Embryo Adoption: The Conception Option You’ve Never Heard About

Compared to IVF or the adoption of a live child, embryo adoption is a financial drop in the bucket, costing between $2,000—if parents are matched at a local fertility clinic like PFC—to $5,000 with a national program like the NEDC or Snowflakes that handles the home study (about $900), medical tests, surgical procedures, legal consents, and shipping embryos from state to state.

To offset those costs, medical insurers that cover infertility treatments may pay for any necessary medications, hormone treatments, or the cost of the embryo transfer (into the mother's womb). Plus, federal tax credits of up to $10,950 will reimburse couples for the home study and possibly other related expenses.