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[quote=Anonymous][quote=Anonymous]I don't agree that you have to pay her or it's a red flag. OP, if your SIL is willing to do it for you without you paying her, that's a remarkably lovely gift.

Trying to remember off the cuff our expenses from about 3 years ago: you will still need to pay a lawyer to draft up a contract and handle the paperwork around a birth certificate for you. That'll probably be around $10-$12K. Then you'll need to pay the IVF fees plus meds, which with no insurance may be around $20-25K - and that's IF you're lucky and get viable embryos from the first cycle; it could easily be double that or more. There'll be probably ~$2K in psychiatry fees because a reputable clinic is going to require you, your surrogate, and then the two of you together + your spouses if you both have them, to do a psychological consult before proceeding.

You'd want to make sure your SIL's health insurance will cover her pregnancy when she is acting as a surrogate - some policies have specific exclusions, in which case you'd be on the hook for all expenses related to the carrying and birth out of pocket. You'll have to cover all the deductibles and extras for her, so maybe around $5K-$10K there. If you cover things like housecleaning, childcare, maternity clothing, mileage for her doctor visits, etc., that could easily be another $5K. With our GC we also paid about $1K for a short term life insurance policy in case the worst happened and an additional several hundred dollars for insurance to cover compensation if she e.g. had to have a hysterectomy as a result of the pregnancy, had to have a C-section, etc. If she needs to take time off work and you will be compensating her for that, that's a variable. Also consider what would happen if she needs to go on bed rest at some point in the pregnancy and how you'd handle compensation for that.

A lawyer who is experienced in this field can really help you understand the costs and factors involved and I'd highly recommend talking to one of them before proceeding further. They'll be able to give you a real understanding of the likely costs involved and share all the variety of things you have no idea you don't know that you really will want to think about before proceeding. The cost of that consult would be very well worth it, and some surrogacy lawyers will give you a free consult up front.[/quote]

Thanks. I already have embryos made thank god. So the IVF part would only be transfers. [/quote]

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