How Much Does Surrogacy Cost in Utah?

Surrogacy is an important path to parenthood for many families — including those facing infertility, medical challenges, or who are part of the LGBTQ+ community. If you're exploring this option in Utah, one of your first questions may be how much it costs and what the legal framework looks like for a surrogacy journey in the state.

In this guide, we’ll explain how much surrogacy costs in Utah, what those expenses include, how state law applies, and how American Surrogacy can support you from start to finish.

How Much Does Surrogacy Cost in Utah?

Surrogacy in Utah typically costs between $100,000 and $200,000+, depending on your surrogacy program, medical needs, and whether you already have a surrogate match in place. While the total cost can feel overwhelming at first glance, the journey is often more manageable than people expect — especially with structured support and a clear plan.

Utah is considered a surrogacy-friendly state. With appropriate legal guidance, the process can be secure, predictable, and fully protected.

American Surrogacy’s Programs in Utah

We offer three program options to give families flexibility in how they manage costs and risk:

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 intended parents who have already matched with a surrogate. It includes coordination services but excludes compensation, IVF, and legal costs. Even with a known surrogate, most independent journeys still exceed $100,000.

You can compare these programs at our Full-Service Programs or Independent Program pages.

Surrogacy Cost Breakdown

Typical surrogacy expenses in Utah include:

Agency fees: These cover case management, qualified surrogate matching and screening, trust account oversight, legal and medical coordination, and emotional support throughout the process.
Surrogate compensation: Includes base pay and reimbursement for pregnancy-related expenses such as travel, lost wages, childcare, and maternity-related supplies.
Legal services: Drafting and enforcing gestational surrogacy agreements and obtaining pre-birth parentage orders through Utah courts.
Medical costs: IVF cycles, embryo transfers, medications, prenatal monitoring, and hospital delivery.

Each of these services is critical to ensuring that the surrogacy process is safe, ethical, and legally protected.

Understanding Agency Services and Surrogate Compensation

Agency coordination is the foundation of a smooth and successful surrogacy experience. At American Surrogacy, every family is assigned a dedicated case specialist who handles the logistics — including matching, legal timelines, clinic referrals, and emotional support.

Surrogates in Utah are typically compensated with a base fee starting at $50,000. When reimbursements for expenses like lost income, travel, and insurance are added, total compensation usually falls between $60,000 and $75,000 or more. Common reimbursements include:

Maternity clothing and wellness support
Travel and accommodations for medical care
Health insurance premiums and co-pays
Childcare during appointments or recovery

All funds are distributed through a licensed escrow provider to ensure security and accountability.

Managing Unpredictable Surrogacy Costs

Even in states with well-defined legal pathways like Utah, certain parts of the process can bring unexpected costs. This might include needing a rematch, multiple embryo transfers, or early medical complications. Our Limited Risk Program was created to help protect families from these common financial setbacks and maintain budget stability throughout the journey.

How Much Does a Surrogate Cost in Utah?

Surrogate compensation in Utah typically begins around $50,000 in base pay. With additional reimbursements, most surrogates receive a total compensation package between $60,000 and $75,000+. The exact amount may vary based on experience, insurance needs, or special circumstances.

If you're pursuing surrogacy through the Independent Program, compensation is arranged and paid outside of the agency fee. Still, most independent journeys cost more than $100,000 once all services are included.

How Much Does Surrogacy Cost with Insurance in Utah?

While insurance policies don’t usually cover agency or surrogate compensation, they may help lower medical costs by covering:

IVF treatment and diagnostics
Fertility medications
Prenatal care and delivery (if covered under the surrogate’s plan)

Common insurers in Utah include Select Health, Regence BlueCross BlueShield of Utah, and UnitedHealthcare. Our team will help evaluate both your and your surrogate’s policies and assist with acquiring supplemental plans when needed.

How Much Does IVF and Surrogacy Cost?

When IVF is part of your surrogacy journey, it adds to the overall cost. These expenses typically include:

Fertility testing and consultation
IVF procedures, embryo creation, and embryo transfer
Fertility medications
Donor sperm or eggs (if applicable)
Monitoring and lab work

Utah has several highly rated fertility clinics, particularly in Salt Lake City, Provo, and Ogden. We’ll help you identify a provider that aligns with your medical and financial needs.

Affording Surrogacy

Surrogacy is a significant financial investment, but there are many tools and resources available to help families manage costs. In addition to our affordable surrogacy programs, many families in Utah explore:

Grants and scholarship opportunities:

Employer fertility benefits are provided through:

Carrot Fertility
Progyny

Other financial tools including health savings accounts (HSAs), home equity loans, and 401(k) loans are also options.

Affording Surrogacy: Fertility Financing Options

Our team is happy to walk you through these options and help create a custom plan based on your unique 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.

Learn more about financing your surrogacy through Sunfish here.

Why Choose American Surrogacy?

Utah’s legal protections make surrogacy a reliable option, but the right agency ensures that the process is as smooth and supported as possible. Here’s why families choose American Surrogacy:

Most intended parents are matched with a surrogate in 1 to 4 months
We work with attorneys who understand Utah’s specific legal requirements for contract approval and parentage
Our team provides one-on-one support through a dedicated case specialist
Flexible program options help families match their budget and journey stage
We prioritize the well-being of both surrogates and intended parents to create strong, respectful relationships

With American Surrogacy, you’ll receive personalized, professional support from your first consultation through final delivery and beyond.

Next Steps in Your Surrogacy Journey

Utah provides a legally supportive environment for gestational surrogacy. With an experienced agency and legal team, families from a wide range of backgrounds can confidently pursue surrogacy here.

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