Surrogacy offers a hopeful path for individuals and couples who are ready to grow their families. If you’re considering surrogacy in Oklahoma, one of the most important things to understand early on is what the process will cost — and how state laws might affect your journey.
This guide will walk you through how much surrogacy costs in Oklahoma, what those costs cover, how Oklahoma courts approach surrogacy, and how American Surrogacy can provide expert guidance every step of the way.
How Much Does Surrogacy Cost in Oklahoma?
For most families, surrogacy in Oklahoma costs between $100,000 and $200,000+, depending on which services you use, whether you already have a surrogate, and your medical and legal needs. Oklahoma is considered a surrogacy friendly state.
This means that surrogacy is possible and legally recognized in Oklahoma — provided it’s properly managed with legal and agency support.
American Surrogacy’s Programs in Oklahoma
To accommodate a range of family budgets and needs, 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): Created for families who already have a surrogate match. This program includes coordination and oversight but excludes compensation, IVF, and legal costs. Independent journeys typically exceed $100,000 once all services are accounted for.
To compare the options in more detail, visit our Full-Service Programs or learn more about our Independent Program.
Surrogacy Cost Breakdown
Here’s a breakdown of typical surrogacy expenses in Oklahoma:
- Agency fees: Covering case management, surrogate screening, matching with a qualified surrogate, legal and medical coordination, trust account management, and 24/7 support
- Surrogate compensation: Base pay and reimbursements for travel, maternity clothing, lost wages, childcare, and other pregnancy-related needs
- Legal services: Drafting and reviewing contracts, filing for parentage orders, and ensuring compliance with Oklahoma family law
- Medical expenses: IVF treatment, embryo transfers, medications, prenatal monitoring, and delivery care
These components help create a well-supported and legally protected surrogacy experience for everyone involved.
Understanding Agency Fees and Surrogate Compensation
Agency fees support all the services required to manage your surrogacy journey — from the first consultation to securing your parental rights. Your case will be guided by a dedicated specialist who will coordinate logistics, offer emotional support, and keep things on track.
In Oklahoma, surrogates are generally compensated around $50,000 in base pay. When reimbursements are included, total compensation packages often range from $60,000 to $75,000+. Commonly reimbursed items include:
- Maternity supplies and wellness care
- Childcare during medical appointments
- Lost wages during pregnancy and recovery
- Travel and lodging
- Insurance premiums and out-of-pocket costs
All payments are distributed through a licensed escrow provider for financial transparency and legal protection.
Avoiding Unexpected Costs During Surrogacy
Even in a state where surrogacy is practiced frequently, disruptions can happen — like canceled embryo transfers or unplanned medical needs. To help protect your budget from those scenarios, we offer the Limited Risk Program.
This program includes safeguards for common financial setbacks, helping families feel more secure throughout the journey.
How Much Does a Surrogate Cost in Oklahoma?
Surrogate base compensation in Oklahoma typically starts around $50,000, with total costs ranging from $60,000 to $75,000+ when reimbursements are included. Compensation may be higher depending on the surrogate’s experience, employment situation, or unique pregnancy needs.
If you are pursuing surrogacy through the Independent Program, these costs will be paid outside of your agency fee. Even with a known surrogate, most independent journeys still exceed $100,000 in total expenses.
How Much Does Surrogacy Cost with Insurance in Oklahoma?
How much surrogacy costs with insurance in Oklahoma depends on what your policy — and your surrogate’s — will cover. While most plans do not cover compensation or agency fees, they may offer assistance for:
- IVF treatments and lab work
- Fertility medications
- Maternity and delivery care
Popular providers in Oklahoma include Blue Cross Blue Shield of Oklahoma, Community Care, and United Healthcare. Our team will review your insurance policies and help you secure supplemental coverage if needed to avoid gaps in care.
How Much Does IVF and Surrogacy Cost?
If you’re using IVF as part of your surrogacy journey, your total cost will include additional medical services. These typically include:
- IVF cycles and embryo transfers
- Fertility medication regimens
- Donor sperm or eggs (if needed)
- Monitoring, testing, and lab services
Fertility clinics in Oklahoma City, Tulsa, and surrounding areas provide a range of treatment options. We’ll help you find a clinic that aligns with your care and budget preferences.
Affording Surrogacy
Surrogacy can be expensive, but it’s often more achievable with the right planning. In addition to our affordable surrogacy programs, many families in Oklahoma explore:
Grant and scholarship programs:
- Baby Quest Foundation
- Men Having Babies GPAP Program
- Pay It Forward Fertility Foundation
- Journey to Parenthood
Employer-sponsored fertility benefits through platforms like:
- Carrot Fertility
- Progyny
Other financing options such as HSAs, home equity loans, or borrowing from retirement savings
Affording Surrogacy: Fertility Financing Options
We’ll help you create a funding plan that works for your goals and lifestyle. 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?
Surrogacy in Oklahoma requires careful planning, especially without a formal legal statute in place. American Surrogacy offers a clear and professional pathway forward. Here’s why families choose us:
- Efficient matching: Most intended parents are matched with a surrogate in 1 to 4 months through our nationwide network
- Trusted legal partnerships: We work with attorneys who understand Oklahoma’s family court system and how to structure enforceable contracts
- Consistent support: Your case will be managed by a dedicated specialist who provides step-by-step guidance and support
- Program flexibility: Whether you need full protection or already have a match, we offer options to fit your journey
- Commitment to ethical care: We prioritize fairness and support for both surrogates and intended parents, creating stronger partnerships and more successful outcomes
We’re here to make your experience smooth, informed, and well-supported — no matter where you’re starting from.
Next Steps in Your Surrogacy Journey
Oklahoma has a history of recognizing gestational surrogacy arrangements when they’re managed carefully and handled with experienced legal oversight. With the right professionals, intended parents across the state — including single and LGBTQ+ individuals — can move forward confidently.
If you're ready to begin, contact American Surrogacy today to speak with a specialist and take your first step toward parenthood.