How Much Does Surrogacy Cost in Tennessee (2025)
The average cost of surrogacy in Tennessee is between $90,000 and $150,000 according to recent analysis but it vary depending on many factors like locations, services needed, surrogate compensation, number of attempts needed.
Thinking about surrogacy in Tennessee but worried about the cost? Starting this journey is both thrilling and can be expensive. But, with the right info and help, you can feel confident about it.
This guide will cover the average cost of surrogacy in Tennessee. We’ll break down all the costs you might face.
Get in touch for FREE SURROGACY CONSULTING:
Mobile: +91-8800481100 ( WhatsApp, Line, Viber)
Email: neelam@ivfconceptions.com
Key Takeaways
- The average cost of surrogacy in Tennessee is between $90,000 and $150,000 according to recent analysis.
- Costs can change based on your situation and what you need for the process.
- It’s key to know the costs, like agency fees, medical bills, and legal fees, for planning.
- Things like the type of surrogacy, the surrogate’s health, and the agency’s experience can affect the cost.
- Looking into financing options, like loans, payment plans, and grants, can help with the cost of surrogacy.
- You can opt for international surrogacy countries like Georgia, Ukraine, Mexico and Colombia for more affordable surrogacy journey.
More Resources to Read:
Cost of Surrogacy in USA: What to Expect
Who Can Become Surrogate Mother: Requirements And Info
Surrogate Mother Cost for Twins: What to Expect
Average Cost for Surrogacy: Detailed Breakdown
Understanding Gestational Surrogacy in Tennessee: An Overview
Surrogacy is a complex and life-changing process. It’s when a woman, the surrogate, carries and delivers a child for another person or couple, the intended parents. In the U.S., there are two main types: traditional and gestational surrogacy.
What is Surrogacy?
Surrogacy is a way to have a baby through assisted reproduction. A woman, the surrogate, agrees to carry a pregnancy for another person or couple, the intended parents. The surrogate might or might not be genetically related to the child, depending on the arrangement.
Types of Surrogacy
- Traditional Surrogacy: Here, the surrogate is the genetic mother. Her egg is fertilized, usually by the intended father’s sperm or a donor’s sperm.
- Gestational Surrogacy: In this, the surrogate carries a pregnancy. The embryo is made from the intended parents’ or donors’ eggs and sperm. She has no genetic link to the child.
Legal Considerations
The laws on surrogacy in the U.S. differ by state. In Tennessee, gestational surrogacy is allowed, with certain rules and steps to establish legal parentage. The state requires a genetic link between the intended parents and the child. The surrogacy agreement must also get court approval.
Intended parents, whether married or single, including LGBTQIA+ individuals, can pursue surrogacy in Tennessee. They need to follow extra legal steps for the non-genetic parent.
Legal Consideration | Tennessee |
Genetic Connection Requirement | At least one intended parent must have a genetic connection to the child |
Surrogacy Agreement Approval | Must be pre-approved by the court |
Intended Parents | Married couples and single individuals, including LGBTQIA+ parents |
Compensated Surrogacy | Permitted |
Residency Requirements | No specific residency requirements for intended parents |
Knowing the legal side of surrogacy in Tennessee is key for both intended parents and surrogates. It ensures a smooth and fair process.
Average Surrogacy Costs in Tennessee
The total cost of surrogacy in Tennessee ranges from $90,000 to $150,000. This is similar to the national average. However, Tennessee might be slightly cheaper than states like California or New York. The state’s laws can also add to the legal fees.
State-Specific Expenses
In Tennessee, first-time surrogates get paid between $48,000 and $50,000. This amount depends on their insurance. Surrogates can get extra money for each successful surrogacy.
Other costs include:
- $400 for medical screening
- $500 contract signing bonus
- $1,500 for cycle medication and transfer fee
- $5,000 extra for carrying twins
- $2,000 for a C-section delivery
- $750 for maternity clothing ($1,000 for twins)
- $200 monthly expense allowance during pregnancy
Intended parents must pay for travel, counseling, legal fees, life insurance, and medical costs. This includes health insurance if needed.
National Comparisons
The average surrogate pay in Tennessee is about $45,000. This is lower than the national average. But, the total cost of Affordable Surrogacy Memphis can still be $90,000 to $150,000. This is due to extra expenses and agency fees.
Expense | Tennessee Average | National Average |
Base Compensation for Surrogates | $48,000 – $50,000 | $50,000 – $60,000 |
Additional Payments | Up to $5,000 | Up to $10,000 |
Total Cost of Affordable Surrogacy Memphis | $90,000 – $150,000 | $100,000 – $150,000 |
Breakdown of Surrogacy Costs in Tenessee
Understanding the costs of surrogacy in Tennessee is key. The costs include agency fees, medical expenses, and legal fees.
-
Agency Fees
Agency fees in Tennessee are between $15,000 and $30,000. These fees cover the agency’s work, like matching and support.
-
Medical Expenses
Medical costs for surrogacy in Tennessee are $30,000 to $60,000. This includes fertility treatments and pregnancy care. Costs vary based on the surrogate’s health.
-
Legal Fees for surrogacy
Legal fees for surrogacy in Tennessee are $5,000 to $15,000. These fees cover legal contracts and court proceedings.
The cost of surrogacy in Tennessee can change based on several factors. These include the agency’s experience and the surrogate’s health.
Prospective parents should research and talk to experts to understand their costs.
Factors Influencing Surrogacy Costs
When you think about surrogacy in Tennessee, there are many things to consider. The cost can change based on the type of surrogacy, the surrogate’s health and experience, and the agency’s reputation. Each of these factors can affect the final cost.
-
Type of Surrogacy Chosen
The type of surrogacy matters a lot. Traditional surrogacy is cheaper, but gestational surrogacy, where the surrogate doesn’t use her own egg, costs more. This is because gestational surrogacy needs more medical steps. The cost for using a surrogate in the U.S. can be between $90,000 and $130,000. The surrogate gets between $25,000 to $50,000 for her part.
-
Health of the Surrogate
The surrogate’s health and past pregnancies also affect the cost. First-time surrogates in Tennessee might get $50,000 to $90,000. But, if the surrogate has already had a successful pregnancy, she can get more, between $60,000 to $110,000.
Surrogates need to have had a healthy pregnancy before and not have too many c-sections.
-
Experience of the Agency
The agency’s reputation and experience also matter. In Tennessee, the cost of surrogacy can change a lot based on the agency.
Good agencies with lots of experience might cost more. But, they offer a lot of support and help during the process.
Factor | Impact on Surrogacy Cost |
Type of Surrogacy | Gestational surrogacy is more expensive because it needs more medical steps. |
Surrogate Health and Experience | First-time surrogates get $50,000 to $90,000. Experienced ones get $60,000 to $110,000. |
Surrogacy Agency Reputation | Good agencies might cost more but offer more support and help. |
Additional Expenses to Consider
When planning for surrogacy in Tennessee, remember there are extra costs. These include insurance, counseling, and other things that can add up. These costs can change the total price a lot.
Insurance Coverage
Insurance for the surrogate is a big extra cost, from $15,000 to $30,000. It’s important to protect everyone from unexpected medical issues. Thinking about Insurance Coverage Tennessee is key when planning the surrogacy cost in the USA.
Counseling Services
Counseling for everyone involved is also a big expense, from $2,000 to $5,000. These sessions help everyone deal with the emotional side of surrogacy. They make sure the journey is positive for all.
Other extra costs include travel, lost wages for the surrogate, and other small things. When planning for surrogacy cost in the USA, remember these can add $20,000 to $50,000 to the total.
Financing Options for Surrogacy
Starting the surrogacy journey is exciting but can be costly. Luckily, there are many ways to finance it, even with a small budget. Options include personal loans, payment plans, and grants. These help make affordable surrogacy options and low-cost surrogacy destinations more accessible.
Personal Loans
Personal loans are a good choice for surrogacy financing. They offer competitive rates and flexible repayment terms. This way, you can pay over time. Prosper Healthcare Lending has helped over 250,000 people, including those seeking surrogacy.
Payment Plans
Some agencies, like Family Inceptions, offer payment plans. These plans are tailored to fit your budget. They help manage monthly payments and lower upfront costs.
Grants and Scholarships
Organizations like the Baby Quest Foundation and the Family Formation Charitable Trust offer grants and scholarships. These can save you $5,000 to $10,000 or more. They’re especially helpful for those with financial need.
Exploring these financing options can help you achieve your dream of having a family through surrogacy. Even in low-cost surrogacy destinations, with careful planning, parenthood becomes more accessible.
Pros and Cons of Using a Surrogacy Agency
Choosing between a surrogacy agency and an independent arrangement is key. Agencies in Chattanooga offer great support but come with costs. Knowing the pros and cons helps make a choice that fits your budget and needs.
Aspect | Pros of Using a Surrogacy Agency | Cons of Using a Surrogacy Agency |
Support System | They provide full support, including screening, legal advice, and emotional counseling. | None noted. |
Efficiency | They make the process smoother with medical partnerships and coordination. | None noted. |
Expertise | You get access to experienced professionals and trusted networks. | None noted. |
Financial Investment | It ensures quality services and peace of mind. | Agency fees are $15,000 to $30,000, increasing costs. |
Independence | They handle legal, medical, and logistical tasks for you. | It may not save money compared to going it alone. |
Flexibility | They offer a structured process for those new to surrogacy. | It may not fit those with a tight budget or who want to be more involved. |
Understanding these pros and cons helps you decide if a surrogacy agency is right for you. It’s about finding what fits your financial and emotional needs for a successful journey.
Selecting a Surrogate in Tennessee
Finding the right surrogate is key in the surrogacy journey. In Tennessee, parents work with trusted agencies to find their surrogate. They look at the surrogate’s health, qualifications, and if they match with the parents.
Criteria for Choosing a Surrogate
Surrogates in Tennessee must meet certain criteria. These include:
- Age range of 21-41 years old
- At least one successful pregnancy and currently raising a child
- No felony convictions or major complications from previous pregnancies
Agencies match parents with surrogates carefully. They aim to find a good surrogate mother in 30-90 days.
Screening Processes
Potential surrogates go through a detailed screening. This includes:
- Physical evaluation by doctors at the agency’s fertility center
- Mandatory counseling sessions for both the surrogate and intended parents
- Legal contract review and execution with the support of an attorney
- Ongoing monitoring and support throughout the pregnancy
The agency tries to find more low-cost surrogates across the U.S. This ensures a wide range of candidates for parents.
Surrogacy Matching Timeline | Compensation Details |
Average wait time to find a surrogate: 1-6 months | Average surrogate compensation: $45,000 |
Surrogacy matching within 30-90 days through the agency | Exclusive Parent Protection Fee for reimbursement in case of an unsuccessful journey |
Choosing the right surrogate in Tennessee is crucial. It ensures a safe and successful journey for parents.
Legal Aspects of Surrogacy in Tennessee
Tennessee recognizes surrogacy agreements. However, they must follow specific rules to be valid. Legal fees for drafting contracts can range from $5,000 to $15,000. Same-sex couples or single parents might need extra legal steps.
Surrogacy Agreements
Tennessee allows both traditional and gestational surrogacy. Surrogacy contracts cover important details like compensation and rights. While there are no specific laws, court opinions guide the legal process.
Parental Rights
In Tennessee, getting pre-birth parentage orders is usually easy for genetically related parents. But, for others, adoption might be needed. Same-sex couples and single parents face extra challenges.
Legal Considerations | Tennessee Surrogacy Laws |
Compensated Surrogacy | Allowed |
Traditional Surrogacy | Legal with specific provisions |
Surrogacy Contract Enforceability | No specific laws, guided by court opinions |
Parentage Orders for Gestational Surrogacy | Obtainable for intended parents |
Surrogacy with Donated Embryos | Not recommended due to legal complexities |
Surrogacy for Same-Sex Couples | No additional laws, but challenges exist |
Affordable International Surrogacy Options: Exploring Surrogacy Abroad
For many U.S.-based intended parents, surrogacy abroad presents an appealing alternative, combining affordability, streamlined processes, and legally structured programs that may be unavailable domestically.
While the United States is known for its advanced surrogacy practices, the high costs and variable legal landscapes often pose challenges.
In contrast, international surrogacy offers:
- Lower Surrogacy Costs: Substantially reduced financial burdens.
- Global Expertise: Access to experienced professionals across various regions.
- Favorable Legal Frameworks: Simplified pathways to parenthood in countries with supportive surrogacy laws.
- No wait for Surrogates- Most of the international surrogacy countries offer no to very little wait period for surrogate matching.
By exploring surrogacy abroad, intended parents can realize their dream of building a family without facing the financial strain often associated with domestic surrogacy options. Let us guide you in navigating this journey with confidence and peace of mind.
Country | Type of Surrogacy Allowed | Eligibility | Cost Range | Legal Status |
Georgia | Gestational (Commercial) | Heterosexual married couples | $50,000–$75,000 | Legal, with contracts that are legally binding. |
Ukraine | Gestational (Commercial) | Heterosexual married couples | $45,000–$70,000 | Legal, with clear parental rights post-birth. |
Armenia | Gestational (Commercial) | Heterosexual married couples | $50,000–$70,000 | Legal, with parental rights transferred at birth. |
Colombia | Gestational (Commercial & Altruistic) | All couples, including same-sex couples | $60,000–$80,000 | Permitted; contracts are private agreements. |
Mexico | Gestational (Commercial & Altruistic) | Heterosexual and same-sex couples; varies by state | $60,000–$80,000 | Varies by state; legal in Tabasco and Sinaloa. |
Argentina | Gestational (Altruistic & Commercial) | Heterosexual couples, same-sex couples, singles | $50,000–$80,000 | No specific laws; agreements are private. |
India | Altruistic | Only Indian heterosexual couples | Not available for international couples | Restricted to altruistic surrogacy for Indian citizens. |
Below is a detailed overview of key international surrogacy destinations, including their processes, legalities, eligibility requirements, and costs:
SURROGACY IN GEORGIA (COUNTRY)
Aspect | Details |
Process | Well-regulated and streamlined, with established clinics and agencies. |
Legal | Permitted for heterosexual married couples; contracts are legally binding. |
Eligibility | Requires proof of infertility for the intended mother. |
Cost | $50,000–$75,000, significantly lower than U.S. costs. |
SURROGACY IN UKRAINE
Aspect | Details |
Process | Reliable medical facilities and professional surrogacy services. |
Legal | Permitted for heterosexual married couples; parental rights assigned post-birth. |
Eligibility | Requires marriage certificates and medical evidence of infertility. |
Cost | $50,000–$60,000, depending on program inclusions. |
Surrogacy in Armenia
Aspect | Details |
Process | Affordable option with growing medical infrastructure. |
Legal | Recognized as legal; parental rights transfer after birth. |
Eligibility | Open to married heterosexual couples with medical need for surrogacy. |
Cost | $55,000–$65,000, ideal for budget-conscious couples. |
SURROGACY IN COLOMBIA
Aspect | Details |
Process | Features experienced clinics and growing expertise in fertility treatments. |
Legal | Permitted with private contracts; legal frameworks vary. |
Eligibility | Open to all couples and individuals, including same-sex couples. |
Cost | $60,000–$80,000, depending on the complexity of the case. |
SURROGACY IN MEXICO
Aspect | Details |
Process | Long-standing destination with high-quality medical care. |
Legal | Laws vary by state; popular hubs include Tabasco and Sinaloa. |
Eligibility | Open to most couples and individuals; state-specific requirements apply. |
Cost | $55,000–$80,000, offering a cost-effective option near the U.S. |
Surrogacy in Argentina
Aspect | Details |
Process | Gaining recognition for affordability and favorable legal interpretations. |
Legal | No specific laws; private contracts used; parental rights assigned post-birth. |
Eligibility | Open to heterosexual couples, same-sex couples, and single parents. |
Cost | $50,000–$75,000. |
SURROGACY IN INDIA
Aspect | Details |
Process | Allows only altruistic surrogacy for Indian citizens. |
Legal | Commercial surrogacy is prohibited; strict regulations for Indian couples. |
Eligibility | Restricted to Indian heterosexual couples with medical infertility proof. |
Cost | Not available for international couples due to legal restrictions. |
Additional Resources to Read:
Choosing the Best Surrogacy Agency in Georgia Country
The Complete Guide to Surrogacy Cost Without Agency
13 Crucial Factors for Choosing the Right Surrogacy Agency for You
Moving Forward: Next Steps After Deciding on Surrogacy
The cost of surrogacy in Tennessee is between $90,000 and $150,000. This includes agency fees, medical costs, legal fees, and any additional expenses.
Understanding the costs of surrogacy in Tennessee is key. The type of surrogacy, the surrogate’s health, and the agency’s experience can affect costs.
Creating a realistic budget helps prepare for the financial aspects of surrogacy. This way, you can avoid unexpected expenses.
If you’d like to learn more about IVF, Egg Donation, or surrogacy services globally, check out the rest of our website at Ukraine Surrogacy Agency. We offer legally secure and affordable surrogacy consulting services for FREE.
Our team has over 14 years of experience facilitating surrogacy arrangements, egg donation, and serving as an advocacy resource for infertile couples and LGBTQ individuals seeking to build families.
Get in touch for FREE SURROGACY CONSULTING:
Mobile: +91-8800481100 ( WhatsApp, Line, Viber)
Email: neelam@ivfconceptions.com
FAQs for surrogacy in Tennessee
What are the typical agency fees for surrogacy in Tennessee?
Agency fees in Tennessee usually range from $15,000 to $30,000.
What are the average medical expenses for surrogacy in Tennessee?
Medical expenses for surrogacy in Tennessee can be from $30,000 to $60,000.
How much are the legal fees for surrogacy in Tennessee?
Legal fees for surrogacy in Tennessee are between $5,000 to $15,000.
What is the average total cost of surrogacy in Tennessee?
The average total cost of surrogacy in Tennessee is $90,000 to $150,000.
How do the surrogacy costs in Tennessee compare to other states?
Tennessee’s surrogacy costs are similar to national averages. They might be a bit lower than in states like California or New York.
What factors can influence the cost of surrogacy in Tennessee?
Several factors can affect the cost of surrogacy in Tennessee. These include the type of surrogacy, the surrogate’s health, and the agency’s reputation.
What additional expenses should intended parents in Tennessee consider?
Additional costs might include surrogate insurance premiums, counseling services, and travel. These can add $20,000-$50,000 to the total cost.
What financing options are available for surrogacy in Tennessee?
Financing options include personal loans, home equity loans, and fertility-specific loans. Grants or scholarships from organizations like the Baby Quest Foundation and the Family Formation Charitable Trust are also available.
What are the legal requirements for surrogacy agreements in Tennessee?
Tennessee law recognizes surrogacy agreements. They must meet specific requirements to be enforceable. Legal fees for drafting and reviewing contracts are $5,000 to $15,000.
What are some common myths about surrogacy costs in Tennessee?
Myths include thinking surrogacy is always cheaper than adoption and that all expenses are tax-deductible. In reality, costs vary widely, and only some medical expenses may be tax-deductible.
Source Links
- https://connect.asrm.org/lpg/resources/surrogacy-by-state?ssopc=1 – Surrogacy Laws By State – Legal Professional Group
- https://www.investopedia.com/how-much-does-a-surrogate-cost-6752258 – How Much Does a Surrogate Cost?

Highly esteemed, authoritative, and trusted professional with a 14-year of experience in international surrogacy. Advocate for Secure, Legal, and Affordable International Surrogacy.
Neelam Chhagani, MA (Counselling Psychology) and Holistic Infertility and Third-Party Reproduction Consultant.
Member of European Fertility Society, Best Surrogacy Blogger of 2020, with 300 dedicated blogs, and top contributor on Quora for Surrogacy.
Add Your Comment