International Surrogacy

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Saturday, 23 June 2018 07:30

How Much Does Surrogacy Cost in the US? How much does surrogacy cost in the Ukraine

Infertility and surrogacy in America can be crippling in America. Insurance rarely shoulder the burden. Our international surrogacy programs in Ukraine are pay as you go, the entire amount is not paid in advance. In addition, the cost is less than a third of that in the US and financing is available through our financial partner. Contact us to see how we can make your dreams a reality affordably.

Article By Doree Shafrir
When my husband and I started trying to have a baby, part of us thought even if it took a while, we'd eventually get pregnant "spontaneously." How naive we were. After trying for six months, we decided to get tested, and my husband was diagnosed with low sperm count. We were told that the odds of conceiving without medical intervention was less than 1% and that IVF was our only option. Okay, we thought, plenty of people have gotten pregnant via IVF. It would be expensive, but we'd end up with a baby. Right?

Well, two and a half years later, all I can say is: maybe. My husband's diagnosis (not covered by insurance, by the way) was just the beginning. Three egg retrievals, two embryo transfers, one polyp removal surgery, and a surgical hysteroscopy to repair a septate uterus — not to mention more ultrasounds, blood tests, and self-administered shots than I care to count — and I still don't have a baby, or even a pregnancy (I did have a chemical pregnancy after my most recent transfer, but that's literally the definition of "a little bit pregnant"). At this point, we've spent around $60,000 out of pocket — almost all of which has been put on low-interest credit cards.

I wanted to know how other people who had children, or who were trying to have children, either through medical intervention or via adoption, had done it. How much had they spent? What were the outcomes? I spoke to five couples across the country, from a variety of backgrounds and income levels, to find out. 

Amy and Gordon Perrin

Ages: 37 (both)
Location: Plymouth, Michigan
Occupations: Treasury and investor relations manager (Amy), engineer (Gordon)
Household income: More than $150,000
Total spent: Approaching $200,000

Amy: I got pregnant on my own three times and had miscarriages three times. The first miscarriage, the D&C [dilation and curettage, a procedure to remove tissue from the uterus] cost me $11,000 in the emergency room. Our deductible is $6000 and then 70% or 80% up to another $10,000. That hit me right away: On top of losing a baby, I had to pay all of that. The second and third miscarriages I had in my doctor's office, so she only charged me $500 to do the D&C.

We've done two rounds of egg retrievals and the related drugs, genetic testing for the embryos, and then two embryo transfers.

Our insurance is pretty shitty. My insurance has no fertility coverage. We both work for large corporations. A couple years ago I read my husband's policy and he had fertility coverage. But you don't know all the terminology until you start going through it. So because I had been pregnant over the age of 35, they don't consider me infertile.

Gordon: Any kind of insurance, if they find an out, they're going to push for an out.

Amy: There were seven embryos from our first retrieval that passed genetic testing, and then two embryos didn't thaw properly, so we couldn't use them. We have two left from the first retrieval.

Gordon: Obviously, a gestational carrier — a surrogate — would be another option.

Amy: We sat down and went through our expenses last week. How long is it going to take us to save for it without having to take money out of our 401(k)? I don't want to be penniless when we have a child. We think it will take us two years to come up with the money. So far, we've just been able to pay for everything as we go. My husband sold a home from before we were together, and he made $40,000 on that. My parents have given us money here and there.

But for surrogacy, you have to show them that you have the money.

Gordon: If we could just pay along the way, we could probably do it now. But you have to have the whole lump sum. It goes into escrow.

Since initially speaking to BuzzFeed News, Gordon and Amy have found a surrogate and are planning on transferring one of their embryos in February.

Amy: We couldn't find any agencies that we liked. I put it on Facebook that this is what we were going to do, and a friend of a friend saw it who knew that her roommate in college had used a surrogate. She connected us with her agency in Indianapolis. Then we had to find a doctor and a psychiatrist in Indianapolis. [Editor's note: Michigan is an altruistic, or noncompensated, surrogate state.]

We're paying a premium for an experienced surrogate — she's already done this for a couple in Chicago. We went down for a weekend to meet her and went to the hospital where she wants to deliver. The first time she did this, she wanted to do it for someone who had had cancer. Afterwards she pumped milk and sent it to the parents and the baby.

This is easily $100,000. The agency gets a pretty big cut. What I liked about this agency is they didn't ask for everything up front. It was broken out — it was $5000 initially, and if nothing happens, that's it. But all of our money is in escrow right now. They have all of our cash, around $60,000. The money thing is crazy — fortunately, my grandma's helped us out, and we used our bonuses from work. And my girlfriend has a lot of money and said she'd give us whatever we need and we can just pay her back. We're not hurting, but knowing that every single dollar is in this is very stressful.

The agency does all of the background work on the medical and psychological stuff, and if you meet the person and decide you're a match, you reimburse the agency. Then we paid another fee to the agency, and then we reimbursed them for the medical costs. We paid for our attorney and her attorney, and got a life insurance policy for her. You have to pay to have wills drawn up for her, you pay for the transfer and the medication. She gets a couple hundred dollars a month from us to pay for things like vitamins and gas, and then starting at the heartbeat she gets a monthly payment until after the birth.

We didn't have to buy a separate health insurance policy for her [many health insurance policies do not cover pregnancy by surrogate]. She had a policy through the ACA and the ACA is very friendly towards surrogacy, but at any time it could change. So I really don't want to get into 2019. I really hope this transfer works.

Another thing that really pisses me off is after she gives birth, I have to pay her for six or eight weeks where she's off work, but I'm not being paid. My company's policy is that I have to give birth to this child to get any paid time off. I'm trying to get the policy changed. I've worked here for seven years and no one has given birth.

Learn more about international surrogacy

Delivering Dreams helps couples throughout the US struggling with infertility have children. Located in NJ and Kyiv Ukraine, our amazing medical facilities and professionals, surrogates and donors are in Ukraine, because Ukrainian law protects the rights of parents and their children from inception at affordable costs and high success rates.

Unique to Delivering Dreams, we offer guaranteed not to exceed, all-inclusive pricing and contracts under US law to provide prospective parents legal and financial security.

1 in 6 couples are struggling with infertility. You are not alone. We want to be your path to parenthood.
Would you like to learn more? Please contact us to share your challenges, ask questions and discuss solutions. This email address is being protected from spambots. You need JavaScript enabled to view it.,, 1.908.386.3864.

International surrogacy made simple!

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We have been very satisfied, I have been comfortable at the clinic and with my doctor. I was heard. I could ask any questions. I like you have hu-mor, despite the circumstances. Great clinic. Your service has been very good. You have been a huge support and very spacious. You have been available 24 hours a day. You have the answer to all the questions we have been asked. You have accommodated our nervousness, you have rejoiced with us, you have been there throughout. I could not have wished ...
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A and S
The communication with surrogate is easy and better than what we expected. The updates are provided as scheduled with occasional surprises
The support was great. It was easy on us that the coordination was done by the delivering dreams team while being completely transparent with us on the progress. The communication with the delivering dreams team was always fast, responsive, and easy.
E and K
Thank you kate. You have been great today and all the other days ❤ you are a great team. We are very satisfied and happy for your help.
We were confident before in our choice, but this experience has confirmed beyond any doubt that we choose the best agency.
I loved working with Susan and her team and highly recommend them to anyone considering her services. She's is great at every aspect of a process and knows how to handle delicate matters.
Diana Lyakhovetska
Susan truly understands the needs of parents using surrogacy, and offers comprehensive emotional support to parents as they experience the journey!
Christine Hughes Pontier
The team at Delivering Dreams is amazing! Their attention to detail and ability to put your mind at ease while growing your family is like none other. They handled everything for us, and I never once doubted they would help us accomplish our dreams.
Margaret Jones
I’ve known Susan for several years now, and I’ve always been impressed by her attention to her clients’ needs. I’ve known her to work ardently and diligently to solve whatever challenges, no matter how unique, that prevent her clients from completing their families. She is a problem-solver, and she earnestly believes in providing the best options and in making surrogacy opportunities realities: this is not merely a business for Susan. She will help customize the process for your needs and to ...
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Mary Woods
Susan has a keen sense of business and goes to the max to solve her clients’ problems. She is super knowledgeable on business, laws and how things work in surrogacy in general, and specifically on Ukrainian surrogacy. She is an advocate for transparency in a market that’s often opaque and full of hidden risks. I really enjoyed working with Susan. She really pays attention to detail and was always looking out for my best interest above all. Highly recommend!
Laurie Tham
Delivering Dreams goes above and beyond what other surrogacy agencies offer. After speaking with Susan, I see how they anticipate every part of the process, down to details that I had never even considered. I didn’t know what I didn’t know! Surrogacy can be really complicated and confusing. What an amazing sense of relief to have a company so dedicated to managing the WHOLE process and taking away as much of the stress as possible.
Kate Varness
I have gotten to know Susan through a group where we are members. I have found her to be a genuine and caring person. Her consideration for others and love of her work with Ukrainian surrogates and parents-to-be are evident in all her decision making. She is passionate about being a force for the greater good and helping where she can. I have been amazed at the way she is able to smoothly navigate the complicated maze of requirements in the surrogacy process. I am happy to give her my highest...
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Rose Anne Barbour Huck
Susan Kibler is kind.  She clearly loves those she works with and loves what she does.  Susan listens deeply and compassionately and can make you laugh all in the space of one conversation.  She is wonderful!  If you are feeling worried, she'll hear you.  If you have questions, she will find answers for you. If you need help, she does her very best to support you.  I feel so fortunate to have found her and imagine you will too.
Frances Russell
Susan has the ability to really connect on a personal level quickly.  I have found her easy to talk to and have been so grateful for her guidance.  She is one of those people who offers so much to her clients.  She sees the big picture and has a heart for the most intimate concerns.  She is highly skilled and able to manage what can certainly be challenging and uncomfortable experiences, making them feel easier.  She will take charge at the perfect times and guide you when you really need her...
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Susan Seare
The international surrogacy world is complicated. Susan Kibler knows its ins-and-outs. She knows the people and outfits you can trust and the ones to avoid. She insists on the best for her clients and handles the details so they don't have to worry about them. If you want to take the international surrogacy journey, you can trust Delivering Dreams International Surrogacy Agency to guide you on that path.
Nancy Linnerooth
My friend and I had a positive experience working with Susan. Susan is always super responsive and caring. She is very professional, helpful and reliable. My friend has soo much troubles trying having a baby for many years. My friend and her husband were about to give up their dream of having a baby. Susan Kersch Kibler found the way to help. She has unlimited energy, attentive to detail and super efficient. Great to work with!
Polina Clend
Susan is passionate about helping people become families. She is a trustworthy confidant to have on your side.
Kristen Ancker
Our experience with Delivering Dreams has been overwhelmingly positive. The team seems to be genuinely dedicated to helping us to realize our dream of having a child. The constant communication leading up to the trip and the numerous touch points made us feel comforted in what has been a very challenging and uncomfortable situation. We always had streamlined communication through the group chat and was frequently checked on during our stay.

Under Ukrainian law, surrogacy is a legal affordable option for traditionally married couples to have children using their own embryos, or with either an egg or sperm donor. There must be a medical reason you can’t carry a child. You are also able to participate if you have had 4 unsuccessful IVF attempts.


Under Ukrainian law, surrogacy is a legal affordable option for traditionally married couples to have children using their own embryos, or with either an egg or sperm donor. There must be a medical reason you can’t carry a child. You are also able to participate if you have had 4 unsuccessful IVF attempts.