What Is Adoption?

“Giving a Baby Up” for Adoption – Money Questions You Have


If you are pregnant and considering adoption for your child, it is likely you are facing many tough decisions and dealing with a variety of emotions. Although each situation is unique, for many, the financial burdens of pregnancy and parenting are often a large concern and play a large role in their adoption decision.

With so much uncertainty surrounding an unplanned pregnancy, you may be wondering who can help pay pregnancy and baby bills and other unexpected expenses. Are you aware prospective birth mothers can receive financial assistance for adoption?

An unplanned pregnancy is a lot to handle, you shouldn’t have to worry about the added stress of bills and expenses. This guide will explore the financial benefits of adoption and how they can positively impact prospective birth mothers during their pregnancy.

Keep in mind, you can always contact an adoption professional for free information and guidance on any questions or concerns you may have. In the meantime, continue reading to learn more about your assistance options during your pregnancy.

Do you get paid to give your baby up for adoption?

Before we explore the financial assistance options available for women pursuing adoption, we need to clear up a common misconception: birth mothers do not “get paid” to place their baby for adoption.

Question: Can a birth mother receive financial support to help cover pregnancy and adoption costs?

Answer: Yes.

Question: Do you make money by “giving up” a child for adoption?

Answer: No.

We cannot stress it enough: you do not, and legally cannot, get paid for adoption. It is illegal to sell a child.

The misconceptions behind financial support and compensation often lead to questions like, “Can I ‘give my baby up’ for adoption for money?” The answer is no, adoption agencies will not pay you for your consent to adoption. Although you will hear phrases such as “compensation for placing a baby up for adoption” and other variations, this is a misunderstanding of the available financial help for birth mothers “giving a baby up” for adoption. Adoption financial assistance has to do with the medical bills, legal representation and other costs specifically involved with your pregnancy — it is not “payment” for birth mothers.

Once again, to make it perfectly clear: you are not being paid to place your baby for adoption, nor are paid adoptions legal. If someone offers to give you money to “give your baby up” for adoption, that could be considered trafficking, and it can have serious legal consequences.

Does Putting a Baby Up for Adoption Cost Money?

If you are in the early stages of your research, you may be unaware that when you work with an adoption agency, there are no costs associated with your adoption. By working with the adoptive family and their insurance, as well as using adoption laws in place to support birth mothers, there are adoption agencies that pay for all expenses.

Choosing adoption for your baby is one of the bravest and most life-changing decisions you’ll ever have to make; it shouldn’t take financial sacrifices, as well. For these reasons and more, there are no costs to put a baby up for adoption.

Pregnancy and childbirth alone can be extremely costly, let alone the cost of raising that baby. From the bills of childbirth, to the costs of raising a child, income can quickly be stretched thin. The financial support when “giving baby up” for adoption that agencies provide is why many women choose adoption for their child.

Relieving the financial burden you may be facing certainly benefits you, but your child gains from adoption as well. Adoption provides a way for you to ensure your child is being taken care of in a loving and caring home — a home that is not only able to support them emotionally, but financially as well.

Financial Assistance for Prospective Birth Mothers

We have made several mentions to the availability of financial assistance for putting baby up for adoption, but what does that really mean?

As a prospective birth mother, you will work with an adoption agency to determine your needs for adoption financial assistance. You will have the option of working with a local or national adoption agency.  Both types of agencies will have their own pros and cons, so you will want to research your options thoroughly. Ultimately, it will come down to which agency matches your desired outcome for your adoption the best.

The level of financial assistance for adoption you receive varies upon where you are placing your baby for adoption, as every state has unique laws. It will also depend on your living situation and what stage of your pregnancy you are in.

The adoption agency is rarely in control of how much assistance you’re able to receive, although they’ll be the ones to dispense those funds once they’re approved. The types of assistance you may eligible to receive include living expenses/utilities, adoption planning, medical expenses, legal expenses and more.

Keep in mind, your needs of financial assistance for putting baby up for adoption may change throughout your pregnancy. These changes can open up different options for financial assistance as well.

Once your adoption professional has a clear understanding of your situation, they can make a better assessment of your adoption financial assistance needs and begin working toward implementing them during your pregnancy.

For a more detailed look at the specific assistance, continue reading below.

“If you give your baby up for adoption, do you get money to cover living expenses?”

Yes, there are many adoption agencies that help with living expenses, and this is possible in many situations. When you work with a licensed adoption agency, the agency will work with the adoptive family to establish a plan for the assistance you will be receiving. Included in this assistance are ways to help with birth mother housing, groceries, transportation and other living expenses.

Because living expenses are regulated through the court system and various state laws, all adoption agencies will be able to provide you with the same amount of financial assistance. When you think of living expenses, you most likely think housing, but much more can be included as well. During your pregnancy, living expenses may include:

Your adoption professional will not only ensure that you are receiving all of the living expenses you are entitled to, but that your funding is being received and handled legally.

 It is worth noting, there are guidelines and restrictions put in place when it comes to living expenses. Most states have a law that requires living expenses to approved by a court as being reasonable. This helps prevent people from taking advantage of the system for their own personal gain.

The court decides what are deemed as unnecessary and unapproved items for you or your family’s day-to-day living. Luxuries as opposed to necessities will be declined, but if you needed help with your electric bill, or something that impacts your livelihood, a court would most likely approve.

Speak with an adoption agency to learn more about your possible living expenses and needs, and to create a plan for covering your expenses during the adoption process.

“If I give my baby up for adoption, is it free to make an adoption plan?”

Yes. Not only is putting a baby up for adoption free, but you are 100% in charge of how you want this process to go. You make all of the important decisions in your adoption plan.

From the moment a pregnant woman decides adoption is best for her baby, to the time she has placed her child with their adoptive family, adoption planning is involved. As a prospective birth mother, you have the final say in the majority of decisions, but the assistance of an adoption agency is necessary to ensure the adoption is being completed legally and ethically.

You will work with an adoption professional to determine the details of how you want your adoption to play out. This will help prevent added stress or surprises and allow you to focus on having a calm, healthy pregnancy. During your adoption plan, you will discuss details such as:

When you choose an agency, you will want to make sure in addition to adoption planning, they are also able to provide a wide range of helpful services. Additional services may include:

These are just some of the services the agency you choose should offer. Keep in mind these services and more are all offered to prospective birth mothers at no cost.

You may be wondering, “If you want to ‘give your baby up for adoption’ do you have to pay for an attorney?” The answer is no, as their services are part of the assistance a prospective birth mother receives.

“Will I have to pay medical bills throughout the adoption process?”

Medical expenses can add up quickly during pregnancy, which can lead to you ask, “Who can help pay pregnancy and baby bills? If you are ’giving your baby up’ for adoption, do you have to pay for your own medical expenses?”

The answer is no, you do not pay for your medical bills. Medical expenses are covered for you during an adoption. When you choose adoption for your baby and work with an adoption agency, your adoption professional will provide the assistance needed to pay your medical expenses.

In most cases, fees not covered by your insurance or Medicaid will be paid for by the adoptive family. Your adoption agency will ensure you have access to the proper medical care you and your baby need for a healthy pregnancy. They will do so in one of several ways, depending on your current situation:

The last thing you should have to worry about during an unplanned pregnancy is medical expenses. If you are wondering, “If you put your baby up for adoption, do you have to pay the hospital bills still?” the answer is no. Working with an adoption agency that helps with bills will allow you to focus on having a happy and healthy pregnancy, without stressing about finances.

“Are there legal costs to give a baby up for adoption?”

When you decide adoption is the best choice for you and your baby, there are many legalities and paperwork involved in the process. To ensure these steps are being completed legally and ethically, you will need to use the services of an adoption attorney.

But who pays for adoption lawyers during your adoption?

If you want to “give your baby up for adoption,” do you have to pay for an attorney?

No, you do not have to pay for the attorney. Legal services, like every service you receive throughout your adoption process, are completely free to you. During your adoption planning, your agency will help provide you with your own experienced adoption attorney.

Your attorney will play a large role throughout your adoption process.

They will walk you through each step of the legal process and ensure you understand your rights as well as everything you are agreeing to. They will emphasize the importance and impact of your decision and educate you on the process of consenting to the adoption.  Your adoption lawyer can also assist in making sure you receive the proper living expenses and financial assistance.

The services provided by a trusted adoption attorney are truly unmatched. As a prospective birth mother, adoption provides these services at no cost, so you do not have to worry that you may not be able to afford quality legal representation. For more information about legal expenses, speak with an adoption professional.

“Are there couples looking to adopt and pay expenses?”

Yes, there are families looking to adopt and pay for living expenses, and help out with other financial support as well.

Like most adoption assistance and funding, any contributions from the adoptive family will have to be approved by your adoption attorney and through the court system. This is to help ensure the assistance is completed legally and ethically. To find couples looking to adopt and pay expenses during your pregnancy and adoption, browse through these adoptive family profiles.

Financial Support After Placement

We have discussed the financial support and how there is no cost to put a baby up for adoption, but what happens after placement occurs? Is there still support still available for birth mothers, post-placement?

Adoption financial assistance is limited to the costs and expenses associated with your pregnancy and adoption process. While you will not continue receiving financial assistance after placement has occurred, as a birth mother, you’ll have availability to several ongoing birth parent resources, free of charge.

These services include:

For more information on the assistance available post-placement, speak with an adoption professional to learn more.

Speak with an Adoption Agency

Adoption is a life-changing decision, one of the hardest and bravest choice you will ever make.

You do not have to experience an unplanned pregnancy alone.

Contact an adoption agency to discuss the options you have available and to get answers to any questions you may have. They will provide you with unbiased insight and explain the financial impact of pregnancy, as well as the adoption financial assistance available to prospective birth mothers.

Ready to get started? Contact an adoption agency now to get free information.

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