Starting a family through surrogacy is an exciting and deeply personal journey. While this path offers life-changing opportunities, it also involves detailed planning — especially when it comes to finances. Whether you’re just exploring the process or ready to move forward, understanding the cost of surrogacy is a key part of preparing for what lies ahead.
If you're considering surrogacy in Massachusetts, you may be asking: How much does surrogacy cost in Massachusetts? In this article, we’ll walk through what to expect, how much you may invest, and the support systems that can guide you toward a successful outcome.
How Much Does Surrogacy Cost in Massachusetts?
The average cost of surrogacy in Massachusetts falls between $100,000 and $200,000+, depending on a range of factors including your surrogacy program, medical needs, legal requirements, and surrogate compensation. Fortunately, Massachusetts is one of the most surrogacy-friendly states in the U.S., offering a strong legal foundation for intended parents — whether single, married, or LGBTQ+.
With supportive laws, world-class medical providers, and the right agency in your corner, Massachusetts is an excellent place to pursue surrogacy.
American Surrogacy’s Programs in Massachusetts
American Surrogacy offers three programs that give families in Massachusetts a range of options based on their budget and preferred level of financial protection:
- 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): For families who already have a surrogate. This includes coordination and oversight but excludes compensation, IVF, and legal services. Most independent journeys still cost over $100,000.
You can review the options in more detail on our Full-Service Programs page or explore the Independent Program if you already have a match.
Surrogacy Cost Breakdown
Most intended parents in Massachusetts will encounter the following core cost areas:
- Agency fees: Includes case management, surrogate screening and matching, trust account oversight, and ongoing logistical support
- Surrogate compensation: Base pay and reimbursement for costs related to pregnancy, travel, and time off work
- Legal services: Drafting contracts, securing pre-birth or post-birth parentage orders, and ensuring legal compliance with Massachusetts surrogacy law
- Medical expenses: IVF procedures, fertility medications, embryo transfers, prenatal monitoring, and delivery care
Each of these expenses plays a critical role in protecting the interests of both intended parents and surrogates throughout the journey.
Understanding Agency Fees and Surrogate Compensation
Agency fees reflect the scope of professional services required to guide your journey safely and efficiently. At American Surrogacy, these services include emotional support, legal coordination, insurance review, and medical scheduling — all handled by your dedicated case specialist.
How much does a surrogate cost in Massachusetts? Most base compensation packages start around $50,000, and with additional reimbursements for travel, lost wages, childcare, and health-related needs, the total surrogate compensation usually ranges from $60,000 to $75,000+. These payments are managed through a licensed escrow account for accuracy, transparency, and peace of mind.
Avoiding Hidden and Unexpected Surrogacy Costs
Surrogacy is a significant investment, and it’s normal to worry about the possibility of unforeseen expenses. To help minimize those risks, American Surrogacy offers the Limited Risk Program, which provides protection in cases such as failed embryo transfers or surrogate rematches. This added layer of security gives you more control over your budget and your peace of mind.
How Much Does a Surrogate Cost in Massachusetts?
Surrogates in Massachusetts typically earn a base compensation of $50,000, with the total package often ranging from $60,000 to $75,000 or more depending on experience, benefits, and location.
If you're pursuing surrogacy through the Independent Program, surrogate compensation is not included in your program fee, so you’ll need to plan for those payments separately. Even with a known surrogate, total surrogacy costs often exceed $100,000.
How Much Does Surrogacy Cost with Insurance in Massachusetts?
How much surrogacy costs with insurance in Massachusetts depends on your health coverage and whether the surrogate’s insurance includes maternity benefits. While most plans will not cover agency fees or compensation, many will provide some coverage for:
- IVF procedures and lab testing
- Fertility medications
- Prenatal care and delivery services
Massachusetts law mandates infertility treatment coverage in many private insurance plans, which may reduce your IVF costs. Our team will help review your policy — and your surrogate’s — to make sure you’re protected from unexpected out-of-pocket expenses.
How Much Does IVF and Surrogacy Cost?
If you’re undergoing IVF as part of your surrogacy journey, additional services and procedures will increase your overall budget. Here are some of the key medical services that typically incur costs:
- IVF treatment and embryo transfer procedures
- Embryo creation
- Fertility medications
- Donor eggs or sperm (if required)
- Testing, monitoring, and lab work
Your total IVF cost will depend on the number of cycles needed and your fertility clinic’s pricing. Massachusetts is home to several top-tier fertility centers in Boston and throughout the state, making it a strong option for intended parents seeking high-quality care.
Affording Surrogacy
Surrogacy is a major financial commitment, but there are several strategies that can make it more manageable. In addition to our affordable surrogacy programs, many families find assistance through:
Grant and scholarship programs including:
- Baby Quest Foundation
- Men Having Babies GPAP Program
- Pay It Forward Fertility Foundation
- Journey to Parenthood
Employer-sponsored fertility benefits available through:
- Carrot Fertility
- Progyny
Financing tools such as HSAs, home equity loans, 401(k) loans, or personal lending options could also be beneficial.
Affording Surrogacy: Fertility Financing Options
Our team will work with you to create a financial strategy that balances your timeline, goals, and resources. 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,y 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?
When you choose American Surrogacy, you’re choosing a partner who understands the emotional, legal, and financial complexity of this process. Here’s why families in Massachusetts — and across the country — trust us with their most personal journey:
- Industry-leading match times: Most intended parents are matched in just 1 to 4 months
- Legal insight in Massachusetts: We coordinate with attorneys who know the state’s legal process for pre-birth orders and contract enforcement
- Comprehensive support: From emotional check-ins to insurance coordination, we handle every detail with professionalism and care
- Clear pricing structure: Our programs are built to minimize surprises and protect your investment
- Ethical, surrogate-centered care: We support your surrogate with equal commitment to ensure a positive experience for everyone involved
With American Surrogacy, you’ll receive more than just guidance — you’ll gain a trusted advocate focused on your success and your growing family.
Next Steps in Your Surrogacy Journey
Massachusetts is one of the best places in the country to pursue surrogacy. The legal system supports gestational surrogacy contracts. With the right team behind you, your journey in Massachusetts can begin with confidence and clarity.
If you're ready to start your journey, contact American Surrogacy today to speak with a specialist and take the first step toward growing your family.