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Are you trying to start a family? Are you thinking of using surrogacy? Thankfully, this is an excellent option for intended parents who want to build the family of their dreams but can’t use conventional means of conception. 

If you’re a resident of the Golden State, then you may be asking yourself: how much does a surrogacy cost in California? In this post, we’ll go over everything you need to know, including the cost of the actual surrogate, in vitro fertilization (IVF), and how much the surrogate gets paid. 

How Much Does Surrogacy Cost In California? 

On average, surrogacy in California can cost anywhere from $90,000 to $130,000

Let’s break down that figure and take a look at where that money goes: 

  • Surrogate compensation. This includes base pay, bonuses, and expenses. 
  • Surrogacy agency fees. This includes legal fees, medical costs, and screening costs.


The final cost will depend on a variety of factors, but the biggest chunk goes towards paying the surrogate. But you definitely don’t want to skimp on this expense! 

Think of it this way: you need the best woman for the job. She must be professional, healthy, and prepared so that the pregnancy and delivery go as smoothly as possible. If you go through a surrogacy agency like Surrogacy By Faith, then we can find a surrogate who’s the most qualified and the best match for you.  

Finally, let’s also break down what the surrogacy agency fees cover:

  • Legal expenses. This includes the surrogacy contract, court paperwork, and separate legal counsel for the intended parents and surrogates (as required by California law). 
  • Medical expenses. This includes IVF cycles, medications, hormones, OB-GYN checkups, ultrasounds, blood tests, hospital bills, and psychological counseling.


How Much Does A Surrogate Get Paid In California? 

A first-time surrogate in California will make about $50,000. On the other hand, experienced surrogates can make much more, up to $80,000! 

However, these figures are just the base salary – this doesn’t include extra compensation or bonuses.

The surrogate can receive extra payment (or bonuses) if: 

  • She gets pregnant with twins or triplets.
  • Multiple embryo transfers or fertility cycles are necessary. 
  • She has to take time off work (lost wages). 
  • A C-section is performed during the delivery. 
  • She pumps her breast milk to feed the baby. 


Plus, in California, the surrogate’s expenses are also covered, including:  

  • All medical procedures, medications, hormones, and/or supplies.
  • Hotel and travel arrangements for all medical and legal appointments. 
  • Legal counsel for the surrogate that’s separate from the intended parents. 
  • Food, maternity clothes, and/or childcare. 


This means that total surrogate compensation equals: base salary + bonuses + expenses.

As you can see, that’s a lot to keep track of! An agency like Surrogacy By Faith can make your surrogacy journey much easier. We’ll take the lead in communicating with the surrogate as well as tracking and coordinating all of the various expenses. 

What Is The Cost Of IVF In California? 

The average cost for one in vitro fertilization (IVF) cycle in California is anywhere from $8,000 to $13,000, not including the medication. 

But what exactly is an IVF cycle? Let’s break the cycle down into the following steps: 

  • Ovarian stimulation. Also known as ovulation induction, the surrogate mother or egg donor is stimulated to produce eggs. 
  • Sperm retrieval. The sperm is gathered from the intended father or a sperm donor.
  • Egg retrieval. Also known as harvesting the eggs, the viable eggs are extracted from the intended mother or egg donor. 
  • Fertilization. The sperm and egg are combined to create an embryo. 
  • Hormone treatment. The surrogate mother takes hormones to prepare her womb for the embryo transfer. 
  • Embryo transfer. The embryo is transferred into the surrogate mother, hopefully resulting in pregnancy. 


That’s an IVF cycle. In addition to these steps, there are other related expenses during the IVF process, including ultrasounds, blood tests, lab fees, medications, and/or cryopreservation of the viable embryos and/or sperm. 

If the surrogate mother does not get pregnant from the embryo transfer, it may be necessary to repeat the IVF cycle, either partially or fully. If multiple viable eggs were harvested, then they can be pulled from the cryopreservation and fertilized to try another round of embryo transfer. 

Some agencies may offer services to increase the chances of the surrogate getting pregnant. For instance, Surrogacy By Faith offers a free 30-day cleanse to help make the embryo transfer successful.

How Can Intended Parents Pay For Surrogacy In California? 

couple doing research about surrogacy on a laptop

In most cases, the intended parents can not use a standard health insurance policy to pay for surrogacy. This includes all the costs associated with the surrogate’s pregnancy – in fact, most policies specifically exclude this kind of coverage. It’s also pretty rare that the surrogate’s own insurance will cover her pregnancy, unless she happens to have a surrogacy-friendly policy. 

What are the options? How do you pay for surrogacy in California? In this case, a surrogacy agency can help you navigate this part of your journey. For instance, Surrogacy By Faith can help you purchase:

  • A surrogacy insurance policy from New Life Agency (underwritten by Lloyd’s of London).
  • Or a surrogacy-friendly policy for the surrogate through our insurance broker. 


Additionally, it is possible that the intended parents’ insurance plan could cover part or even all of the IVF (also known as cycle insurance). This will depend on their policy, but our experienced team can help the intended parents precisely determine their coverage. 

Finally, agencies sometimes offer financing options to clients, although it’s fairly rare. 

Find A Surrogate With Surrogacy By Faith

Finding the right surrogacy agency is a crucial part of the surrogacy journey. They keep you from getting overwhelmed by taking on so much of the work, so it’s important to pick the best one for you. 

Surrogacy By Faith is a respected and reputable surrogacy agency that’s based in Irvine, California, although we work with surrogates and intended parents from all over the state. For us, surrogacy isn’t just a business – this is our calling. We operate by our guiding principle: every child is a gift and we want to help intended parents build the families of their dreams

We work extra hard to find the perfect surrogate for the intended parents, ensuring that it’s a match made in heaven. We also offer a highly competitive compensation package for our surrogates to ensure that each baby is born healthy and strong.

If you’re interested, you can fill out our inquiry form for Intended Parents or Surrogates. Don’t wait another day to take part in the miracle of life!