Surrogacy is a life-changing option for individuals and couples who are ready to grow their family but can’t do so on their own. If you're thinking about starting this journey in Connecticut, one of the first things you'll want to understand is the cost — and how state law shapes the process.
In this article, we’ll answer the question: How much does surrogacy cost in Connecticut? We’ll break down the typical expenses, explain the legal environment, and show how American Surrogacy supports Connecticut families every step of the way.
How Much Does Surrogacy Cost in Connecticut?
The average total cost of surrogacy in Connecticut ranges from $100,000 to $200,000+. This wide range reflects the many variables that can influence your journey, including which program you choose, medical needs, surrogate compensation, legal fees, and insurance.
Connecticut is considered one of the most surrogacy-friendly states in the country, with well-established laws that protect both intended parents and gestational carriers. With the right support system and a reliable agency, your experience can be both legally secure and emotionally fulfilling.
American Surrogacy’s Programs in Connecticut
At American Surrogacy, we offer three program options that allow intended parents to move forward with confidence and clarity, regardless of where they are in their journey. Families using any of our programs are currently expecting an average wait time of 1-4 months.
- 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): Intended for families who already have a surrogate match and only need help with professional coordination, legal guidance, and trust account management.
To explore which option may be the best fit for your needs and budget, visit our Full-Service Programs or learn more about the Independent Program.
Surrogacy Cost Breakdown
Here’s what typically makes up the total cost of surrogacy in Connecticut:
- Agency Fees: Coordination of medical and legal processes, matching with a qualified surrogate, case management, 24/7 support, and emotional care
- Surrogate Compensation: Base pay and reimbursements for pregnancy-related expenses
- Insurance Costs: Embryo transfer procedures, prenatal care, and insurance coverage for the surrogate
- Legal Fees: Contract drafting, court filings, and pre-birth parentage orders
- Medical Costs: IVF procedures, embryo transfer, maternity care, and delivery
Each of these elements is crucial for a successful and secure surrogacy journey, and American Surrogacy provides full transparency at every stage.
Understanding Agency Fees and Surrogate Compensation
Agency fees help cover the services that keep your surrogacy process running smoothly. From match coordination to trust account management, our agency ensures you have professional guidance and support from day one.
How much does a surrogate cost in Connecticut? Surrogate base compensation typically begins at $50,000. Experienced surrogates or those who live in higher-cost areas may receive more. In addition to base pay, you can expect to cover expenses such as:
- Travel and lodging for appointments
- Maternity clothing
- Lost wages and childcare
- Insurance premiums and medical co-pays
- Counseling or emotional wellness services
When combined, surrogate compensation often totals between $60,000 and $75,000 or more. These costs are held in escrow and disbursed based on contract milestones, ensuring fairness and transparency throughout the process.
Avoiding Hidden and Unexpected Surrogacy Costs
Financial unpredictability is one of the biggest concerns for many intended parents. What if a match falls through? What happens if a transfer fails?
Our Limited Risk Program is designed to eliminate those “what ifs.” It includes protections for many of the most common disruptions and ensures your journey continues with minimal financial impact. This option is ideal for families who want clear expectations and cost certainty from the start.
How Much Does a Surrogate Cost in Connecticut?
Surrogate compensation is a major part of the overall budget. In Connecticut, base compensation typically starts at $50,000, with full compensation — including benefits and reimbursements — often totaling between $60,000 and $75,000 or more.
All compensation is detailed in the surrogacy contract and managed securely through a third-party escrow account.
For families using the Independent Program, these same compensation ranges apply, but you’ll be responsible for setting up legal, medical, and financial structures separately. While this path begins at $17,000, total costs often reach or exceed $100,000 once all expenses are included.
How Much Does Surrogacy Cost with Insurance in Connecticut?
How much does surrogacy cost with insurance in Connecticut depends on what your policy covers. While most plans do not pay for surrogate compensation or agency services, they may help with:
- Fertility testing and IVF procedures
- Fertility medications
- Maternity care if the surrogate’s plan provides coverage or if she can be added to your plan
Major insurers in Connecticut include Aetna, Anthem Blue Cross Blue Shield, and ConnectiCare. During your onboarding process, our team will conduct a thorough insurance review and guide you through any recommended supplemental policies or legal provisions.
How Much Does IVF and Surrogacy Cost?
For many families, the path to surrogacy begins with IVF — and the costs associated with that step can vary widely.
How much does IVF and surrogacy cost in Connecticut? Fertility-related costs can add $20,000 to $40,000 to your total surrogacy budget, depending on the clinic and the number of treatment cycles required. Here’s a typical breakdown:
- IVF cycle: $12,000 to $25,000
- Medications: $3,000 to $8,000
- Donor sperm or eggs (if applicable): $5,000 to $15,000 or more
- Pre-implantation testing and monitoring: $5,000 to $10,000
Connecticut has several well-regarded fertility clinics, and we can help you find one that meets your medical and financial needs.
Affording Surrogacy
Surrogacy can be expensive, but it’s not out of reach. American Surrogacy works with financing partners who specialize in fertility and family-building loans.
You may also qualify for grants from:
- Baby Quest Foundation
- Men Having Babies GPAP Program
- Pay It Forward Fertility Foundation
- Journey to Parenthood
Many Connecticut employers — especially in healthcare, insurance, or tech, now offer fertility-related benefits through:
- Carrot Fertility
- Progyny
Other financing strategies include using health savings accounts (HSAs), retirement plan loans, or home equity lines of credit (HELOCs). We can help you explore every available option to make your dream of parenthood a reality.
Affording Surrogacy: Fertility Financing Options
American Surrogacy partners with a 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?
Families in Connecticut choose American Surrogacy because of our proven process, compassionate team, and deep understanding of the surrogacy landscape. Here’s what sets us apart:
- Fast, reliable matches: Most families are matched within 1 to 4 months
- Legal confidence: We work closely with attorneys who know Connecticut surrogacy law inside and out
- Full financial transparency: No hidden fees or surprise costs
- Support at every step: Emotional, legal, and logistical guidance from start to finish
We understand this journey is emotional, complex, and deeply personal. Our role is to make it smoother, safer, and more successful.
Next Steps in Your Surrogacy Journey
Connecticut is one of the most supportive states in the nation for surrogacy. With enforceable surrogacy agreements and access to pre-birth parentage orders, the legal process is straightforward and protects everyone involved.
If you’re ready to take the next step, speak with a surrogacy specialist today. We’re here to help you grow your family with confidence and care.