If you are one of the lucky one's in the fertile world, you got to have your babies for free..you
only have the expense of raising them..for those less fortunate, it will cost thousands..and that's if it works the first time.
The cost to do IVF in the US is $8,000 - $15,000 with the national average being $12,400..in most cases, this is NOT covered by your health insurance. If you need to use Donor Eggs with your IVF, you are looking at $20,000 to $28,000, also not covered by your health insurance.
When you mention to someone struggling through Infertility "Just Adopt" or "go find a Surrogate"..sounds easy enough right?, but do you know how much that costs??
Domestic Adoption can run from $20,000 to $55,000 and varies from agency to agency as well as state to state. International Adoption can run from $30,000 to $65,000 and varies on the country.
Surrogacy is also crazy expensive...it helps to have a loving friend or family member offer to do this for you...
a lot to ask, but saves you thousands!! Here is the breakdown of a Surrogacy cycle:
$ 7,900 Agency Fee
$20,000 Surrogate Fee (first time surrogate. Experienced surrogate will ask a higher fee, typically $25,000 to $35,000.)
$500 to $3,500 Surrogate travel ($500 to $3500, depending on how many times your clinic wants to see her and how long she must stay. If surrogate in same state and close enough to drive this will also reduce this expense)
Surrogate extras: (these fees can vary depending on the surrogate).
$ 750 Transfer fee (for undergoing the IVF procedure)
$ 600 Maternity clothes
$ 300 Life Insurance
$500 to $1000 Invasive Procedure (if Surrogate must undergo Selective Reduction, Termination, D & C, Amniocentesis, etc)
$4,000 Loss of Reproductive Organ (Varies. Some surrogates will ask for compensation if they lose a reproductive organ)
$5000 Multiples (per additional fetus she carries)
$ 250/month Monthly Allowance (for vitamins, local travel, co pays,etc. Starts with contracts and ends three months after birth.
Lost Wages: Varies
$ 500 Psych Evaluation (experienced surrogate will already have had this done)
$ 7,250 Attorney Fees (Varies from one attorney to another. Typically $3000 to draft, $750 to review with surrogate, $3500 for pre birth order . Most attorneys charge this fee, some are slightly less, some slightly higher)
TOTAL ANTICIPATED FEES for Surrogacy: $40,900 to $62,900 (higher end would be if using experienced surrogate and she asks a higher fee, if she conceives multiples, if she's out of state and travels, if she loses reproductive organ, etc. This total does not include possibility of surrogate ending up on bed rest and needing lost wages, childcare, and does not include medical expenses.)
But wait....there's more added to this...
Cost of surrogate meds and IVF procedure:
Surrogate meds: approx. $4,000
IVF Procedure: approx. $5,000 - $12,000 (can be somewhat lower/higher...depends on clinic you choose and their fees)
Surrogate monitoring: $1,000 (if surrogate is out of state, a clinic close to her will perform her first few monitoring appts. This minimizes the amount of time she must travel, thereby minimizing your expense. This does not end up costing you more, because your clinic will do a few less, and should offset their charges accordingly)
Surrogate testing: $2,000
Intended Parent testing: $2000 (varies depending on if your insurance covers this or not. This includes STD testing, semen analysis and anything else your clinic feels is necessary.)
Total Estimated Medical Expenses: $ 14,000 to $21,000 (This total does not include possibility of having to undergo FET if first IVF is not successful, etc.)
So you are looking at nearly $80k to use a surrogate...CRAZY!!!!!!!! So, not so easy, unless you have this kind of money hanging around.
My goal is to start a non profit foundation to help couples afford whatever they chose to do to have a family..I wish something like that would have been available for us, but now that our journey is over, I would love to help people in the same situation. If you have any ideas on where I need to start, I would love to hear from you..