Surrogacy, along with the accompanying infertility treatments, can be quite challenging from a financial point of view. Determining the exact cost of surrogacy is complicated as there are many variants that come into the picture. The overall surrogacy expenses can be broadly classified into the surrogate's fee, medical expenses, surrogate agency and legal fees. Surrogacy
and infertility treatments
are typically not covered as a part of health insurance. Many couples save for years together, while others borrow from their retirement funds, or bring in funds from home mortgages to be able to afford a surrogacy. Some surrogacy agencies provide financing plans to couples, so they can pay up the overall amount in installments over a period of time, instead of paying up the steep costs upfront. Other payment arrangements could ask of the parents to pay up after the child's birth or in equal installments through the pregnancy.