Budgeting and Financial Considerations for Intended Parents

At Nascency, we understand that choosing gestational surrogacy is a significant decision, both emotionally and financially. Proper planning and budgeting can help ensure a smooth and stress-free experience. Below, we outline key financial considerations to help you prepare for this journey.

Major Cost Components

Agency Fees

These cover essential services such as surrogate matching, screening, and coordination. Agency fees typically represent a substantial portion of the total cost.

Surrogate Compensation

The surrogate will receive base compensation along with additional allowances for maternity clothing, lost wages, and other pregnancy-related expenses.

Medical Expenses

These costs include fertility treatments, prenatal care, and delivery. Medical expenses are often one of the most significant aspects of the surrogacy process.

Legal Fees

Legal costs cover contracts, parental rights, and other critical legal processes. These ensure protection for all parties involved.

Insurance Costs

If the surrogate’s existing insurance does not cover surrogacy-related medical expenses, intended parents may need to secure additional coverage, which can significantly impact overall costs.

Additional Considerations

• Embryo Creation: If needed, this can add substantially to the total cost. 
• Egg Donation: If required, this may introduce additional expenses.
• Multiple Attempts: Intended parents should budget for additional embryo transfers in case the first attempt is unsuccessful.

Financing Options

There are various ways intended parents can manage surrogacy costs, including: 

• Fertility-specific loans
• Home equity loans or lines of credit
• Borrowing from retirement accounts
• Credit cards or personal loans
• Crowdfunding or fundraising events
• Fertility grants (typically smaller amounts)

Cost-Saving Strategies

• Research low or 0% APR surrogacy loans
• Choose cost-effective surrogacy services
• Consider surrogates with existing health insurance coverage
• Explore employer benefits for family-building
• Investigate tax deductions for medical expenses (up to a certain percentage of adjusted gross income)

Budgeting Tips

• Plan for unexpected expenses
• Consider setting up a dedicated savings account for surrogacy costs
• Compare financing options to find the most favorable rates
• Be mindful that pursuing twins as a cost-saving measure can increase medical risks and expenses

By understanding the costs involved, exploring financing options, and carefully budgeting, you can confidently navigate the financial aspects of your surrogacy journey. At Nascency, we’re here to support you every step of the way.