If you're researching surrogacy in Indiana, one of the first questions you're probably asking is: How much does surrogacy cost in Indiana? The answer varies depending on your situation, but most families should expect to spend between $100,000 and $200,000+.
This estimate includes the cost of professional services, surrogate compensation, medical procedures, legal work, and insurance. While surrogacy in Indiana comes with some unique legal considerations, it is still a possible and increasingly common path to parenthood when approached with the right professional support.
American Surrogacy’s Programs in Indiana
At American Surrogacy, we help families across the country pursue parenthood through safe, well-supported surrogacy experiences. That includes helping Indiana residents navigate the financial, legal, and logistical details of this journey.
We offer three primary surrogacy programs to fit a range of needs and budgets:
- 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, this option provides essential support with legal, medical, and administrative coordination. Total costs still typically exceed $100,000 once other required expenses are factored in.
To compare options, visit our Full-Service Programs or explore the Independent Program.
Surrogacy Cost Breakdown
A surrogacy journey in Indiana usually includes the following categories of expenses:
- Agency fees: Covering match support to find a qualified surrogate, case management, coordination of medical and legal services, and 24/7 availability
- Surrogate compensation: Including base pay and approved reimbursements
- Legal fees: Managing contracts, parentage establishment, and navigating Indiana’s legal process
- Medical costs: IVF procedures, embryo transfer, prenatal care, and delivery
Each cost plays a crucial role in protecting all parties and ensuring a smooth, ethical experience.
Understanding Agency Fees and Surrogate Compensation
Agency fees support every stage of the surrogacy process. With American Surrogacy, you receive professional coordination, emotional support, trust management, and legal guidance from beginning to end.
How much does a surrogate cost in Indiana? Surrogates in the Midwest often receive base compensation starting around $50,000. With reimbursements for things like maternity clothing, lost wages, travel, and childcare, total surrogate compensation in Indiana usually ranges from $60,000 to $75,000 or more.
All payments are outlined in your surrogacy contract and managed through a secure escrow system for transparency and fairness.
Avoiding Hidden and Unexpected Surrogacy Costs
Financial surprises can be one of the most stressful parts of a surrogacy journey. At American Surrogacy, we designed the Limited Risk Program to reduce uncertainty by including safeguards for common disruptions like failed embryo transfers or re-matching needs.
Choosing a program with built-in protection allows you to move forward with confidence and budget clarity.
How Much Does a Surrogate Cost in Indiana?
Base compensation for surrogates in Indiana typically begins around $50,000. With the addition of reimbursements and benefits, total surrogate costs usually fall between $60,000 and $75,000 or more.
For those pursuing the Independent Program, these expenses must be planned separately from the program fee. Even with a known surrogate, the full journey often totals over $100,000 when legal, medical, and compensation costs are included.
How Much Does Surrogacy Cost with Insurance in Indiana?
How much does surrogacy cost with insurance in Indiana depends on what your health plan covers. While agency fees and surrogate compensation are typically not covered, your policy may help with:
- Fertility testing and IVF
- Medications for egg retrieval and transfer
- Maternity care if the surrogate has appropriate coverage
Our intake team will evaluate both your and your surrogate’s insurance plans to help identify any coverage and gaps. Indiana residents commonly work with insurers like Anthem Blue Cross Blue Shield, UnitedHealthcare, and CareSource.
How Much Does IVF and Surrogacy Cost?
If your surrogacy journey includes IVF, that adds another layer of expense. So how much does IVF and surrogacy cost in Indiana?
Here’s a general breakdown of IVF-related expenses:
- IVF cycle
- Embryo creation
- Medications
- Donor gametes (if needed
- Monitoring and additional services
Several fertility clinics in Indianapolis and other parts of Indiana offer competitive pricing and high-quality care. We can help connect you to trusted providers in your area.
Affording Surrogacy
Affording surrogacy in Indiana may feel out of reach, but many families are surprised by how many resources are available. In addition to affordable surrogacy programs, you can explore these grants and financial aid options:
- Baby Quest Foundation
- Men Having Babies GPAP Program
- Pay It Forward Fertility Foundation
- Journey to Parenthood
More employers in Indiana are offering fertility and surrogacy benefits through providers like:
- Carrot Fertility
- Progyny
Other options include health savings accounts, retirement plan loans, or home equity lines of credit (HELOCs). Our specialists can help you explore the right combination for your situation.
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 the Midwest choose American Surrogacy because of our balance of professionalism, compassion, and efficiency. Here’s what makes us different:
- Short wait times: Most families are matched with a surrogate in 1 to 4 months
- Full support: Legal, emotional, and administrative guidance from start to finish
- Transparent pricing: Clear expectations with no hidden costs
- Legal coordination: We work with attorneys familiar with Indiana’s unique surrogacy requirements
You’ll never feel like you’re navigating this alone.
Next Steps in Your Surrogacy Journey
Surrogacy in Indiana is possible, but the legal process requires extra care. At American Surrogacy, we help you take the right legal steps to protect yourself and your surrogate, whether you match locally or work with someone from a surrogacy-friendly neighboring state.
If you're ready to take the next step, speak with a specialist today. We’re here to guide you toward a safe and fulfilling surrogacy journey.