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.
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. Read more below to see what competitive base pay compensations we offer to first-time surrogates with Creative Family Connections!
A good rule of thumb is, if it seems too good to be true, it probably is! In the world of surrogacy, base pays range from $30,000 to $55,000 — plus reimbursement for additional expenses — depending on the specific details of your surrogacy journey.
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.
- Telephone calls or shipping for legal documents.
- Small insurance copays.
- Prenatal vitamins and other health supplies.
- Other small miscellaneous/discretionary pregnancy expenses.
- A massage appointment with OBGYN support
You’ll also receive gestational surrogate pay that covers any lost income or limited paid time off 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 IS CFC’S SURROGATE BASE COMPENSATION?
excluding additional stipends below
The $55,000 surrogate base compensation applies to all states listed below, with or without health insurance:
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia (DC), Florida,
Georgia, Hawaii, Idaho, 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, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Wisconsin, West Virginia, Wyoming
We are currently not able to match gestational surrogates who live outside of the United States or in states
classified as “red light” states on our Creative Family Connections Surrogacy Map™.
What potential payments & benefits are separate from my base compensation?
$500 Exclusivity Sign-On Bonus after pre-screening
$1,000 Maternity clothing allowance
$10,000 additional for twin pregnancy ($20,000 additional in the rare event of a triplet pregnancy)
$1,000 for each embryo transfer
$3,000 for a C-section if medically necessary
$350 Mock cycle if medically necessary
$300 Monthly Allowance during the pregnancy & 2 months post-delivery
$350 per week for pumping breastmilk post-delivery (intended parent preference dependent)
$25 per meal per person Travel meal per diem allowance
Up to $75 per day per pet if boarding or overnight care is required
$100 per week Housekeeping during 3rd trimester (or before if doctor ordered or on bedrest)
Up to $20 per hour with $250 per overnight cap Childcare
Surrogate Net Lost Wages (medical screening, embryo transfer(s), or doctor-ordered bedrest)
Surrogate Net Lost Wages After Delivery (4 weeks for vaginal / 6 weeks for C-section, assuming no complications)
Surrogate Spouse Net Lost Wages (embryo transfer(s) and at delivery)
$350 / $700 – ERA / ERA with Biopsy (if IVF clinic advised)
$1,500 Amniocentesis/CVS/Cervical Cerclage
$250 for Cancelled Cycles after start of injectable medications or $500 if after last lining check
$500 / $1,000 Ectopic pregnancy (chemical / surgical termination)
D&C, Selective Reduction, Life Insurance (with COVID Coverage) Policy, Loss of Reproductive Organs Rider Also Included
Real Life Examples
Carrie from Alaska
As a first-time surrogate, Carrie would receive a base compensation of $55,000. She does not have health insurance at the time of applying, but with CFC’s assistance, obtains an ACA insurance policy. She does not have a mock cycle as part of her medical screening. The second dual embryo transfer is successful ($1,000 x 2) and she carries a twin surrogate pregnancy ($10,000). She receives a maternity clothing allowance around the second trimester ($1,000). Based on the timing of the heartbeat ultrasound, she receives 11 months of her monthly allowance during the pregnancy and post delivery ($300 x 11). She has a C-section delivery as deemed necessary by her OBGYN ($3,000). She receives 6 weeks of net actual lost wages post delivery (lost wages not included in the approximate pay 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 grateful to receive it ($350 x 12 weeks = $4,200). She receives lost wages throughout the journey per her surrogate contract.
Approximate Total Surrogate Pay Received: $78,500+
Ashley from Arizona
As a first-time surrogate, Ashley would receive a base compensation of $55,000. She decides to only move forward with CFC versus two other agencies she was considering, responds promptly with all pre-screening steps, and therefore opts into receiving the Exclusivity Sign-On Bonus ($500). She has a two-week mock cycle of the cycling medications as part of her medical screening ($350). Her parents, who typically watch her children on occasion, are out of town at the same time as the medical screening, so Ashley hires an overnight sitter ($250, not included in total below). The first embryo transfer is (hooray!) successful ($1,000 x 1). She receives a maternity clothing allowance around the second trimester ($1,000). Based on the timing of the heartbeat ultrasound, she receives 12 months of the monthly allowance ($300 x 12). Her OBGYN explains to Ashley and her intended parent that it is medically recommended to have an amniocentesis to see what may be going on with baby ($1,500) based on the results of previous non-invasive genetic testing. Her OBGYN also requires two weeks of bedrest, so she receives housekeeping assistance ($100 x 2, not included in total below). During the third trimester, Ashley submits documentation to show 3 weeks of additional housekeeping assistance ($100 x 3, not included in total below). 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 Total Surrogate Pay Received: $62,950+
Haley from Maryland
As a third-time CFC surrogate with a previous second journey base compensation of $52,000, Haley would receive the higher total between A and B:
A. $5,000 more than her previous CFC journey’s base compensation ($52,000 + 5,000 = $57,000)
B. $1,000 more than CFC’s current base amount for MD ($55,000 + 1,000 = $56,000)
In Haley’s case, her previous base amount plus an additional $5,000 is greater than CFC’s current base rate plus $1,000, so she would receive $57,000 as her base surrogate compensation for a third surrogacy journey.
As a third-time surrogate, Haley would receive a base compensation of $57,000. She decides to only work with CFC and assist in the pre-screening process, so she opt into the Exclusivity Sign-On Bonus ($500). She has a mock cycle as part of her medical screening ($350). The first cycle has to be cancelled after the last lining check appointment due to embryo thawing issues at the IVF clinic ($500). The second embryo transfer is successful ($1,000 x 1). She receives a maternity clothing allowance around the second trimester ($1,000). She receives 11 months of the monthly allowance after heartbeat ultrasound confirmation ($300 x 11). She has a complication-free vaginal delivery 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. Haley decides to pump breastmilk post delivery for 4 months, and her intended parent is so grateful and agrees with the arrangement ($350 x 8 weeks).
Approximate Total Surrogate Pay Received: $66,450+
Repeat Surrogacy Journeys
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 person 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.
A second-time surrogate will generally receive $5,000 more than her previous CFC 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. Contact us for more information about compensation for repeat journeys!
What about COVID-19? Can I still apply to be a surrogate with 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 $1,000 from your surrogate base compensation after successfully passing psychological and medical screening, as well as finalizing your surrogacy contract with your intended parents. This $1,000 will be sent to you via direct deposit.
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 CFC team member 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!