Budgeting for ART: Understanding the Full Financial Picture

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.
The Courtroom Side of ART
You may never physically appear in court, but court involvement is often necessary to finalize your parental rights. This may include:
- Pre-birth orders:  
Establishing parentage before the child is born so your names are on the birth certificate from day one and legal parentage is clearly established.
 - Post-birth orders:  
Used when state law requires confirmation after delivery.
 - Adoption proceedings:  
Sometimes used to ensure parental rights in cases involving embryo donation or certain donor arrangements.
 
The courtroom isn’t about questioning your parenthood—it’s about  
securing it beyond dispute.
Why You Need a Legal Team on Day One
By partnering with an attorney before your medical procedures begin, you can:
- Ensure contracts comply with local laws.
 - Avoid delays at the hospital or when obtaining birth certificates.
 - Protect your rights as parents, donors, or carriers.
 - Have peace of mind that every step is legally sound.
 
At 
Foster + Bloom Family Formation Law Group (formerly Modern Family Formation), we guide clients through 
every stage of ART—from drafting agreements to securing parentage orders.
Final Thoughts
Assisted reproductive technology makes parenthood possible. Family law makes parenthood secure.
 If you’re building your family through ART, make sure you have legal guidance to match the cutting-edge medical care you’re receiving.
Foster + Bloom Family Formation Law Group is here to help you navigate both worlds—so you can focus on what matters most: welcoming your child home.
Contact us today to learn how we can protect your family at every step of the ART journey.











