At the same time, intended parents will likely need to start stocking up on baby supplies, including cribs, bottles and diapers, which they’ll need immediately after the birth. ![]() These include travel if the gestational carrier is not local and pregnancy supplies (such as clothing and prenatal benefits). There are many other, smaller expenses that intended families should keep in mind when considering the cost of surrogacy. If you're considering surrogacy, you might want to ask a lawyer to look at your health insurance policy so you know what is and isn't covered. These can be pricey with high deductibles, however. There is also a handful of insurance plans that offer supplemental coverage intended families can buy on behalf of their surrogates to cover pregnancy and delivery. Most standard health insurance plans do not cover surrogate pregnancy but intended families still cover the premiums and deductibles for their surrogate’s insurance plan while they’re working together. These are separate fees that the intended family may have to pay if complications arise during the pregnancy, which can range from unexpected twins (if an embryo splits) to an unplanned C-section. This fee will depend on the surrogate’s location and whether she has worked as a surrogate before. This is the payment made directly to the surrogate for carrying and having the baby on behalf of your family. In addition, you may need pre- or post-birth legal documents and help with adoption. If the agency doesn't offer legal services, it’s important to work with a lawyer who can create the necessary documents that outline compensation structure as well as what will happen if there are pregnancy complications. “I really suggest that intended parents look for the agency that they feel is the best fit, and to evaluate the fees based on the services that the agency is offering in return,” Zein Shamma, founder and COO of the Gift of Life Surrogacy Agency, says. Some agencies include medical screening and legal services as part of their package, while others do not. ![]() Agency costs can vary significantly based on what’s included in their services. Same-sex couples and some heterosexual couples may also need to pay for a donor egg. ![]() Many couples have already worked with a fertility clinic to produce embryos before deciding to go the surrogacy route.
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