Surrogacy is an exciting path to parenthood for many individuals and couples. Whether you’ve already decided on this journey or are still in the early stages of research, understanding how much surrogacy costs — and how it works in your state — is one of the most important first steps.
If you're considering surrogacy in Nevada, you're in a supportive position. Nevada is one of the most surrogacy-friendly states in the country, with clear legal protections. In this guide, we’ll explore what surrogacy typically costs in Nevada, what those costs include, and how American Surrogacy can help guide your journey.
How Much Does Surrogacy Cost in Nevada?
For most families, surrogacy in Nevada costs between $100,000 and $200,000+, depending on your program, medical needs, surrogate compensation, and legal requirements. Nevada’s favorable legal climate makes it a strong option for both in-state and out-of-state intended parents.
With this legal foundation and the right professionals by your side, your surrogacy journey in Nevada can be both legally secure and well-supported from beginning to end.
American Surrogacy’s Programs in Nevada
American Surrogacy offers three comprehensive programs designed to accommodate a variety of financial needs and levels of desired support:
- 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): Best for intended parents who already have a surrogate match. This program includes coordination and case management but does not cover compensation, legal work, or IVF. Independent journeys often still exceed $100,000.
To learn more about which program is right for you, visit our Full-Service Programs or Independent Program.
Surrogacy Cost Breakdown
While every journey is unique, the most common surrogacy costs in Nevada include:
- Agency fees: Covering case management, surrogate screening, matching with a qualified surrogate, legal and medical coordination, matching services, and ongoing support
- Surrogate compensation: Base pay and reimbursements for expenses such as lost wages, travel, childcare, and maternity-related costs
- Legal services: Drafting and executing enforceable contracts, securing pre-birth parentage orders, and managing state-specific legal steps
- Medical expenses: IVF, embryo transfer, fertility medications, prenatal care, and hospital delivery
These costs help ensure that every aspect of your surrogacy journey is professionally managed and legally protected.
Understanding Agency Fees and Surrogate Compensation
Agency fees reflect the behind-the-scenes work that makes surrogacy possible — from surrogate screening and matching to financial tracking, insurance coordination, and emotional support. At American Surrogacy, a dedicated specialist walks with you through each phase.
Surrogate compensation in Nevada typically starts at $50,000, and with reimbursements, the total package often reaches $60,000 to $75,000+. Reimbursable items may include:
- Maternity clothing
- Childcare and housekeeping
- Travel and lodging for appointments
- Lost wages
- Medical co-pays and insurance premiums
All compensation is held and distributed through a secure escrow account to ensure consistency and legal compliance.
Reducing Financial Surprises During Surrogacy
Even in a surrogacy-friendly state like Nevada, families often worry about unexpected costs. That’s where our Limited Risk Program comes in. This program includes protections for common setbacks like failed embryo transfers, surrogate rematching, or early medical complications.
By offering budget predictability, the Limited Risk Program allows you to focus on your growing family — not financial uncertainty.
How Much Does a Surrogate Cost in Nevada?
In Nevada, surrogates typically receive base compensation starting at $50,000, with total compensation packages often falling between $60,000 and $75,000 or more once all reimbursements are included.
If you’re using the Independent Program, you’ll need to coordinate compensation, insurance, and related expenses directly with your surrogate. Most independent journeys still exceed $100,000 in total costs.
How Much Does Surrogacy Cost with Insurance in Nevada?
Surrogacy-related insurance costs vary depending on what is covered under your policy — and whether your surrogate’s plan includes maternity benefits. While agency services and compensation are not covered, your policy may help with:
- IVF treatment
- Fertility medications
- Prenatal and delivery care
In Nevada, major insurers include Anthem Blue Cross Blue Shield, Aetna, and Prominence Health Plan. Our intake team will carefully review insurance coverage for both you and your surrogate to identify what is included and where supplemental coverage may be needed.
How Much Does IVF and Surrogacy Cost?
If you’re undergoing IVF as part of your surrogacy journey, your budget will need to account for additional medical services such as:
- IVF procedures and embryo transfers
- Fertility medications
- Donor sperm or eggs (if required)
- Testing, lab work, and monitoring
Nevada offers a strong network of fertility clinics, particularly in Las Vegas, Reno, and Henderson. We can help you select a clinic that meets your medical and financial needs.
Affording Surrogacy
Surrogacy is a major financial commitment, but there are resources that can help make it more accessible. In addition to our affordable surrogacy programs, intended parents often explore:
Grant and scholarship options:
- Baby Quest Foundation
- Men Having Babies GPAP Program
- Pay It Forward Fertility Foundation
- Journey to Parenthood
Employer fertility benefits through platforms such as:
- Carrot Fertility
- Progyny
Personal financing tools such as health savings accounts (HSAs), home equity loans, and 401(k) loans are also options to explore.
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?
Nevada’s legal framework makes it an ideal state for surrogacy — but choosing the right agency is what truly determines how smooth and supported your experience will be. Here’s why families across the country trust American Surrogacy:
- Short match times: Most intended parents are matched with a surrogate in 1 to 4 months through our actively managed network.
- Nevada legal experience: We work with attorneys who understand how to navigate the state’s pre-birth parentage and contract enforcement systems.
- Hands-on coordination: From legal paperwork to medical scheduling and emotional support, your dedicated case manager is with you the entire way.
- Transparent pricing: Our Limited Risk Program offers clear financial protections, while all programs include fully outlined cost structures.
- Surrogate-focused support: We provide wraparound services that ensure your surrogate is respected, cared for, and set up for a successful journey — which ultimately supports your success as well.
We understand that every family has different needs. Our job is to listen, guide, and support you with the expertise and compassion that this journey deserves.
Next Steps in Your Surrogacy Journey
Nevada’s favorable surrogacy laws and accessible legal process make it one of the best places in the U.S. to complete a gestational surrogacy journey. Families from all backgrounds — including LGBTQ+ couples and single parents — can move forward with legal clarity.
If you're ready to take the next step, contact American Surrogacy today to speak with a specialist and start building your surrogacy plan in Nevada.