SURROGATE FINANCIAL INFORMATION
There are so many aspects to consider when choosing an agency for your surrogacy journey! At Creative Family Connections, we see surrogacy as an amazing win-win for both you and your family and also the family that wouldn’t be possible without your help. And while there are so many beautiful reasons to want to help someone have their family, one of the benefits of working with a surrogacy agency is financial. Hoping to save up for a college fund for you or your children, or a downpayment on a new home, while also giving someone the chance to have a beautiful family like yours? Then you’re in the right place.
A look at average compensation for surrogates across the U.S.
While surrogacy is a rewarding and incredible gift, it is also a complex medical and legal process that requires significant time and energy along the way. As a potential surrogate, it’s only natural to wonder about the average pay for surrogates.
For most U.S. surrogacy agencies, intended parents provide three types of surrogacy pay in exchange for your dedication, time, and sacrifice. These include:
- Competitive base pay compensation throughout the pregnancy.
- Additional stipends based on various aspects of the journey.
- Coverage of all surrogacy journey support and reimbursement for expenses incurred during the process.
Compensation rates vary based on a woman’s surrogacy experience
The average pay for surrogates can vary based on whether you are undergoing a repeat surrogacy journey or are a first-time gestational surrogate. Every surrogacy agency is different, so the best way to know for sure is to speak to a surrogacy professional. That way, you can feel informed to make the best decision for you and your family.
Average surrogate pay for first-time gestational surrogates
When searching for information about how surrogates are paid, you’ll find that many surrogacy agencies promise flat rates starting at $25,000 and more for gestational carriers. However, be careful as you research surrogate income. Some agencies may display misleading numbers, promising higher rates than what their first-time surrogate compensation rates really are.
A good rule of thumb is, if it seems too good to be true, it probably is! Expect to be paid an average base pay of $30,000 to $46,000 — plus reimbursement for additional expenses — depending on your state of residence and the specific details of your surrogacy journey.
Repeat journey surrogacy pay
When you’re a repeat surrogate, you already know the ropes and have proven your ability and dedication to carry a gestational pregnancy to term safely. You know the surrogacy process, and that will make a subsequent journey much easier! Because of this, you’ll be in high demand with intended parents who are looking for a caring, responsible woman to carry their baby.
Because of your valuable experience and knowledge, surrogacy professionals and intended parents are happy to pay a higher repeat surrogate compensation. Different agencies offer different rates, meaning some may provide a higher flat rate for experienced surrogates, while others may provide an additional base pay increase per surrogate pregnancy.
As a surrogate, the intended parents will cover many of your expenses — from your medical procedures to screening costs and your legal fees. In addition, you’ll receive a monthly payment. Remember that the base compensation excludes certain stipends like maternity clothing, transfer stipends, meal stipends while traveling for the medical screening and embryo transfer, and more!
Like your base compensation, any surrogacy-related expenses that your intended parents will pay should be decided on early in the process and outlined in your surrogacy legal contract. Your monthly allowance during the pregnancy will usually cover:
- Mileage to and from your doctor’s appointments.
- Child care during the pregnancy.
- Housekeeping help during the pregnancy.
- Telephone calls or shipping for legal documents.
- Small insurance copays.
- Prenatal vitamins and other health supplies.
- Other miscellaneous pregnancy expenses.
You’ll also receive gestational surrogate pay that covers any lost income you and your spouse incur from missing work due to surrogacy appointments. Depending on your contract, you could receive additional compensation for certain elements of the surrogacy medical process, like stipends for a mock cycle, for just one example.
What about COVID-19? Can I still apply to be a surrogate at Creative Family Connections?
Yes! There are plenty of parts of the surrogacy process we can work on together from the comfort of your home, including meeting your intended parent or parents! Earn $1,500 as a surrogate before you are pregnant! Our current Exclusive Stay-at-home Surrogate Stipend is $500 for qualified surrogate candidates. This bonus is paid after our pre-screening has been completed and there has been an official in-home interview with someone on our team. Also, as a CFC surrogate, you will receive an $1,000 advance from your surrogate base compensation after successfully passing psychological and medical screening. This $1,000 will be advanced to you via direct deposit.
What are some possible additional stipends that are separate from my base pay?
$1,000 Maternity clothing allowance
$10,000 for a multiples twin pregnancy ($20,000 in the rare event of a triplet pregnancy)
$750 for each embryo transfer
$2,500 for a C-section if medically necessary
$250 Mock cycle if medically necessary
$250 monthly allowance during the pregnancy
$250 per week for pumping breastmilk
CFC SURROGATE BASE COMPENSATION
WITH SURROGACY-FRIENDLY INSURANCE
Alabama, Alaska, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia (DC), Florida,
Georgia, Hawaii, Illinois, Iowa, Kansas, Kentucky, Maine, Maryland, Massachusetts, Minnesota, Missouri, Mississippi,
Montana, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon,
Pennsylvania, Rhode Island, South Carolina, South Dakota, Texas, Utah, Vermont, Washington, Wisconsin, West Virginia
(excluding additional stipends)
Arizona, Idaho, Indiana, Tennessee, Virginia, Wyoming
We are currently not able to match gestational surrogates who live in states
classified as “red light” states on our Creative Family Connections U.S. Surrogacy Map.
Health Insurance & Surrogate Compensation
FIRST TIME SURROGATE WHO HAS SURROGACY-FRIENDLY INSURANCE
$42,000 or $46,000 BASE COMPENSATION
If you have health insurance through an employer or the ACA, we will have it reviewed by surrogacy insurance expert brokers. If your insurance is deemed to be surrogacy-friendly, your intended parent(s) will not need to pay for an additional surrogate insurance policy, which can cost anywhere from $5,000 to $25,000.
FIRST TIME SURROGATE WITHOUT SURROGACY-FRIENDLY INSURANCE
$37,000 or $41,000 BASE COMPENSATION
If your health insurance is deemed to NOT be surrogacy-friendly, your intended parent(s) will need to pay for a surrogacy-friendly policy, which can cost anywhere between $5,000 and $25,000. Your base compensation will not be increased by $5,000.
A second time surrogate will generally receive $5,000 more than her previous surrogacy journey’s base compensation OR $1,000 more than CFC’s current surrogate base pay, whichever is greater. A third time surrogate will generally receive more than her previous surrogacy journey’s base compensation, depending on prior pregnancy history and state of residence. Contact us for more information about repeat journeys!
Let Creative Family Connections support your surrogacy journey
Creative Family Connections is a surrogacy agency and law firm committed to assisting both intended parents and surrogates in their journey. As true experts in the surrogacy world since 2001, we continue to compile surrogacy law research in every state across the U.S. We work with surrogates all over the country — women who are educated, fun, sincere, and incredibly selfless.
Our goal is to guide you on your surrogacy journey and make it as happy and stress-free as possible, while also legal and ethical. Choose CFC and receive surrogate matching, legal services, and premiere concierge-level support throughout your journey. Contact a representative today for more information about “surrogate mother” income at Creative Family Connections. Or, fill out our application for gestational surrogacy and let us work with you on this awe-inspiring journey!
Ashley from Colorado
As a first-time surrogate without surrogacy-friendly insurance who lives in Colorado, Ashley would receive a base compensation of $41,000. She has a mock cycle as part of her medical screening ($250). Her second embryo transfer is successful ($750 x 2) and she receives a maternity clothing allowance around the second trimester ($1,000). She receives 8 months of her monthly allowance after heartbeat ultrasound confirmation ($250 x 8). Her OBGYN says it is medically necessary for Ashley to have a C-section ($2,500). She decides to pump post delivery for her local hospital, and her intended parents decide to stick to formula. She and her husband receive lost wages throughout the journey per their surrogate contract (lost wages not included in the total).
Approximate Surrogate Pay Received: $48,250+
Carrie from Texas
As a first-time surrogate, with surrogacy-friendly insurance, who lives in Texas, Carrie would receive a base compensation of $46,000. She does not have a mock cycle as part of her medical screening. Her second dual embryo transfer is successful ($750 x 2) and she carries a twin surrogate pregnancy ($10,000). She receives a maternity clothing allowance around the second trimester ($1,000). She receives 8 months of her monthly allowance after heartbeat ultrasound confirmation ($250 x 8). She has a C-section delivery as deemed necessary by her OBGYN ($2,500) and receives 4 weeks of net actual lost wages post delivery (lost wages not included in the total) before being cleared to return to work. Carrie decides to pump breastmilk post delivery for 3 months for her intended parents, and her intended parents are so grateful ($250 x 12 weeks = 3000). She receives lost wages throughout the journey per her surrogate contract.
Approximate Surrogate Pay Received: $66,000+
Haley from Maryland
As a second-time surrogate with surrogacy-friendly insurance living in Maryland with a previous journey base compensation of $43,500,
Haley would receive the higher total between A and B:
A. $5,000 more than her previous journey’s base compensation ($43,500 + 5,000 = $48,500)
B. $1,000 more than CFC’s current base amount for MD ($46,000 + 1,000 = $47,000)
In Haley’s case, her previous base amount plus an additional $5,000 is greater than CFC’s current base rate for MD plus $1,000, so she would receive $48,500 as her base surrogate compensation for a second surrogacy journey.
As a second-time surrogate, with surrogacy-friendly insurance, who lives in Maryland, Haley would receive a base compensation of $48,500. She has a mock cycle as part of her medical screening ($250). The second embryo transfer is successful ($750 x 2 transfers). She receives a maternity clothing allowance around the second trimester ($1,000). She receives 8 months of her monthly allowance after heartbeat ultrasound confirmation ($250 x 8). She has a vaginal delivery and receives 2 weeks of net actual lost wages post delivery (lost wages not included in the total) before being cleared to return to work. Haley decides to pump breastmilk post delivery for 4 months, and her intended parents are so grateful and agree with the arrangement ($250 x 8 weeks).
Approximate Surrogate Pay Received: $57,750+