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.
At Creative Family Connections, we believe in honesty and transparency from the beginning, starting with our very first phone call with you after you fill out our application. No reason to shy away from talking finances!
What about COVID-19? Can I still apply to be a surrogate?
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.
How does surrogate compensation work with CFC?
When doing your research about surrogate compensation, keep in mind that some surrogacy agencies may advertise a maximum (and sometimes truly unrealistic!) surrogate income to be earned based on every possible stipend and every possible scenario, like bedrest lost wages, just to name one example. At CFC, we look at the base compensation, or surrogate pregnancy payments, and additional stipends separately when it comes to surrogate finances. Our surrogate base pays are $42,000 and $46,000 for a first-time surrogate with surrogacy-friendly insurance, depending on your state of residence. Again, your base compensation does not include additional stipends.
What are some possible additional stipends that are separate from my base pay?
$1,000 Maternity clothing allowance
$5,000 for a multiples twin 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, Kansas, Kentucky, Maine, Maryland, Massachusetts, Minnesota, Missouri, Mississippi,
Montana, Nevada, New Hampshire, New Jersey, New Mexico, 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 $3,000-$5,000 more than her previous surrogacy journey’s base compensation, depending on prior pregnancy history, OR $1,000 more than CFC’s current base amount, whichever is greater.
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 ($5,000). 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: $61,000+
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+