4 months
Experience in Pennsylvania law: We work with local attorneys who understand the county-specific surrogacy processes and how to secure enforceable parentage orders
Dedicated case support: You’ll be matched with a single case specialist who will guide you through every step — no handoffs or delays
Transparent pricing: Our programs are clearly structured, with optional financial protection for added peace of mind
Compassionate care: We advocate for both intended parents and surrogates, ensuring respectful, ethical, and supported journeys for everyone involved

We’re here to help you move forward confidently and with the resources you need to succeed.

Next Steps in Your Surrogacy Journey

Pennsylvania offers a legally supportive environment for surrogacy, even without a formal statute. With a well-drafted contract and proper legal guidance, courts across the state are likely to recognize your parental rights and uphold the agreement.

If you're ready to begin, contact American Surrogacy today to speak with a specialist and take your next step toward building your family.