Intended Parents

Costs & Financing

Choosing surrogacy is both an emotional and financial commitment. At Tandem Surrogacy, we believe intended parents deserve transparency and clarity from the very beginning so they can plan with confidence and move forward without uncertainty.

While every journey is unique, the total cost of gestational surrogacy and surrogacy in the United States typically ranges from $120,000 to $200,000+, depending on medical needs, insurance coverage, and individual circumstances. This page outlines the major cost categories so you understand how expenses are structured and what to expect along the way.

Prepared nursery space representing financial planning and readiness during the surrogacy journey

Agency Fees

Choosing the right agency matters. Our agency fees cover the full foundation of a safe, ethical, and exceptionally supported journey.
You can expect:

  • Personalized matching with a fully-vetted gestational carrier
  • Comprehensive screening for both parents and carriers
  • Full service coordination from start to finish
  • Dedicated support through every legal and medical milestone
  • A modern, streamlined experience grounded in empathy and expertise

At Tandem, transparency isn’t a feature, it’s our standard.

Gestational Carrier Compensation

Your surrogate is the heart of your journey. Her compensation reflects her time, commitment, and the incredible role she plays in helping you build your family.

Compensation includes:

  • Base compensation
  • Medication and transfer stipends
  • Monthly allowance
  • Maternity clothing
  • Additional compensation if carrying twins, undergoing a C-section, or requiring bed rest
  • Lost wages if applicable

Most Tandem carriers receive $45,000–$60,000+ (first-time) and $60,000–$85,000+ (experienced).

Medical & Fertility Clinic Fees

Medical costs are paid directly to your fertility clinic and can vary based on your treatment plan.
These typically include:

  • IVF and embryo creation
  • Frozen embryo transfer
  • Embryo storage or shipping
  • Prenatal care, labs, and ultrasounds
  • Delivery costs not covered by insurance

We help you navigate clinic requirements and anticipate medical expenses before you begin.

Insurance Costs

Insurance can be the most complex part of a surrogacy journey, but we make it simple.
You may need:

  • A maternity insurance policy for your carrier
  • Life insurance
  • Deductibles and co-insurance
  • Out-of-pocket medical costs

We guide you through every option so you understand coverage and feel confident in your choices.

Legal Fees

Your legal protection is essential. Surrogacy law is specialized, and we work with trusted reproductive attorneys to ensure every detail is handled with care.

Typical legal costs include:

  • Carrier contract creation and review
  • Independent representation for your surrogate
  • Establishing parentage
  • Any required court filings

Your family’s rights are safeguarded from day one.

Escrow & Professional Services

A secure escrow account ensures all payments are handled safely, neutrally, and transparently.

You may also see fees for:

  • Escrow setup and management
  • Psychological evaluations
  • Background checks
  • Travel coordination

These protect the integrity and smooth flow of your journey.

Unexpected or Variable Costs

Every surrogacy journey is unique. We encourage intended parents to plan for costs like:

  • Additional transfers
  • Lost wages due to bed rest
  • Extended travel
  • Unforeseen medical needs

With Tandem, you’re never navigating the unexpected alone.

Why Families Choose Tandem

Choosing Tandem means choosing support that is personal, modern, and intentionally designed for today’s families. We combine expertise with compassion to ensure your financial investment feels informed and purposeful.

You’ll always know:

  • What you’re paying
  • Why you’re paying it
  • What comes next

No surprises. No uncertainty. Just clarity and confidence.

Why Transparency Matters in Surrogacy Costs

Surrogacy costs are not a single fee or invoice. They are made up of several categories that reflect the care, coordination, and professional services required to support a safe and ethical journey.

Tandem’s role is to help intended parents understand how these costs fit together, anticipate expenses ahead of time, and avoid surprises. Financial clarity allows you to focus on preparing for parenthood rather than navigating uncertainty.

Surrogacy Cost FAQs

Surrogacy costs are influenced by many factors beyond location, including medical needs and insurance. Utah often offers a favorable legal and medical environment, but total costs depend on individual circumstances.
Many expenses occur at different stages throughout the journey. Tandem helps intended parents understand timing so financial planning feels manageable.
Yes. Transparency is central to our approach, and intended parents receive clear guidance before making commitments.
baby mobile landscape

Ready to Take the Next Step?

Whether you are exploring surrogacy for the first time or ready to begin your journey, Tandem Surrogacy is here to help you move forward with confidence.

Surrogacy coordinator providing guidance to an intended parent at Tandem Surrogacy.

Surrogacy Services Designed Around People

Compensation

Requirements

Surrogate Process

Featured Intended Parents

Costs & Financing

Parent Process

Screening & Matching

Support for Gestational Carriers

Trusted Guidance for Intended Parents

Ethical Surrogacy, Done the Right Way