Surrogacy is a popular option for individuals or couples who want a child but are unable to have one for various reasons. The process involves gathering eggs from a mother or egg donor, fertilizing them with sperm from the father or sperm donor, and then placing them in the uterus of a surrogate. In most cases, gestational surrogates do not have genetic ties to the baby.
Surrogacy has become common over the years, but it can be a costly process. Most agencies charge exorbitant fees, making it difficult for intended parents to attain their dreams. The mission of Simple Surrogacy is to offer the highest standard of care in the surrogacy industry at an affordable price. The Built-In Journey Guarantee makes the surrogacy process as accessible and affordable as possible with our clients potentially saving up to $50k.
Surrogacy is a journey that requires a significant financial investment. There are several ways to finance surrogacy, including personal savings, loans, grants, scholarships, and agency discounts. Intended parents should evaluate various options to cover the costs of the surrogacy process, which include legal fees, medical expenses, surrogate compensation, and agency fees.
If you cannot afford the cost of surrogacy, you can consider various financing options. Intended parents can use personal loans to get the funds they need to cover surrogacy costs. Others may get home equity loans, using their home as collateral. Individuals can also use 401(k) loans to borrow from their retirement accounts. When applying for a loan, you should consider the rates. Loan rates depend on various factors, including your profession, your financial situation, and your credit score.
Some individuals use credit cards to pay for certain surrogacy expenses. However, the cards usually attract high interest rates. Individuals with bad credit can access surrogacy loans, but they are harder to find. BetterMed offers a 0% loan that can reduce the cost of surrogacy by up to $35,000. Proper also offers loans for bad credit, ranging from $2000 to $50,000, which can cover the cost of IV and fertility treatments. Other financing options are applying for surrogacy grants and fundraising.
Some surrogacy agencies offer payment plans to help their clients cover the cost of the process. At Simple Surrogacy, we make the process affordable for all intended parents. We include a Guarantee with Every Journey, with no additional fees. If intended parents need a new surrogate, a rematch, or need to create new embryos, they do not pay extra. We do not charge additional fees for those who decide to switch clinics. We work on each case until our clients have a baby, at no additional cost.
Certain financial organizations offer loans and payment programs targeting individuals who want to embark on surrogacy. Specializing in fertility financing, these organizations can make the surrogacy process affordable for you.
Launched in 2005, Prosper Healthcare Lending has helped more than 1.7 million individuals access loans. They have offered loans of more than $26 billion over the years.
New Life Fertility Financing is an insurance agency specializing in Assisted Reproduction Insurance.
Future Family offers financial services that can help individuals reduce the financial strain that comes with growing a family.
CapexMD offers a loan to finance various aspects of fertility. They work with pharmacies and fertility health providers to help individuals looking to become parents.
SunFish has an IVF success program designed to help people on their path to parenthood. They offer comprehensive support, discounts on medications, customized refunds, and fixed pricing.
We work with many fertility financing companies and support reimbursement by insurance companies and companies that offer surrogacy reimbursement.
At Simple Surrogacy, we have partnered with CapexMD Fertility Finance as a financial solution. Our clients can apply for a loan to cover the agency fees.
Grants are a source of funding that can cover the cost of surrogacy. Unlike loans, grants are not repaid. It makes them an attractive option for individuals looking to relieve their financial burden. While many grants have strict eligibility criteria, others have broad requirements. Grants that can help to reduce the financial burden associated with surrogacy include:
The grant can be used to cover expenses associated with surrogacy, egg and sperm donation, IVF, and egg freezing. The grants vary in amount based on specific needs.
Beneficiaries can use the funds to pay for gestational surrogacy, IVF, and other fertility treatments. The grants do not cover embryo or egg freezing.
The scholarship helps those desiring to become parents fulfill their dreams by offering financial resources. The fund considers each application to determine eligibility.
The grant offers between $5000 and $7000 to patients who require assistance with fertility treatment.
Other available grants include Samantha’s Gift of Hope, Footsteps for Fertility Foundation, and The Kyle and Samantha Busch Bundle of Joy Fund. There are several surrogacy grants for cancer patients. They include LIVESTRONG Fertility, Worth the Wait, Heart Beat Program, and Team Maggie for a Cure. Find out if you qualify for any grant before applying
When planning for surrogacy, you should be mindful of how you spend your money. Typical surrogacy costs include:
While it may not be easy to determine the total expenses, having a budget will help you plan accordingly. Unexpected pregnancy complications and twin pregnancies can increase the overall cost. You can use a budgeting tool to keep track of your surrogacy-related expenses. A budgeting app such as You Need a Budget or Rocket Money will help you track all the money you spend. The tool will give you a clear picture of your income and help you determine where to cut costs.
Working with an agency can help to simplify the complex and reduce the cost of surrogacy. Simple Surrogacy is committed to offering lower overall costs. We help intended parents find a match quickly and coordinate thorough screening, which drastically reduces the cost. We offer financial security by working with reputable financial partners.
Simple Surrogacy offers outstanding personal service at a competitive price. Our Agency Fee includes over $5,375 in value for background checks for all parties, intended parents’ psychological evaluation (MMPI additional and credit check, and child abuse registry checks. The fee also includes a virtual home visit, medical records review by RE, Insurance review for carrier, insurance applications support for carrier/Ips, and escrow oversight.
At Simple Surrogacy, our mission is to make the path to parenthood as smooth and stress-free as possible. As a full-service agency, we provide expert support throughout your assisted reproduction journey, from matching to birth. What truly sets us apart is our Built-In Journey Guarantee, which eliminates surprise costs that many intended parents face at other agencies.
Unlike Circle Surrogacy and Hatch, which charge premium prices for similar peace-of-mind programs, our Built-In Journey Guarantee is included in your base agency fee. That means you’ll never pay extra for a surrogate rematch, creating new embryos, or switching clinics. It’s all covered, right from the start.
We offer an all-inclusive fee structure tailored to your unique needs. Payment plans are available, and we provide discounted services for clients who bring their own surrogate, along with special rates for returning clients. From the first consultation to the moment you bring your baby home, we’re with you every step of the way, without the hidden costs.
Yes. There are several grants available. Eligibility requirements differ, and you can find out if you qualify for the grants.
Yes. There are various financing options, including loans, financing from organizations, grants, and scholarships. We have partnered with CapexMD Fertility Finance as a financial solution.
Our pricing is paid in milestones; one-third when you sign the agreement, one-third after medical screening of the surrogate, and one-third after completing the legal process.
We handle everything your surrogacy needs for one fee. The fee covers the entire process until you have your baby. We do not charge for rematching, new surrogates, or switching clinics.
Yes, we offer coordination of birth arrangements with the delivery hospital, and coordination of DNA testing as necessary after birth. We also assist with obtaining birth certificates and ongoing counseling.
If you are ready to begin your journey to parenthood, contact Simple Surrogacy for a personalized financial consultation.
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