Starting a family through surrogacy is a life-changing and emotional journey — one that involves many decisions, including financial planning. Understanding the costs upfront can help you feel prepared, confident, and empowered to take your next step.
If you're considering surrogacy in Maine, you’re likely wondering: How much does surrogacy cost in Maine? In this article, we’ll walk you through the typical expenses, financing options, and how American Surrogacy can guide you every step of the way.
How Much Does Surrogacy Cost in Maine?
Surrogacy costs in Maine typically range from $100,000 to $200,000+. This range includes compensation for your surrogate, agency coordination, medical treatments, legal support, and insurance considerations. While Maine’s surrogacy laws are relatively new, they fully support gestational surrogacy contracts, making this an excellent state for intended parents seeking a secure legal path.
With the right agency and legal team in place, you can navigate surrogacy in Maine with confidence and clarity.
American Surrogacy’s Programs in Maine
We offer three different programs to support your family-building goals at various budget levels:
- 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): For families who already have a surrogate match. This program includes medical, legal, and case management coordination, but compensation, IVF, and legal fees are handled separately. Independent journeys often exceed $100,000 in total cost.
To compare your options in detail, visit our Full-Service Programs or explore the Independent Program.
Surrogacy Cost Breakdown
Most surrogacy journeys in Maine include the following core expenses:
- Agency fees: Covering screening, matching with a qualified surrogate, medical and legal coordination, and 24/7 support
- Surrogate compensation: Base pay plus reimbursements for pregnancy-related costs
- Legal services: Drafting contracts and securing pre-birth or post-birth parentage orders
- Medical expenses: IVF, embryo transfer, fertility medications, and prenatal care
These components work together to ensure a secure, ethical, and well-supported journey for both you and your surrogate.
Understanding Agency Fees and Surrogate Compensation
Agency fees provide the backbone of your surrogacy experience. With American Surrogacy, these fees include full case management, financial coordination, legal and medical referrals, and emotional support.
In Maine, surrogate compensation typically starts at $50,000. With additional reimbursements, most surrogate compensation packages fall between $60,000 and $75,000 or more. Common reimbursable expenses include:
- Travel and lodging
- Maternity clothing
- Lost wages and childcare
- Insurance premiums and medical costs
- Support services and wellness care
All compensation is distributed through a licensed escrow service to ensure timely, secure, and legally compliant payments.
Avoiding Hidden and Unexpected Surrogacy Costs
Many intended parents worry about financial surprises during their journey. That’s why we created the Limited Risk Program. This program includes protections for common setbacks like disrupted matches or failed embryo transfers, allowing you to move forward with fewer uncertainties and more peace of mind.
How Much Does a Surrogate Cost in Maine?
Base surrogate compensation in Maine typically starts around $50,000, with most full compensation packages falling between $60,000 and $75,000+ after reimbursements.
Even for families using the Independent Program, these costs still apply and must be planned for outside of the base program fee. Total expenses usually exceed $100,000, even with a known surrogate.
How Much Does Surrogacy Cost with Insurance in Maine?
How much surrogacy costs with insurance in Maine depends on both your health coverage and your surrogate’s. While most policies don’t cover agency fees or compensation, some may include:
- IVF procedures
- Fertility medications
- Maternity care
Major providers in Maine include Anthem Blue Cross Blue Shield, Harvard Pilgrim, and MaineCare. Our intake team will conduct a thorough insurance review to help you understand what’s covered and what supplemental policies may be needed.
How Much Does IVF and Surrogacy Cost?
If IVF is part of your journey, your budget will need to account for additional services. Here’s what those typically include:
- IVF treatment and procedures
- Embryo creation
- Fertility medications
- Donor sperm or eggs (if needed)
- Monitoring, testing, and lab work
Costs for these services vary based on clinic rates, the number of cycles needed, and whether donor gametes are used. Our team can help connect you with clinics in Maine or nearby states that fit your goals.
Affording Surrogacy
While surrogacy is a significant financial investment, it’s more manageable than many families expect. In addition to affordable financing options, you can explore:
Grants and financial assistance from:
- Baby Quest Foundation
- Men Having Babies GPAP Program
- Pay It Forward Fertility Foundation
- Journey to Parenthood
Employer fertility benefits through:
- Carrot Fertility
- Progyny
Financial planning tools including home equity lines of credit, retirement loans, or health savings accounts (HSAs) can also be beneficial options.
Affording Surrogacy: Fertility Financing Options
Our specialists can help you find the right combination of resources for your surrogacy journey. We can help you work with a trusted service provider, as 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?
Choosing the right surrogacy agency is one of the most important decisions you'll make — and it can make all the difference. Here’s why families in Maine and across the U.S. choose American Surrogacy:
- Proven experience: Our team has supported hundreds of families across the country, including in legally complex and emerging surrogacy states like Maine.
- Fast, trusted matching: Most intended parents are matched with a surrogate within 1 to 4 months thanks to our active, well-screened network.
- Full-service care: We guide you through every step, from medical and legal coordination to emotional and logistical support.
- Legal confidence: We work closely with attorneys familiar with Maine’s surrogacy law, helping ensure your contract is enforceable and your parentage is secured.
- Financial transparency: Our pricing is clear, structured, and built to eliminate surprise costs — especially through our Limited Risk Program.
At American Surrogacy, we combine professionalism with empathy. You’ll never feel like just a number — you’ll feel like a partner.
Next Steps in Your Surrogacy Journey
Maine has become one of the more surrogacy-friendly states in recent years. Whether you’re an individual, a couple, or an LGBTQ+ family, you can confidently pursue surrogacy here with the right legal and professional guidance.
If you're ready to take the next step, contact American Surrogacy today to speak with a surrogacy specialist and begin your journey with confidence.