If a couple is using a surrogate, which is only legal in some states, costs climb to an average of $110,000, according to the FertilityIQ, an organization that researches fertility treatments and their costs. Dr. Chuan tells her patients to budget for $150,000 to account for miscellaneous expenses. “I would estimate $120,000 to $180,000 for patients, and they should realize that medical fees are just a part of that number,” she says. “After that you’re paying for things like for medications and compensation for the egg donor and surrogate, legal fees, and agency fees.” You may also need to pay for your surrogate’s insurance fees, and compensate them for time off work if they’re put on bedrest.
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