American Surrogacy Blog

Miscarriage with a normal embryo is devastating, but it may point to underlying factors IVF can’t address.

By understanding these issues, you can move away from repeated disappointment and find success with a strategic option like gestational surrogacy.

Are you ready to get closer to your path to parenthood? Connect with a specialist at American Surrogacy today to explore a proven path forward.

The Heartbreak of Hope: Experiencing Miscarriages with Genetically Tested Embryos

The journey to parenthood after facing recurrent pregnancy loss is profoundly difficult. After investing so much in IVF and creating an embryo, receiving news of another miscarriage feels devastating and deeply confusing.

This experience is not a failure on your part, but a sign that the focus needs to shift.

You have faced setbacks beyond your control, but by choosing surrogacy, you are giving your embryos the best opportunity.

Normal Embryos Don’t Guarantee a Successful Pregnancy

Preimplantation Genetic Testing (PGT-A) is an invaluable diagnostic tool in modern IVF. It allows your medical team to check an embryo’s chromosome count before transfer.

An embryo confirmed as “euploid” (or chromosomally normal) has the correct number of chromosomes and is considered the highest quality embryo available.

However, PGT-A does not guarantee pregnancy. A chromosomally normal embryo does not override underlying systemic or uterine health issues within the intended mother’s body.

Hidden Causes of IVF Miscarriages with Normal Embryos: Uterine, Hormonal, and Immune Factors

Recurrent implantation failure or miscarriage with a normal embryo points toward factors that cannot be solved by simply creating another embryo.

These issues are often subtle, requiring specific diagnostic testing and sometimes a change in approach.

Uterine Environment Factors

The endometrium, the lining of the uterus, must be receptive and healthy. Issues in this area can prevent implantation or lead to early loss:

• Endometrial Thickness and Structure: A lining that is too thin, uneven, or structurally abnormal may fail to properly support the embryo. Your doctor may refer to this as a lack of uterine receptivity.
• Endometriosis and Adenomyosis: These common, inflammatory conditions can create a hostile environment that makes implantation and sustained pregnancy extremely difficult.
• Chronic Endometritis (CE): This is a persistent, non-symptomatic inflammation of the endometrial lining, often caused by an underlying bacterial infection.
• Structural Abnormalities: Unidentified polyps, fibroids, or scar tissue (Asherman’s Syndrome) can obstruct implantation or compromise the blood supply necessary for the placenta’s development.

Learn more about uterine health issues that may be making pregnancy impossible.

Autoimmune or Chronic Health Factors

In some cases, the body’s immune system is the barrier. The body may treat the embryo as a foreign object and reject it.

Autoimmune or inflammatory conditions that are not properly managed can create a highly inflamed environment in the body that prevents a pregnancy from starting or growing. These include:

• Lupus: A chronic autoimmune disease that can increase the risk of blood clotting and inflammation, compromising the blood flow needed for the placenta.
• Multiple Sclerosis (MS): While generally not a direct barrier to conception, severe or active MS can indicate systemic inflammation that impacts the immune environment needed for implantation.
• Hashimoto’s Thyroiditis: An autoimmune thyroid condition often linked to recurrent miscarriage, as unmanaged thyroid hormones are essential for successful early pregnancy development.
• PCOS (Polycystic Ovary Syndrome): While primarily hormonal, it often involves chronic, low-grade inflammation that can negatively affect uterine receptivity and embryo implantation.
• Natural Killer (NK) Cells: While complex and often debated, some specialists believe an overactive presence of these immune cells in the uterus may attack the implanting embryo, treating it as a foreign object.

Learn more about chronic health conditions that may make pregnancy difficult or unsafe.

Hormonal and Timing Factors

Issues with hormones and timing are another barrier to successful implantation.

The uterine lining has a very narrow “window of implantation”, meaning the timing of the embryo transfer must be exact, even with standard hormone medication.

 Specialized tests like the Endometrial Receptivity Assay (ERA) help pinpoint this timing, but repeated failure suggests the window is consistently missed or compromised.

Additionally, a lack of sufficient natural progesterone during the early weeks, known as luteal phase support, can still compromise the lining’s ability to sustain the pregnancy, leading to loss

When to Consider Surrogacy After Multiple Miscarriages with Test Embryos

This decision should be made in consultation with your reproductive endocrinologist.

However, clear emotional and medical triggers often indicate surrogacy is the next strategic step:

• Specific medical barriers. You have received a confirmed diagnosis that your medical team identifies as the primary cause of recurrent loss.
• Your mental health has taken a toll. Surrogacy offers a way to continue the family-building process without the constant physical and emotional strain of repeated failures.
• The cumulative cost of repeated IVF cycles, specialized testing, and experimental treatments may become unsustainable. Surrogacy provides a more predictable investment toward achieving your family goal.
• You have remaining embryos. If you have frozen PGT-tested embryos, using them with a gestational carrier gives them the highest possible chance.

Surrogacy is not a last resort; it is a strategic, medically supported path to success when evidence points to the uterine environment as the barrier.

How Surrogacy Bypasses Uterine Factors That IVF Can’t Solve

When you choose American Surrogacy, we build your journey on the foundation of a thoroughly vetted and medically cleared gestational carrier.

This process is designed to eliminate the gamble of an unpredictable uterine environment and maximize the possibility of a healthy pregnancy.

Our rigorous, multi-step screening ensures you start your journey with confidence:

• Agency Review: We start with an in-depth review of her full medical history and social background.
• Clinic Review: Your fertility clinic reviews her past medical records, focusing on previous pregnancies and deliveries, to confirm a history of successful, healthy births.
• Medical Clearance and Physical Exam: She undergoes a comprehensive physical examination and medical workup at your fertility clinic to confirm her uterus is optimally receptive and structurally sound for a successful transfer and pregnancy.

Other essential clearances we ensure include:

• Psychological Readiness: Confirming she is emotionally and mentally prepared for the journey and understands the unique relationship with you.

By utilizing a gestational carrier who has been carefully and successfully screened through these multiple layers of review, you replace anxiety with certainty, knowing your precious embryo is in the safest possible environment.

Emotional Healing and Moving Forward

The grief, fatigue, and profound sense of failure that accompany recurrent loss are entirely understandable. Even when you know the miscarriage was not your fault, the emotional burden is real.

Surrogacy offers a crucial opportunity for psychological recovery and consciously moving forward with your family-building journey.

Gaining Control: Making an Intentional Choice for Family

Instead of dwelling on past disappointments, surrogacy allows you to pivot your focus on creating your family.

• Move from Strain to Preparation: Surrogacy allows you to move past the physical burden and psychological toll of recurrent IVF failure. You can channel the energy previously spent on treatments into preparing for the baby’s arrival.
• Taking Control: Instead of passively waiting for a diagnostic test or an experimental treatment, you are actively choosing the most successful, medically supported path available to you.
• A Supported Journey: At American Surrogacy, we provide comprehensive support so you can focus on your path to parenthood.

What to Expect When Exploring Surrogacy as a Next Step

The idea of starting the surrogacy process can feel overwhelming, but our agency is here to simplify every step. We offer a clear, efficient path designed to minimize stress and maximize success:

Step 1: Reach Out to a Specialist

Your first step is connecting with a specialist at American Surrogacy. We listen to your unique story, understand your medical history, and help you determine if our program is the right fit.

Step 2: Match with a Surrogate

Based on your preferences, we present you with profiles of pre-screened, medically cleared gestational carriers. Our focused process often leads to quick matches.

Step 3: Complete Legal Contracts

Attorneys work together to create comprehensive, protective legal agreements that establish your parentage.

Step 4: Embryo Transfer

Your reproductive endocrinologist facilitates the transfer of your PGT-tested embryo to the gestational carrier. We support you throughout the entire medical process.

Step 5: Pregnancy and Birth

You remain closely involved throughout the pregnancy, preparing for the day you welcome your child at the hospital.

Ready to Take the Next Step? Explore Surrogacy with Compassion and Clarity

You have faced setbacks beyond your control, but by choosing the strategic path of surrogacy, you are giving your embryos the best opportunity for success.

Surrogacy is not a detour; it is a supported, deliberate choice made by loving parents who refuse to give up on their family dream.

Even with multiple miscarriages, you can still start or grow your family. Contact us to learn how we can support you on your path to parenthood.

IVF is a major emotional and financial commitment. When it doesn’t work, you may feel like the future you imagined is slipping away.

You deserve clear, compassionate guidance about your options.

In this guide, you’ll learn whether you can get your money back for failed IVF, how fertility clinic refund programs work and why some families shift toward surrogacy.

When you’re ready, you can get free information and talk with a surrogacy specialist about what comes next.

Do You Get Your Money Back for Failed IVF?

You may be able to receive a partial refund. Some fertility clinics offer money-back guarantees through “shared risk” programs.

Generally, you’ll need to pay a higher upfront cost in exchange for financial protection if treatment does not result in a live birth.

For example, Shady Grove Fertility’s Shared Risk 100% Refund Program allows qualifying patients to pay one flat, refundable deposit that covers multiple IVF attempts.

You can try up to six IVF or donor-egg cycles, plus unlimited frozen embryo transfers. If you don’t take home a baby or choose to stop treatment, you get your full deposit back.

But there are important limitations:

• You must meet strict medical criteria, including age and ovarian reserve requirements.
• You’ll pay more upfront than traditional per‑cycle fees.
• You receive a refund only on the program deposit — not medications or diagnostic testing.

Programs like this can offer a clearer path forward, but they’re not available for everyone.

Are IVF Refund Programs Worth It?

If you qualify and want predictable costs, these programs can give you a sense of stability during an emotional process.

If you’re unlikely to qualify or prefer paying per cycle, they may not feel right for where you are. At the end of the day, this decision is about caring for your heart as much as your finances.

What Happens Financially If IVF Fails?

A failed cycle can be emotionally and financially devastating. You’ve poured your heart, time and resources into the process while holding onto the hope of growing your family.

When the pregnancy test comes back negative, you’re not just facing a medical outcome, you’re facing the weight of everything you invested.

You may be left carrying medical bills or debt from earlier rounds, which can make the next step feel even heavier. And you typically can’t get insurance to cover IVF failures; most insurance plans don’t cover IVF at all.

Depending on your state and employer, you may have partial coverage for diagnostics or medication, but coverage for full treatment is still limited.

This is often the moment when intended parents step back and re-evaluate whether more IVF cycles make sense.

Why Some Families Choose Surrogacy After Failed IVF

Medical Conditions That Prevent Safe Pregnancy

Some medical conditions, like severe uterine scarring, autoimmune issues or other health factors, make it very difficult to carry a pregnancy safely.

Surrogacy allows you to use your embryos while relying on a gestational surrogate who has been thoroughly screened and cleared to carry a healthy pregnancy.

Overcoming the Emotional Strain of Repeat IVF

After multiple IVF cycles, the emotional weight of hoping, waiting and grieving can become overwhelming. You may want a path with fewer unknowns, a clearer timeline and a higher chance of success.

Shifting to Surrogacy for Financial Predictability

Repeat IVF cycles can add up quickly. For some families, shifting to surrogacy feels like a more predictable and purposeful investment.

Many families go through many IVF cycles before trying something else. But choosing surrogacy isn’t “giving up.”

Rather, it’s an intentional step toward the option that gives you the best chance of becoming a parent.

Surrogacy Is More Expensive. So Why Do People Still Choose It?

Surrogacy is a significant financial investment, but some people consider surrogacy a better investment than repeated IVF.

Here are the benefits that often make surrogacy feel like the stronger path forward:

• Predictable Timeline: With American Surrogacy, many intended parents are matched in 1 - 4 months, helping you move forward faster.
• Higher Likelihood of Success: You work with a gestational surrogate who has been thoroughly screened and medically cleared.
• Structured Process: You experience fewer unexpected hurdles compared to repeated IVF cycles.
• Genetic Connection: You can use your own embryos to maintain a genetic link to your child.

For intended parents who have already been through so much, surrogacy often feels like a stable and structured step toward becoming a parent.

IVF vs. Surrogacy: Which Is More Cost-Effective in the Long Run?

IVF is unpredictable. One cycle might succeed, or you might need several, each costing thousands of dollars.

Surrogacy costs more upfront, but success rates are significantly higher due to medically screened surrogates.

Instead of wondering whether this next cycle will be different, you’re placing your embryo into the healthiest, most stable environment possible.

When you compare the total cost of repeat IVF cycles, the medications, the procedures, the time off work, the emotional toll, many families ultimately spend less through surrogacy than they would after several more IVF attempts.

If your journey ends without a baby and you have no embryos left, certain surrogacy programs (including some at American Surrogacy) also offer partial refunds depending on the package you choose. This adds another layer of financial protection and predictability.

IVF Is Already Part of the Surrogacy Process — Why Risk Paying More?

Even if you choose surrogacy, IVF is still required to create or use existing embryos. That means:

• You’re already investing in IVF.
• Surrogacy ensures your embryo is placed in the healthiest possible environment.
• You can use embryos created from previous IVF cycles.

Using Existing Embryos in Surrogacy: What Are Your Options?

One of the greatest fears intended parents face when transitioning from IVF is the thought of losing the embryos they worked so hard to create.

If you have frozen embryos from previous cycles, they can be used in your surrogacy journey.

The process of using your existing embryos for a gestational surrogacy journey is straightforward:

1. Coordinate Transfer: Our specialists work with your current fertility clinic (where the embryos are stored) to manage the transfer of the genetic material.
2. Medical Clearance: Once you are matched with a thoroughly screened surrogate, your embryos will be transferred into her uterus during an Embryo Transfer Procedure at a fertility clinic.
3. Maintain Connection: Using your existing embryos is how you maintain a genetic connection to your child while transferring the physical demands of pregnancy to your gestational surrogate.

This option protects your emotional and financial investment and allows you to give the embryos you already created the best chance at resulting in a pregnancy.

How Families Afford Surrogacy After IVF Loss

Many intended parents worry about affording surrogacy, especially after the cost of IVF. You have more options than you might think.

American Surrogacy partners with Sunfish, a leading fertility financing platform that offers flexible loans designed specifically for IVF and surrogacy. You can also manage costs through various other methods, including:

• Personal loans
• Fertility or surrogacy grants
• 401(k) withdrawals or loans
• HSA or FSA funds
• Employer benefits for family-building
• Home equity loans
• Crowdfunding

American Surrogacy’s Financial Protection and Refund Eligibility

You deserve a program built to protect your investment in your family-building journey. At American Surrogacy, we offer:

• Transparent Costs: We break down each fee clearly upfront so you can plan confidently without surprise expenses later.
• Unlimited Matching: Our Limited Risk Program offers unlimited rematch attempts at no extra cost
• Possible Refunds: You may be refunded some fees if your journey ends without embryos left to transfer.

Ready to Take the Next Step After IVF?

If you’ve experienced the emotional and financial toll of failed IVF, you deserve a program built to offer financial safeguards for your path to parenthood.

Learn more about our programs’ financial protection by filling out our online form.

Gestational surrogacy is one of the most effective paths to maximize the successful pregnancy chances of that single, precious embryo.

Working with the right agency is essential, as they provide the complex medical, legal, and logistical support needed to optimize the entire process.

This article will break down your options, how surrogacy maximizes your embryo’s potential, and the next steps to take on your journey.

Ready to maximize your chance of success? Contact a surrogacy specialist today to learn about our services.

Is Surrogacy an Option With Only One Euploid Embryo?

Yes, you can do surrogacy with one embryo at American Surrogacy. Having only one euploid embryo doesn’t disqualify you from working with a surrogate. Many intended parents choose surrogacy specifically because they want to give their embryo the healthiest environment possible.

As you move forward, you’ll work closely with your fertility clinic and surrogacy team to create a plan that gives this embryo the highest possible chance of success.

How Surrogacy Maximizes the Chances of Successful Embryo Implantation

Are you asking yourself, “Should I transfer my embryo or use a surrogate?”

It’s normal to consider every possible path. But with only one euploid embryo, you likely want to choose a family-building option that minimizes risk and gives your embryo the strongest chance to implant.

Gestational surrogates undergo extensive screening before they are approved, including medical examinations, psychological evaluations and lifestyle reviews.

These steps help ensure that surrogates are ready to carry a pregnancy and can provide a supportive uterine environment — an advantage that can be especially important if you only have one good embryo.

Here are the requirements women must meet to become a surrogate:

• Have a proven history of healthy pregnancies
• Be between the ages of 21 and 40, when reproductive health is generally at its peak.
• Meet strict medical criteria, including a full OB-GYN review and clearance from a reproductive endocrinologist
• Maintain healthy lifestyle, confirmed through a detailed review of habits, medical history and overall wellness

Understanding these requirements can help you feel safer using your last embryo in surrogacy.

Is It Worth Doing Surrogacy With One Embryo?

The answer to this question is personal. When you only have one euploid embryo, you may feel like you can’t afford to take risks.

Working with a gestational surrogate helps mitigate many of the biological factors you can’t control. While no option guarantees pregnancy, surrogacy can give your embryo the best chance at implantation.

Is It Harder to Find a Surrogate With Only One Good Embryo?

Sometimes. Some surrogates want to partner with intended parents who have multiple viable embryos in case the first transfer doesn’t work.

But you aren’t stuck if you only have one normal embryo after preimplantation genetic screenings (PGS).

American Surrogacy works with surrogates all across the country, including many who are open to “one-embryo families.”

 When you work with us, we present your profile to surrogates who already understand your situation and are comfortable with a single-embryo plan. You don’t have to search alone — we’ll help you find the right surrogate.

What Happens if the Last Embryo Doesn’t Work?

One euploid embryo can lead to pregnancy. Euploid embryos have strong potential, and many intended parents welcome their baby from a single embryo transfer.

Still, it’s important to acknowledge that a failed transfer is possible.

If the transfer doesn’t work, you won’t be left alone. You’ll have support throughout the entire process — from your clinic, your counselor and your team at American Surrogacy.

Together, you can talk through next steps and move forward with clarity.

Depending on your program, you may also be able to get a partial refund or credit if a transfer is unsuccessful. Your surrogacy specialist can explain what’s available and walk you through the exact details.

What Are Your Options if You Don’t Have Additional Embryos?

If your euploid embryo does not result in pregnancy, you still have several options. Many intended parents explore donor embryos or donor sperm/eggs to create new embryos for surrogacy.

Donor Embryos for Surrogacy

Donor embryos are fully formed embryos created by another individual or couple who chooses to donate them. This can be a meaningful option for:

• Couples or individuals who want to move forward quickly
• Intended parents who cannot or prefer not to undergo additional egg retrieval cycles

Embryo donation programs typically provide detailed medical and genetic histories of the donors, giving you helpful information as you decide.

Donor Eggs and/or Sperm

Your clinic can use your eggs or sperm (if viable) and donor gametes to create embryos for surrogacy. This allows you to maintain a genetic connection to your child.

Double Donor IVF

Double donor IVF uses both donor eggs and donor sperm to create new embryos. This path gives you the chance to select donors based on the characteristics that matter most to you.

This approach is often chosen by:

• Couples who cannot use their own genetic material
• LGBTQ+ couples building their family through surrogacy

Your fertility clinic will support you through choosing donors, creating embryos and preparing for transfer.

Only One Good Embryo?  Let’s Make It Count

Having only one euploid embryo doesn’t mean your journey is over. You still have a powerful chance. If you’re exploring surrogacy, you deserve clear answers and compassionate support.

Take the next step by filling out our form and connecting with a surrogacy specialist.

You’ve been trying, and each failed embryo transfer exacts a crushing emotional and financial toll.

The accumulated costs from procedures, medication, and lost time add up much faster than anyone anticipates.

Fill out our simple form now to learn more about the costs involved in surrogacy and how they contribute to helping you become parents faster.

If you’re asking if it’s time to stop pursuing IVF for a more predictable path, you’re asking the right question. Let’s weigh the costs of continued failure against the stability of surrogacy.

The Real Financial Implications of Multiple Embryo Transfer Failures in IVF

Many Intended Parents who have endured two to three full failed IVF cycles (including retrievals) and multiple frozen transfers realize they have already spent between $75,000 and $150,000.

That is often the lower range of a full surrogacy journey, yet they remain without a baby and without a guarantee of future success.

Know the Starting Investment: The average cost of one full IVF cycle (including egg retrieval, lab work, and necessary medications) typically runs between $15,000 and $30,000. That’s just the starting point.

The core problem is the speed at which costs stack up after that initial investment:

• Repeated transfer attempts: Each individual frozen embryo transfer (FET) runs $3,000 to $7,000, plus required medication protocols and monitoring appointments adding another $3,000 to $5,000 per cycle.
• Multiple egg retrievals: If you need further egg retrievals, add $12,000 to $15,000 for each one, pushing the total past $100,000 much faster than you ever thought possible.

The Financial Trap: Paying for Uncertainty

The most devastating financial implication is this: you are paying enormous sums for a process with decreasing odds of success, and without an ultimate guaranteed outcome.

At this crossroads, the unpredictable and potentially endless cost of continued IVF must be contrasted directly with the predictable, structured investment of surrogacy.

Why IVF May Not Be Working—Even If You Have Healthy Embryos

If your fertility specialist keeps telling you the embryos look perfect after yet another failed transfer, the sense of hopelessness is understandable.

The urge to scream, to understand why something that looks perfect on paper keeps failing—it’s overwhelming.

Embryo quality matters, but it’s not the whole story. Even genetically normal embryos with beautiful development patterns can fail to implant or result in early pregnancy loss for reasons that doctors still can’t always predict or fix.

Why Your Healthy Embryos Keep Failing

• Severe Uterine Issues: Uterine conditions like adenomyosis, advanced endometriosis, or significant fibroids can create an implantation environment where success is nearly impossible.
• Immune System Response: For some, the immune system treats the embryo like a foreign invader. While certain immune factors are treatable, many are not, regardless of aggressive protocols, supplements, or perfect adherence to instructions.
• Maternal Age and Cellular Quality: Maternal age impacts egg quality beyond genetics. Cellular function, metabolic capacity, and the embryo’s ability to develop post-transfer all decline in ways that testing cannot measure or fix.
• Subtle Underlying Conditions: Blood clotting disorders, chronic inflammation, and subtle hormonal imbalances can derail the transfer process. Although these issues are treatable, success is not guaranteed.

When There’s No Answer At All

Sometimes there isn’t a clear explanation for why this keeps happening to you. “Unexplained infertility” is the label doctors use when they can’t figure out why your transfers keep failing.

Without clear answers, you’re left weighing whether to keep trying the same approach or consider alternatives that work around these obstacles entirely.

Should We Try One More Cycle or Move to Surrogacy?

This is probably the hardest decision you’ll face after everything you’ve already been through.

I wish I could tell you there’s one right answer, but there isn’t. However, there are ways to think through your specific situation with clarity instead of just clinging to hope because you’re terrified of giving up.

What You’ve Already Invested

Sit down and add up what you’ve spent on IVF so far. Everything—medications, procedures, genetic testing, all those extra interventions your doctor suggested.

Now compare that to what a complete surrogacy journey costs. A lot of people are genuinely shocked when they realize they’re already halfway to surrogacy costs, but they’re not anywhere near the same chance of actually holding their baby.

Your Medical Reality Check

Has your doctor actually identified something specific and treatable that would improve your next cycle? Or are they suggesting “one more try” without a clear reason why this time would be different from the last three times?

That distinction matters so much more than doctors want to admit.

The Emotional Calculation

Failed transfers take a toll that your bank statements can’t capture. Your mental health is suffering.

Your relationships are strained. If thinking about another failed cycle makes you feel physically sick, that’s real information about where you are emotionally.

Your emotional reserves aren’t infinite, even though you’ve been acting like they are.

IVF vs. Surrogacy: A Cost Comparison After Multiple Failures

One full IVF cycle with egg retrieval: $12,000 to $30,000, depending on your clinic and where you live.

Three cycles—pretty common for people over 35—puts you at $45,000 to $105,000 in cumulative costs.

Failed frozen transfers add up at $3,000 to $7,000 per attempt, plus meds and monitoring. Three of those can hit $20,000 to $35,000 before you even realize it.

Most of us who’ve been through this end up spending $75,000 to $150,000 on IVF over several years without ever achieving a successful pregnancy.

Without ever getting to meet our baby.

What Surrogacy Actually Costs

A complete surrogacy journey through American Surrogacy runs $187,500 to $202,500 using our Limited Risk program.

That includes comprehensive support and a much higher chance of bringing home your baby because of how thoroughly we screen surrogates. Here’s where it gets interesting, though.

The Probability Factor Everyone Ignores

First-time embryo transfers with a carefully screened surrogate? 60-75% chance of working per transfer. Compare that to 20-40% for IVF, depending on your age and other factors.

So let’s say you have a 25% shot per IVF cycle and end up needing four cycles at $25,000 each. Spending $100,000 gets you a cumulative 68% chance of bringing home your baby.

With surrogacy at around $190,000, you’re getting a 70-75% chance per transfer, and many programs guarantee an outcome or refund your money.

Yes, you’re paying more upfront. But you’re buying predictability and odds that are higher than continuing IVF instead of just spending money on hope.

How Surrogacy Can Offer a Predictable Path Forward

After years of unpredictable IVF outcomes, certainty starts to matter as much as anything else.

Maybe even more. Surrogacy lets you use your existing genetically-tested embryos with someone who has proven fertility. That combination changes the probability equation entirely.

How Screening Changes Your Odds

We only work with surrogates who’ve already carried at least one healthy pregnancy to term.

They have proven fertility, excellent health, and have passed comprehensive medical and psychological evaluations. Less than 2% of potential surrogates pass our screening process.

That’s not us being picky for no reason. It translates directly to better outcomes for you.

Instead of hoping this cycle will somehow work despite the same underlying issues that caused all your previous failures, you work with someone whose body has already proven it can carry a pregnancy to term.

Learn more about why screening matters in your family building journey.

Knowing What You’re Paying For

With surrogacy, you know the total cost range upfront. Our Limited Risk program guarantees you’ll bring home a baby or receive a significant refund.

That removes the awful uncertainty of spending $150,000+ on IVF with no promise you’ll ever actually become parents. There’s no more gambling. Just investing in something with real guarantees.

What’s Included in the Cost of Surrogacy (and What’s Not)

When you’re making financial decisions this big, you deserve full transparency about where your money goes.

No surprises. No hidden fees showing up later. Our Limited Risk program runs $187,500 to $202,500. That’s comprehensive—here’s the breakdown of what’s included and what you’ll pay separately.

What the Program Fee Covers

• Finding and vetting your surrogate: Complete screening and qualification—medical, psychological, personal history, everything. We only match you with surrogates who meet strict standards. Plus all the marketing efforts to recruit high-quality candidates in the first place.
• Financial guarantees: Protection through our guaranteed outcome structure. Bringing home a baby or receiving a significant refund is guaranteed. Period.
• All surrogate-related costs: Her base compensation, monthly allowances, all pregnancy-related expenses. Medical coordination and insurance fees, including pregnancy insurance for your surrogate if she needs it.
• Legal protection: All legal fees for contract development and establishing your parentage. No surprise legal bills.
• Full support throughout: Agency support from matching through delivery, available 24/7 when you need us. Complete administrative services and accounting throughout your journey so you’re not managing spreadsheets while trying to become parents.

What You’ll Pay Separately

• Creating or transferring embryos: $3,000 to $7,000 if you’re using existing embryos, or $15,000 to $25,000 if you need to create new ones. Using donor eggs or sperm adds to this cost.
• After birth: The baby’s medical expenses aren’t included—that’s the newborn hospital care after delivery.
• Travel: Travel and lodging for key appointments and the birth itself will be your responsibility. Being there for these moments matters, and those costs are separate.

It’s a substantial investment, yes. But it’s one with a clear endpoint and success rates higher than continuing IVF after you’ve already failed multiple times.

Financing Options After IVF Failure: What You Need to Know

Affording surrogacy is more accessible than you might think right now, especially after you’ve already been pouring money into IVF.

Fertility-Specific Financing

We’ve partnered with Sunfish, a company that specializes in surrogacy loans.

They get the financial dynamics of family-building in a way regular banks don’t, and they offer flexible payment plans designed for people like you who’ve already invested heavily in IVF.

Traditional Financing Routes

Personal loans from banks or credit unions usually beat general consumer credit on interest rates.

Some people use 401(k) loans to borrow against their retirement savings without penalties. This requires serious thought about long-term impacts, obviously. But it’s an option that’s helped a lot of people.

Health Savings Account funds can sometimes cover surrogacy-related medical expenses—check yours to see what applies.

Grants and Alternative Funding

Organizations offer grants and scholarships for family-building, particularly for LGBTQ+ families, cancer survivors, and people with specific medical conditions. They’re competitive, but they exist and they’re worth applying for.

Redirecting Your IVF Budget

Here’s something that clicks for a lot of people: the money you would keep spending on more IVF cycles can be redirected toward surrogacy instead.

You’re essentially converting those ongoing monthly costs into a structured payment toward something with way better odds of actually working. You were going to spend the money anyway.

This way, you’re spending it on something that has a real chance of ending with you holding your baby.

Is Surrogacy the Next Step? Let’s Talk.

You’ve carried the financial implications of multiple embryo transfer failures and the emotional weight long enough.

If you are questioning whether to endure another unpredictable IVF cycle or choose a proven path, we are here to talk.

Reach out to a surrogacy specialist today to get more financial insight into your surrogacy journey.

The smartest choice, financially and emotionally, is the one that finally leads to your baby.