If you’ve been exploring surrogacy in the United States, you’ve probably come across ads for “all-in” packages. They sound ideal—simple, predictable, and stress-free: “Pay one price, and everything’s covered!” It’s an attractive promise, especially in a process as emotionally and financially overwhelming as surrogacy. But here’s the truth: most “all-in” programs aren’t truly all-inclusive. Necessary costs are often excluded, and if you’re not careful, you could face tens of t