Surrogacy is a life-changing path to parenthood —for many Arizona families, the first question is: How much does surrogacy cost?
With something as important as becoming a parent, you want to know the financial expectations to avoid any confusion, surprises, or concerns. American Surrogacy is here to guide you through all aspects of surrogacy costs in Arizona.
How Much Does Surrogacy Cost in Arizona?
On average, the total cost of surrogacy in Arizona falls between $100,000 and $200,000+, depending on the services you need, your program choice, medical factors, and your surrogate’s compensation package.
When facing such an important decision and investment, working with an experienced, transparent agency can make all the difference. At American Surrogacy, we help intended parents navigate each step — from planning and budgeting to matching and delivery — with clarity and confidence.
If you’re ready to move forward, we’ll help you become a parent faster through a surrogacy experience built for success.
American Surrogacy’s Programs in Arizona
American Surrogacy offers three programs designed to meet the varying needs of families pursuing surrogacy in Arizona:
- Limited Risk Program ($169,900 - $179,000+): A full-service option that includes financial protections for events like failed embryo transfers, rematches, and early complications. Most intended parents are matched with a surrogate in 1 to 4 months.
- Foundation Program ($115,400 - $170,000+): A pay-as-you-go model that includes full coordination but fewer financial safeguards. This is ideal for families who want to manage payments over time.
- Independent Program ($17,000+): For families who already have a surrogate match and only need professional guidance for the legal, medical, and case management steps.
For a closer look at what each program includes, check out our Full-Service Programs or learn more about our Independent Program.
Surrogacy Cost Breakdown
A typical surrogacy journey in Arizona includes several cost categories:
- Agency Fees: These cover professional services such as surrogate matching, screening, coordination with legal and medical providers, and continuous case management.
- Surrogate Compensation: Includes base pay, plus reimbursements for various pregnancy-related expenses.
- Legal Services: Covers contract drafting, negotiation, and securing your parental rights in accordance with Arizona law.
- Medical Procedures: Encompasses IVF, embryo transfer, prenatal care, and hospital delivery.
All of these pieces work together to support a safe and legally sound journey for everyone involved.
Understanding Agency Fees and Surrogate Compensation
Your investment in an agency goes beyond administrative tasks — it’s about gaining peace of mind. American Surrogacy’s agency fee includes expert guidance, risk reduction, 24/7 support, and a team committed to your family-building goals.
As for compensation, how much does a surrogate cost in Arizona? First-time surrogates typically earn a base pay of $50,000, with higher compensation possible for experienced surrogates. In addition to base compensation, intended parents also provide payment for:
- Lost wages
- Travel and lodging
- Childcare and housekeeping
- Maternity clothing and wellness needs
- Insurance premiums and medical co-pays
Altogether, surrogate compensation in Arizona often totals between $60,000 and $75,000. This ensures your surrogate can focus on a healthy pregnancy without financial stress — and that your journey remains smooth and supportive for everyone involved.
Avoiding Hidden and Unexpected Surrogacy Costs
Many intended parents worry about hidden costs that could derail their budget. Those fears are valid — especially when working with providers that lack structure or transparency.
That’s why American Surrogacy built our Limited Risk Program to address these concerns. This full-service plan includes protections against costs from failed embryo transfers, re-matching after disruptions, and other curveballs. By planning for the unexpected, we help you stay focused on what matters most — becoming a parent.
How Much Does a Surrogate Cost in Arizona?
Surrogate compensation is one of the most significant line items in the surrogacy budget. In Arizona, base pay starts around $50,000, and with benefits and reimbursements, total surrogate costs usually fall between $60,000 and $75,000+.
Compensation may vary based on the surrogate’s location, experience, and personal situation. All payments are clearly outlined and managed through a secure trust account, ensuring accountability and peace of mind.
Families pursuing surrogacy independently — with a known surrogate already in place — can explore our Independent Program, starting at $17,000. But remember: you'll still need to cover full compensation, legal support, and medical care, which means your total expenses could exceed $100,000 even with this streamlined path.
How Much Does Surrogacy Cost with Insurance in Arizona?
One factor that can affect your total costs is whether any part of the surrogacy journey is covered by insurance. So, how much does surrogacy cost with insurance in Arizona?
Most policies don’t cover surrogate compensation or agency fees, but some employer-provided plans may offer partial reimbursement for:
- IVF treatment
- Fertility medications
- Prenatal care
Arizona residents often work with major insurers like Blue Cross Blue Shield of Arizona, United Healthcare, and Cigna. Our team will review your policy during onboarding to help you understand exactly what’s covered — and what’s not — before you move forward.
How Much Does IVF and Surrogacy Cost?
For many families, the medical component of surrogacy begins with IVF. So, how much does IVF and surrogacy cost in Arizona?
Here’s what to expect from fertility-related expenses:
- IVF procedures
- Fertility medications
- Egg or sperm donors (if needed)
- Additional testing and monitoring
Combined with your surrogacy costs, IVF can bring your total closer to the higher end of the budget range — especially if multiple cycles are needed or if different services are involved.
Affording Surrogacy
The financial aspect of surrogacy can feel overwhelming — but affording surrogacy in Arizona is more realistic than you might think. At American Surrogacy, we’re proud to offer affordable surrogacy programs and trusted financing partners to help make your journey possible.
In addition to our agency’s solutions, you may also want to explore:
- Baby Quest Foundation: Offers need-based grants to individuals and couples undergoing IVF or gestational surrogacy.
- Men Having Babies’ GPAP Program: Provides financial assistance for gay men building families through surrogacy.
- Pay It Forward Fertility Foundation: Awards grants to help cover IVF and third-party reproduction expenses.
- Journey to Parenthood Grant: Offers a grant of up to $10,000 to help offset fertility treatment and surrogacy costs.
Additionally, many Arizona-based employers — especially in the tech, healthcare, and finance sectors — now offer fertility and family-building benefits through platforms like:
- Carrot Fertility: A benefit provider that helps employers cover costs related to surrogacy, IVF, and adoption.
- Progyny: Partnered with companies like Microsoft, Google, and American Express to offer comprehensive fertility benefits.
Other financing strategies include:
- Personal savings and investments
- Retirement account loans or withdrawals
- Home equity lines of credit (HELOCs)
Affording Surrogacy: Fertility Financing Options
We’ll help you explore all available options to build a funding strategy that fits your family’s path. To help ensure you work with a trusted service provider, we have a surrogacy financing partner who provides excellent services that help make surrogacy more affordable:
Sunfish: Sunfish offers low-interest fertility loans for IVF, surrogacy, and egg donors for American Surrogacy. They make parenthood attainable for all types of families through financial solutions, support, and guidance.
Learn more about financing your surrogacy through Sunfish here.
Why Choose American Surrogacy?
Families across Arizona and the U.S. choose American Surrogacy because we combine compassion with unmatched professionalism. Our promise to you includes:
- Fast, reliable matches: 1–4 month average wait time
- Built-in financial protection: Especially through our Limited Risk Program
- Expert guidance at every stage: Legal, emotional, and logistical
We don’t just help you complete the process — we guide you through every step of the way.
Next Steps in Your Surrogacy Journey
Surrogacy in Arizona is possible — but it comes with unique legal considerations. Although state law declares surrogacy contracts unenforceable, intended parents have still been able to complete their journeys with the help of skilled attorneys and an experienced agency.
At American Surrogacy, we work closely with legal professionals to help you navigate Arizona’s surrogacy process as safely and efficiently as possible. We’re here to support your family-building journey every step of the way.