15 October 2025
Starting a family through assisted reproductive technology (ART) —whether through IVF, egg or sperm donation, embryo donation, or surrogacy—is one of the most exciting decisions you can make. But along with the hope and anticipation comes an unavoidable question: How much will this really cost? For many first-time intended parents, ART expenses feel overwhelming because the costs don’t come from one single source. Instead, they’re spread across medical procedures, donor or surrogate arrangements, legal fees, and sometimes even travel. Having a clear financial plan upfront helps you stay focused on your goal rather than worrying about the numbers. Why ART Requires a Comprehensive Budget It's tempting to look only at the price of a single IVF cycle or an agency fee, but ART is rarely just one step. The process may include: Multiple treatment cycles if the first isn’t successful Separate agreements for donors, surrogates, or parentage orders Costs that vary by state law, especially if your clinic or carrier is outside your home state A realistic budget accounts for both expected and unexpected expenses , so you’re never caught off guard. Breaking Down the Major Costs 1. Medical and Fertility Care This typically includes consultations, testing, medications, embryo creation or transfer, and prenatal care for a surrogate. These are the core clinical expenses that vary by treatment plan, insurance and location. 2. Donor or Surrogacy Costs If you’re working with an egg, sperm, or embryo donor—or with a gestational carrier—reimbursement and related expenses must be factored in. 3. Legal Fees ART isn’t complete without legal protections. You’ll need: Donor agreements to establish rights clearly Surrogacy contracts to protect everyone involved Parentage orders to ensure your parental rights are recognized at birth The laws of Maryland, Virginia, and Washington, DC differ significantly, which is why working with an attorney experienced in these jurisdictions is essential to prevent costly delays or disputes. 4. Other Considerations Travel, lodging, agency fees, court filing costs, and even time away from work can add up. Including these in your planning prevents unpleasant surprises. How Legal Planning Saves Money in the Long Run Some families see legal fees as an optional add-on to the medical process—but skipping or delaying legal work can lead to expensive complications: Disputes over parental rights Delays in getting birth certificates Noncompliant agreements that courts won’t honor Engaging an attorney before any procedures begin keeps everything on schedule and ensures every dollar you spend supports your ultimate goal: bringing your child home. Practical Tips for Financial Planning Ask for detailed estimates from every provider—clinic, agency, and attorney. Consider the possibility of more than one IVF cycle and plan accordingly. Review insurance coverage —including supplemental policies for surrogates if needed. Look for employer benefits or financing options that can offset out-of-pocket costs. Build in a legal budget upfront rather than waiting until later in the process. Final Thoughts Budgeting for ART isn’t just about calculating expenses—it’s about peace of mind. When you have a clear understanding of the financial landscape, you can focus on what truly matters: creating your family. At Foster + Bloom Family Formation Law Group , we help intended parents, surrogates, and donors navigate ART with confidence. By clarifying legal requirements early, we help you avoid unexpected costs and protect your parental rights every step of the way. Ready to plan for both the emotional and financial sides of ART? Contact Foster + Bloom Family Formation Law Group to schedule a consultation today.