Does IVF, fertility treatments and medications count as a medical expense for tax deductions in 2025?

[jmlee321]

Not sure if state dependent, I live in Wisconsin.

[MindyB]

Yes, IVF, fertility treatments, and medications generally qualify as deductible medical expenses at both the federal and state levels in Wisconsin.

You can deduct unreimbursed medical expenses, including procedures like in vitro fertilization, prescription fertility drugs, etc. that are used to treat the medical condition of infertility. 

These expenses are deductible only to the extent that your total qualified medical costs exceed 7.5% of your Adjusted Gross Income, and you must itemize your deductions on Schedule A rather than taking the standard deduction to claim them. 

[Mike9241]

You can only deduct what you paid during the year. putting the bill on a credit card or paying by taking out a loan from an independent lender is considered payment in the year it is done.   If the provider is providing the financing,  then you can only deduct what you actually have paid to the provider during the tax year.