Surrogacy is one of several paths hopeful parents can take to grow their families. If you're starting to explore this option, understanding the financial aspects early on can help you feel more prepared and make informed decisions as you move forward.
If you're considering surrogacy in Mississippi, one of the first questions you may have is: How much does surrogacy cost in Mississippi? In this article, we’ll walk through the typical costs involved, how Mississippi’s legal landscape affects the process, and how American Surrogacy can support you along the way.
How Much Does Surrogacy Cost in Mississippi?
The cost of surrogacy in Mississippi typically ranges from $100,000 to $200,000+. This total includes surrogate compensation, agency coordination, medical procedures, legal work, and insurance-related expenses. While Mississippi does not currently have specific surrogacy legislation, families can still complete a successful journey when guided by experienced professionals who understand the legal landscape.
Most intended parents in Mississippi choose to work with surrogates in nearby surrogacy-friendly states or complete necessary legal steps outside the state to ensure contracts are enforceable and their parental rights are protected.
American Surrogacy’s Programs in Mississippi
American Surrogacy offers three structured programs designed to meet a wide range of financial needs and risk preferences:
- 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.
For more details, visit our Full-Service Programs or learn about our Independent Program.
Surrogacy Cost Breakdown
Here are the major cost categories in a typical surrogacy journey:
- Agency fees: Covering case management, surrogate screening, matching with a qualified surrogate, legal and medical coordination, and ongoing support
- Surrogate compensation: Base pay plus reimbursements for pregnancy-related costs such as travel, lost wages, and maternity supplies
- Legal services: Drafting enforceable contracts and managing parentage orders, often in surrogacy-friendly neighboring states
- Medical expenses: IVF treatment, embryo transfers, fertility medications, prenatal care, and delivery
These services are essential to creating a legally safe, emotionally supported, and ethically managed experience for all involved.
Understanding Agency Fees and Surrogate Compensation
Agency fees support the logistical, legal, and emotional coordination of your surrogacy journey. At American Surrogacy, these include everything from match support and case management to insurance review and trust account administration.
So how much does a surrogate cost in Mississippi? Most surrogates receive base compensation starting at $50,000, with total compensation — including reimbursements — typically ranging from $60,000 to $75,000 or more. Additional expenses may include:
- Maternity clothing
- Travel and lodging
- Childcare and lost wages
- Health insurance premiums and co-pays
All payments are managed through an escrow account to ensure clarity, accuracy, and timely disbursement.
Avoiding Hidden and Unexpected Surrogacy Costs
Unexpected expenses are a valid concern for intended parents — especially in states where the legal process may be less defined. That’s why we recommend our Limited Risk Program. It’s designed to protect your investment by covering costs related to disrupted matches, failed embryo transfers, or other unexpected events.
This program is ideal for families who want to move forward with budget confidence and long-term security.
How Much Does a Surrogate Cost in Mississippi?
Surrogate compensation for families in Mississippi — whether working with a surrogate in-state or in a nearby surrogacy-friendly region — typically starts at $50,000. With added reimbursements, the total often reaches $60,000 to $75,000+.
If you are using the Independent Program, these costs are not included in your program fee. Compensation and medical expenses must be budgeted separately, and most independent journeys still total over $100,000.
How Much Does Surrogacy Cost with Insurance in Mississippi?
How much surrogacy costs with insurance in Mississippi depends on your policy and whether your surrogate has appropriate maternity coverage. While most health plans do not cover agency fees or compensation, they may help offset costs related to:
- Fertility treatments and IVF
- Fertility medications
- Prenatal care and delivery (if the surrogate is insured)
Common insurance providers in Mississippi include Blue Cross & Blue Shield of Mississippi, Ambetter, and Molina Healthcare. Our intake team will review both your and your surrogate’s insurance coverage to ensure all gaps are addressed.
How Much Does IVF and Surrogacy Cost?
If your surrogacy journey includes IVF, your overall expenses will include additional medical services. These often include:
- IVF treatment and procedures
- Embryo creation
- Fertility medications
- Donor sperm or eggs (if applicable)
- Monitoring, testing, and lab services
Our team can help you coordinate care with trusted fertility clinics in Mississippi or in neighboring states, depending on where your medical and legal steps take place.
Affording Surrogacy
Surrogacy may be a major financial investment, but there are a number of ways to make the process more manageable. In addition to our affordable surrogacy financing options, you can also explore:
Grant programs and financial assistance:
- Baby Quest Foundation
- Men Having Babies GPAP Program
- Pay It Forward Fertility Foundation
- Journey to Parenthood
Employer-provided fertility benefits from:
- Carrot Fertility
- Progyny
Other financing tools including home equity lines of credit, HSAs, or retirement account loans are also worth exploring.
Affording Surrogacy: Fertility Financing Options
Our team will work with you to explore the right combination of grants, benefits, and payment plans to fit your goals and timeline. 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?
When you’re pursuing surrogacy in a legally complex state like Mississippi, working with a trusted agency is especially important. Here’s why families turn to American Surrogacy for support:
- Legal clarity and direction: We work with attorneys who understand Mississippi’s limitations and guide you toward safe, enforceable legal arrangements — often by coordinating with surrogates in nearby surrogacy-friendly states.
- Fast, secure matches: Most families are matched with a pre-screened surrogate in just 1 to 4 months.
- Consistent case management: Your case specialist is with you throughout your journey, handling logistics, scheduling, and communication.
- Comprehensive support: From emotional check-ins to medical and legal coordination, we’re here to walk with you every step of the way.
- Transparent pricing: Our program structure — especially the Limited Risk Program — helps eliminate surprises and keep your budget on track.
We provide more than just surrogacy coordination. At American Surrogacy, we serve as your guide, advocate, and support system throughout your journey to parenthood.
Next Steps in Your Surrogacy Journey
While Mississippi does not currently allow for enforceable compensated surrogacy contracts, intended parents in the state can still build their families through carefully structured surrogacy journeys — often by working with surrogates and legal professionals in surrogacy-friendly states.
With the right team in your corner, you can complete a safe, ethical, and legally supported surrogacy experience.
If you're ready to learn more, contact American Surrogacy today to speak with a specialist and begin your journey to parenthood with clarity and confidence.