How Much Does Surrogacy Cost in Georgia?

Find Financial Clarity in the Surrogacy Process With American Surrogacy

How Much Does Surrogacy Cost in Georgia?

If you're thinking about building your family through surrogacy in Georgia, one of the first questions that comes up is: How much does surrogacy cost in Georgia?

The average cost of surrogacy in Georgia typically falls between $100,000 and $200,000+. Your final cost depends on multiple factors, including your choice of surrogacy program, medical needs, surrogate compensation, and insurance coverage. While Georgia doesn’t have specific statutes governing surrogacy, courts in the state have a long history of supporting intended parents — making Georgia a widely recognized surrogacy-friendly state.

With the right team guiding you, the process can be legally secure, financially manageable, and emotionally rewarding.

American Surrogacy’s Programs in Georgia

American Surrogacy offers three primary programs for intended parents in Georgia:

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 have already matched with a surrogate. It includes medical, legal, and administrative support but does not include compensation, insurance, or IVF costs. Most independent journeys still total over $100,000.

To explore which path is best for you, visit our Full-Service Programs or read more about the Independent Program.

Surrogacy Cost Breakdown

A typical surrogacy journey in Georgia includes the following key expenses:

Agency fees: Professional services including, finding a qualified surrogate, case management, 24/7 support, medical and legal coordination, and matching
Surrogate compensation: Base pay and reimbursements for expenses related to pregnancy
Legal services: Drafting contracts and obtaining pre-birth or post-birth parentage orders
Medical costs: IVF, embryo transfers, fertility medications, monitoring, and delivery

These components ensure that your experience is fully supported, ethically managed, and legally secure.

Understanding Agency Fees and Surrogate Compensation

Agency fees give you access to expert coordination, emotional support, financial management, and trusted professionals who will oversee your entire journey.

How much does a surrogate cost in Georgia? Base compensation for a first-time surrogate typically begins around $50,000. Additional reimbursements include:

Lost wages and childcare
Maternity clothing
Travel and lodging for appointments
Insurance premiums and co-pays
Wellness and support services

When all benefits are included, surrogate compensation in Georgia usually ranges from $60,000 to $75,000 or more. Payments are handled securely through an escrow account and disbursed according to the contract.

Avoiding Hidden and Unexpected Surrogacy Costs

Unexpected expenses are one of the most common fears among intended parents. That’s why American Surrogacy created the Limited Risk Program, which includes financial safeguards for common challenges like failed embryo transfers or disrupted matches.

This program is ideal for families who want predictability and peace of mind in a complex process.

How Much Does a Surrogate Cost in Georgia?

Surrogate costs in Georgia reflect the state’s balanced cost of living and legal friendliness. Most surrogates receive base compensation starting at $50,000. With reimbursements for travel, lost wages, insurance, and more, total surrogate costs typically range from $60,000 to $75,000 or higher.

Families using the Independent Program will still need to cover all compensation and pregnancy-related expenses, which can push the total journey well past $100,000.

How Much Does Surrogacy Cost with Insurance in Georgia?

How much does surrogacy cost with insurance in Georgia depends on the coverage offered by your plan and whether your surrogate has insurance of her own. Most health plans do not cover agency fees or surrogate pay, but some may help with:

Fertility testing and IVF procedures
Medications for egg retrieval and transfer
Maternity care and delivery, if your surrogate’s plan allows it

Our team will review both your insurance and your surrogate’s plan at the beginning of your journey to identify any potential coverage — and help you secure a backup plan if needed.

How Much Does IVF and Surrogacy Cost?

If you’re also undergoing IVF, you’ll need to factor in the added cost of fertility treatment. So how much does IVF and surrogacy cost in Georgia?

Here’s a general breakdown of IVF-related expenses:

IVF cycle
Embryo creation
Medications
Donor sperm or eggs
Monitoring and lab work

Fertility clinics in Atlanta, Augusta, and surrounding areas offer high-quality services with a wide range of pricing. We’re happy to help you choose a clinic that meets your medical and financial needs.

Affording Surrogacy

Surrogacy can feel financially overwhelming, but there are many ways to make the cost more manageable. In addition to our affordable surrogacy programs, we recommend exploring:

You may also want to check if your employer offers fertility and family-building benefits through providers like:

Carrot Fertility
Progyny

Other financial options include home equity lines of credit, retirement plan loans, or contributions from friends and family. Our specialists can help you build a funding plan that works for you.

Affording Surrogacy: Fertility Financing Options

Our team is happy to walk you through these options and help create a custom plan based on your unique goals. 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?

Here’s why families in Georgia trust American Surrogacy:

Short match times: Most families are matched in 1 to 4 months
Transparent pricing: No hidden fees or surprises
Legal support: Our team works with attorneys experienced in Georgia surrogacy law
Full-service care: Emotional, logistical, legal, and medical coordination from start to finish

We combine professionalism with compassion — because this journey matters deeply.

Next Steps in Your Surrogacy Journey

Georgia is considered a surrogacy-friendly state. While there are no specific statutes regulating gestational surrogacy, courts routinely approve pre-birth parentage orders, and contracts are generally enforceable when handled correctly. With a strong legal team and experienced agency support, intended parents in Georgia can pursue surrogacy with full confidence.

If you're ready to take the next step, speak with a specialist today. We’re here to guide you forward with clarity and care.