Starbucks is one of the most well-known employers to offer fertility benefits, helping thousands of people build their families.
If your current employer doesn’t offer similar coverage or you need additional assistance, American Surrogacy also provides financing options to help make your journey possible.
Need help getting started? Connect with a surrogacy specialist today to learn how your benefits can support your family-building journey.
This guide breaks down what Starbucks offers, how it compares to other employers, and the financial paths available through both your job and our agency.
Yes — Starbucks Covers Surrogacy Through Fertility Benefits
In 2019, Starbucks expanded its family-building program to include gestational surrogacy support, setting a new standard for employer benefits. This makes Starbucks one of the few major companies to explicitly support surrogacy in its health and fertility plans.
U.S.-based employees become eligible after meeting employment requirements, typically including a minimum tenure and average weekly hours.
If you’re unsure whether your benefits will cover your surrogacy journey, we’re here to help. Learn more about how you can afford surrogacy, regardless of your income.
Does Starbucks Cover Surrogacy for Part-Time Employees?
Yes, and that’s part of what makes Starbucks unique. Part-time employees who work at least 20 hours per week and meet a minimum employment period are eligible for the same fertility benefits as full-time workers.
This inclusive policy makes it easier for intended parents with flexible or nontraditional work schedules to move forward in building their families.
What’s Included in Starbucks’ Fertility Benefits?
Starbucks offers a wide range of fertility services to support many paths to parenthood, including:
- IVF (in vitro fertilization)
- Gestational surrogacy
- Egg or sperm donation
- IUI (intrauterine insemination)
- Fertility preservation (egg and sperm freezing)
These benefits are administered through third-party partners (typically Carrot) and include a lifetime maximum fertility benefit of $40,000 per employee.
This kind of coverage helps offset the high upfront costs of surrogacy and makes the journey more accessible for many families.
How Much Does Surrogacy Cost — and How Much Can Starbucks Cover?
Surrogacy costs can range from $100,000 - $200,000+, depending on location, legal requirements, and surrogate compensation. Starbucks’ $40,000 lifetime benefit can significantly reduce these costs.
When paired with expert guidance from your surrogacy agency, these benefits could help you move forward faster — and with greater peace of mind.
Between your Starbucks benefit and our agency’s financing programs, surrogacy could be more affordable than you think. Learn more about why surrogacy financing is worth it.
How to Use Starbucks’ Surrogacy Benefits at Work
If you’re a Starbucks employee ready to take the next step, here’s how to access your surrogacy benefits:
- Talk with HR – Confirm eligibility requirements and request your plan documents.
- Connect with a fertility provider – Starbucks often partners with Carrot, which helps coordinate services.
- Work with a surrogacy agency – Choose an agency familiar with employer-backed benefits. They’ll guide you through reimbursement, clinic coordination, legal support, and more.
Need help getting started? Talk to a surrogacy specialist who can help you apply your benefits.
What Companies Offer Surrogacy Benefits, and How Does Starbucks Compare?
Starbucks stands out for offering fertility and surrogacy benefits to both full-time and part-time employees. Here’s how it compares to other family-building-friendly companies:
- Amazon – Fertility benefits for full-time and some part-time roles
- Google – Comprehensive family-building support
- Meta – Fertility, adoption, and surrogacy assistance
- Microsoft – Fertility coverage and support services
- Johnson & Johnson – Adoption and surrogacy aid
Understanding how your employer stacks up can help you plan more effectively — and avoid unnecessary financial stress.
Why Employer Surrogacy Benefits Matter to Intended Parents
Employer surrogacy coverage provides financial relief and emotional peace of mind. These benefits help reduce costs that range from $100,000 - $200,000+, allowing families to move forward with confidence.
This kind of support is especially meaningful for:
- LGBTQ+ couples who may require both egg or sperm donation and a gestational carrier
- Single parents growing their family on their own
- Couples with medical complications that make pregnancy unsafe or impossible
If your job includes this kind of benefit, you may be closer to parenthood than you think. And if it doesn’t, there are still ways forward.
What If My Employer Doesn’t Cover Surrogacy?
Even if your employer doesn’t offer surrogacy benefits, you still have options to make this journey affordable. Many hopeful parents explore:
- Fertility grants offered by nonprofits
- Surrogacy financing or loans tailored for family-building
- Health savings accounts
- Home equity lines of credit
- Crowdfunding or support from family and friends
If you’re not covered through work, don’t worry — there are other options. Learn more about your financing options and how we offer flexible surrogacy financing to help bridge the gap.
Why American Surrogacy is a Great Partner for Starbucks Employees
American Surrogacy has experience working with intended parents using employer-provided fertility benefits, including those from Starbucks.
We can help you:
- Understand and apply your benefit plan
- Coordinate with Carrot and your clinic
- Navigate legal, financial, and logistical steps
With the right support team, your path to parenthood can begin today.
Ready to Use Your Starbucks Benefits for Surrogacy?
Your job might already be giving you the tools to build your family. If you qualify for fertility coverage through Starbucks or another employer, now is a great time to explore your options.
The right surrogacy agency can help you understand your benefits. Fill out our form to connect with a surrogacy specialist and start your journey today.