IVF and adoption costs in Canada May 18th

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Often, this column answers questions about specific investment, retirement or tax strategies. But financial planning should look at every aspect of your life, and the expenses that go along with how you would like to live. That includes your decision to raise a family. Having kids is expensive—and for Canadians with fertility issues, there are added costs. Here’s a high-level look at some of the options, what you might expect to pay, and the financial breaks available. 
What are the costs and funding options for fertility treatments?
The primary treatment options for infertility are intrauterine insemination (IUI) and in vitro fertilization (IVF). 
IUI is a type of artificial insemination whereby sperm from a partner or donor is inserted into a patient’s uterus during ovulation. The cost may range from $2,000 to $4,000. Manitoba, Ontario, Quebec and New Brunswick all provide some government financial support. 
While there are no eligibility requirements or limits on provincially-funded treatment in Ontario, the out-of-pocket cost for drugs may be about $1,000 per cycle…

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