How does IVF and surrogacy work?

In vitro fertilization (IVF) is inherently part of the surrogacy process. In some cases, an intended mother will utilize IVF to retrieve her eggs to create embryos. In other cases, an egg donor is required to donate her eggs to create embryos. Both cases require IVF professionals (your IVF clinic), medications and money.

If you are creating embryos with your own biology, some insurance policies will cover the IVF process. If not, these are costs that are paid out of pocket to your IVF clinic.

Intended parents are responsible for all costs related to IVF for their gestational carrier or egg donor. The medical costs – such as medications and procedures – will be paid to the clinic. Other related costs – such as travel and local monitoring – are included in your fees paid your surrogacy agency.

How does IVF and surrogacy work?

For a surrogacy journey, IVF costs are an important component to consider when assessing the total cost of a potential journey. While many of your surrogacy costs are paid to your surrogacy agency, your IVF expenses are paid to your fertility clinic. Intended parents can often choose between package options that include egg donation and/or embryo creation, plus IVF transfers or just IVF transfers alone (for those that have already created embryos). In addition, you can choose from packages that provide 1-3 transfers to packages that include unlimited transfers until a live birth is achieved.

Medipocket Surrogacy has experience working with a variety of clinics across the United States, on both the East and West coasts. We’re able and willing to work with a clinic of your choice, or to provide you with introductions to the clinics with which we work most frequently – including RMA-Connecticut, CCRM, HRC, San Diego Fertility Centers, Fertility Centers of Las Vegas, and ORM, among others.

For many journeys, we see IVF costs range between $7,000-$10,000 for those intended parents with embryos already created, and $29,900 and above for intended parents who need to create embryos. Some clinics also offer packages including unlimited retrievals and/or transfers.

Do I need insurance for my surrogate?

Gestational surrogates will need insurance coverage during her surrogate pregnancy. The types of insurance needed in a surrogacy journey include:

  • Complications insurance
  • Life insurance
  • Maternity insurance
  • Back up to maternity coverage

Once the baby is born, insurance must be in place to cover the baby. For domestic intended parents, most are able to add their newborn to their existing health insurance policies (having a baby qualifies as a “life event” with insurance companies to allow plan members to adjust policies outside of normal enrollment periods).

For international parents looking for newborn insurance, there are a few options that are constantly changing. Medipocket Surrogacy can assist in connecting international intended parents with providers.

How does surrogacy insurance work?

Medipocket Surrogacy’s goal is security for the intended parents and their surrogate throughout the surrogacy journey.

Medipocket Surrogacy offers an all-inclusive cost program that enables us to offer insurance costs at a fixed price to help control costs. With our exclusive Journey Protection Guarantee Program, you’ll pay insurance costs. Medipocket Surrogacy USA’s fixed Medical & Insurance expenses include:

  • Premium/gestational carrier payment
  • Copayments and deductibles
  • Complications insurance
  • Life insurance
  • Insurance defense
  • Back up policy

Medipocket Surrogacy is able to provide fixed costs because we have extensive experience identifying, screening and accepting surrogates with existing maternity coverage that covers a surrogacy journey. In the instances when a surrogate’s insurance is not adequate coverage, Medipocket Surrogacy USA will facilitate a high-quality, surrogacy-specific policy.

Becoming a Parent: An Overview

Find a surrogacy agency.

All prospective intended parents – whether you’re a couple or a single individual, LGBTQ+, domestic or international – should start their surrogacy journey by researching surrogacy agencies. When they find a few agencies that feel like a good fit, they should meet with each agency to determine which agency is best for their needs.

Sign On and Get Started

If you wish to proceed with Medipocket Surrogacy after your complimentary consultation, you’ll sign an Agreement for Services. Once the Agreement is executed, you’ll be assigned a Journey Support Team, who will guide you through every phase of the process.

The matching process.

The matching process begins with an initial call or Skype with your Journey Support Team to choose an IVF clinic and an egg donor (if needed). The next step is to find an appropriate match with a gestational surrogate who’s completed our comprehensive screening process.

Ready to Start?