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How Much Does Surrogacy Cost in California?

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Surrogacy

For people who want to have children through surrogacy, California is one of the best places in the US to make your dream come true. Apart from having clear, favorable laws regulating surrogacy, the Golden state is also home to some of the country’s leading fertility clinics and surrogacy agencies, making it a prime destination for both intended parents and surrogates.

But how much does surrogacy cost in California? What does the surrogacy cost typically cover? And what financing options are available to those who want to take this route to become a parent? Continue reading to get the answers to all these questions and many more.

The Cost of Surrogacy in California

The surrogacy cost in California varies on a case-to-case basis. Generally, intended parents can expect to spend between $100,000 and $210,000 to have a baby through surrogacy in California. Surrogacy Cost will depend on a number of factors, including the type of surrogacy, medical procedures required, the Surrogacy agency the parents partner with, etc.

To help you understand the surrogacy cost, we would like to explain the different expenses that you may incur during the surrogacy process.

Surrogacy Cost: The Break Down

The cost of surrogacy can be divided into several categories, such as agency fees, surrogate costs, medical expenses, legal fees, and miscellaneous expenses.

1.   Agency Fees

While intended parents also can choose to navigate the surrogacy process on their own (independent surrogacy), most people prefer to work with a reputable agency for their journeys. Surrogacy agencies offer a wide range of services to ensure the process goes smoothly and hassle-freely while making sure that all necessary legal requirements are met. These may include advertising, screening, matching, support, counseling, and overall coordination of the surrogacy professionals involved. Agencies charge a fee for their services, ranging between $20,000 and $ 32,000.

2.   Medical Costs

Surrogacy involves a lot of medical procedures, from surrogate screening to IVF and delivery. IVF is a fertility process where the eggs and sperm from the intended parents or paid egg donors / sperm donors  are “combined” to create embryos, which are then placed in the surrogate’s womb. One cycle of IVF costs around $12,000 to $15000. Bear in mind, though, that two or more cycles may be required to achieve a pregnancy. When you include the costs of medications, prenatal care, and delivery, the medical expenses can add up to $50,000 or even more.

3.   Legal Fees

Even if you are pursuing independent surrogacy, you will still need to hire an attorney to help you handle the “often complicated” legal aspects of the surrogacy process. The lawyers assist with the drafting and negotiation of the surrogacy contract and help establish the parentage of the surrogate baby. They also ensure that the rights of both the intended parents and surrogates are well-protected during the journey. Although legal fees vary by agency, the average cost ranges from $6,900 to $13,000.

4.   Surrogate Costs

The surrogate pay accounts for a significant portion of the surrogacy cost. Gestational carriers receive generous compensation for the effort, time, and sacrifice throughout the surrogacy process. The amount a surrogate gets depends on her level of experience, insurance coverage, course of the pregnancy, etc. The base payment for a surrogate in California is estimated at around $36,000 to $50,000.

5.   Miscellaneous expenses

In addition to the costs above, prospective parents also need to budget for extra expenses that may arise during the surrogacy journey. These include travel expenses (if the surrogate or intended parents have to travel for medical appointments), surrogate insurance, and other unexpected costs. It’s hard to put a figure on the possible miscellaneous expenses, as they vary based on individual circumstances.

Now that you know how much your surrogacy is likely to cost, you might wonder whether your insurance can help pay for some of the costs.

Does Insurance Cover Surrogacy in California?

Insurance companies don’t usually cover surrogacy pregnancy. However, California is one of the few states where they are mandated to pay for infertility treatments, but this does not include in vitro fertilization (IVF). So, it’s important to check with your would-be surrogate to know if she has insurance and what parts of her fertility treatment can be covered by her insurance.

Even when an insurance company covers a surrogacy pregnancy, they don’t usually pay for all the medical procedures required. Therefore, your gestational carrier needs to reach out to her insurer to know what’s covered and what’s not.

If the surrogate is uninsured, you may want to contact your insurance provider to find out what they do and do not cover regarding the surrogacy process.

How Can You Afford a Surrogacy in California?

Surrogacy can be costly, but that does not have to stop you from pursuing your dream of starting or growing a family. Below are the options intended parents can explore to be able to pay for a surrogacy journey in California:

●    Fundraising:

 As an intended parent, you may decide to start an online fundraiser or seek donations to finance your surrogacy journey. You can host an event to raise funds or sell something of value to get the money to cover the costs of having a baby via a surrogate.

●    Grants:

Several organizations award grants to people looking to become parents through surrogacy. Some of these include RESOLVE, Baby Quest Foundation, Journey to Parenthood, Pay It Forward Fertility Grants, and so on. You will have to submit an application, and if you fulfill the organization’s criteria, you may get a grant.

While some organizations may require a certain religious affiliation, others only provide grants to people from a particular state. In some cases, only those who are pursuing surrogacy due to infertility are able to get a grant. So, you may want to do your research on them and apply to those for which you qualify.

●    Home Equity Line of Credit:

 If you are a house owner, you can consider getting a home equity line of credit to fund your surrogacy in California. To qualify, you will need to have a strong credit score, sufficient income, a low debt-to-income ratio, and a good payment history.

●    Credit cards:

Another common financing option is using credit credits to pay your surrogacy costs. But credit credits often come with high-interest rates. So, if you are considering covering some of your surrogacy expenses, you should try to pay more than the minimum amount due every month, so you can offset the accrued balance more quickly.

●    Agency Financing Programs:

 Many surrogacy agencies will be able to offer you a payment plan for your surrogacy process, so you will have to pay the whole surrogacy cost in advance. Your agencies can also recommend financing programs, including fertility loans and grants, for you to consider. Speak with your surrogate representative to find out if they have any financing options for you.

●    Borrow from a 401 k:

 As a last resort, you may also dip into your retirement account to pay for surrogacy. However, borrowing from your 401K can have undesirable consequences, so you should understand the terms and conditions of the loan and ensure that you have a plan in place to repay the loan as quickly as possible.

The Takeaway

On average, the cost of a surrogacy journey in California can range from $100,000 to $210,000. However, the actual amount will depend on your agency, the services required, and many more. So, it’s important to conduct your research and get quotes from several clinics and agencies if you are considering building your family via surrogacy.

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People & Lifestyle

Thabo Mbeki to lead Commonwealth observers for Nigerian elections

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Former President of South Africa, H.E. Thabo Mbeki, will lead a team of Commonwealth election observers to Nigeria, which will be holding Africa’s largest democratic exercise later this month when it holds general elections on 25 February 2023.

Commonwealth Secretary-General, the Rt Hon Patricia Scotland KC, constituted the Commonwealth Observer Group following an invitation from Nigeria’s Independent National Electoral Commission.

As of January 2023, an estimated 93.4 million registered voters will have the right to cast ballots for presidential and national assembly candidates in 176,846 polling units across 774 local government areas.

Announcing the group, the Commonwealth Secretary-General said:

“The Commonwealth remains a committed and reliable partner in Nigeria’s continuing journey towards peaceful democratic governance. Since 1999, we have observed all six general elections in Nigeria and the deployment of this observer group is a testament to the Commonwealth’s enduring support for the promotion of the culture, processes and institutions of democracy in Nigeria.

“In accordance with the values and principles of the Commonwealth Charter, the work of the group seeks to promote transparency, strengthen democracy and the rule of law, and protect the right of the people of Nigeria to participate in credible, transparent and inclusive elections to shape their society.

“This month’s elections hold immense significance not just for Nigeria, but for the entire African continent and the wider democratic world. It is, therefore, essential that all stakeholders in Nigeria reaffirm their shared commitment to ensuring a peaceful election environment which is conducive to the free exercise of people’s franchise and in which fundamental freedoms and rights are respected.”

She also expressed her appreciation to President Mbeki for accepting her invitation to lead the group and to each observer for agreeing to undertake this important assignment on behalf of the Commonwealth.

The mandate of the group, which is independent and impartial, is to observe the preparations for the election, the polling, counting and the results process, and the overall electoral environment. The observers will assess the conduct of the process as a whole and, where appropriate, make recommendations for the strengthening of the electoral system in Nigeria.

Before deployment to different parts of Nigeria, the group will also have briefings with the electoral authorities, political parties, law enforcement agencies, the media and civil society groups representing women, youth and people with disabilities.

Upon completion of its assignment, the group will submit its recommendations in a report to the Commonwealth Secretary-General, who will forward it to the Government of Nigeria, the Independent National Electoral Commission, the leadership of political parties taking part in the elections and all Commonwealth governments. The report will be made public afterwards.

The Commonwealth Observer Group comprises 16 eminent persons from around the Commonwealth, including politicians, diplomats and experts in law, human rights, gender equality and election administration. The full team is listed below.

The observers will be in Nigeria from 18 February to 2 March 2023. They will be supported by a staff team from the Commonwealth Secretariat led by Joshua Setipa, Senior Director of the Strategy, Portfolio, Partnerships and Digital Division.

The Commonwealth Observer Group members, in alphabetical order by country name, are:

  • H.E. Thabo Mbeki (Chairperson), Former President, South Africa
  • Ian Browne, Deputy Chief Electoral Officer, Electoral and Boundaries Department, Barbados
  • Hon. Pelonomi Venson-Moitoi, Former Minister of Foreign Affairs,Botswana
  • Dr Andrew Knight, Distinguished Professor, Fulbright scholar and expert in terrorism and security, Canada
  • Tara Chetty, Human rights and gender expert, Fiji
  • Emmanuel Akwetey, Executive Director, Institute for Democratic Governance, Ghana
  • Dr Mohamed Chambas, Former United Nations Special Representative of the Secretary-General for West Africa and the Sahel, Ghana
  • Hon. Amina Mohamed, Former Cabinet Secretary for Sports, Heritage and Culture, and former Cabinet Secretary for Foreign Affairs, Kenya
  • Linda Bonyo, Legal and data analytics expert, Kenya
  • Seabata Motsamai, Chairperson, Lesotho Council of Non-Governmental Organizations, Lesotho
  • Rt. Hon. Martin Ngoga, Speaker, East African Legislative Assembly, Rwanda
  • Hon. Sarah Flood-Beaubrun, Former House Assembly Speaker, Former Minister for Women Affairs and Former Deputy Permanent Representative to the United Nations in New York, Saint Lucia
  • Dr Gregory Mills, Director, Brenthurst Foundation, South Africa
  • Josephine Karungi, Journalist, Uganda
  • Dr Alex Vines, Director, Africa Programme, Chatham House, United Kingdom
  • Kryticous Nshindano, Former Chief Electoral Officer, Zambia Electoral Commission, Zambia

 

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People & Lifestyle

How to mute someone on Instagram?

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Are you looking to limit your interactions with someone on Instagram or Do you want to stop hearing notifications every time someone messages you on Instagram, Have you had enough of their posts cluttering your feed? Then you’re in luck! In this blog post, we’ll be taking a look at how you can mute someone on Instagram so that you can keep your newsfeed clean and tidy.

Muting someone on Instagram is easy, and you can quickly silence the notifications from someone without having to block them. This allows you to keep up with their posts without being bombarded with notifications

In this article, we will provide a step-by-step guide on how to mute someone on Instagram. We will also explain how to unmute someone if you decide to do so in the future. So, let’s get started!

How to mute someone on Instagram?

If you are new to Instagram and want to get more followers, you can buy Instagram followers to increase their count. Also, Instagram makes it easy to mute people and conversations so you don’t have to see their posts or messages. 

Here’s how to mute someone on Instagram.

Step 1: Tap the chat with the person you want to mute/unmute. You can find chats in your inbox or by tapping the speech bubble icon in the top right of your Instagram home page.

Step 2: Tap the three-dots icon in the top right of your chat.

Step 3: Tap Mute or Unmute next to Mute Messages to mute/unmute someone.

Once you’ve muted someone, you’ll no longer receive notifications for their posts or messages. You can also mute group chats by tapping the three-dots icon in the group chat and tapping Mute.

That’s it! Muting someone on Instagram is a great way to keep your feed and inbox free from unwanted posts and messages. Just remember to unmute that person if you change your mind and want to see their posts or messages again.

You can increase your post visit by buying Instagram followers. To know in detail, visit – Buy Instagram Likes.

Conclusion

Muting someone on Instagram is a great way to manage your conversations and keep your inbox organized. All you need to do is open the chat with the person you want to mute or unmute, tap the top right of the chat, and tap the mute or unmute button. 

This will allow you to have more control over your conversations and help you stay on top of your notifications. With this feature, you can communicate with people without having to be bombarded by their messages.

Muting someone on Instagram is a great way to keep your conversations organized and your inbox clutter-free. Try it out today to have more control over the messages you receive.

 

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Jumia appoints Sunil Natraj as new Ghana CEO

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Jumia, the leading e-commerce platform in Africa, has announced the appointment of Sunil Natraj as Ghana’s new Chief Executive Officer. He takes over the leadership mantle from former CEO, Tolulope Thomas.

“I am very excited to take up this enormous responsibility to lead such a great team of enthusiastic professionals. E-commerce is fast growing in Ghana, and I believe the time to drive growth and impact lives in Ghana through the internet is now. I look forward to a successful journey of sustainability and profitability, and I believe that together with all our stakeholders, we will achieve amazing things.” said Sunil Natraj upon his appointment.

 

Sunil brings with him a wealth of experience; He joined Jumia in 2022 with extensive experience in Sub-saharan Africa. In Jumia, he has been handling the Jumia Express logistics business as VP of Sales and Marketing. In his short time at Jumia, he has worked towards cost definitions and reduction, price definition and standardization, and business development. He has managed and built brands in the region and has handled large businesses with turnovers in excess of USD 150mn per annum. He has been based in Ghana for over 9 years, where he worked for GBFoods – a large food-producing multinational with operations in Europe and Africa. Sunil holds a B.S in Engineering and an MBA from The Indian Institute of Management Calcutta.

He looks forward to driving growth in Jumia’s Ghana operations while working closely with all stakeholders to ensure partner development and consumer satisfaction as the company scales toward profitability.

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Jameson Widens The Circle With Jameson Connects GH 2023: A Celebration of Freedom and Creativity

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Jameson Connects Gh is back and this year’s edition promises to be better elevated and more connected. (more…)

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Guest Blog: Is religion becoming Ghana’s new parliament?

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When religion begins to influence policies that affect every single person, then there is a problem. Religious beliefs are private and personal, but laws are not,” says Alex Kofi Donkor. (more…)

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MTN Ghana Reviews Tariffs Upward

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NOEL KOJO GANSON CHIEF COMMERCIAL OFFICER MTN

Scancom PLC (MTN Ghana) has announced an upward review of the tariffs of its products and services effective February 07, 2023.

The review is as result of two changes. Firstly, the implementation of the 2.5% statutory adjustment of VAT from 12.5% to 15% across all services. This will impact both Prepaid and Post-paid customers. Secondly, MTN Ghana is proceeding with a 15% average upward review of its mobile data tariffs which was originally announced in November 2022 and was subsequently put on hold. The increase in mobile data tariffs will impact both Pay Monthly and Pay-As-You-Go users. The review in mobile data bundle offers cover products available on the short codes 138 & 170, as well as on purchases through Electronic Voucher Distribution (EVD), MTN Pulse, and Data Zone except for XtraTime.  The data tariff increases do not apply to Fiber Broadband and Fixed Wireless Access (4G Router / Turbonet) customers.

With this review, voice users will receive less airtime due to the VAT implementation, and mobile data customers will receive less data bundle allocations for the same price purchased before the tariff increase was made.

The Chief Commercial Officer for MTN, Mr. Noel Kojo-Ganson, explained the impact by giving an example of how the new pricing will work. He said, following the review, a three cedis airtime purchase before the VAT increase, which previously gave customers 24.4 minutes will now give customers 23.9 minutes, whilst a three cedis data bundle which previously gave customers 471 MBs will now give customers 401 MBs.

Explaining the reason for the upward review of the Data Bundle prices, Mr. Noel Kojo-Ganson said the review was necessitated by the recent economic shifts leading to increasing cost of operations largely due to continuous increase in inflation. “These economic shifts have impacted us directly and for us to ensure we have the right balance for sustaining growth and investments into the network, we have had to consider price increases in various segments of our business.”

Mr. Kojo-Ganson added, “MTN recognises that we are in very tough times and would like to assure our customers that we will continue to offer them the convenience and flexibility in the purchase of data bundles at their desired price points via the MTN Flexi and Non-Expiry Bundles. Also, customers will continue to enjoy the 50% bonus incentive on mobile data purchases via MyMTN App & MoMo (valid for 7 days) for 4G customers”.

MTN remains committed to investing USD1 Billion by 2025 to continue its network expansion and improve the network experience for customers. In line with our Ambition 2025 strategy, our purpose is to lead digital solutions for Africa’s progress.

For more information on the revised prices for the data bundle offers, visit www.mtn.com.gh.

 

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