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The average cost of surrogacy can range from $90,000 to $130,000 depending on the individual arrangements. In states like California, where surrogates are in high demand, the cost may be slightly higher. Legal requirements and the costs of other services can also vary from state to state.
Using a friend or family member will only reduce the surrogate cost if the woman chooses to not be compensated for the surrogacy. Otherwise, the cost of surrogacy with a friend is similar to the cost of surrogacy with a gestational carrier found for you by an agency and can be between $100,000 and $200,000.
In traditional surrogacy, the surrogate's egg is used to create the embryo of the child she is going to carry (either through intrauterine insemination or in vitro fertilization.) In gestational surrogacy, the intended parents create an embryo using their own egg and sperm or using donated egg or sperm.
In gestational surrogacy, there is no way for a surrogate to transfer DNA to a child, because the intended mother's or donor's egg is used instead of the gestational surrogate's. This complete separation of surrogate-baby DNA is an important point, because it protects everyone involved in the process.
Definition of Terms A surrogate, or traditional surrogate, refers to a woman who shares a genetic link to the child. A gestational carrier is a woman who carries and delivers a child for another couple or individual (aka. the intended parents). She does not have any biological connection to the child.

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A Gestational Carrier is a woman who agrees to have a couple's fertilized egg (embryo) implanted in her uterus. The gestational carrier carries the pregnancy for the couple, who usually has to adopt the child. The carrier does not provide the egg and is therefore not biologically (genetically) related to the child.
An egg retrieval procedure is performed at a fertility clinic or other medical facility. Viable eggs are then transported to a laboratory, where they are combined with sperm to form an embryo. Often, the embryos are genetically tested and then frozen for future use by the surrogate.
During a traditional surrogacy, the surrogate uses her own egg for the conception process. This makes the surrogate the baby's biological mother. Typically, the intended father's sperm is used to conceive the child through a process called artificial insemination.
Your surrogate may have her own medical coverage to cover part of the service if her policy doesn't have a clear exclusion for surrogate pregnancies. If her insurance is subject to exclusions, you may need to purchase a back up plan or a new plan for the surrogacy.
While both surrogacy and adoption can be expensive, surrogacy is the costlier of the two. In adoption, the medical expenses of the birth mother are covered by the adoptive parents. Depending on state laws, prospective birth mothers may also receive living expenses during their pregnancy.

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