Family Centered Benefits
When it comes to growing and caring for your family, the more resources and guidance, the better! Upstart has invested in family focused programs that can benefit you and your family with both Carrot and Cleo. All Upstarters have access to Carrot and Cleo Services as part of your benefits. Read more to learn how.
Family Forming Services with Carrot
Carrot Fertility provides Upstarters with inclusive fertility, hormonal health, gender affirming care, and family-forming benefits. This includes support for fertility health, assisted reproduction like IVF/IUI, adoption, pregnancy and postpartum, and menopause. Watch how Carrot can help.
- Upstarters are eligible for a lifetime maximum of $25,000 in reimbursement for eligible expenses.
- Adoption
- Fertility
- Gestational Carrier
- Infertility
- Low Testosterone
- Gender Affirming Care
- Real-time support in navigating local resources for your care and unlimited 1:1 chats with experts such as clinicians, pregnancy specialists, emotional support specialists, etc.
- Personalized education through resources, articles, videos, guides and expert-led group sessions.
If you are enrolled or will be enrolling in the United HealthCare HDHP plan, you will have a deductible if it is a qualified medical expense. For more details, click here.
If you currently are in the middle of your own care journey and want to find out if the Carrot team can support you, please reach to the care team by filing an inquiry here.
Maximize Your Carrot Benefit: 2025 Updates & Resources
New to Carrot or need a refresher? Join our upcoming webinar on Wednesday, March 26, at 9 AM PDT / 12 PM EDT to explore what’s new in 2025 and how to make the most of your benefit. Register Your Spot Here!
What You’ll Learn:
- How to use Carrot funds for eligible care and products
- Access to unlimited video chats with top-tier medical experts
- Engaging group sessions for learning, questions, and support
- Expert-backed articles, videos, and guides on reproductive health
- Recommendations for vetted providers, both online and near you
Who Should Attend?
If you or your partner are exploring fertility, preservation, ART, adoption, donor-assisted reproduction, pregnancy, parenting, or menopause/low testosterone management, this webinar is for you.
Can't make it live? Register anyway, and we’ll send you the recording.
Want to bring a guest? Partners/spouses are welcome!
Don’t have a Carrot account yet? Create one now to access live resources during the event.
Connect with Carrot
Web: app.get-carrot.com
App: Download "Carrot Fertility" from your app store
Family Support with Cleo
Cleo is a family planning & forming benefit that offers parental support for new parents, and caregiver support for adults who need round the clock care. Through Cleo, you have access to experts and resources that can answer questions, share advice and point you in the right direction.
- Cleo's 101: How Cleo Supports Upstart Families: is a great introduction to understand how Cleo can support you and your family.
- Watch the recorded Cleo 101 Session to get started! Passcode: !7rp#Dcb
- Cleo can match you with a Cleo Guide that will serve as your support contact that you can message at any time with questions around your specific needs. You can get started by registering here.
- Families can also access the content or receive support through your 1:1 specialist sessions.
- 1:1 guidance and support, resources, tips, virtual workshops, expert sessions, and access to a network of parenting specialists.
- You can review the FAQ guide that best suits your needs below
Cleo Webinar: Finding & Coordinating Care For Your Loved Ones
Whether it's finding a local daycare, securing in-home care, or choosing the right healthcare provider or specialist, the process of coordinating care for your loved ones can be overwhelming and challenging for families.
Join Cleo on March 20, 11:30am PT/2:30 ET to get actionable strategies and personalized support to find the right care for your child or loved one.
Learn how to feel more empowered making the right decision for your family, where to find top resources, and how Cleo's team of experts can take on some of the work for you.
Register your spot here!
Connect with Cleo
Web: hicleo.com
App: Download "Cleo For Families" from your app store
Benefit support
Do you have questions about benefits, your coverage, qualifying life events or claims? The Benefits Advocate team is here to help. Call 1-833-378-0727, email upstart@help.sequoia.com, or visit the Benefits Portal.