Easily the most common question we are asked is "How much does it cost to adopt a child?"
There are many factors that determine how much it costs to adopt a child, including:
whether you adopt through a domestic adoption agency, a domestic independent adoption, an international adoption professional or the foster care system.
the variable adoption expenses (medical, legal, living) required to complete the adoption.
the type of adoption professional you choose and how they structure their costs.
American Adoptions specializes in private domestic adoptions of healthy newborns. In 2014, our average total adoption cost for our two adoption programs were:
Median: $39,189/Average: $40,121
57% of families received a refund
Average refund amount: $2,500
Median: $31,789/Average: $30,789
60% of families received a refund
Average refund amount: $3,000
American Adoptions includes several important benefits worked into our total adoption costs, all of which helped our adoptive families collectively save hundreds of thousands of dollars last year:
1. Fixed Agency Fees – Our agency fees remain fixed regardless of the total cost of the adoption or the number of hours required by our staff to complete the entire adoption process.
2. Refunds – In 2014, 58 percent of adoptive families received a refund from their adoption, ranging from a few hundred dollars to several thousand dollars. American Adoptions always prepares families financially for the worst-case scenario by collecting medical expenses to cover any retainers, co-pays or out-of-pocket medical expenses not covered by Medicaid or other insurances. Once the adoption is finalized, any unused money for medical expenses is given directly back to the adoptive family.
3. Adoption Disruption Insurance/No Rollover Policy – Most adoption professionals are unable to offer any kind of adoption disruption insurance, but the ones who do usually use a “rollover” process, meaning they roll your lost money over into a future adoption situation. So what are the disadvantages of this policy?
You and your money are stuck with the adoption professional in hopes that you will receive another adoption opportunity, yet there is no guarantee that you will.
If you locate an adoption opportunity with another adoption professional, you are unable to pursue it with the money you’ve already invested.
If the adoption professional goes out of business, your money is lost forever.
Instead of using the rollover process, American Adoptions makes it very simple for families with our Risk-Sharing Program. In the event of an adoption disruption, any post-activation money you’ve invested with our agency, such as living expenses, medical expenses, legal expenses, termination expenses and fixed agency fees are directly refunded to you so that you can pursue another adoption situation immediately. Even though some families suffer emotional disappointments, they never suffer financial disappointments.
If you are concerned with how much adopting a child may cost, remember that you set your maximum adoption budget and will be presented adoption situations of women who fall within or below your budget based on the total cost of the adoption. You may also be presented with adoption situations where the adoption cost is above your budget, based on the birth mother’s circumstances throughout her pregnancy. You are not obligated to accept these adoption opportunities; however, many families have pursued these situations outside of their budget because they were able to adopt sooner.
Some prospective adoptive families wonder why it costs a significant amount of money to adopt a child, especially when the cost of foster care adoption is minimal.
The following is an itemized list of American Adoptions’ services and fees required to successfully complete an adoption:
Professional Services for Adoptive Parents
Counseling and educational preparation for adopting a child
Orientation conferences, meetings and adoption seminars
Arrange, coordinate and oversee entire adoption process
Support and education throughout adoption process
Contact with home study professional
Hospital documentation, retrieval of medical records
General case management services and file documentation
Risk-Sharing Program in the event of a disruption
Post-adoption support gatherings and events
Professional Services for Birth Parents
Screening and evaluating of birth parents’ commitment to adoption
Adoption counseling and education
24/7 support throughout adoption process
Develop adoption plan around birth mother’s needs and wishes
Develop hospital plan and coordinate with health professionals
Arrange housing and travel arrangements if necessary
Post-placement adoption counseling
Birth Parent Expenses
Prenatal care not covered by Medicaid or insurance
Delivery and hospital costs not covered by Medicaid or insurance
Court-approved living expenses for pregnancy-related costs
Newborn Care and Services
Hospital costs not covered by Medicaid or insurance
Original birth certificates
Physical examinations by a pediatrician
Any necessary foster care services
Termination of parental rights, including publications, court costs, attorney fees
Finalization of adoption
Legal counsel for adoptive family and birth mother based on state laws
Court reporting services
State and local background screenings
State abuse registry clearances
Diligent search for birth fathers
Adoptive Family and Birth Parent Correspondence
Pre-placement contact mediation
Post-placement contact mediation
Letters/pictures correspondence to maintain confidentiality for 18 years
Extensive advertising: Google/Bing, Yellow Pages, Crisis Pregnancy Centers
Adoptive Family Profile
Adoptive Family Video Profile
Website Updates and Maintenance
This is just a brief look into the overall process of growing a family through adoption. To learn more details about how much it costs to adopt a child with American Adoptions, call 1-800-ADOPTION today or request free adoption information.
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