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Finance & Insurance Guide Reviewed Dec 22, 2023 2 min read
Finance & Insurance Guide

How much does a surrogate make?

The base compensation for first-time surrogate mothers ranges from $35,000 to $55,000 depending on the state of residence.

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The base compensation for first-time surrogate mothers ranges from $35,000 to $55,000 depending on the state of residence. Experienced surrogate mothers can earn between $50,000 to $91,000 depending on the state of residence. In addition to the base compensation, Patriot Conceptions offers a range of benefits and add-ons such as a signing bonus, monthly allowances, paid medical screening, legal counsel, and more....

Overview

This guide answers “How much does a surrogate make?” for intended parents, with a focus on planning, common variables, and the questions that reduce risk and surprises.

Typical workflow (high level)

  1. Clarify your plan: clinic choice, embryo plan, and timeline goals.
  2. Build your team: agency coordination, legal counsel, and insurance/escrow planning.
  3. Matching: preferences, introductions, and alignment on expectations.
  4. Legal + medical readiness: contracts, clinic clearance, and scheduling.
  5. Pregnancy + delivery: coordinated care, milestones, and parentage steps.

What can vary (and why)

  • Clinic schedules and medical protocols (individualized to the situation).
  • State and international legal requirements (especially for parentage workflows).
  • Matching preferences and availability (fit matters).
  • Insurance and financial structure (coverage details can change).
  • Logistics like travel, time zones, and appointment availability.

Questions to ask (so you don’t get surprised later)

  • What are the next 2–3 steps in my specific situation?
  • What documents or records should I prepare before we start?
  • Which decisions should I make now vs later?
  • Who will be my primary point of contact during the journey?
  • How will we communicate and share updates (email, calls, portal)?
  • What are the typical milestones from start to finish?
  • How do we establish parentage and protect everyone legally?
  • What should we confirm with the fertility clinic before matching?

Next steps

Important note

This page is educational information only and is not medical, legal, or tax advice. Always confirm specifics with qualified professionals and your care team.

See the sources section below for reference links when available.

Sources & last reviewed

Reviewed by Patriot Conceptions Operations Team. Last reviewed Dec 22, 2023.