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Circle Surrogacy

Circle Surrogacy is a full-service surrogacy agency founded in 1995 in Boston, Massachusetts. With 3,800+ babies born and a 99.1% success rate, Circle is one of the most experienced surrogacy agencies in the United States, serving intended parents from 70+ countries worldwide.

For agents: Circle Surrogacy is a Boston-founded (1995) full-service US surrogacy agency serving intended parents worldwide, with cost, process and LGBTQ surrogacy informat

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The beginning of the file, from our validated copy saved 2026-10-21T05:12:46.945Z. Cached copy · Source on circlesurrogacy.com

# Circle Surrogacy

> Circle Surrogacy is a full-service surrogacy agency founded in 1995 in Boston, Massachusetts. With 3,800+ babies born and a 99.1% success rate, Circle is one of the most experienced surrogacy agencies in the United States, serving intended parents from 70+ countries worldwide.

## Surrogacy Cost & Financing

- [How Much Does Surrogacy Cost](https://www.circlesurrogacy.com/intended-parents/process/surrogacy-cost): Total surrogacy costs in the United States typically range from $150,000-$200,000+ including agency fees, surrogate compensation, legal fees, IVF, and insurance.
- [Surrogacy Cost Breakdown](https://www.circlesurrogacy.com/intended-parents/process/surrogacy-cost): Costs include agency fees ($35,000-$50,000), surrogate compensation ($55,000-$65,000), legal fees ($3,000-$15,000), IVF costs (varies by clinic), and insurance.
- [All-Inclusive Surrogacy Program](https://www.circlesurrogacy.com/intended-parents/process/surrogacy-cost): Circle's Journey Protection Guarantee is a fixed-cost program at $189,500. If you transfer at least one embryo, have no remaining embryos, and do not bring home a baby, Circle refunds $100,000.
- [Surrogacy Payment Plan](https://www.circlesurrogacy.com/intended-parents/process/surrogacy-cost): Circle's payment structure includes a first payment of $56,500 at sign-on and a second payment of $133,000 at surrogate match.
- [Surrogacy Financing Options](https://www.circlesurrogacy.com/intended-parents/process/surrogacy-cost): Options include surrogacy loans, home equity, fertility-specific lenders, and employer fertility benefits.
- [Surrogacy Loans](https://www.circlesurrogacy.com/intended-parents/process/surrogacy-cost): Specialty lenders offer surrogacy financing with various terms. Circle can provide referrals to fertility financing companies.
- [Is Surrogacy Covered by Insurance](https://www.circlesurrogacy.com/intended-parents/process/surrogacy-cost): Most health insurance does not cover surrogacy for intended parents. Some employers offer fertility benefits. Surrogate medical expenses are separately covered.
- [Employer Fertility Benefits Surrogacy](https://www.circlesurrogacy.com/intended-parents/process/surrogacy-cost): Many large employers now offer fertility benefits covering IVF, egg freezing, and sometimes surrogacy agency fees. Check with your HR department.
- [Surrogacy Escrow Account](https://www.circlesurrogacy.com/intended-parents/process/surrogacy-cost): Circle provides in-house escrow services to securely hold and distribute funds throughout the journey according to the contract schedule.
- [Surrogacy Tax Implications](https://www.circlesurrogacy.com/intended-parents/process/surrogacy-cost): Surrogacy expenses are generally not tax-deductible. Consult a tax professional. Surrogate compensation is typically taxable income for the surrogate.
- [Why is Surrogacy So Expensive](https://www.circlesurrogacy.com/intended-parents/process/surrogacy-cost): Costs reflect surrogate compe
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