IVF (In Vitro Fertilization)

Is IVF covered by HSA in Canada?

Yes, IVF (In Vitro Fertilization) is eligible for reimbursement through a Health Spending Account (HSA) in Canada.

IVF is one of the most common fertility treatments, and the full cost of treatment can be claimed through your HSA, making it significantly more affordable.

What IVF Expenses Are Covered?

Core IVF Treatment

• Fertility consultations and assessments
• Ovarian stimulation medications
• Egg retrieval procedures
• Sperm collection and preparation
• Embryo fertilization and culture
• Embryo transfer procedures
• Pregnancy testing and monitoring

Related Fertility Services

• Intracytoplasmic sperm injection (ICSI)
• Assisted hatching
• Preimplantation genetic testing (PGT)
• Embryo freezing and storage
• Frozen embryo transfer (FET) cycles

Medications

All prescription medications related to your IVF cycle are covered, including:

• Gonadotropins (FSH/LH stimulation drugs)
• GnRH agonists and antagonists
• Progesterone support medications
• Estrogen supplements

Requirements

• Prescription Required: No prescription needed for the IVF procedure itself, though medications will require prescriptions.
• Documentation: Keep detailed receipts from your fertility clinic showing services rendered and amounts paid.

How to Claim

1. Pay for your IVF treatment and related expenses
2. Keep all receipts from your fertility clinic, pharmacy, and any specialists
3. Submit your claims through the Frontier HSA app
4. Receive tax-free reimbursement within 2-3 business days

Tip: IVF treatments can be expensive. If your costs exceed your current HSA balance, you can submit claims as your balance is replenished throughout the year.

Frequently Asked Questions

Can I claim IVF on my HSA?

Yes, IVF is a CRA-eligible medical expense that can be claimed through a Health Spending Account. This includes all components of the treatment cycle.

Are IVF medications covered?

Yes, all prescription medications prescribed as part of your IVF treatment are eligible, including stimulation drugs, hormone support, and any other prescribed medications.

What about multiple IVF cycles?

Yes, you can claim expenses for multiple IVF cycles. There is no limit on the number of cycles - you can claim up to your annual HSA limit.

Is egg or embryo freezing covered?

Yes, egg and embryo freezing and storage are separate eligible expenses that can be claimed through your HSA.

Do I need a prescription?

No, you do not need a prescription to claim IVF treatment costs. Treatment must be provided by a licensed medical practitioner or fertility clinic.

How much can I claim?

You can claim the full amount up to your annual HSA limit. There are no co-pays, deductibles, or percentage limits.