Surrogacy provides a trusted and effective path to parenthood for hopeful families across the country. If you’re considering this option in Washington, one of your first questions may be how much surrogacy costs — and how the legal process works within the state.
This guide will explain how much surrogacy costs in Washington, what those costs include, how the law supports your journey, and how American Surrogacy can help you move forward with clarity and confidence.
How Much Does Surrogacy Cost in Washington?
Surrogacy in Washington typically costs between $100,000 and $200,000+, depending on your program, medical needs, surrogate compensation, and legal requirements. The cost covers services such as fertility treatment, legal representation, agency coordination, surrogate pay, and insurance planning.
Washington is a surrogacy-friendly state. Under the Uniform Parentage Act, Washington legally permits and regulates gestational surrogacy. Compensated surrogacy agreements are valid and enforceable, and courts can issue pre-birth parentage orders. These protections help create a stable, secure framework for intended parents and surrogates alike.
American Surrogacy’s Programs in Washington
To accommodate a wide range of family needs and financial circumstances, American Surrogacy offers three program options:
- 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 families who already have a surrogate match. This program includes coordination services only and excludes IVF, legal fees, and compensation. Total costs still often exceed $100,000. Full details are available on our Independent Program page.
Surrogacy Cost Breakdown
Surrogacy costs in Washington typically include the following categories:
- Agency fees: Covering surrogate screening, matching with a qualified surrogate, case management, trust account administration, and coordination with legal and medical professionals
- Surrogate compensation: Base pay and reimbursements for maternity items, lost income, childcare, travel, and health insurance premiums
- Legal services: Drafting compliant surrogacy contracts and securing pre-birth parentage orders
- Medical expenses: IVF cycles, embryo transfers, fertility medications, prenatal monitoring, and hospital delivery
These services work together to ensure a safe, legally sound, and ethically managed journey.
Understanding Agency Services and Surrogate Compensation
Agency services cover the full scope of coordination required for a smooth and supported experience. At American Surrogacy, you’ll be paired with a dedicated case specialist who will oversee matching, communication, scheduling, insurance guidance, and legal progress.
In Washington, surrogate base compensation typically starts around $50,000. With reimbursements included, most packages range from $60,000 to $75,000+. These reimbursements often cover:
- Maternity-related clothing and wellness items
- Lost wages and childcare
- Travel and lodging for medical care
- Out-of-pocket medical expenses and insurance premiums
All payments are disbursed through a secure, licensed escrow account for transparency and protection.
Preventing Unexpected Costs
Even in a legally structured state like Washington, unexpected issues can arise — such as canceled cycles or the need to rematch with a surrogate. The Limited Risk Program helps protect your investment from these common disruptions, giving you greater financial predictability throughout the process.
This program is especially helpful for families who want to minimize uncertainty and move forward with confidence.
How Much Does a Surrogate Cost in Washington?
Surrogate compensation in Washington generally starts at $50,000. With additional reimbursements included, total compensation usually ranges from $60,000 to $75,000 or more. Location, experience level, and insurance needs can influence this total.
Families working through the Independent Program will handle compensation separately, but should still expect overall costs to exceed $100,000 when accounting for legal, medical, and agency services.
How Much Does Surrogacy Cost with Insurance in Washington?
Insurance can help offset a portion of surrogacy costs by covering medical expenses. While compensation and agency services are not covered, insurance may assist with:
- IVF procedures and monitoring
- Fertility medications
- Prenatal and delivery care for the surrogate
Common insurers in Washington include Premera Blue Cross, Regence BlueShield, Kaiser Permanente, and Molina Healthcare. Our team will review both your and your surrogate’s policies and help secure supplemental coverage when necessary.
How Much Does IVF and Surrogacy Cost?
If your surrogacy journey includes IVF, additional costs will apply. These may include:
- Fertility diagnostics and consultation
- Embryo creation and transfer
- Medication protocols
- Donor gametes, if applicable
- Monitoring and lab services
Fertility clinics in Seattle, Tacoma, Spokane, and throughout Washington offer a range of treatment options. We’ll help connect you with a clinic that fits your goals and budget.
Affording Surrogacy
Surrogacy is a significant investment, but there are multiple ways to make the process more manageable. In addition to our affordable program options, many families in Washington explore:
Grant and scholarship resources:
- Baby Quest Foundation
- Men Having Babies GPAP Program
- Pay It Forward Fertility Foundation
- Journey to Parenthood
Fertility benefits provided by employers, such as:
- Carrot Fertility
- Progyny
- Additional financing tools like health savings accounts (HSAs), 401(k) loans, or home equity credit lines
Our team will help you combine these resources into a plan that works for your family’s financial situation and goals.
Affording Surrogacy: Fertility Financing Options
We have worked with intended parents in many different financial situations, and here’s the truth: Most don’t simply have the full cost of surrogacy saved up. Many intended parents afford surrogacy through a combination of savings, investments and financing.
To that end, 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?
Even in a surrogacy-friendly state like Washington, the process can be complex. Working with a trusted agency ensures you have the legal guidance, logistical support, and emotional care you need. Families choose American Surrogacy because:
- Most intended parents are matched with a surrogate in 1 to 4 months
- We work with attorneys who understand Washington’s legal process for pre-birth orders and contract enforcement
- Every case is assigned a dedicated specialist for consistent communication and oversight
- Our programs provide both full-service and independent support options
- We foster respectful, ethical relationships between surrogates and intended parents
We’re here to help you take the next step with confidence and care.
Next Steps in Your Surrogacy Journey
Washington offers a strong legal foundation for gestational surrogacy, with court-recognized contracts and legal protections for all parties involved. Whether you’re beginning the process or already matched with a surrogate, American Surrogacy can help you complete your journey safely and successfully.
If you're ready to begin, contact American Surrogacy today to speak with a specialist and take the next step toward building your family in Washington.