Financing
For those who are considering surrogacy to create their families, the most common question is how are we going to pay for it?
Due to the number of individuals, steps, and service providers involved in the process, surrogacy can get expensive quickly. While most families do not have the means readily available, there are several options that can help make this path more attainable.
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Below, you will find an overview of options for financing your fertility journey.
Personal Financing
Intended parents commonly rely on loans to help cover surrogacy costs. Beyond traditional lines of credit, there are many organizations that offer financing options intended for fertility treatments and surrogacy.
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Here are some common loans you may consider:
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Credit cards. Some surrogacy payments may be made using credit cards.
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Family members. While not everyone is comfortable asking their loved ones for assistance, many family members want to help.
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Home equity loans. You may be able to borrow funds using your home as collateral.
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401(k) plans. You may choose to borrow money from your retirement accounts
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Fertility loans. Certain financial organizations specialize in fertility financing; many can be applied to surrogacy.​​
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Ally
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Bundl
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CapexMD​
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Sunfish
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Bettermed
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Future Family
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New Life Fertility Finance
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Prosper Healthcare Lending
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Grants
Grants are another option for financing your surrogacy journey. Most fertility grants are awarded on an annual basis to families who apply and meet the qualifications. Every organization has different requirements for their grant recipients, but most require a diagnosis of infertility.
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Surrogacy Miracles Foundation
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Men Having Babies
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Footprints of Angels
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Gift of Parenthood
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Chicago Coalition for Family Building
​Employer Benefits
Speak with your employer to find out if they offer surrogacy benefits - Carrot, Progyny, WIN Fertility. You may even consider switching jobs in order to work for a company that has been known to offer such benefits. Here are a few examples:
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Starbucks
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Walmart
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American Express
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Bank of America
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Pinterest
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Walt Disney Company
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Tesla
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Johnson and Johnson
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Adobe
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Doordash
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Facebook
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Fundraising
Whether you prefer to host a simple online fundraiser or expand to larger events, fundraising is an option for many intended parents. Here are a few ideas to help you get started.
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Crowd Sourcing. Online crowdfunding platforms like YouCaring.com or GoFundMe.
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Ask for donations. Simply asking for contributions to your surrogacy fund in lieu of gifts during holidays and life's major milestones.
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Sell items. Have a garage sale, sell homemade products on Etsy, start a side hustle.
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Host an event. Organize a silent auction, car wash, sports tournament and direct all proceeds to your surrogacy fund.