If you're considering surrogacy to build your family, one of your first questions is likely: How much does surrogacy cost in Colorado? The answer depends on a variety of factors, including your program selection, medical needs, insurance coverage, and surrogate compensation.
In this article, we’ll answer the question: How much does surrogacy cost in Colorado? We’ll break down the typical expenses, explain the legal environment, and show how American Surrogacy supports New York families every step of the way.
How Much Does Surrogacy Cost in Colorado?
In general, most intended parents can expect to spend between $100,000 and $200,000 for a complete surrogacy journey in Colorado. That range reflects differences in program structure, medical services, legal expenses, and the experience level of your surrogate.
With a surrogacy-friendly legal environment and a growing number of fertility resources, Colorado is a strong choice for intended parents ready to build their families through surrogacy. With the right agency, this process becomes manageable, transparent, and life-changing.
American Surrogacy’s Programs in Colorado
At American Surrogacy, we offer three customizable programs designed to meet your needs, preferences, and budget:
- Limited Risk Program ($169,900 - $179,000+): A full-service option that includes financial protections for events like failed embryo transfers, rematches, and early complications. Most intended parents are matched with a surrogate in 1 to 4 months.
- Foundation Program ($115,400 - $170,000+): A pay-as-you-go model that includes full coordination but fewer financial safeguards. This is ideal for families who want to manage payments over time.
- Independent Program (starting at $17,000): Designed for intended parents who have already matched with a surrogate and need expert support with medical, legal, and case management services.
We help you become a parent faster by keeping wait times short (1-4 months on average) and maintaining a strict surrogate screening process and schedule. This helps ensure successful matches and shorter waits.
To better understand which program is right for you, explore our Full-Service Programs or learn more about the Independent Program.
Surrogacy Cost Breakdown
Your surrogacy budget in Colorado will typically include:
- Agency Fees: Professional case management, screening and matching, legal and medical coordination, and continuous support
- Surrogate Compensation: Base pay plus reimbursements for maternity clothing, lost wages, childcare, and more
- Legal Expenses: Contract creation, parental rights, and court filings
- Medical Costs: Fertility treatments, embryo transfer, prenatal care, and hospital delivery
Each of these components plays a vital role in ensuring a smooth, ethical, and secure experience for everyone involved.
Understanding Agency Fees and Surrogate Compensation
When you work with American Surrogacy, agency fees provide access to experienced professionals who coordinate every step of your journey. This includes legal guidance, emotional support, financial tracking, and hands-on surrogate management.
But how much does a surrogate cost in Colorado? For first-time surrogates, base compensation typically starts at $50,000. Experienced surrogates may receive higher amounts depending on their background and prior journeys. Intended parents also cover additional expenses such as:
- Travel and lodging for appointments
- Lost wages from work
- Childcare and household assistance
- Maternity clothing
- Insurance premiums and medical costs
Total surrogate compensation in Colorado often ranges from $60,000 to $75,000 or more. All payments are managed through a secure trust account to protect both parties and maintain transparency.
Avoiding Hidden and Unexpected Surrogacy Costs
Financial surprises are one of the biggest concerns for intended parents. Without clear planning and strong support, costs can spiral unexpectedly due to medical complications, legal delays, or disrupted matches.
American Surrogacy addresses this through our Limited Risk Program, which is specifically structured to prevent unplanned expenses. This includes rematch protection, coverage for failed embryo transfers, and carefully managed surrogate availability — reducing the risk of emotional and financial disruption.
How Much Does a Surrogate Cost in Colorado?
In Colorado, surrogate compensation reflects the state’s growing reputation for surrogacy and its relatively moderate cost of living. Most base compensation packages begin around $50,000, with full compensation totals — including benefits and reimbursements — falling between $60,000 and $75,000 or higher.
For families using the Independent Program, surrogate costs remain similar, but must be arranged and paid separately from the program fee. While this path starts at $17,000, the full journey often totals $100,000 or more after compensation, legal, and medical expenses are added.
How Much Does Surrogacy Cost with Insurance in Colorado?
How much does surrogacy cost with insurance in Colorado depends on the details of your policy and whether it includes fertility or maternity benefits. Most health plans do not cover surrogate compensation or agency fees, but they may cover:
- IVF and related fertility procedures
- Fertility medications
- Prenatal and maternity care if the surrogate is added to your plan or has qualified coverage
Major insurers in Colorado include Anthem Blue Cross Blue Shield, Cigna, and Kaiser Permanente. Our intake team will review your insurance to determine which costs may be covered and which require supplemental planning.
How Much Does IVF and Surrogacy Cost?
If you're pursuing both IVF and surrogacy, your total costs will be higher than surrogacy alone. So how much does IVF and surrogacy cost in Colorado? Most families spend an additional $20,000 to $40,000 for fertility services, which may include:
- IVF cycle: $12,000 to $25,000
- Fertility medications: $3,000 to $8,000
- Donor sperm or eggs: $5,000 to $15,000 or more
- Monitoring, lab work, and procedures: $5,000 to $10,000
Colorado is home to many high-quality fertility clinics, and prices may vary depending on location and treatment complexity.
Affording Surrogacy
Affording surrogacy in Colorado is a challenge, but there are more options than you might think. In addition to affordable surrogacy programs, American Surrogacy partners with financing providers that specialize in family-building loans.
You can also explore:
- Baby Quest Foundation: Offers grants to individuals and couples pursuing IVF or gestational surrogacy
- Men Having Babies GPAP Program: Provides financial support for gay men pursuing surrogacy
- Pay It Forward Fertility Foundation: Offers grants to assist with IVF and surrogacy costs
- Journey to Parenthood: Provides grants of up to $10,000 for qualified applicants
In Colorado, many employers are also beginning to offer fertility benefits through platforms like:
- Carrot Fertility
- Progyny
Other strategies include personal savings, health savings accounts (HSAs), retirement loans, and home equity lines of credit (HELOCs). We’ll help you explore all available options and find the right financial path for your family.
Affording Surrogacy: Fertility Financing Options
To help ensure you work with a trusted service provider, we have a surrogacy financing partner who provides excellent services that help make surrogacy more affordable:
Sunfish: Sunfish offers low-interest fertility loans for IVF, surrogacy, and egg donors for American Surrogacy. They make parenthood attainable for all types of families through financial solutions, support, and guidance.
Learn more about financing your surrogacy through Sunfish here.
Why Choose American Surrogacy?
With so many options available, it’s important to choose a surrogacy agency that offers not only experience but genuine care. Families in Colorado choose American Surrogacy for our:
- Short wait times: Most intended parents are matched with a surrogate within 1 to 4 months
- Transparent pricing: No surprise costs or hidden fees
- Comprehensive protection: Built-in financial safeguards for disrupted journeys
- Legal confidence: We work with leading surrogacy attorneys familiar with Colorado laws
We walk with you every step of the way — from your first consultation to holding your baby in your arms.
Next Steps in Your Surrogacy Journey
Colorado is a surrogacy-friendly state with strong legal protections for intended parents and gestational carriers. Courts routinely issue pre-birth parentage orders, and surrogacy agreements are fully recognized, making Colorado one of the best states in the country to begin your journey.
Whether you're local or pursuing surrogacy with a Colorado-based surrogate, American Surrogacy can help guide your experience from start to finish with confidence and care.
If you're ready to get started, reach out to speak with a specialist today about your path to parenthood.