We know that surrogacy can come with high emotional and financial costs. Our agency offers competitive prices, with installments due at milestones along the journey. Your services with us start with a low retainer.
The total cost your surrogacy journey will depend on circumstances specific to your case. On average, parents working with a first-time surrogate in the Midwest spend about $120,000 total. There are factors that can increase or decrease that amount.
Our agency fees are staggered across important milestones in your journey. Unless otherwise stated, compensation amounts are determined by the surrogate and are typical of surrogates in the Midwest. Cost estimates for third-party providers are based on Midwest services.
Total agency fees are $19,000 and included in the timeline below.
We know that surrogacy can come with high emotional and financial costs. Our agency offers competitive prices, with installments due at milestones along the journey. Your services with us start with a low retainer.
Agency fees are staggered across important milestones in your journey. Unless otherwise stated, compensation amounts are determined by the surrogate and are typical of surrogates in the Midwest. Cost estimates for third-party providers are based on Midwest services.
Total agency fees are $19,000 and included in the timeline below.
Before Matching
Basic IVF cycle: $10,000 – $15,000
Medication: $3,000 – $5,000*
Preimplantation genetic screening: $4,000 – $6,000
Donor material, if needed: $10,000+*
Agency Retainer: $2,500
Criminal background check & home visit for surrogate: included
Before Matching Estimate $29,500 +
Matching
Agency fee installment: $6,500
Professional insurance review, if requested: $400*
Psychological evaluation: $500 – $1,000*
Invasive procedure per occurrence fee: $250
Psychological consultation for IPs: $500*
Medical evaluation: $1,500 – $2,500*
Travel, lost wages, childcare costs: varies
Matching Estimate $9,650 +
Contracts
Contract drafting and review: $3,000*
Escrow management: $1,850*
Agency fee installment: $5,000
Medication start fee: $1,000**
Transfer and bed rest fee: $1,000**
Travel expenses for transfer: $1,000 – $2,000**
Lost wages for transfer: varies**
Pregnancy clothes allowance: $500**
Insurance premiums (12 months): $4,800 – $7,000**^
Insurance maximum out of pocket (12 months): $1,000 – $8,000**
Surrogate allowance (12 months): $2,400**
Life insurance Premiums (12 months): $200 – $400**
Contracts Estimate $66,750 +
Transfer
Agency fee installment: $5,000
Embryo transfer clinic fees: $1,500 – $2,000*
Monitoring clinic fees, if applicable: $5,000*
Transfer Estimate $11,500 +
Pregnancy
Parentage documents: $2,500 – $3,000*
Second-parent adoption, if applicable: $1,000 – $1,500*
Medical billing management with a surrogacy insurance specialist, if needed: varies
Pregnancy Estimate $3,500 +
Postpartum
Postpartum lost wages: varies
Pumped milk, if applicable: $250/week
Postpartum Expenses Total Varies
Variable Surrogate Fees and Expenses
The following variable costs may or may not be applicable to your journey; if applicable, they may vary in amounts. Estimates listed here are typical of Midwest surrogates.
Experienced carrier: $10,000
Multiple birth compensation: $5,000
Cesarean section: $2,500
Invasive procedures, such as amnio, CVS, or D&C; per occurrence: $1,000
Fetal reduction, according to contract: $1,500
Loss of uterus, ovary, or fallopian tubes: $1,000 – $2,000
Full hysterectomy: $5,000
Housekeeping, if on bed rest: $150/week
Childcare, if on bed rest or traveling: $20/hour
Lost wages for appointments and bed rest: Total varies
Variable Surrogate Fees and Expenses Total Varies
* Paid to an outside provider, not Heartland Surrogacy or the surrogate. Estimates only. Costs will vary by provider. ** Lump sum deposit into escrow to cover these costs. ^ Premiums will only need to be paid on policies purchased for surrogacy, not existing policies.
* Paid to an outside provider, not Heartland Surrogacy or the surrogate. Estimates only. Costs will vary by provider.
** Lump sum deposit into escrow to cover these costs.
^ Premiums will only need to be paid on policies purchased for surrogacy, not existing policies.
Additional Costs and Explanation of Fees
Agency fees are non-refundable. If your surrogate holds an insurance policy that may cover the surrogate pregnancy, Heartland Surrogacy will arrange to have it reviewed by an independent third party. If the surrogate does not have health insurance that covers a surrogacy pregnancy, we require that the intended parents provide one for the surrogate.
The surrogate base compensation will generally be paid out in ten even installments, beginning upon ultrasound confirmation of heartbeat. Parents can work with the escrow holder of their choice. If a screened surrogate candidate fails a psychological review, Heartland Surrogacy will pay for the psychological review of another candidate as a courtesy.
Agency fees for sibling journeys are based on individual circumstances. We will take into account the length of time between journeys, if you are matched with the same surrogate or a new one, and any major changes to your profile.
Additional Costs and Explanation of Fees
Agency fees are non-refundable. If your surrogate holds an insurance policy that may cover the surrogate pregnancy, Heartland Surrogacy will arrange to have it reviewed by an independent third party. If the surrogate does not have health insurance that covers a surrogacy pregnancy, we require that the intended parents provide one for the surrogate.
The surrogate base compensation will generally be paid out in ten even installments, beginning upon ultrasound confirmation of heartbeat. Parents can work with the escrow holder of their choice. If a screened surrogate candidate fails a psychological review, Heartland Surrogacy will pay for the psychological review of another candidate as a courtesy.
Agency fees for sibling journeys are based on individual circumstances. We will take into account the length of time between journeys, if you are matched with the same surrogate or a new one, and any major changes to your profile.