Compensation & Financials: Answers to the Most Common Questions Surrogates Ask

Becoming a surrogate is a life-changing journey—one filled with emotional rewards, deep connections, and, of course, financial considerations. If you’re thinking about becoming a surrogate, it’s natural ask compensation and financial questions about the surrogacy process.

From base pay and bonuses to medical coverage and reimbursements, understanding how surrogate compensation works can help you make an informed decision.

Let’s dive into the most common questions surrogates ask about compensation and financials—so you can move forward with confidence and peace of mind.

1. How much do surrogates get paid?

Compensation varies but in the United States, the average base pay is typically between $45,000-$55,000 (generally more for experienced surrogates). At Little Miracles Surrogacy, we have a base pay of $50,000.

2. Are all medical expenses covered?

Yes! The intended parents cover all medical costs, insurance, and any additional pregnancy-related expenses. These are all in addition to the base pay.

3. Does surrogacy affect my insurance?

Some insurance plans cover costs associated with surrogacy, while others don’t. If yours doesn’t, the intended parents will purchase a special surrogacy-friendly policy for you. If you are planning to become a surrogate, selecting a surrogate friendly insurance during open enrollment may make you a more desirable surrogate.

4. Will I get paid even if I have a miscarriage?

Yes, surrogates receive compensation even if the pregnancy does not continue. Your contract will specify the terms, generally you are compensated up until the date of loss, which can include a prorated payment.

5. Are there additional payments for things like carrying twins or undergoing a C-section?

Yes! Many surrogacy contracts include extra compensation for:

• Carrying twins

• C-section deliveries.

• Invasive procedures or bed rest.

6. What happens if I have to miss work for appointments during my journey?

Additional compensation is built into the contract including but not limited to:

• Lost wages

• Mileage reimbursement at current IRS rate

• Parking reimbursement

• Childcare fee reimbursement

• Partner lost wages

7. Is counseling or therapy covered during my journey?

Yes, additional compensation can be negotiated for items such as:

• Heath & Wellness Counseling

• Fitness Membership

• Therapy

• Life Insurance

• Health Insurance

• Chiropractic Care or Prenatal Massage

We know there are many other questions you may want to ask! Contact us here if you would like to chat!

If you have questions about eligibility and requirements, or medical and legal, click the topic to read previous blogs.

Stay tuned for more frequently asked questions in our next blog! Check out the FAQ page here.