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Building Your Family: The Adoption Process

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ART Cost Breakdowns

This budget planner will give you an overview of the line items and average expected costs for ART procedures. Actual costs will vary from clinic to clinic and from case to case.


*Please note that the range of services among donor egg/embryo and gestational carrier programs vary widely. Some programs include certain medical and legal fees in their costs, while others do not. When comparing programs, make sure to get a complete breakdown of the included services.

 

Donor Egg Donor Embryo Gestational Surrogacy

Program Fees

$5,000-$8,000

$2,500-$8,000

$6,000-$27,000

Payment to Egg Donor

$5,000-$10,000; intended parents sometimes agree to higher compensation for specific donors.

NA

NA if intended mother's egg is used; regular egg donor costs if a third-party egg is used.

Payment to Carrier

NA

NA

Some states forbid compensation for gestational surrogates. Where it's allowed, costs range from $18,000 to $45,000; multiples will cost $2,000 to $5,000 extra. Experienced carriers command higher fees.

Insurance for Egg Donor/Carrier

$200-$500 for short-term life insurance policy.

NA

$200-$500 for short-term life insurance policy. $20,000 to $40,000 or more if you need to purchase health insurance for the carrier. While a carrier may have insurance, many plans specifically exclude surrogacy. If you purchase as a "backup" policy and don't end up submitting any claims, the insurance company may refund all but about $2,000.

Legal Fees

$500-$2,000; varies, depending on state laws and complexity of contract.

$500-$2,500; there are no adoption costs involved. Legally, embryo donations are treated as a transfer of property, and contract law applies.

$1,500-$12,000; varies, depending on state laws.

Medical Fees (expenses in addition to pregnancy and delivery)

$9,000-$15,000; costs include testing and medications for donor and recipient, egg retrieval and IVF procedures.

$4,000-$7,500; costs include testing and medications for recipient, thawing and transfer of embryos.

$13,000-$21,000; costs include testing and medications for egg donor and carrier, egg retrieval and IVF procedures. Cost will be more if an egg donor (not the intended parent) is used, and less for frozen embryo transfers.

Extra Costs (includes psychological evaluations for donors, carriers, and recipients.

$300-$500 for psychological testing/counseling.

$300-$500 for psychological testing/counseling. $1,000-$3,000 if program requires a homestudy.

$300-$500 for psychological testing/counseling. Prospective parents may be liable for child care or housekeeping fees if a carrier is put on bed rest. Some programs include an allowance of $500 or more for maternity clothes.

Travel Expenses

Fees for local donors are low; if the egg donor needs to fly to a particular clinic, costs can range from $1,500-$3,000.

Some clinics offer only embryos donated by other patients. If embryos must be shipped or the IPs travel, the cost may be $1,000 or more.

Depends on the location of the surrogate (and egg donor, if used). Can range from $4,000-$6,000.

Average Total

$20,000-$35,000

$7,500-$20,000

$50,000-$120,000+


SOURCES: Denise Bierly and Theresa Roetter of the Americal Academy of Assited Reproductive Technology Attorneys and Virginia Hart of ART Risk Financial and Insurance Solutions.