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.

• 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.

IMportant

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.

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 overview FAQ
• Caregiving FAQ
• Cleo Baby & Kids FAQ
• Cleo Teens FAQ

Navigating Grief or loss - and how cleo can support you

Grief is a deeply personal journey that can feel overwhelming, whether you're coping with a recent loss or carrying the weight of continued grief from the past.

Join Cleo experts on October 16, 2025, at 11:30am PST/2:30pm EST to learn how to recognize and process your emotions, create space for healing, and find meaningful ways to honor your loss. You'll also learn how Cleo's resources and support network can provide personalized tools and expert-led care to help you feel less alone in your journey.

Register your spot here!

​ 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.