Adoption costs and availability vary from state to state, too.
We’ve started looking into adoption locally. Not ready to make that commitment yet, but we wanted to have some idea of what’s involved. For some background, we live near (and within the same county as) one of the 5 largest cities in the US. This is not exactly the middle of nowhere, y’know? We’d be happy to adopt a child of either gender and any race/ethnicity. Mild mental or physical handicaps are okay. Our caveats are that we couldn’t handle a child with a severe physical disability (house not handicap-accessible, no local family to help), and would want a child 2-3 years old or younger because at the time we might adopt, that’s how old our youngest biological child would be, and from what we read, maintaining birth order in blended adopted/biological families is really important.
I was shocked by just how hard it is to adopt a baby or toddler without severe mental and physical disabilities. There’s a computer database of adoptable local kids in the foster care system, “local” encompassing not just our county, but several around it, too. I’ve glanced through it from time to time. Thus far, over the half-dozen or so times I’ve searched it, the only adoptable kids in that age range are either a) part of a fairly large (4+ kids) sibling group which encompasses kids much older than ours (and this is very rare anyhow) or b) suffering from severe physical, mental, or emotional/social handicaps.
The alternative is private adoption services, which are often highly dodgy in terms of their business practices, and always very expensive…think somewhere between $10,000 and $100,000 in fees to adopt a baby. (Really disturbingly, a lot of them charge more for the “perfect” white or white/Asian baby than for “less desirable” babies of other races.)
Insurance will often cover IVF, while there isn’t adoption insurance. Of course, some companies will offer their employees adoption assistance, but that’s not universally true, not by a long shot.
We need to do a lot more research, but on the face of it, it does seem as though it will be a lot more feasible to wait to adopt until our biological kids are either a lot older (in the case of older adoptees) or out of the house entirely (in the case of, say, a severely emotionally-disturbed child). Very sad, to say the least.
Note: I am not a proponent of IVF, believing as I do the Church’s teaching on it. But to tell people to “just adopt” both dismisses the very real issues with the adoption process, a few of which I’ve tried to outline above, and also treats adoption as a sort of second-class option, one only for infertile people…bit insulting both to adopted children and to their families.