TL;DR: Ontario’s Fertility Program covers one IVF cycle for eligible patients, but it doesn’t cover every related expense. You may still need to pay for medications, genetic testing, embryo storage, donor services, or additional cycles. At King Square Fertility in Markham, the care team can explain what may be covered and help you understand the costs before treatment begins.
“Funded IVF” sounds simple. You qualify, begin treatment, and the program covers the bill.
In reality, the financial side of IVF is rarely that straightforward.
If you’re researching IVF cost in Ontario, understanding the details early can help you feel more prepared. At King Square Fertility in Markham, many patients arrive knowing that funding is available but are unsure what it means for their treatment plan.
This article breaks down what Ontario’s fertility funding program may cover, which expenses may still come out of pocket, and what questions to ask before treatment begins.
The Ontario Fertility Program provides eligible patients with one funded IVF cycle at participating clinics across the province. To qualify, you need a valid Ontario health card and a referral from a doctor.
So, what does “funded IVF” mean?
In many cases, the program covers the main clinical components of treatment, including egg retrieval, in vitro fertilization, and embryo transfer. Some monitoring appointments before egg retrieval may also be included, depending on the clinic.
The cost of IVF in Ontario can feel less straightforward. Even with a funded cycle, you may still have some out-of-pocket expenses. These are:
IVF medications help stimulate the ovaries, support hormone levels, and prepare the body for treatment. These medications are usually not covered by the Ontario Fertility Program.
The cost can vary widely based on your treatment plan and how your body responds. Some patients may spend a few hundred dollars, while others may pay several thousand.
Before treatment begins, review your workplace or private insurance benefits to see whether fertility medications are covered. Your clinic can also point you toward pharmacies, payment options, or assistance programs.
Your care team may recommend genetic screening and testing based on your medical history, previous pregnancy losses, or treatment goals.
Preimplantation genetic testing (PGT) examines embryos for certain genetic or chromosomal conditions before transfer. The Ontario Fertility Program doesn’t cover this testing, and costs can vary depending on the type of test and the number of embryos tested.
If you have embryos that aren’t transferred right away, you may choose to freeze them for future treatment.
The cost of freezing may or may not be included in a funded cycle, depending on the clinic. Annual storage fees are usually separate and continue for as long as your embryos remain frozen.
Ask about both the initial freezing fee and the ongoing storage cost so you can include them in your long-term budget.
If your treatment involves donor eggs, sperm, or embryos, you may have additional expenses. These can include donor program fees, agency costs, shipping, screening, and extra clinical services.
Although the IVF procedure itself may still qualify for funding, donor-related services are generally not covered. Your clinic can explain which costs may apply to your treatment plan.
The Ontario Fertility Program funds one IVF cycle per eligible patient. If that cycle doesn’t result in pregnancy and you decide to try again, you’ll usually need to pay for the next cycle yourself.
This may include the clinical fees, medications, testing, and any added services. It can be difficult to think about another cycle before the first one begins, but understanding the possibility can make financial planning feel more manageable.
Understanding IVF cost in Ontario can feel overwhelming, especially when coverage varies from one person to another. Taking a few practical steps before treatment begins can help you plan with greater clarity.
You don’t need to sort through these details alone. At King Square Fertility, our team can explain how funding may apply to your treatment plan, outline possible out-of-pocket costs, and answer your questions before you begin.
Start by speaking with your family doctor about getting a referral. Once we receive it, you can book a consultation and get a clearer picture of your options, expected costs, and next steps.
OHIP doesn’t directly pay for IVF treatment. Instead, eligible patients may qualify for one funded IVF cycle through the Ontario Fertility Program.
You’ll need a valid Ontario health card and a referral from a doctor. While the program covers the core IVF procedure, you may still have out-of-pocket costs for medications, genetic testing, and other services.
The cost of IVF medications varies from person to person. Your treatment plan, how your body responds, and your insurance coverage all play a role.
Some patients pay a few hundred dollars, while others spend several thousand. Your fertility clinic can provide an estimate based on your individual treatment plan.
The Ontario Fertility Program provides one funded IVF cycle for eligible patients.
If you decide to pursue another cycle afterward, you’ll usually be responsible for the cost of treatment, including medications and any additional services. Your care team can review your first cycle with you and discuss the options available.
No. Funded IVF is only available at clinics that participate in the Ontario Fertility Program. King Square Fertility is one of those participating clinics.
If you’re unsure whether a clinic offers funded IVF, you can ask the clinic directly or check the Ontario government's fertility program information.
Have questions about IVF costs or Ontario funding? Speak with your family doctor about a referral, then book a consultation with King Square Fertility. We'll explain your options and help you understand what costs may apply to your treatment.
