Surrogacy is a life-changing path to parenthood for many individuals and couples. If you're considering this option in West Virginia, one of the first things you’ll want to understand is the cost — and how state laws shape the process.
This article outlines the typical cost of surrogacy in West Virginia, how those expenses are structured, what legal considerations you should know, and how American Surrogacy can guide you through each step.
How Much Does Surrogacy Cost in West Virginia?
Surrogacy in West Virginia typically costs between $100,000 and $200,000+, depending on the surrogacy program, medical needs, legal services, and surrogate compensation.
West Virginia does not have a specific law addressing gestational surrogacy, but the state is considered surrogacy-permissive. Many intended parents have successfully completed journeys here with help from experienced reproductive law attorneys. When contracts are properly drafted and managed, courts may recognize and enforce parentage.
American Surrogacy’s Programs in West Virginia
To accommodate different financial situations and levels of risk tolerance, 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): Designed for families who already have a surrogate. This program includes coordination and support but excludes compensation, legal, and medical costs. Most independent journeys still exceed $100,000 overall.
To compare details, visit our Full-Service Programs or Independent Program pages.
Surrogacy Cost Breakdown
Typical cost categories in a West Virginia surrogacy journey include:
- Agency fees: Covering screening, matching with a qualified surrogate, scheduling, legal and medical coordination, trust account management, and support throughout the process
- Surrogate compensation: Base pay and reimbursements for travel, childcare, maternity supplies, lost wages, and health-related costs
- Legal services: Drafting contracts and securing pre- or post-birth parentage orders when possible under West Virginia case law
- Medical expenses: IVF procedures, fertility medications, embryo transfer, monitoring, and delivery
Understanding Agency Services and Surrogate Compensation
Agency services help ensure every aspect of the process is managed professionally. At American Surrogacy, you’ll work with a dedicated case specialist who coordinates legal, medical, and financial logistics — and provides emotional and administrative support throughout.
Surrogates in West Virginia typically receive base compensation starting at $50,000. With additional reimbursements, most packages range from $60,000 to $75,000+. Covered costs may include:
- Maternity care items
- Childcare and travel
- Insurance premiums and co-pays
- Time off work and wellness support
All payments are processed securely through an escrow account for transparency and consistency.
Avoiding Unexpected Surrogacy Costs
Even with the best planning, unexpected disruptions can arise during a surrogacy journey — such as a failed embryo transfer or surrogate withdrawal. American Surrogacy’s Limited Risk Program helps protect your budget from these common issues by including financial safeguards.
This program is ideal for intended parents seeking a more predictable and protected experience.
How Much Does a Surrogate Cost in West Virginia?
Surrogate compensation in West Virginia typically ranges from $60,000 to $75,000+, including base pay and reimbursements for pregnancy-related needs. Some surrogates may receive higher compensation based on prior experience or specific circumstances.
If you're pursuing surrogacy through the Independent Program, compensation is arranged directly between the intended parents and the surrogate. These journeys still generally exceed $100,000 in total when legal and medical services are included.
How Much Does Surrogacy Cost with Insurance in West Virginia?
Insurance policies often won’t cover surrogate compensation or agency fees, but they may help reduce medical costs by covering:
- IVF procedures and fertility diagnostics
- Fertility medications
- Prenatal care and hospital delivery (if the surrogate has coverage)
Major providers in West Virginia include Highmark Blue Cross Blue Shield, The Health Plan, and UnitedHealthcare. Our team will evaluate insurance options and help secure supplemental policies if needed.
How Much Does IVF and Surrogacy Cost?
When IVF is part of the journey, intended parents need to budget for additional costs such as:
- Fertility assessments and embryo creation
- Hormonal medications and protocols
- Donor eggs or sperm, if needed
- Monitoring and lab testing
Families in West Virginia may work with local fertility clinics or choose providers in nearby cities like Pittsburgh or Columbus. We can help you identify a clinic that fits your treatment needs and budget.
Affording Surrogacy
Although surrogacy is a significant investment, many families combine resources to make it more achievable. In addition to our affordable program options, you can 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:
- Carrot Fertility
- Progyny
- Other tools such as HSAs, home equity loans, 401(k) loans, or financial support from family.
Our team is happy to help you build a financial plan based on your situation and timeline.
Affording Surrogacy: Fertility Financing Options
We have worked with intended parents in many different financial situations, and many intended parents afford surrogacy through a combination of savings, investments, and financing.
To that end, 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?
West Virginia families benefit from working with a national agency that understands both the opportunities and challenges of surrogacy in a state without dedicated legislation. Here’s why intended parents choose American Surrogacy:
- Most families are matched in 1 to 4 months
- We work with attorneys familiar with West Virginia courts and surrogacy law
- Each family has a single case specialist for consistency and support
- Our programs offer flexibility, transparency, and protection
- We provide ethical, respectful care for both surrogates and intended parents
We are committed to helping you move forward with a secure and supported experience.
Next Steps in Your Surrogacy Journey
While West Virginia doesn’t have a specific surrogacy statute, courts have recognized gestational surrogacy agreements when properly managed. With the right professionals and legal guidance, you can complete a safe, successful surrogacy journey in the Mountain State.
If you're ready to begin, contact American Surrogacy today to speak with a specialist and start planning your family’s future.