What expenses are covered?

All expenses covered include medical care and procedures related to IVF, embryo transfer, prenatal care, delivery, and complications; medications and vitamins; travel for appointments and transfer-related travel which may include ground transportation up to $100, hotel up to $300/day, meal allowance $75/day per person, childcare $100/day per child (up to 6 children), and companion lost wages up to $100/day (up to 5 days) with proof of employment; lost wages for IVF treatments or physician-ordered bed rest (requires recent pay stubs or prior year 1099); Bed Rest/Activity Restriction: $250/week non-accountable allowance with physician’s note (covers childcare/housekeeping/misc.) with housekeeping allowance paused during bed rest; monthly non-accountable allowance $300/month for up to 12 months (covers local travel, phone/internet, food, postage, tolls, parking, miscellaneous); maternity clothing allowance $1,000 after 15 weeks (+$200 for multiples); pregnancy wellness program $1,000 after heartbeat; housekeeping allowance up to $1,400 weekly starting from the 28th week (discontinued during physician-ordered bed rest); life insurance policy typically $250,000–$500,000; separate legal representation for the surrogate; cycle-related fees if applicable (Injectable Medication Start $1,500; Embryo Transfer $2,500 per attempt; Dropped Cycle $500; Mock Cycle $500); invasive procedure fees when medically indicated (e.g., $500 for CVS/Amniocentesis/Hysteroscopy/Cervical Cerclage/Uterine Biopsy; $1,000 for Ectopic/Tubal Pregnancy Surgery; $1,500 up to 13 weeks for D&E/D&C termination; $2,500 after 13 weeks; $2,500 per organ for loss of ovary/fallopian tube; $3,500 partial hysterectomy; $7,000 full hysterectomy); infectious disease waiver (excluding CMV) if required by clinic: minimum $5,000.

Typical workflow (high level)

1. Confirm eligibility: requirements, records, and a quick pre-screen.
2. Screening: medical records review, background checks, and psychological screening.
3. Matching: profile review, introduction, and alignment on expectations.
4. Legal: agreements are reviewed and signed before medical steps proceed.
5. Medical cycle + transfer: the clinic manages timing, medications, and monitoring.
6. Pregnancy + delivery: ongoing care coordination through birth and postpartum wrap-up.

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?
• What support is available during pregnancy (coordination, counseling, emergency support)?
• What expenses are covered and how do reimbursements work?

Next steps

• Surrogacy requirements
• Apply as a surrogate
• Surrogacy process
• Contact our care team

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.