Financing Infertility Treatments and Surrogacy Cost Financing

Feb 1, 2017 | | Say something

Fertility Treatments are expensive, often ranging from $ 12,000-$ 15,000 per IVF cycle. Surrogacy costs for arrangements in the U.S. often range from $ 100,000 – $ 130,000 and Guatemalan surrogacy costs and Guatemalan surrogacy costs range from $ 36,000-$ 45,000. There are a number of options that are available for financing these costs, and programs that can help reduce the costs of surrogacy arrangements:

• Loans
• Discount IVF clinic programs
• Grant Programs
• IVF Refund Programs
• Embryo Adoption Programs

LOANS
Unsecured and secured loans are an option. There are a couple of loan programs that are designed specifically for health care costs of fertility treatments: 1) Capital One: 2) Medical Financing Solutions.

DISCOUNT IVF PROGRAMS
Some fertility clinics offer discount programs so doing some research online and with your local fertility clinics can turn up some possibilities for cost savings which may also be available for medical costs for surrogacy arrangements as well.

GRANT PROGRAMS
Grant programs are available. The following are some good resources for information on obtaining grants:

•Fertile Dreams Grant Program
•Conceiving Concepts IVF Scholarships

IVF REFUND PROGRAMS
Some clinics allow the patient to prepay a certain number of in vitro fertilization (IVF) cycles. If the patient is unsuccessful after a certain amount of attempts, then she may receive some or all of her money back.

EMBRYO ADOPTION PROGRAMS
For those in need of egg donation, the costs of matching with an egg donor and the medical costs associated with the formation of an embryo can often reach $ 30,000. One option is to consider embryo adoption whereby embryos that are not being used by couples are given to programs so that the embryos can be adopted by parents in need rather than destroying the embryos. Programs offering embryo adoption include Embryo Donation and Snowflakes, both organizations offering embryo adoption services.

Lastly, family and friend can often be a source of emotional and financial support. Also, taking a careful look at your spending habits and budgeting for infertility and/or surrogacy arrangements can be a start to your goal of building your family through assisted reproductive technology and surrogacy.

Candace O’Brien is an attorney and CEO and Founder of Advocates for Surrogacy, a full service egg donation and surrogacy agency. For further information: http://www.advocatesforsurrogacy.com

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