How Much Does Surrogacy Cost in Idaho?

Find Financial Clarity in the Surrogacy Process With American Surrogacy

If you’re thinking about growing your family through surrogacy, one of the first questions you’ll likely ask is: How much does surrogacy cost in Idaho?

This guide is a great place to start if you are looking for information on how much surrogacy costs in Idaho. Here, you will find everything you need to know about costs, how to afford surrogacy, and more.

How Much Does Surrogacy Cost in Idaho?

The average cost of a complete surrogacy journey in Idaho generally falls between $100,000 and $200,000 or more. Your final cost depends on several key factors — including the program you choose, your surrogate’s compensation package, fertility clinic expenses, legal fees, and insurance coverage. While Idaho has no formal statute regulating gestational surrogacy, courts have been supportive of surrogacy agreements, and many families in Idaho successfully complete the process each year.

With experienced professionals guiding you, surrogacy in Idaho can be a secure, affordable, and rewarding path to parenthood.

American Surrogacy’s Programs in Idaho

At American Surrogacy, we offer three program options to help families in Idaho choose the right level of support and risk management:

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 in place. This streamlined option includes medical and legal coordination but not compensation, insurance, or IVF-related expenses. Most independent journeys still total over $100,000 when all other costs are added.

To learn which program may be right for your needs, visit our Full-Service Programs or read about our Independent Program.

Surrogacy Cost Breakdown

The total cost of surrogacy in Idaho is composed of several essential categories:

Agency fees: Covering match coordination with a qualified surrogate, case management, legal and medical logistics, and 24/7 support
Surrogate compensation: Base pay plus reimbursements for travel, maternity needs, and lost wages
Legal services: Drafting enforceable contracts, managing filings, and confirming parental rights
Medical costs: Fertility treatments, embryo transfer, prenatal monitoring, and delivery

These costs ensure your journey is safe, legally sound, and professionally guided from start to finish.

Understanding Agency Fees and Surrogate Compensation

Your agency fee gives you access to a full-service team that manages your surrogacy journey with care and precision. This includes everything from screening potential surrogates to navigating complex legal and medical systems.

So how much does a surrogate cost in Idaho? Most surrogates in the state begin with base compensation around $50,000. Total compensation — including additional reimbursements — usually ranges from $60,000 to $75,000 or more. Common reimbursable expenses include:

Travel and lodging for appointments
Maternity clothing and wellness care
Lost wages during pregnancy or recovery
Childcare and housekeeping
Insurance premiums and out-of-pocket medical expenses

All payments are managed through a licensed third-party escrow account to ensure transparency, protection, and timely disbursement.

Avoiding Hidden and Unexpected Surrogacy Costs

No one wants financial surprises during such an important journey. That’s why American Surrogacy offers the Limited Risk Program, which is designed to reduce the emotional and financial toll of common disruptions.

This program includes coverage for failed embryo transfers, surrogate re-matching, and other unplanned challenges. It’s ideal for families who want to move forward with cost predictability and peace of mind.

How Much Does a Surrogate Cost in Idaho?

In Idaho, the cost of surrogate compensation typically starts at $50,000 and increases with experience or additional needs. When you factor in required reimbursements, most total surrogate packages fall between $60,000 and $75,000 or more.

For intended parents using the Independent Program, these costs are not included in the initial program fee. However, they remain essential to a complete and ethical surrogacy experience, and should be fully planned into your overall budget.

How Much Does Surrogacy Cost with Insurance in Idaho?

How much surrogacy costs with insurance in Idaho depends on the specifics of your policy and whether your surrogate has existing coverage. Most plans do not cover agency fees or surrogate compensation, but some may provide assistance with:

Fertility medications
IVF procedures and lab work
Prenatal care and delivery expenses

Common providers in Idaho include Regence BlueShield, SelectHealth, and PacificSource. Our team will conduct an insurance review early in your journey to determine what’s covered — and what may require supplemental insurance or legal protections.

How Much Does IVF and Surrogacy Cost?

If your surrogacy journey involves IVF, your costs will be higher. So how much does IVF and surrogacy cost in Idaho?

Here is a typical breakdown of IVF-related expenses:

IVF cycle
Embryo creation
Fertility medications
Donor sperm or eggs (if needed)
Monitoring, testing, and lab work

Several reputable fertility clinics are available in Boise and other parts of the state. We can help you find a clinic that offers excellent care and fits your financial plan.

Affording Surrogacy

Surrogacy is a major investment, but it’s more accessible than many families realize. In addition to our affordable surrogacy programs, there are grants and benefits that can help:

You may also want to explore whether your employer offers fertility coverage through providers like:

Carrot Fertility
Progyny

Other families use savings, home equity loans, or health savings accounts to fund their journey. We can help you explore the options that fit your needs best.

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?

Families across Idaho choose American Surrogacy for our experienced staff, transparent pricing, and unmatched support. Here’s what sets us apart:

Short match times: Most intended parents are matched with a surrogate in 1 to 4 months
Full-service care: Legal, emotional, and logistical guidance at every step
Trusted partnerships: Coordination with local attorneys and clinics who know Idaho well
Cost protection: Financial safeguards through our Limited Risk Program

We’re here to simplify every part of the surrogacy process — and make it as positive and empowering as possible.

Next Steps in Your Surrogacy Journey

While Idaho does not have a dedicated surrogacy statute, gestational surrogacy is widely practiced and supported when handled by experienced professionals. With the right legal contracts and a reputable agency, intended parents in Idaho can pursue surrogacy safely and confidently.

If you’re ready to take the next step, speak with a specialist today. We’re here to guide you toward a secure and supported surrogacy journey in Idaho.