Get a Transparent Breakdown of U.S. Surrogacy Costs

🏢 Agency Fee — $45,000

This fee covers Ivy Surrogacy’s full-service coordination and support throughout your entire journey—from the initial consultation, surrogate matching, and legal arrangements to ongoing support throughout pregnancy and post-birth logistics.

✅ Unlike many other agencies, we only charge our agency fee after your surrogate has passed both medical and psychological screenings—so you never pay for uncertainty.
👉 Learn why we only charge after surrogate screening →

👩‍🍼 Surrogate Cost — Starting at $70,000

• Base Compensation: Usually from $40,000 to $75,000 (varies by state and experience).

• Surrogate Benefit Package: Approximately $10,000 including signing bonus, monthly allowance, medication start fee, embryo transfer fee, maternity clothing allowance, and monthly support.

• Other Surrogate Related fee: Usually from $10,000 to $20,000, including background check, psychological screening (medical screening costs paid separately), outside monitoring fee, lost wages, travel expenses and gifts for holidays and milestones.

Each surrogate’s package is carefully structured to reflect her commitment, experience level, and the medical demands of the journey.

⚖️ Legal & Escrow — ~$11,500

Surrogacy is a legally complex process that involves multiple parties, including intended parents, the surrogate, and medical professionals. These costs cover:

• Legal contract drafting and independent legal counsel

• Parentage and court filings

• Escrow account setup and management to ensure safe, third-party fund disbursement

We work with trusted surrogacy attorneys and licensed escrow firms to protect everyone’s rights and responsibilities.

🏥 Insurance/Medical Costs for Prenatal Care/Delivery — ~$13,250

The total estimated insurance costs are approximately $13,250. This may include:

• Insurance broker fee, which is paid to the broker who assists in finding and setting up appropriate insurance plans

• IVF cycle insurance, covering unforeseen medical issues during the IVF procedure

• Life insurance for the surrogate, providing financial security during the pregnancy
• ACA insurance premiums, copays, and deductibles for the surrogate’s health insurance under the Affordable Care Act, which can only be applied for during the open enrollment period each year, with costs varying based on specific circumstances. If insurance is needed outside of this period, alternative solutions are available at a higher cost.

📌 Potential Costs (Situational Expenses)

While many costs in the surrogacy journey are fixed, certain expenses may arise depending on medical conditions or specific events. These are not guaranteed to occur but should be factored into your budget planning.

Common potential costs include:

• Twin pregnancy compensation – Additional payment for carrying multiples

• Mock cycle compensation – For undergoing a practice medication cycle prior to embryo transfer

• C-section compensation – If delivery is performed via cesarean section

• Breast milk pumping compensation – If the surrogate agrees to pump milk after birth
• Invasive procedures compensation – For medical procedures such as amniocentesis, cerclage, or D&C

All potential costs are outlined in advance in the legal agreement and are only paid if those circumstances occur.

🚫 Costs Not Included in the Surrogacy Program

The following costs fall outside the scope of Ivy Surrogacy’s standard program and are the intended parents’ responsibility:

• IVF and embryo creation – Paid directly to your fertility clinic

• Egg donation fees – If you are using an egg donor

• Medical expenses for the baby after birth – Including NICU care, pediatric support, or any complications

• Baby documentation and travel arrangements, such as:

  • Birth certificate

  • Passport

  • Travel document (if applicable)

  • paternity test (if applicable)

Our team is happy to help guide you through these steps, but they are not part of the surrogacy fee structure.

💬Want to know what your personal surrogacy journey might cost?
👉 Get a free consultation and estimate →