How Much Does Surrogacy Cost in North Carolina?

If you’re considering surrogacy in North Carolina, one of the biggest questions on your mind is likely: How much does surrogacy cost?

Understanding surrogacy expenses is crucial in planning your path to parenthood, and American Surrogacy is here to provide transparent, all-inclusive guidance on what you can expect to pay.

What is the Cost of Surrogacy in North Carolina?

The cost of surrogacy in North Carolina is comparable to surrogacy expenses nationwide, typically ranging from $100,000 - $200,000. Your total costs will depend on various factors, including the surrogacy program you choose, surrogate compensation, medical expenses, and legal fees.

We provide two unique programs that give intended parents financial control, peace of mind and help you become a parent faster.

American Surrogacy’s Programs: Multiple Options to Meet Your Needs

Unlike other agencies, we help you become a parent faster by keeping wait times short (1-4 months on average) and maintaining a rigorous surrogate screening process. This ensures you are matched quickly with a qualified surrogate, reducing risks and expediting your journey to parenthood.

We offer three distinct programs, all designed to make your surrogacy journey smoother, faster, and more predictable by eliminating unnecessary delays:

1. Foundation Program ($115,000+): A flexible, pay-as-you-go model with lower initial costs. It provides the opportunity for your overall expenses remain lower.
2. Limited Risk Program ($169,900+): A comprehensive plan that caps costs and covers rematching, additional medical screenings, and unexpected surrogate expenses. This program offers ultimate financial protection, ensuring you aren’t caught off guard by unforeseen costs.
3. Independent Program ($17,000+): Designed for families who have already found a surrogate, this program streamlines the process while reducing costs. It includes unlimited preliminary screenings at no cost, thorough medical and psychological assessments, and comprehensive case management to ensure a successful journey.

Learn More About Our Programs

• We Find the Surrogate (Foundation and Limited Risk)
• You Find the Surrogate (Independent)

Breaking Down the Cost of Surrogacy in North Carolina

Here’s what your surrogacy costs typically cover:

• Agency Services: Matching with a qualified surrogate, coordinating legal and medical services, and providing comprehensive case management.
• Surrogate Compensation: Base compensation for the surrogate, typically starting around $50,000 for first-time surrogates.
• Medical and Insurance Costs: IVF treatments, embryo transfer procedures, prenatal care, and insurance coverage for the surrogate.
• Legal Fees: Contracts, parental rights establishment, and legal guidance to ensure a smooth process.
• Additional Expenses: Travel, lodging, and potential lost wages for the surrogate.

With American Surrogacy, you get predictable pricing and unmatched financial security, allowing you to focus on what truly matters: building your family.

Understanding Agency Fees and Surrogate Compensation

When comparing surrogacy costs, it’s essential to go beyond just asking, “How much will surrogacy cost?” Instead, ask, “What will I get for my investment?”

Agency fees and surrogate compensation can vary dramatically between agencies. Some agencies may advertise lower initial costs but include hidden fees later in the process. At American Surrogacy, we provide complete cost transparency and ensure there are no unexpected expenses.

Additionally, surrogate compensation is a critical factor. While some agencies may present lower upfront estimates, intended parents should be aware that compensation varies based on experience, medical requirements, and specific agreements. Our team ensures fair compensation for surrogates while helping intended parents plan realistically for their journey.

How Much Does a Surrogate Cost in North Carolina?

Compensation varies based on experience and circumstances but generally starts at $50,000+, with additional payments for medical procedures, travel, and other necessary expenses.

Many intended parents worry about surrogate compensation and how it factors into the total cost. At American Surrogacy, our surrogate compensation package ensures that surrogates are fairly compensated while giving intended parents clear financial expectations.

If you’re pursuing an independent surrogacy—where you’ve already found a surrogate—you can take advantage of our Independent Program that removes unnecessary expenses like surrogate matching fees.

How Much Does Surrogacy Cost with Insurance in North Carolina?

Many intended parents wonder whether their insurance will help cover surrogacy costs. While traditional health insurance policies often do not cover the full surrogacy process, certain aspects, such as prenatal care for the surrogate, may be eligible for reimbursement. It's essential to review your insurance policy carefully and consult with your provider to determine what is covered.

Additionally, some employers offer fertility benefits, which may help offset expenses related to IVF and embryo creation. American Surrogacy can guide you through the process of understanding your insurance options and help you navigate available financial resources.

How Much Does IVF and Surrogacy Cost?

The journey to parenthood through surrogacy often begins with in vitro fertilization (IVF). The costs associated with IVF are separate from surrogacy agency fees and include:

• Embryo Creation: Fertility treatments and lab procedures to retrieve eggs and fertilize them.
• Medications: Hormonal treatments and other prescriptions required for IVF and embryo transfer.
• Embryo Transfer: The medical procedure to place an embryo into the surrogate's uterus.

If you have not yet created embryos, this will be the first step in your surrogacy journey. We encourage you to explore fertility clinics that can assist with this process before moving forward with surrogacy.

Learn more about creating embryos for surrogacy.

If you already have embryos created, American Surrogacy can match you quickly with a qualified surrogate, helping you take the next step toward building your family without delay.

Affording Surrogacy: How to Make Your Dream a Reality

We know that surrogacy is a significant financial commitment. We'd like to help provide guidance on surrogacy financing options, including personal loans, grants, fundraising, and employer benefits.

Many intended parents use a variety of financial means to pay for the cost of surrogacy, like HELOCs, investments and savings. They will also explore insurance coverage for certain medical aspects of the process to help offset costs.

Beyond these things, here are some financing options to consider that intended parents often use to help cover the cost of surrogacy:

• Loans for Surrogacy: Fertility financing companies like CapexMD, LightStream, and Prosper Healthcare Lending offer specialized loan programs for intended parents.
• Grants for Surrogacy: Organizations such as the Baby Quest Foundation, the Gift of Parenthood, and Men Having Babies provide financial assistance to families pursuing surrogacy.
• Employer Benefits: Some companies offer fertility benefits, including surrogacy reimbursement or IVF coverage—check with your HR department to explore available options.
• Fundraising & Crowdfunding: Platforms like GoFundMe allow intended parents to raise funds from friends, family, and their community.

Why Choose American Surrogacy?

Choosing a surrogacy agency is about more than just cost—it’s about ensuring you receive the best support, shortest wait times, and highest quality screening process. American Surrogacy offers:

• Industry-Leading Short Wait Times: Despite what you may have heard, surrogacy does not have to come with a long wait. Our extensive surrogate outreach and screening keep wait times short, helping you become a parent faster.
• Comprehensive Financial Protection: Transparent pricing with programs that safeguard your investment.
• Expert Guidance at Every Step: Our specialists handle everything, from legalities to emotional support.

Start Your Surrogacy Journey Today

Surrogacy in North Carolina is an exciting and rewarding path to parenthood. Whether you need a complete, all-inclusive program or a customized approach for identified surrogacy, American Surrogacy is here to guide you every step of the way.

Don’t let uncertainty delay your dreams. Contact us today to learn more about your surrogacy options and take the first step toward growing your family.