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Hopeful couples discover that adoption or gestational surrogacy costs from tens of thousands of dollars to more than $100,000. (And that's on top of the thousands of dollars many have already shelled out on fertility treatments, to say nothing about the emotional toll.)
The military provides active-duty personnel a reimbursement for most one-time adoption costs, up to $2,000 per child. The maximum amount available in a given year is $5,000, even if both parents are in the military. Reimbursement is made after the adoption is finalized. A child with disabilities may also be eligible for up to $1,000 a month in assistance under the military's program for persons with disabilities.