Category: Intended Parents

Whether you are thinking about adding to your family through surrogacy or have already started this amazing family-building journey, these articles are for you.

Are There Surrogacy Programs Offering Payment Plans or Financing?

Learn how surrogacy programs with financing options make family building affordable through payment plans, loans and employer benefits.

Today, more families than ever are turning to a surrogacy program that offers financing, combining flexible agency payment plans, fertility-specific loans, grants and employer benefits to make the process manageable.

That’s why we partner with Sunfish, a trusted fertility financing platform, to provide payment solutions designed specifically for the unique timeline of surrogacy.

Fill out our contact form today to get personalized financing options and take the first step toward your surrogacy journey with confidence.

Are There Surrogacy Programs Offering Payment Plans or Financing?

Yes — many intended parents begin their journey through a surrogacy program that offers financing, making the process more manageable without paying the full cost upfront.

Surrogacy is a significant investment, often ranging from $100,000 - $200,000+ depending on medical, legal and agency fees. Fortunately, financing options allow you to:

  • Start with a smaller initial payment
  • Spread costs over 12–84 months
  • Preserve savings while building your family
  • Use employer benefits or tax advantages

Below, we’ll break down how different financing solutions work, what American Surrogacy offers, and how to build a realistic budget.

Learn more about how you can get closer to parenthood with financing through Sunfish.

Agency-Offered Financing: What to Expect

Many intended parents want to know if there’s a surrogacy program that offers financing directly through agencies. The answer is yes.

Reputable agencies understand affordability concerns and often partner with financing companies focused on fertility.

At American Surrogacy, we’ve partnered with Sunfish to make financing more accessible:

  • Streamlined approval that aligns with your surrogacy timeline
  • Fertility-focused loan terms designed for treatment milestones
  • Transparent payment schedules so you know exactly what costs are covered

Through Sunfish, families typically access loans that translate to $500–$2,000 per month, depending on loan size and term length.

Our Surrogacy Program Options That Pair With Financing

Choosing the right surrogacy program that offers financing means finding a balance between flexibility and financial security. American Surrogacy offers two core options that can be paired with Sunfish financing:

  • Foundation Program – Lower upfront cost with a pay-as-you-go fee structure. If your first transfer succeeds, total expenses may stay lower, but costs can rise if rematching or multiple transfers are needed.
  • Limited Risk Program– Higher overall cost but includes financial protections for screening, matching and refunds if your journey faces disruptions. This program offers more budget security and peace of mind.
  • Independent Program:– If you already have a surrogate in mind, you can complete the rest of your journey through us with free initial screening.

By pairing these programs with Sunfish financing, many families can begin with 10–20% down and manageable monthly payments.

Learn more about our comprehensive surrogacy programs.

Other Financing Solutions Beyond Agency Programs

A surrogacy program that offers financing is just one part of the picture. Families often combine multiple funding sources, such as:

Fertility-Specific Loans

  • Offered by lenders like Sunfish and Future Family
  • Loan amounts up to $200,000
  • Terms from 12–84 months, with fixed interest rates (6–24%)
  • No prepayment penalties

Personal Loans

  • Available through banks or credit unions
  • May have shorter terms and higher interest rates than fertility loans

Grants

Competitive but valuable options, such as:

Employer Benefits

Many large companies and startups now cover surrogacy within fertility benefit packages. Some insurance plans also offer partial surrogacy coverage.

Pros and Cons of Financing Surrogacy

Like any financial decision, choosing a surrogacy program that offers financing has trade-offs.

Advantages:

  • Start sooner without years of saving
  • Keep emergency savings intact
  • Fixed, predictable monthly payments
  • Potential tax benefits

Considerations:

  • Interest increases total costs
  • Strong credit helps secure better rates
  • Monthly obligations remain regardless of delays

Example: A $100,000 journey financed at 12% over 5 years equals $2,220 per month and $133,200 total — about $33,200 in interest. For many families, the ability to start parenthood sooner outweighs this added cost.

Learn more about why surrogacy financing is worth it.

Budgeting for a Financed Surrogacy Journey

A smart budget is essential when choosing a surrogacy program that offers financing. Key strategies include:

  • Work with Transparent Agencies: American Surrogacy provides detailed cost breakdowns upfront.
  • Plan for Unexpected Costs: IVF cycles, legal delays, or travel.
  • Use Budgeting Tools: Apps like Mint or YNAB to track expenses.
  • Consider Household Impact: Future childcare costs, savings goals, and income changes.

Most journeys follow a timeline of:

  • Agency fees and legal costs (months 1–2)
  • Surrogate compensation (throughout pregnancy)
  • Medical expenses (as they occur)
  • Final delivery payments

Take the Next Step With American Surrogacy

A surrogacy program that offers financing ensures you don’t need $100,000+ in savings to start your journey. Financing makes parenthood achievable today — not years from now.

Don’t let cost concerns delay your dream of becoming a parent.

Contact American Surrogacy to explore financing options tailored to your budget and learn how our Sunfish partnership can help you take the first step.

How Much is Surrogacy if You Use a Friend?

Surrogacy with a friend can cost $100,000+ due to variable expenses. Discover mandatory expenses, hidden risks and relationship considerations.

Many intended parents considering surrogacy see asking a friend to be their surrogate as the perfect solution—built-in trust, personal connection, and potential cost savings.

But here’s what most people don’t realize: Many relationships that seem perfect for surrogacy face unexpected challenges that professional arrangements typically avoid.

Ready to explore all your options? Understanding the real costs and considerations helps you make the best choice for your family. Contact us today to learn more about our independent surrogacy program and matching programs.

How Much Does Surrogacy Cost with a Friend as Your Surrogate?

While surrogacy may be slightly cheaper if you already have a surrogate lined up, the  cost of surrogacy  for most journeys is typically around $100,000+ due to variable expenses.

Here are a couple of factors that may affect the cost of surrogacy with a friend as your surrogate:

  • Location: For example, California and New York costs run 20-30% higher than national averages. The cost will generally depend on the cost of living where your friend resides.
  • Agency choice: Full-service agencies charge $25,000+, while consultation-only services cost $5,000 to $15,000. Not using an agency may seem cheaper but often costs more when problems arise.
  • Experience: Your friend’s surrogacy experience influences costs. First-time surrogates need more extensive screening, adding $2,000 to $5,000. Experienced surrogates often reduce coordination costs and medical complications.

If you have concerns about affording surrogacy, learn more about why financing your surrogacy journey could be worth it to have the family you’ve been longing for.

Agency Support for Identified Surrogacy Journeys

At American Surrogacy, we offer an Independent Surrogacy Program for intended parents working with friends as surrogates, managing both emotional and financial aspects of your journey.

  • Initial screening: Free
  • In-depth screening for unlimited surrogates: $12,000+ (one-time fee)
  • Support and education: $12,000-$25,000+

All-in-all, you can expect to pay $24,000+

Learn more about our Independent Surrogacy Program.

If you decide not to use your friend as a surrogate, American Surrogacy offers two programs designed to match you with a pre-screened surrogate in an average of 1 - 4 months.

Variable Costs that Affect Every Surrogacy Journey

There are variable costs with every surrogacy journey, whether or not you know your surrogate beforehand or find one through an agency. These requirements cannot be reduced simply because you know your surrogate.

  • IVF costs
  • Medical screening for your friend
  • Base compensation
  • Maternity clothing, travel/lodging and lost wages
  • Life and health insurance
  • Legal fees
  • Out-of-pocket prenatal, delivery and newborn expenses

Variable costs can total around $100,000+ in any surrogacy journey, even if you use your friend as your surrogate.

Can Your Friendship Handle a Surrogacy Journey?

Consider whether you can discuss intimate medical details comfortably and if your friend will communicate honestly about her needs without fear of damaging the relationship.

Financial discussions that feel natural professionally often become awkward between friends, potentially leading to unspoken resentments about the cost of surrogacy with a friend as your surrogate.

Professional surrogates understand appropriate boundaries. Friends may struggle navigating the shift from personal to professional arrangement, especially involving money and medical decisions.

Surrogacy involves intimate aspects of your friend’s life for over a year, from medical appointments to daily health decisions—a level of involvement that can overwhelm both parties.

How to Approach a Friend About Surrogacy

This conversation will fundamentally change your relationship regardless of her response. Research surrogacy thoroughly first, understanding the physical, emotional, and legal commitments involved.

Choose a private setting

Explain your fertility journey, outline what surrogacy involves (time, procedures, risks), and discuss the cost of surrogacy with a friend as your surrogate openly.

Be clear about expense coverage even if she offers to waive compensation.

Give her time to consider without pressure

Allow discussion with her partner and be prepared for any response, including “no.” Pressuring a friend risks permanently damaging your relationship.

Do You Still Need to Work with an Agency if You Know Your Surrogate?

Yes. Personal relationships often make professional oversight more important when managing the cost of surrogacy with a friend as your surrogate.

Both parties need independent legal representation regardless of trust levels. Contracts must address scenarios friends prefer not to discuss, including medical emergencies and financial responsibilities.

Professional coordination ensures proper medical protocols, prevents financial misunderstandings, and provides clear documentation for tax purposes.

Most people don’t understand insurance requirements—agencies ensure proper coverage and help navigate complex situations.

Personal relationships complicate decision-making during stress. Professional support provides objective guidance when emotions run high, preserving friendships while meeting surrogacy goals.

Risks of Skipping Professional Support

Going without agency support when using a friend as your surrogate creates expensive risks and relationship problems.

  • Legal problems represent the biggest danger. Without proper contracts, disputes over medical decisions or complications can result in costly court battles and custody issues.
  • Medical coordination often fails in independent arrangements. Missing screenings or poor provider communication can cause denied insurance claims and emergency costs.
  • Financial misunderstandings commonly occur without oversight. Unclear expense agreements can strain friendships and create unexpected costs. Tax issues often go unaddressed, creating audit risks.
  • Insurance gaps pose major risks. Families often discover coverage exclusions during pregnancy, resulting in out-of-pocket costs from $15,000 to $50,000+ for complications.

Get Professional Guidance for Your Friend Surrogacy Journey

Understanding the true cost of surrogacy with a friend as your surrogate requires professional guidance tailored to your situation.

At American Surrogacy, we’ve helped countless intended parents navigate successful friend surrogacy journeys.

Contact American Surrogacy today to create a plan that protects everyone while maximizing your success chances.

Our experience helps you understand realistic expectations, avoid common pitfalls and protect both your family-building goals and friendship.


How Do I Choose an Agency That Manages Surrogate Background Checks and Screenings?

How do you trust a surrogacy agency? Comprehensive screening includes medical records, psych evals and clinical approval before matching.

The agency surrogate screening process determines whether your surrogacy journey succeeds or fails—making it the most critical factor when choosing a surrogacy agency.

A reputable agency conducts multi-layered evaluations before any match is finalized—preventing costly delays and failed matches that can derail your path to parenthood.

With comprehensive screening, you can be matched with a fully vetted surrogate in an average of 1 - 4 months and avoid the costly delays that come from inadequate background checks. Get started with professional screening today

What Should Be Included in Comprehensive Surrogate Screening?

A thorough agency surrogate screening process should examine every aspect of a candidate’s readiness to carry your child. High-quality agencies conduct multi-layered evaluations that go far beyond basic eligibility requirements.

Social and Medical History Review

Professional agencies conduct comprehensive social and medical history evaluations that include previous pregnancies, complications, current health status, and family medical background.

This review examines the candidate’s lifestyle, support systems and social circumstances alongside their medical history to ensure overall suitability for surrogacy.

Medical Record Review and Analysis

Reputable agencies perform detailed medical record reviews that analyze documentation from all prior births, current health assessments, and any potential risk factors.

This comprehensive record analysis helps identify medical considerations that could impact pregnancy success or safety.

Psychological Screening and Evaluation

Licensed reproductive psychologists conduct comprehensive psychological screenings to determine emotional stability, motivation for surrogacy, and ability to handle the psychological demands of carrying another family’s child.

These evaluations assess the candidate’s mental health, support systems and understanding of the emotional aspects of surrogacy.

Clinical Approval and Physical Evaluation

After initial screening approval, quality agency surrogate screening includes clinic approval processes where reproductive specialists review the candidate’s suitability.

If the clinic approves the surrogate, she undergoes a comprehensive physical evaluation before the match is finalized.

This final step ensures everything is medically sound and prevents failed matches by identifying any last-minute concerns before the matching process is completed.

Learn how our surrogate screening process help you avoid failed matches and costly delays.

How Quality Screening Accelerates Your Path to Parenthood

Professional agency surrogate screening practices don’t just protect you—they actually expedite your journey to parenthood by ensuring every woman you’re matched with is highly qualified and ready to proceed.

Avoiding Failed Matches

When agencies conduct comprehensive pre-screening, you avoid the time and emotional cost of failed matches.

Instead of spending months getting to know a potential surrogate only to discover disqualifying factors, you can be confident that anyone presented to you has already passed rigorous evaluation standards.

Streamlined Matching Process

Quality screening ensures you are quickly matched with a surrogate, with a lower risk of delays.

When surrogates have been properly vetted for medical history, psychological readiness, the transition from initial introduction to confirmed match proceeds more smoothly and efficiently without unexpected complications.

Red Flags in Agency Screening Practices

When evaluating “how thorough are surrogate background checks?” at different agencies, certain warning signs should make you look elsewhere for your surrogacy needs.

Rushed or Inadequate Screening Procedures

Be cautious of agencies that move candidates through screening processes very quickly or can’t provide detailed information about their evaluation procedures.

Quality agency surrogate screening takes time and involves multiple professional assessment steps.

Lack of Professional Partnerships

Agencies that don’t work with licensed psychologists, medical professionals, or qualified experts for screening may be cutting corners that could compromise your safety and success.

Professional screening requires specialized expertise.

Limited Transparency About Screening Standards

If an agency is vague about their screening procedures or unwilling to explain their standards and processes, this lack of transparency should concern you.

Professional agencies should readily discuss their comprehensive screening methodologies.

Benefits of Working With a Full-Service Agency for Screening

The question “should I use an agency or go independent?” becomes clear when you understand the comprehensive protection that full-service agencies provide through professional surrogate screening and ongoing support.

Expert Professional Networks

Established agencies maintain partnerships with licensed medical and psychological professionals who specialize in reproductive health and surrogacy.

This means your surrogate has been evaluated by experts who understand the unique demands of carrying another family’s child.

Team-Based Review Processes

Professional agencies use collaborative approaches where multiple experienced professionals review every surrogate candidate, bringing different perspectives and expertise to the evaluation process.

This reduces the risk of overlooking important factors that could impact your journey.

Comprehensive Program Oversight

Full-service agencies maintain ongoing relationships with surrogates throughout their time in the program, providing continued support and monitoring that independent arrangements cannot match.

This ongoing oversight helps identify and address issues before they impact your journey.

If you do have your own surrogate, you complete your surrogacy journey with agency support, including screening. Learn more about our independent program.

How to Evaluate an Agency’s Screening Standards

When choosing an agency, ask specific questions about their agency surrogate screening process to ensure they meet professional standards that protect your interests.

Questions About Screening Procedures

Ask agencies to explain their screening timeline, professional partnerships, and specific evaluation criteria.

Professional agencies should readily provide detailed information about their comprehensive screening methodologies and be able to explain how each component protects your interests.

Documentation and Transparency Requirements

Request information about screening documentation, ongoing monitoring procedures, and how screening results are communicated to intended parents. Quality agencies maintain transparent processes and comprehensive records.

Ready to Work With a Trusted Surrogacy Agency?

At American Surrogacy, we’ve built our reputation on the foundation of thorough, professional agency surrogate screening processes that ensure every surrogate in our program meets the highest standards for health, stability and commitment.

Contact a surrogacy specialist today to learn more about our comprehensive screening procedures and discover how our commitment to quality vetting can accelerate your journey while providing the peace of mind you deserve.

Your family’s future is too important to trust to anything less than the most thorough and professional screening standards in the industry.

How to Prevent OHSS After Egg Retrieval for IVF and Surrogacy

Prevent OHSS after egg retrieval with proven strategies: hydration guidelines, warning signs, and choosing the right fertility clinic.

You can significantly reduce your risk of ovarian hyperstimulation syndrome (OHSS) through proven prevention strategies, proper hydration and working with experienced fertility clinics that use modern protocols.

With these precautions, most patients undergo egg retrieval safely without serious complications.

American Surrogacy can help you find fertility specialists who prioritize OHSS prevention while maintaining excellent success rates for your family-building journey. Contact us today.

Understanding OHSS prevention empowers you to make informed decisions, recognize early warning signs and work effectively with your medical team throughout the egg retrieval process.

What is OHSS and Why It Matters for Your Surrogacy Journey

OHSS occurs when the ovaries become overstimulated by fertility medications, causing them to swell and leak fluid into the abdomen and sometimes the chest cavity.

This condition can range from mild discomfort to serious medical complications requiring hospitalization.

When you’re working with fertility medications to stimulate egg production, your ovaries can sometimes respond too enthusiastically, leading to swelling, fluid retention and other concerning symptoms.

The good news is that modern fertility medicine has developed highly effective strategies to minimize this risk while maintaining excellent success rates.W

Learn more about the medications involved in ovarian stimulation and egg retrieval preparation.

OHSS Risk Factors You Should Know About

Understanding your personal risk factors helps you and your medical team creates the most effective prevention strategy.

  • Higher risk factors include:
  • Women under 35 years old
  • Polycystic ovary syndrome (PCOS) diagnosis
  • High estradiol levels during stimulation
  • Large numbers of developing follicles (typically over 20)
  • Previous history of OHSS
  • Lean body mass or low BMI

The emotional impact: Beyond physical symptoms, OHSS can create anxiety and stress during an already emotionally challenging process. Understanding prevention strategies helps you feel more confident and in control of your journey.

Medical Prevention Strategies Your Doctor May Use

Your fertility specialist has multiple tools to prevent OHSS while maintaining treatment effectiveness.

  • Medication protocol adjustments: Your doctor may use lower doses of stimulation medications, switch to different drug combinations, or use GnRH antagonist protocols that reduce OHSS risk compared to traditional approaches.
  • Trigger shot modifications: Instead of using hCG to trigger final egg maturation, many clinics now use GnRH agonist triggers, which significantly reduce OHSS risk while maintaining good egg quality.
  • Coasting technique: If estradiol levels become too high, your doctor may temporarily stop stimulation medications while continuing monitoring, allowing hormone levels to decrease before proceeding with egg retrieval.

How much water should I drink after egg retrieval to prevent OHSS?

Proper hydration plays a vital role in preventing OHSS after egg retrieval and is something you can actively control.

Optimal hydration guidelines:

  • Drink 2-3 liters (8-12 cups) of fluid daily following your procedure
  • Start increasing fluid intake immediately after egg retrieval
  • Focus on water, but electrolyte drinks can also be beneficial
  • Monitor your urine color – it should be light yellow
  • Continue increased hydration for at least one week post-retrieval

Adequate fluid intake helps your kidneys process fertility medications more efficiently and reduces the concentration of hormones that can trigger OHSS.

Proper hydration also helps maintain healthy blood pressure and reduces the risk of blood clots.

Activities and Foods to Avoid After Egg Retrieval

Certain activities and substances can increase your OHSS risk or worsen existing symptoms.

Activities to avoid for one week:

  • Intense exercise or heavy lifting
  • Sexual intercourse until cleared by your doctor
  • Hot baths, saunas, or hot tubs that cause dehydration
  • Long periods of immobility that increase blood clot risk

Dietary modifications:

  • Limit sodium intake, which can worsen fluid retention
  • Avoid alcohol, which interferes with recovery and hydration
  • Reduce caffeine consumption to prevent dehydration
  • Skip gas-producing foods that worsen abdominal discomfort

Medications requiring medical approval:

  • NSAIDs (ibuprofen, naproxen) may affect kidney function
  • Any new medications should be approved by your fertility team

Learn more about what you can expect during your egg retrieval recovery.

Recognizing OHSS Symptoms: When to Contact Your Clinic

Early recognition of OHSS symptoms allows for prompt treatment and can prevent progression to severe complications.

Mild OHSS symptoms:

  • Abdominal bloating and discomfort
  • Mild nausea
  • Weight gain of 2-5 pounds
  • Mild pelvic or abdominal pain
  • Moderate OHSS symptoms:
  • Increased abdominal pain and bloating
  • Nausea and vomiting
  • Weight gain of 5-10 pounds over 3-5 days
  • Difficulty eating normal amounts

Severe OHSS – seek immediate medical attention:

  • Severe abdominal pain and significant bloating
  • Persistent nausea and vomiting preventing fluid intake
  • Weight gain of more than 10 pounds
  • Difficulty breathing or shortness of breath
  • Decreased urination despite adequate fluid intake
  • Dizziness, fainting, chest pain, or rapid heartbeat

Understanding OHSS Timing and Triggers

Knowing when OHSS is most likely to occur helps you stay vigilant during critical periods.

Early OHSS (3-7 days post-retrieval): Related to stimulation medications and fertility drugs still circulating in your system. This type responds well to supportive care and hydration.

Late OHSS (10-14 days post-retrieval): Usually triggered by pregnancy hormones if conception occurs. This is why freeze-all cycles are often recommended for high-risk patients.

The role of pregnancy: If pregnancy occurs after egg retrieval, the resulting hCG production can worsen existing OHSS or trigger late-onset symptoms. Your clinic will monitor you closely if fresh embryo transfer is planned.

How OHSS Could Affect Your Surrogacy Timeline

While OHSS prevention strategies are highly effective, understanding potential impacts helps you plan realistically.

Most cycles proceed normally: The vast majority of egg retrieval cycles proceed without significant OHSS, especially when working with experienced clinics that use modern prevention protocols.

Potential timeline adjustments:

  • Prevention strategies like coasting may add 2-3 days to stimulation
  • Freeze-all approaches typically delay embryo transfer by 1-2 months
  • Recovery from mild OHSS usually takes one week
  • Moderate cases may require 2-3 weeks of careful monitoring

Future cycle planning: If OHSS occurs, your clinic will adjust protocols for future attempts to minimize recurrence risk while maintaining effectiveness. This experience helps create an even safer approach for subsequent cycles.

Learn more about what to expect after egg retrieval and how proper planning supports your journey.

How American Surrogacy Can Help You Find the Right Fertility Clinic

Even with excellent prevention strategies, having comprehensive support systems ensures everyone receives appropriate care if complications arise.

  • Clinic selection guidance: American Surrogacy helps you identify fertility clinics with strong OHSS prevention protocols and low complication rates in your area.
  • Coordination assistance: We help facilitate clear communication between you, your fertility clinic, and any
  • Journey continuity: Even if OHSS causes temporary delays, our support systems help maintain momentum toward parenthood once recovery is complete.

Choosing the Right Fertility Clinic for OHSS Prevention

Not all fertility clinics have equal expertise in OHSS prevention.

Questions to ask potential clinics:

  • What is your OHSS rate compared to national averages?
  • How do you modify protocols for high-risk patients?
  • What trigger options do you offer beyond traditional hCG?
  • How quickly can you adjust medications based on monitoring results?
  • What after-hours support do you provide for complications?

Moving Forward Safely with Confidence

Understanding OHSS prevention empowers you to work with experienced professionals who prioritize safety while maintaining excellent success rates.

American Surrogacy helps you find experienced fertility clinics that prioritize safety, and once your embryos are ready, we can match you quickly with a qualified surrogate.

Start building your family with the right medical team and surrogate support – reach out today.

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Are There Surrogacy Programs that Offer Financial Protection for Intended Parents?

Worried about losing your surrogacy investment? Discover protection programs that cover failed matches, journey setbacks & unexpected costs.

You’ve already invested so much—emotionally, physically and financially—in your journey to parenthood.

Now you’re considering surrogacy, but one question keeps you awake at night: “What happens to my investment if something goes wrong?”

Here’s what you need to know: reputable agencies like American Surrogacy have developed comprehensive financial protection programs specifically to address these concerns and safeguard your investment.

Protect Your Investment Today: Fill out our simple form to learn how our Limited Risk Program shields your finances.

Follow us on Instagram for surrogacy guidance and support throughout your journey.

Do Surrogacy Programs Offer Financial Protection?

Yes, established surrogacy agencies typically offer various forms of financial protection to intended parents.

These programs recognize that surrogacy involves inherent uncertainties—from failed matches to unsuccessful transfers and provide safety nets to protect your investment.

However, not all agencies offer the same level of protection, which is why understanding your options, is vital before making this life-changing commitment.

At American Surrogacy, we’ve developed protection programs specifically because we understand that your journey to parenthood is too important to leave to chance.

Types of Surrogacy Financial Protection Programs

The surrogacy industry has evolved to offer several types of financial protection programs, each designed to address different scenarios that might arise during your journey:

Money-Back Guarantee Programs

Full or partial refund programs offer refunds if certain milestones aren’t reached, such as failure to find a suitable match within a specified timeframe or unsuccessful completion of the surrogacy process.

These programs typically have specific conditions and timelines that determine eligibility for refunds.

Unlimited Matching Programs

These programs ensure that if your first surrogate match doesn’t work out, the agency will continue matching you with suitable candidates at no additional cost.

This addresses one of the most common anxieties intended parents face: escalating costs due to failed matches.

Multiple Transfers Coverage

Some programs include coverage for multiple embryo transfer attempts without additional fees, recognizing that success may not come on the first try.

This protection can save thousands of dollars if multiple transfer cycles are needed.

Comprehensive Risk-Sharing Programs

These combine multiple protections into a single package, often including unlimited matching, multiple transfer attempts, and partial refunds under specific circumstances.

American Surrogacy’s Limited Risk Program exemplifies this approach, providing comprehensive protection that addresses the most common scenarios that could derail a surrogacy journey.

Curious about comprehensive coverage? Learn more about our Limited Risk Program and how it protects against multiple failure points.

How Escrow Protection Safeguards Your Investment

Understanding how your funds are managed during the surrogacy process is essential for peace of mind. In professional surrogacy arrangements, your money doesn’t simply disappear into an agency’s general account.

Instead, it’s carefully managed through escrow services that act as neutral third parties.

How Escrow Works in Surrogacy

Escrow protection in surrogacy operates through a milestone-based system:

  • Initial Program Fees: Your program fees are held in escrow until specific services are rendered or milestones are reached
  • Surrogate Compensation: Monthly payments to your surrogate are held in escrow and released according to the predetermined schedule
  • Medical and Legal Expenses: Funds for procedures, legal fees, and other expenses are held securely and released only when services are provided

This system ensures that your funds remain protected throughout the process and aren’t vulnerable to mismanagement or agency financial difficulties.

How American Surrogacy Stepped Up to the Plate During the SEAM Escrow Breach

The surrogacy industry faced a significant test when SEAM, a major third-party escrow company serving multiple surrogacy agencies, experienced a security breach that put client funds at risk.

During the SEAM escrow breach, American Surrogacy demonstrated exceptional commitment to client protection by reimbursing affected intended parents for their lost funds.

To our knowledge, no other agencies were able to provide the same level of financial protection to their clients during this crisis.

This response was possible because of our decades of experience successfully managing clients’ funds and maintaining strong financial reserves.

The experience reinforced our commitment to offering clients choice and security in their financial arrangements, including both in-house escrow management and third-party escrow options.

Understanding Payment Structure Options: Fixed-Fee vs. Pay-As-You-Go

The payment structure you choose significantly impacts your financial risk throughout the surrogacy process. Each approach has distinct advantages and considerations for intended parents.

Pay-As-You-Go Models

Pay-as-you-go models offer lower upfront costs and may seem more budget-friendly initially. You pay for services as they’re needed, which can help with cash flow management.

However, this approach can expose you to additional costs if complications arise, such as needing to rematch with a new surrogate or requiring additional embryo transfer cycles.

Fixed-Fee Programs

Fixed-fee programs require higher upfront investment but provide greater predictability and often include built-in protections.

These programs typically bundle services together, often including protections like unlimited matching or multiple transfer attempts without additional fees.

At American Surrogacy, we recognize that different families have different needs and financial situations.

That’s why we offer both à la carte options for those who prefer to budget for specific services and our comprehensive Limited Risk Program with built-in financial protections.

Not sure which payment structure works best for you? Compare our à la carte and risk-sharing options to find your ideal fit.

What Happens Financially If a Journey Fails?

While rare, not every surrogacy journey results in a successful birth, and understanding what happens to your investment in these scenarios is vital for making informed decisions.

The financial implications of a failed journey depend largely on the type of program you choose and at what point the journey ends:

  • Failed Matching: If you can’t find a suitable surrogate match, some agencies offer full or partial refunds of program fees, while others provide unlimited matching services until a suitable candidate is found.
  • Contract Termination: If a surrogate withdraws after contract signing but before medical procedures begin, you may be responsible for any compensation already paid, but program fees might be refundable or applicable to a new match.
  • Medical Complications: If the journey ends due to medical complications or failed transfers, the financial outcome depends on your program’s specific protections and how far into the process you’ve progressed.
  • No Viable Embryos: If you run out of viable embryos without achieving pregnancy, some programs offer partial refunds or credit toward future cycles.

High-quality financial protection programs address these scenarios with clear policies and, in many cases, built-in protections that minimize your losses while maximizing your chances of ultimately achieving success.

Do I Lose Money if the Surrogate Backs Out?

With a comprehensive financial protection program, surrogate withdrawal doesn’t have to mean significant financial loss.

Programs like our Limited Risk Program include unlimited matching services, meaning that if your surrogate backs out at any stage before achieving pregnancy, you won’t pay additional fees to find a replacement.

However, the timing of the withdrawal affects the overall financial impact. If a surrogate withdraws after receiving compensation payments, those funds typically cannot be recovered.

This is why working with agencies that have thorough screening processes and strong surrogate support systems is essential—they reduce the likelihood of unexpected withdrawals.

Essential Questions to Ask Before Choosing a Surrogacy Program

Before committing to any surrogacy program, protect yourself by asking these essential financial questions:

About Refund Policies

  • Under what circumstances are program fees refundable?
  • What percentage of fees can be refunded at different stages of the process?
  • How long do I have to request a refund if we decide to discontinue our journey?

About Matching and Re-matching

  • How many matches are included in my program fee?
  • What happens financially if our first surrogate match doesn’t work out?
  • Are there additional costs for finding a replacement surrogate?

About Escrow and Fund Management

  • How are my funds protected during the process?
  • Who manages the escrow account, and what are their credentials?
  • What happens to my money if the agency experiences financial difficulties?

About Additional Costs and Coverage

  • What services are included in my program fee versus what costs extra?
  • What are the potential additional costs I should budget for?
  • Are there caps on certain expenses, such as surrogate medical costs?

About Journey Completion and Guarantees

  • What happens to my investment if no pregnancy is achieved?
  • Are there guarantees or protections if we exhaust our embryos without success?
  • What financial support is available if we need to start over with a new surrogate?

About Payment Options

  • Can I choose between fixed-fee and pay-as-you-go options?
  • What are the advantages and risks of each payment structure?
  • Are financing options available to help manage the financial commitment?

Why American Surrogacy’s Financial Protection Stands Apart

At American Surrogacy, we’ve spent decades perfecting our financial protection programs because we understand that your journey to parenthood is too important to leave to chance.

Our approach differs from other agencies in several key ways:

  • Proven Crisis Response: Our handling of the SEAM breach demonstrated our commitment to protecting clients even in unprecedented circumstances
  • Flexible Escrow Options: We offer both in-house and third-party escrow management, giving you control over your fund protection
  • Comprehensive Coverage: Our Limited Risk Program includes unlimited matching and re-matching services
  • Transparent Policies: Clear, upfront communication about all costs and protections

Ready to Protect Your Path to Parenthood?

With the right protection programs and a reputable agency partner, you can move forward with confidence, knowing your investment is safeguarded.

Contact American Surrogacy today to learn more about our financial protection programs and discover how we can help secure your path to parenthood.

Your family’s future deserves nothing less than comprehensive protection and experienced guidance every step of the way.

Webinar: “Surrogacy Costs Without Surprises – Budgeting for Parenthood”

Most surrogacy agencies give you broad ranges for costs or hide the real numbers, leaving you more confused than when you started.

Here’s what they won’t tell you: The cost of surrogacy isn’t just about the money – it’s about the value and quality of service you receive. Not all agencies deliver the same results for your investment.

In our upcoming webinar, we break down how to evaluate what you’re actually getting for your money and the hidden costs other agencies don’t mention upfront.

Reserve your spot today to get the full picture of surrogacy finances.

Breaking the Silence on Surrogacy Costs: What Every Family Should Know

Surrogacy costs range from $100,000-$250,000+, depending on which agency you choose and how smoothly your journey progresses.

Here’s what many don’t realize: The agency isn’t the biggest expense – it’s everything else.

Even if you go the independent route without an agency, you should still budget over $100,000 for the all-in costs of surrogacy in the U.S. These “all-in” expenses aren’t typically included in the surrogacy estimate:

  • IVF clinic fees
  • Egg and sperm donation (if necessary)
  • Intended parent travel
  • Newborn costs and insurance

The Four Major Cost Categories

Here’s what you can expect to be included in your surrogacy cost estimate:

1. Gestational Carrier Compensation & Benefits Package – The largest portion of your budget

2. Medical & Insurance Expenses – Prenatal care, embryo transfer, delivery, etc.

3. Agency Fees, Screening & Matching – Professional services and ongoing support

4. Legal & Professional Fees – Contracts, representation, and required evaluations

The reality? These four categories exist whether you work with an agency or go independent. The difference is the value, support and protection you receive.

What You’ll Learn in This Webinar

  • Real cost breakdowns for each of the 4 major categories
  • Hidden expenses that catch families off guard
  • Financing options and grants to make it affordable
  • Surprise-proofing strategies to protect your budget
  • How to evaluate agency value – what you should get for your investment

Can’t attend live? All registrants get the full recording!

Ready to End the Cost Confusion?

Register FREE on Eventbrite – This one hour could save you thousands by helping you budget correctly from day one.

Perfect if you’re:

  • Exploring surrogacy after IVF challenges
  • Comparing agencies and feeling overwhelmed
  • Ready for transparent, honest cost information
  • Seeking financing options and resources

Questions about the webinar? Drop a comment below and we’ll get back to you!

Let’s Talk Surrogacy: Embryo Q&A

If you’ve ever wondered about the role embryos play in the surrogacy journey, our latest episode of Let’s Talk Surrogacy has all the answers you’re looking for.


We sat down with Wade, Director of Community Resources and surrogacy expert, for an in-depth Q&A that covers everything from timing your transition to surrogacy to navigating complex embryo situations.

Subscribe to our YouTube channel or listen on the go:

New episodes drop on the first Tuesday of each month!

Episode Highlights

Wade tackles the most pressing embryo questions intended parents face:

  • Timing your surrogacy transition: Most families exhaust IVF options before considering surrogacy, and your fertility doctor should guide this decision.
  • American Surrogacy’s unique matching approach: They wait until embryos are created before matching (maintaining momentum) and are one of the few agencies working with single-embryo families.
  • Key practical insights: Genetic testing is highly recommended, keep embryos at your original clinic rather than shipping, and international transfers add complexity.
  • Planning considerations: Dual journeys, double transfers, and donor options all come with specific costs, timelines and matching considerations.

Leave a comment and let us know what topics you’d like us to cover next!

Join the Conversation!

Have specific questions about your situation? Fill out our quick form and speak directly with our experts.

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I’m Scared of Getting Pregnant After a Miscarriage Due to Incompetent Cervix

Miscarriage due to incompetent cervix creates fear of trying again. Learn about medical treatments and surrogacy for safer parenthood.

If you’ve experienced a miscarriage due to incompetent cervix, the thought of trying again can feel overwhelming. The sudden loss between 16-24 weeks leaves many parents questioning whether they’ll ever safely carry a baby to term.

You’re not alone in these fears, and there are both medical interventions and alternative paths like surrogacy that can help you achieve parenthood safely.

Ready to explore your options with a surrogacy specialist? Get personalized guidance today when you fill out our simple form.

What Is Incompetent Cervix and Why Does It Cause Pregnancy Loss?

Incompetent cervix (cervical insufficiency) occurs when your cervix opens and thins during pregnancy without contractions or labor pains.

This typically happens during the second trimester, leading to sudden pregnancy loss without warning signs like bleeding or cramping.

Common causes include:

  • Previous cervical procedures (D&C, cone biopsy, LEEP)
  • Congenital cervical abnormalities
  • Uterine structural problems
  • DES exposure during your mother’s pregnancy
  • Connective tissue disorders like Ehlers-Danlos syndrome

Unlike early miscarriages, miscarriage due to incompetent cervix often occurs without symptoms, making it particularly traumatic for expectant parents.

Can You Carry a Baby After Incompetent Cervix Loss?

Many women successfully carry babies after cervical insufficiency, but success depends on individual factors and medical intervention. Treatment options exist, though they don’t guarantee outcomes.

Medical interventions include:

  • Cervical cerclage: Surgical stitches to keep the cervix closed (75-90% success rate when placed early)
  • Progesterone supplementation: Hormonal support to maintain pregnancy
  • Frequent monitoring: Regular ultrasounds to measure cervical length
  • Activity restrictions: Modified daily activities and possible bed rest

However, even with treatment, recurrence rates for miscarriage due to incompetent cervix range from 15-30%, leaving many intended parents seeking alternatives.

Why Many Intended Parents Choose Surrogacy After Incompetent Cervix

When medical interventions feel too risky or have failed before, surrogacy offers a medically safer path to parenthood. Gestational surrogacy completely bypasses cervical risks by allowing your genetic embryos to develop in a healthy surrogate’s uterus.

Surrogacy is often recommended when you’ve experienced:

  • Multiple losses due to cervical insufficiency
  • High medical risks with future pregnancies
  • Severe anxiety about attempting another pregnancy
  • Failed cervical procedures or treatments

The emotional relief of knowing your baby is developing safely often outweighs other considerations for intended parents who’ve endured miscarriage due to incompetent cervix.

Are you ready to explore options that feel less uncertain? Learn more about how surrogacy after failed IVF or pregnancy loss can help you become the parents you’ve been waiting to be.

Understanding Your Surrogacy Options After Pregnancy Loss

Surrogacyallows you to maintain a genetic connection while eliminating cervical risks. Your fertility specialist retrieves your eggs, creates embryos through IVF and transfers them to your surrogate’s uterus.

Key benefits include:

  • No incompetent cervix risk
  • Higher success rates than high-risk pregnancies
  • Emotional relief and reduced anxiety
  • Utilization of embryos from previous cycles

If you have concerns about the quantity or quality of your available eggs, egg donor surrogacy is a great option to aid your path to parenthood.

The Real Cost of Repeated Pregnancy Attempts vs. Surrogacy

While surrogacy requires an upfront investment of $189,500-$200,000+, repeated pregnancy attempts after miscarriage due to incompetent cervix can accumulate substantial costs.

Costs of medical management per pregnancy attempt:

  • Cervical cerclage surgery: $3,000-$8,000
  • High-risk obstetric care: $15,000-$25,000
  • NICU costs if premature birth occurs: $50,000-$200,000+
  • Lost wages from bed rest or complications
  • Emotional counseling and therapy

Some surrogacy agencies partner with fertility financing companies, making surrogacy more accessible than many intended parents realize.

Learn more about how our partnership with Sunfish can help you achieve your dreams of parenthood.

American Surrogacy’s Support for Intended Parents After Pregnancy Loss

We understand that starting surrogacy after incompetent cervix loss requires exceptional care and sensitivity. Our comprehensive support includes:

  • Specialized matching services that connect you with highly-qualified surrogates in an average of 1-4 months.
  • Emotional support resources including counseling referrals, support groups and connection with other intended parents who’ve walked similar paths.
  • Financial protection through our Limited Risk program that provides peace of mind after previous pregnancy losses, ensuring your investment is protected if complications arise.

When you’re ready to move forward, we’ll be here to guide you through every step with the compassion and expertise you deserve.

Taking Your Next Step Toward Safe Parenthood

You don’t have to choose between your dreams of parenthood and your peace of mind. Surrogacy offers a path forward that honors both your desire for a genetic connection and your need for emotional safety.

If you’re ready to explore how surrogacy can help you build your family after incompetent cervix loss, we’re here to provide the specialized support you deserve.

Ready to learn more about surrogacy after pregnancy loss? Connect with a surrogacy specialist today to take that next step toward holding your baby in your arms.

CMV and IVF: What It Means for Your Surrogacy Journey

Wondering does CMV status matter with IVF? Discover how CMV affects embryo creation, transfer timing, and pregnancy risks. Learn when surrogacy offers safer alternatives.

CMV (cytomegalovirus) is a common yet often misunderstood virus that can directly affect your fertility timeline, your embryo transfer plans, and the safety of pregnancy.

Whether you’re actively undergoing IVF, considering donor options or exploring surrogacy as a next step, understanding the role of CMV is essential.

If you’re exploring other family-building options due to CMV-related IVF delays, our team at American Surrogacy is here to help. Fill out our quick form to learn how surrogacy could fit your unique journey.

This guide breaks down how CMV intersects with IVF, what your test results mean, how it may impact your plans—and how American Surrogacy can help you move forward when delays or risks arise.

What is CMV and Why Is It Risky During Pregnancy?

Cytomegalovirus (CMV) is a common virus that affects most adults by middle age. While generally harmless in healthy individuals, CMV can cause serious complications during pregnancy, especially when infection occurs in the first trimester.

Why CMV matters:

  • Congenital CMV Risk: If transmitted to the baby, CMV can result in lifelong health issues.
  • Silent Symptoms: Many adults don’t realize they’ve had CMV because it often causes no symptoms.
  • Pregnancy Timing: CMV infections during conception or embryo transfer are the most concerning.

Understanding CMV’s risks is critical to making informed decisions about fertility treatments.

Why Does CMV Status Matter for IVF or Embryo Creation?

CMV is a common virus that affects up to 85% of adults by age 40. While it rarely causes symptoms in healthy individuals, CMV status becomes critically important during IVF and pregnancy because of potential risks to developing embryos and babies.

Your CMV status affects several aspects of your IVF journey:

  • Embryo Transfer Timing: Active CMV infections may delay embryo transfers to prevent transmission risks during early pregnancy.
  • Donor Selection: When using donor eggs or sperm, CMV status compatibility becomes a key matching criterion.
  • Pregnancy Safety:CMV transmission during pregnancy can cause serious complications for developing babies.
  • Medical Clearance: Fertility clinics have specific protocols for managing patients with different CMV statuses.

Understanding these factors helps explain why CMV and IVF protocols exist and how they protect both you and your future baby.

When Do Fertility Clinics Test for CMV?

Most fertility workups include CMV screening blood test early in the process. Testing may also be required when using donor eggs, donor sperm or working with a gestational carrier.

Timely testing allows clinics to adapt your IVF or embryo transfer plan to maximize safety.

What If I’m CMV Positive? Understanding CMV Testing Results

Fertility clinics test for CMV IgG and IgM antibodies:

  • CMV IgG Positive: This indicates past exposure to CMV and means you have developed immunity. Being IgG positive is generally favorable for IVF, as you’re unlikely to contract a new CMV infection during pregnancy.
  • CMV IgM Positive: This suggests a recent or active CMV infection. IgM positive results typically require waiting periods before proceeding with embryo transfers to ensure the infection has resolved and reduce transmission risks.
  • CMV Negative: Having no previous CMV exposure means you’re susceptible to new infections, requiring careful donor selection and monitoring during pregnancy.

Your fertility clinic will interpret these results alongside other factors to determine the safest approach for your specific situation.

How Long Should You Wait After a CMV Infection to Try IVF?

If you test CMV IgM positive, most clinics recommend waiting 6-12 months before embryo transfer to ensure the infection has cleared.

What happens during the wait:

  • Repeat antibody testing to confirm immunity
  • Clearance from your reproductive endocrinologist
  • Proceeding with egg retrieval and embryo freezing if desired

This approach minimizes the risk of CMV transmission to the baby.

If a long CMV clearance timeline feels discouraging, talk to us about how surrogacy can help you keep your family-building momentum.

Can I Move Forward with IVF with an Active CMV Infection?

Yes—but with limitations. While you may proceed with egg retrieval and embryo creation, most clinics advise waiting 3–6 months post-infection before transferring embryos.

This waiting period serves several important purposes:

  • Allows your immune system to fully clear the active infection
  • Reduces risk of CMV transmission during early pregnancy
  • Ensures optimal conditions for embryo implantation
  • Minimizes potential pregnancy complications

While waiting can feel frustrating, this approach significantly improves your chances of a healthy pregnancy outcome.

CMV and Pregnancy Risks

CMV and pregnancy risks are particularly concerning when infection occurs during conception or early pregnancy. Congenital CMV transmission can lead to:

  • Hearing loss in newborns
  • Developmental delays
  • Vision problems
  • Microcephaly (smaller than normal head size)
  • Intellectual disabilities

These risks explain why fertility clinics take CMV status seriously when planning IVF treatments and why timing matters so much for safe embryo transfers.

Can Surrogacy Help If You’ve Had a Recent CMV Infection?

If you’ve recently had a CMV infection that delays your IVF timeline, surrogacy may offer a faster and medically safer path to parenthood.

Rather than waiting months for medical clearance for personal pregnancy, you can move forward with embryo creation and transfer to a healthy surrogate.

Advantages of Surrogacy After Recent CMV Infection:

  • Faster Timeline: Surrogacy eliminates personal waiting periods required after CMV infection, allowing you to proceed with your family-building goals sooner.
  • Reduced Risk: Your surrogate’s CMV immunity status is screened, ensuring optimal safety for embryo transfer and pregnancy.
  • Peace of Mind: Knowing your surrogate is medically cleared and monitored provides emotional relief during your fertility journey.

CMV and Sperm Donors: Choosing the Right Match

When using donor sperm, CMV status compatibility becomes a crucial selection criterion. Sperm banks routinely test donors and provide detailed CMV status information to help you make informed choices.

CMV Positive Sperm Donors:

  • Safe for recipients who are CMV IgG positive
  • Typically more abundant in donor banks

CMV Negative Sperm Donors:

  • Preferred for CMV negative recipients
  • Lower risk but potentially fewer match options

Need help navigating donor options? American Surrogacy can coordinate with your clinic to simplify the process. Contact us today.

When to Select a CMV Positive Sperm Donor

People generally choose a CMV positive sperm donor when:

  • You are CMV IgG positive (immune from past exposure)
  • Your partner is CMV positive
  • Your fertility clinic recommends CMV positive matching
  • You want access to a broader donor pool (more options available)

CMV positive donors are often in higher supply, potentially offering more choices in physical characteristics, education, and other desired traits.

When to Select a CMV Negative Sperm Donor

Choose a CMV negative sperm donor when:

  • You are CMV negative (no previous exposure)
  • Your fertility clinic specifically recommends avoiding CMV exposure
  • You want to minimize any infection risk during pregnancy
  • Your surrogate (if using one) is CMV negative

CMV negative donors may be in shorter supply, potentially limiting selection options but providing the safest match for CMV negative recipients.

How American Surrogacy Supports Families Navigating CMV and IVF for Embryo Creation

Dealing with CMV complications during IVF can feel overwhelming, especially when medical hurdles delay your path to parenthood.

American Surrogacy can act as your compassionate guide through these complex fertility challenges, and surrogacy can be a flexible solution when CMV status complicates personal pregnancy attempts.

Our support includes:

  • Clinic Coordination: We liaise with your fertility clinic to understand your medical clearance status.
  • Surrogate Matching: We can match you with a surrogate in an average of 1-4 months.
  • Surrogate Screening: Our surrogates have been thoroughly pre-screened, minimizing the chance of complications, saving you time and money.

We’re not just a service—we’re your partner in building the family you’ve dreamed of.

When CMV Makes Surrogacy the Preferred Path

Surrogacy becomes particularly valuable when:

  • Recent CMV infection delays your personal pregnancy timeline by 6+ months
  • Previous CMV-related pregnancy complications make future pregnancies inadvisable
  • You want the fastest path to parenthood despite CMV complications

Remember, choosing surrogacy doesn’t mean giving up on your dreams—it means finding the safest, most efficient route to holding your baby.

Ready to Move Forward? Let American Surrogacy Help You Navigate CMV and IVF Challenges

If you’re facing delays due to CMV, American Surrogacy can help you explore surrogacy as a faster, safer alternative.

Fill out our simple form to discuss how surrogacy might fit your unique situation and timeline.

We’re here to support your next step toward parenthood.

Still Healing After TFMR? IVF Isn’t Your Only Option

After TFMR, IVF may feel uncertain. Discover risks, recovery, and why surrogacy could be a safer, supported next step to parenthood.

After experiencing a termination for medical reasons (TFMR), the question of whether to pursue fertility treatments again isn’t simple. The thought of IVF after TFMR can feel overwhelming, even when your heart still yearns for parenthood.

If you’re not sure you can go through that again right now, you’re not alone. Many hopeful parents feel stuck between their desire to grow their family and their fear of experiencing another loss.

If you’re already wondering whether IVF is still right for you, or you’re open to other possibilities, fill out our form today to explore a path that protects your hope and your heart.

This article explores the realities of pursuing IVF after TFMR, and an alternative that honors your healing process while preserving your dreams of parenthood.

Should I Try IVF Again After TFMR?

After a TFMR, you may find yourself questioning if you can or should pursue another pregnancy. Ask yourself:

  • Am I physically healed from my last pregnancy and any complications?
  • How does the idea of another round of IVF make me feel emotionally?
  • Do I feel prepared for both the best- and worst-case outcomes?

These questions don’t have right or wrong answers, but they can help guide conversations with your doctor, partner, or a counselor. Whether you pursue IVF again or choose a different path, the decision is deeply personal — and yours alone to make.

What Are My Chances of Success with IVF After TFMR?

According to the Mayo Clinic, the risk of miscarriage after experiencing one pregnancy loss is about 20%. However, this statistic doesn’t account for the various factors that influence success rates or the specific circumstances surrounding TFMR.

Maternal age remains one of the most significant predictors of IVF success, regardless of previous pregnancy experiences. Any underlying fertility conditions that may have contributed to your initial conception challenges will likely continue to affect your chances of success.

However, if your TFMR was due to a genetic condition or a fetal abnormality, you may be a candidate for advanced testing like PGT-A (preimplantation genetic testing for aneuploidy).

Genetic Screening After TFMR

PGT-A (preimplantation genetic testing for aneuploidy) can screen embryos for chromosomal abnormalities before transfer. It may reduce the risk of implanting embryos with known issues.

But not all conditions that necessitate TFMR can be detected through testing. Some fetal anomalies develop during pregnancy and cannot be identified at the embryonic stage.

Additionally, PGT-A testing focuses primarily on chromosomal abnormalities and doesn’t detect all genetic conditions or structural problems that might emerge later in pregnancy.

If you’re considering PGT-A for a future IVF cycle or for embryos you’ll use with a surrogate, learn how how this process fits into your journey.

What to Ask Your Fertility Doctor About IVF After TFMR

When you’re considering IVF again after a TFMR, your fertility doctor can help guide you. Here are some important questions to ask:

  • How does my TFMR history affect my chances of success with IVF?
  • Are there any additional risks I should be aware of?
  • Should I consider PGT-A or other genetic screening?
  • Could surrogacy be a safer option for my circumstances?

These conversations can help you clarify your goals and identify the family-building path that best fits your emotional and medical needs.

The Hidden Risks of IVF After TFMR: Are You Prepared?

Recovery time varies significantly based on individual circumstances. While some people feel physically ready to pursue IVF after TFMR within a few months, others require longer healing periods.

Here are some risks and complications to consider:

  • Recovery time may depend on the gestational age and method of delivery. Late-term terminations, especially those requiring cesarean delivery, can lead to uterine scarring or other complications.
  • Hormonal fluctuations after pregnancy termination can persist for several months, potentially impacting fertility treatment.
  • Irregular menstrual cycles or ovulation patterns may follow TFMR, requiring medical monitoring and adjustments to treatment.
  • Physical healing may require several normal menstrual cycles before your body is ready for another round of IVF.

Your fertility specialist will likely recommend waiting for several normal cycles to ensure your body has returned to baseline function and it’s safe to try IVF again after a TFMR.

The Emotional Impact of IVF After TFMR —When Your Heart Isn’t Ready

Even if your body is “ready,” your heart may not be.

Fertility treatments can feel especially stressful after pregnancy loss. Hormone shots, frequent appointments and the wait for embryo transfer can increase anxiety.

Milestones like embryo transfer or the first ultrasound can reawaken grief. Some people describe feeling emotionally numb or fearful of feeling any hope.

These reactions don’t indicate weakness or lack of readiness; they represent normal responses to trauma that deserve acknowledgment. Working with providers who understand the specific support needed after pregnancy loss can significantly improve your treatment experience.

Emotional Support Resources for IVF After TFMR

Finding the right emotional support can make all the difference. Here are a few trusted communities and resources:

  • TFMR Mamas offers various support groups
  • Through the Unexpected focuses on post-pregnancy loss healing
  • Subreddits like r/IVF offer forums for peer support
  • Trauma-informed counselors can help with reproductive grief and pregnancy loss

Financial Considerations of IVF After TFMR

IVF can be expensive, especially if your care now requires genetic testing, additional monitoring or specialized procedures. Insurance may not cover repeat attempts or testing, depending on your provider.

Beyond direct medical costs, IVF after TFMR can be emotionally draining. The possibility of treatment failure after previous pregnancy loss can make each cycle feel like a significant risk.

This pressure may influence treatment decisions or create additional anxiety during already stressful procedures.

Some families find that alternative paths like surrogacy prove more cost-effective over time by reducing the likelihood of repeated failed attempts. You may want to consider what works best for your family.

Surrogacy may offer greater peace of mind and financial predictability. If you’re recovering financially from previous IVF failures, learn about why financing surrogacy after IVF failure is worth it.

What if IVF Feels Too Risky? Exploring Surrogacy as a Path Forward

Feeling scared, exhausted or disconnected from the idea of IVF after TFMR? Your body and mind have endured significant stress, and hesitation doesn’t indicate weakness. Sometimes the bravest decision involves acknowledging when you need a different approach.

You don’t have to abandon your dreams of becoming a parent. Gestational surrogacy offers hope without requiring you to physically carry another pregnancy.

It can be a safer path after multiple losses. You can still use your embryos or create new ones, and your surrogate will carry the pregnancy on your behalf.

This option allows you to pursue parenthood at your own pace, with additional support throughout the process. You deserve a family-building option that respects your grief and protects your hope.

Surrogacy vs. IVF After TFMR: What’s Safer?

Here’s how surrogacy compares to IVF after TFMR:

IVF:

  • Physical Demands: High
  • Emotional Control: Often feels fragile
  • Timeline: Shorter, but unpredictable
  • Cost: Lower per attempt
  • Safety: May carry risks for certain conditions

Surrogacy:

  • Physical Demands: None for intended parents
  • Emotional Control: Shared support throughout
  • Timeline: More structured once matched
  • Cost: Higher upfront, but may reduce cumulative cost from failed cycles
  • Safety: Safest path for those with health risks

How American Surrogacy Supports Families After Loss

American Surrogacy understands that families pursuing surrogacy after pregnancy loss may be struggling with hesitation and fear. Our comprehensive screening process ensures that the surrogates we work with are physically, emotionally and mentally prepared to carry a pregnancy.

When you’re ready to explore IVF alternatives after TFMR, contact us online for more information.

There’s no “right” timeline for healing after pregnancy loss, and we’re prepared to meet you wherever you are in your journey.