SURROGACY COSTS & COMPENSATION
At Heartland Surrogacy, we know surrogacy is a big commitment for both intended parents (IPs) and surrogates. For IPs, a surrogacy journey costs an average of $200,000 and will vary depending on your unique circumstances. Surrogates set their own compensation amounts with our guidance and advice on industry standards.
The financial breakdown below is intended to assist in your planning and research. It does not constitute a contract and may not include all items of your specific journey. Apart from our agency fees, all costs are estimates. Please contact third-party providers directly for exact amounts.
Provider Expenses
IVF and associated costs: $20,000
Donor material, if needed: $10,000
Agency Fees
Retainer: $6,000
Before Matching Estimate $36,000+
Provider Expenses
Escrow management: $1,850
Surrogate psychological evaluation: $1,000
IP psychological consultation: $500
Joint IP and surrogate psychological consultation: $300
Surrogate medical evaluation: $4,000
Agency Fees
Matching stage installment: $12,000
Surrogate Expenses
Travel, lost wages, childcare costs while attending screening appointments: varies
Surrogate Compensation
Medical screening bonus: $250
Matching Estimate $20,300+
Provider Expenses
Contract drafting and review: $3,500
Surrogate Health Insurance $8,000 – $20,000
Life insurance Premiums (12 months): $675
Surrogate mental healthcare (18 months): $4,500
(for services obtained, $250/month max after insurance
Agency Fees
Contracts stage installment: $8,500
Surrogate Expenses
Surrogate allowance (12 months): $3,600
(paid in monthly installments after contract is signed)
Surrogate Compensation
Medication start fee: $1,000
Surrogate base compensation: $50,000+
(paid in monthly installments after pregnancy is confirmed)
Contracts Estimate $79,775 - $91,775+
Third-party providers are typically paid directly. The other amounts listed below are disbursed from the escrow account following the guidelines set in the GCA.
Provider Expenses
Embryo transfer and monitoring clinic fees: $8,000
Agency Fees
Final installment: $8,500
Surrogate Expenses
Travel expenses for transfer: varies
(potential costs include airfare, accommodation, childcare, and lost wages for the surrogate and support person, if applicable)
Surrogate Compensation
Transfer fee: $1,000
(includes mileage, childcare, and lost wages if clinic is within 30 miles)
Transfer Estimate $17,500+
Third-party providers are typically paid directly. The other amounts listed below are disbursed from the escrow account following the guidelines set in the contract between the IP(s) and the surrogate (the GCA).
Provider Expenses
Insurance maximum out-of-pocket: $1,000 – $10,000
Parentage documents: $2,500 – $3,000
Second-parent adoption, if applicable: $1,000 – $1,500
Professional medical billing management: $2,000
Pregnancy Estimate $6,500 - $16,500+
The amounts listed below are disbursed from the escrow account following the guidelines set in the contract between the IP(s) and the surrogate (the GCA).
Surrogate Expenses
Postpartum lost wages: varies
Surrogate Compensation
Pumped milk, if applicable: $250/week
Postpartum Estimate Varies
The following estimated costs may or may not apply to your journey. If applicable, the surrogate expenses and compensations are disbursed from the escrow account following the guidelines set in the contract between the IP(s) and the surrogate (the GCA).
Surrogate Expenses
Housekeeping, if on bed rest: $150/week
Childcare, if on bed rest or traveling: $20/hour
Lost wages for appointments and bed rest: varies
Surrogate Compensation
Experienced surrogate: $15,000+
Carrying multiples (per fetus): $10,000
Cesarean section: $2,500
Invasive procedure (per occurence): $1,000
(includes amnio, CVS, D&C)
Fetal reduction: $1,500
Loss of uterus, ovary, or fallopian tubes: $1,000 – $2,000
Full hysterectomy: $5,000
Agency Fees and Financial Policies
Agency fees, third-party costs, and surrogate compensation amounts are subject to change. Agency fees are non-refundable. This information is provided for planning purposes and is not a guarantee of exact costs. While efforts have been made to include the majority of anticipated expenses, the specific circumstances of your journey may result in additional costs. Ultimately, all expenses incurred as a result of, or in preparation for, a surrogacy pregnancy are the responsibility of the intended parents.
Independent Matches
Intended parents who have recruited their own surrogate will receive a 20% reduction in our agency fees. We will handle all screening and case management with the same thoroughness as our standard program.
Insurance Policies
Heartland Surrogacy ensures that all surrogate insurance policies are reviewed by an independent third party. If the surrogate does not have health insurance that covers a surrogacy pregnancy, it is the responsibility of the intended parents to provide one for the surrogate.
Surrogate Compensation
The surrogate’s base compensation is paid in installments after the pregnancy is confirmed via ultrasound. This ensures that the payment process aligns with the progress of the surrogacy journey.
Screening and Psychological Review
If a surrogate does not pass the psychological and/or medical evaluation, we will work diligently to rematch the intended parents with a suitable carrier as quickly as possible at no additional cost. If the surrogate is no longer medically cleared after an unsuccessful embryo transfer, or chooses to end their agreement following a failed transfer, miscarriage, or other circumstances that do not result in a birth, Heartland Surrogacy can assist in finding a new surrogate for an additional fee of $15,000.
Intended parents are responsible for covering the costs associated with the psychological and medical evaluations of a new surrogate.
Professional Services
Heartland Surrogacy does not hold escrow or provide legal services. Intended parents have the flexibility to work with the escrow holder of their choice. Surrogates and intended parents must have individual legal representation by attorneys experienced in surrogacy contracts.