What if the first embryo transfer isn't successful?
It’s important to note that IPs are responsible for paying for everything during a journey. For example, they must pay for the surrogate’s medications and for the embryo transfer. If the first embryo transfer isn’t successful, the IPs then need to pay each of the above costs all over again for a second transfer.
This is why Circle Surrogacy created their fixed cost program, where intended parents pay one cost at the beginning of their journey and it covers everything – no matter if they need to be rematched, have multiple embryo transfers, or even if they have a late-term loss. They will never pay more out-of-pocket throughout the journey.
As someone who had a six-year long journey to parenthood, I WISH this option existed when my husband and I were in the program!
Surrogate Compensation FAQs
How do people afford surrogacy?
I know it can feel incredibly overwhelming to try and figure out how you'll be able to afford a surrogacy journey. The good news? You have options, and financial assistance is available!
- There is financing available for surrogacy and egg donation that’s worth looking into!
- Explore your personal health insurance plan to see if there is any coverage for third party reproduction (and if not, speak with your HR manager to see if it’s something that could be added).
- There are also loans and borrowing against your 401K, but we recommend speaking with your financial advisor before making those decisions.
- Some hopeful parents share their story with family and friends to see if they are able to help fund the journey.
- For LGBTQ+ parents, organizations like Men Having Babies have programs like GPAP, which offers financial support to help intended parents afford surrogacy.
How does surrogacy payment work? Is it a lump sum?
Payments to the agency by the intended parents are made according to how the agency has structured their payment system.
At Circle Surrogacy, IPs pay at key milestones of the journey. The GC’s escrow account is funded in full, and she is paid her compensation and stipend monthly, and for specific milestones during the journey when they happen (transfer payment, etc).
Who pays the surrogate's attorney's fees? Who pays for the birth?
The IPs are responsible for all of their GC's attorney fees, any baby-related hospital costs at the birth, and then any care for the baby at the hospital.
Who pays for the surrogate's insurance?
The IPs are responsible for ensuring that proper medical insurance is in place for the GC. If the GC has a health insurance policy that covers surrogacy, she may use it (the IPs would pay to have the insurance policy reviewed by a professional).
However, many IPs will purchase a back up insurance plan, in the case that the GC loses her insurance or switches jobs and no longer has the plan that covered surrogacy.
Note: If you’re interested in learning more about surrogacy costs and how to afford surrogacy, it’s best to fill out an application (with no commitment) and chat with someone directly about your specific situation.
General Surrogacy FAQs
Considering working with a surrogacy agency on your journey to parenthood? Here are some important things to know as you search for the right fit:
What should a good surrogacy agency offer its surrogates?
A surrogacy agency should offer unlimited emotional support to its GCs throughout the entirety of the journey, and beyond (i.e. the fourth trimester). At Circle Surrogacy, every surrogate is paired with an on-staff social worker who is her support person at every step, with regularly scheduled calls, and is available at any time should the GC need something.
Are fixed cost programs worth it?
Many intended parents choose to opt for a fixed cost program, and here's why: it may cost a little more upfront, but if you have even just one failed transfer, that extra amount would have already paid for itself by the time you pay for a second transfer.
Note: Each agency offers different payment options, so carefully consider each one before you embark on your journey.
How are payments secured (i.e. escrow accounts)?
This information applies specifically to Circle Surrogacy.
When parents make payments to the surrogacy agency, that money is held in a Bonded Escrow Account. These types of accounts are kept only at regulated and approved financial institutions. The IPs’ agency fee covers the trust account management throughout their journey, ensuring the GC is paid appropriately and on time.
How flexible/customizable is a carrier agreement?
Ideally, all points are written into the Carrier Agreement between the IPs and surrogate. Each party will work with their respective attorneys to include specific items in the contract. Both sides will review changes and come to an agreement.
Every surrogacy journey is unique, and that goes for contracts, too. There are some discussion points that happen during the journey (i.e. if the surrogate will pump and ship breast milk and be compensated) that can be worked through.
If any unexpected costs arise, they would be discussed and mutually agreed upon.
The Beauty of Surrogacy
While there are certainly many financial aspects of surrogacy to consider, it's important to remember the core reason surrogates choose to embark on this challenging adventure: to help another individual or couple create the family they've been dreaming of.
Whether the intended parent is an individual who cannot carry a pregnancy themselves for medical reasons, hopeful dads from the LGBTQ+ community who need to enlist the help of an egg donor and surrogate to have a baby, or any other scenario, the connections forged during a surrogacy journey often become close, lifelong relationships.