How Much Does Surrogacy Cost in Oregon?

Find Financial Clarity in the Surrogacy Process With American Surrogacy

Surrogacy can be a deeply meaningful way to grow your family, especially for intended parents facing infertility, health risks, or those in same-sex partnerships. If you're exploring this option in Oregon, one of the most practical questions to consider early on is: What does surrogacy cost — and how does the process work here?

In this guide, we’ll walk you through the cost of surrogacy in Oregon, how those costs are structured, the state’s legal climate, and the support available to help you move forward with confidence.

How Much Does Surrogacy Cost in Oregon?

In Oregon, surrogacy typically costs between $100,000 and $200,000+. This includes the surrogate’s compensation, agency coordination, fertility care, legal services, and insurance-related expenses.

Oregon is widely considered a surrogacy-friendly state. While there’s no formal statute specifically governing gestational surrogacy, courts have consistently upheld contracts and issued pre-birth or post-birth parentage orders. The state’s legal flexibility makes it a secure place to complete your journey — whether you live here or are matched with a surrogate from Oregon.

American Surrogacy’s Programs in Oregon

To give families flexible options, we offer three surrogacy programs with different cost structures and levels of risk protection:

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. This plan provides coordination support but excludes compensation, medical expenses, and legal services. Most independent journeys still exceed $100,000.

To compare programs, visit our Full-Service Programs or read more about our Independent Program.

Surrogacy Cost Breakdown

A typical surrogacy journey in Oregon will involve expenses in the following areas:

Agency fees: These cover services like matching with a qualified surrogate, screening, scheduling, legal and medical coordination, trust account oversight, and 24/7 case support
Surrogate compensation: Base pay and reimbursement for maternity clothing, travel, lost wages, childcare, and other pregnancy-related costs
Legal services: Drafting and finalizing surrogacy contracts, securing parentage orders, and ensuring compliance with Oregon’s case law
Medical costs: IVF cycles, embryo transfer, medications, prenatal care, and hospital delivery

These services are coordinated to ensure a legally protected and emotionally supported process from start to finish.

Understanding Agency Services and Surrogate Pay

Your agency fee covers the comprehensive support required to manage a surrogacy journey — including screening candidates, handling legal and medical scheduling, and offering emotional guidance throughout the process.

In Oregon, surrogate base compensation typically begins at $50,000. When additional reimbursements are factored in, the total often ranges from $60,000 to $75,000 or more. Commonly reimbursed expenses include:

Health insurance premiums and co-pays
Travel and lodging for appointments
Maternity-related supplies
Lost wages and household assistance

All payments are disbursed via a licensed escrow provider for clarity and accountability throughout the pregnancy.

Protecting Your Investment from Common Setbacks

Even in a supportive state like Oregon, it’s smart to plan for what happens if something doesn’t go as expected. Our Limited Risk Program provides built-in financial protection for disruptions such as failed IVF cycles or a surrogate needing to withdraw from the journey.

This structure helps families avoid major out-of-pocket surprises and offers more peace of mind as they move forward.

How Much Does a Surrogate Cost in Oregon?

Surrogates in Oregon typically receive $50,000 in base pay. With reimbursements added, total compensation averages between $60,000 and $75,000+, depending on the surrogate’s experience and location.

If you're pursuing surrogacy through the Independent Program, these payments are handled outside the program fee. Regardless of how the journey begins, most families should still budget for $100,000+ in total costs.

How Much Does Surrogacy Cost with Insurance in Oregon?

While agency fees and surrogate compensation aren’t covered by insurance, many policies may help with:

IVF treatment and monitoring
Fertility medications
Maternity care and delivery (if covered under the surrogate’s plan)

Oregon insurers like Regence BlueCross BlueShield, Pacific Source, and Providence Health Plan may offer partial coverage for these services. Our team will review both your and your surrogate’s policies and help you arrange any needed supplemental insurance coverage.

How Much Does IVF and Surrogacy Cost?

If you’re also undergoing IVF, that will add to your total surrogacy expenses. Common IVF-related services include:

Embryo creation and transfer
Medication protocols
Donor eggs or sperm (if needed)
Monitoring and lab work

There are reputable fertility clinics in Portland, Eugene, and throughout Oregon. We can help you select a clinic that fits your treatment plan and financial preferences.

Affording Surrogacy

Surrogacy is a significant financial commitment — but many families successfully complete the journey with help from the right resources. In addition to our affordable financing programs, you can explore:

Grants and support programs:

Employer fertility benefits are available through providers like:

Carrot Fertility
Progyny

Other financial tools, such as HSAs, 401(k) loans, or home equity credit lines, are also options to explore.

Affording Surrogacy: Fertility Financing Options

Our team can help you explore which financial solutions best align with your goals and timeline. 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 Work with American Surrogacy?

Choosing the right surrogacy agency is key — especially in a state like Oregon, where legal precedent supports surrogacy but navigating the process still requires expertise. Here’s what makes American Surrogacy a trusted partner:

Efficient matching process: Most families are matched with a surrogate in 1 to 4 months through our national network
Legal experience in Oregon: We coordinate with attorneys who understand the state's surrogacy case law and how to secure pre-birth parentage orders
Dedicated case support: You’ll be assigned a single point of contact to manage communication, scheduling, and paperwork from start to finish
Program flexibility: Whether you need full-service support or have already matched with a surrogate, we have a plan that fits
Balanced, ethical care: We prioritize fair treatment and support for both surrogates and intended parents — creating healthier journeys for everyone involved

Our mission is to provide clarity, compassion, and comprehensive support to families at every stage of the surrogacy process.

Next Steps in Your Surrogacy Journey

While Oregon does not have a dedicated surrogacy statute, it remains one of the most surrogacy-permissive states in the U.S. Courts consistently uphold contracts and issue parentage orders when agreements are handled correctly. That means intended parents — regardless of marital status, sexual orientation, or background — can confidently pursue surrogacy in Oregon with the right guidance.

If you're ready to begin, contact American Surrogacy today to speak with a specialist and start planning your path to parenthood.