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The #1 way to ensure you don't overspend during your journey is by being informed. Do your research, ask questions. Don't assume there is only one way to do things or achieve the same goal. Learn from others that have been through it, if you think something sounds too good to be true...it usually is. Surrogacy doesn't have to bankrupt you, it is possible to do it debt free.
If you're brand new to the surrogacy world I suggest you check out this "Surrogacy 101 Online Workshop" I worked with All Things Surrogacy to develop. (you'll notice a lot of the images are from my own journey). The cost is for the course is $49.99 which is a great price for the wealth of knowledge you will gain. I do get a referral bonus (planning to donate anything I receive), but even if I didn't I would still suggest it because it's just that good. Janae the founder of ATS went into great details in all areas of surrogacy, and you can watch just whats important to you and skip others, or watch it all.
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Affording IVF: Click the + on the right of each suggestion to expand for more information!
Research what your health insurance covers
Research what your health insurance covers (possible savings = upwards of $20,000)
Try to run some things through insurance even if you don't think you have coverage
Try to run some things through insurance even if you don't think you have coverage (possible savings= varies)
Ask for selfpay discounts at your IVF clinic and pharmacy
Ask for selfpay discounts at your IVF clinic and pharmacy (possible savings= sometimes up to 30%)
Use your FSA or HSA on medical/IVF and medication expenses
Use your FSA or HSA on medical/IVF and medication expenses (possible savings= depending on your tax bracket)
Medical Expenses Tax Deductions
Medical Expenses Tax Deductions (possible savings= depending on your tax bracket)
Apply for discount IVF medication programs / find free meds
Apply for discount IVF medication programs (possible savings= up to and over 50%)
Research Pricing on IVF Medications / Pharmacies
Research Pricing on IVF Medications / Pharmacies (possible savings= up to and over 50%)
Apply for IVF grants & Scholarships!
Apply for IVF grants! (possible savings= $500-$50,000) Here is a listing of foundations that offer scholarships or grants for IVF treatment. Make sure to read the eligibility requirements, the administrative/application fees and the specifics on what costs the grants will cover before applying.
Choosing your IVF clinic
Choosing your IVF clinic (possible savings= $1,000-$8,000)
International IVF clinics
International IVF clinics (possible savings= varies)
Do a "natural cycle" (Frozen) Embyro Transfer
Do a "natural cycle" (Frozen) Embyro Transfer (possible savings= $800-$3,000)
Infertility Financing Programs
Infertility Financing Programs (possible savings= varies)
Shared Risk Programs
Shared Risk Programs (possible savings= varies)
Active Duty Military or Veteran Discounts
Active Duty Military or Veteran Discounts (possible savings= varies)
Hold fundraisers or yardsales
Hold fundraisers
Get a "side hustle" or second job
Get a "side hustle" or second job
Take out a 401K Loan
Take out a 401K Loan
Refinance your house or take out equity loan
Refinance your house or take out equity loan
Get a religion/ethnicity "Free Loan"
Get a religion/ethnicity "Free Loan"
Ask family/friends for financial assistance
Ask family/friends for financial assistance
ASK FOR Monetary contributions In place of wedding or birthday gifts
Monetary contributions In place of wedding or birthday gifts
IVF Clinical Trials
IVF Clinical Trials
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Affording Surrogacy: Click the + on the right of each suggestion to expand for more information!
Have a friend/relative carry for "free" or reduceD compensation
Have a friend/relative carry for "free" or reduce compensation (possible savings= $10,000-$40,000)
Go Independent aka "Indy" (not with an agency)
Go Independent aka "Indy" (not with an agency) (possible savings= $12,000-$30,000)
Choosing the Right Agency
Choosing the Right Agency
PRo BOno or reduced free agencies/lawyers/Re's
There are some foundations and organizations that provide Pro Bono or reduced services for those that display a need: Surrogacy Together (possible savings= $30,000-$80,000)
Find a surrogate that has health insurance without a surrogacy exclusion
Find a surrogate that has health insurance without a surrogacy exclusion (possible savings= ($150-$500/month)
Find a surrogate that doesn’t work full time
Find a surrogate that doesn’t work full time (possible savings= varies depending on her salary)
Find a surrogate that has family/friends that live close by
Find a surrogate that has family/friends that live close by (possible savings= varies depending on her salary)
Find a surrogate local to you
Find a surrogate local to you (possible savings= varies)
Find a surrogate in a more rural (non metropolitan) area
Find a surrogate in a more rural (non metropolitan) area (possible savings= varies)
use of an escrow company
Use of an escrow company (possible savings= $1,000-$3,000)
Draft your own contracts (not advised in most states!)
Draft your own contracts (possible savings= $2,500-$5,000)- NOT ADVISED IN MOST STATES!
Negotiate the contract early with potential surrogates
Negotiate the contract early (possible savings= $2,500-$5,000)
Delay for a Frozen Embryo Transfers
Delay for a Frozen Embryo Transfers (possible savings= piece of mind and some money)
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