Guru's Verification engine ensures consistency, confidence, and trust in the knowledge your organization shares. Learn more.

Carrot - Fertility, Hormonal Health & Family Forming

Screenshot_2024-09-23_at_12.02.14aPM.png

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 peri and post menopause.

  • Upstarters are eligible for a lifetime maximum of $25,000 in reimbursement for eligible expenses. In some cases the reimbursement is consider taxable income to you.
  • 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.

Adoption

Hormonal Health

Gestational Surrogacy

Fertility

Gender Affirming Care

Pregnancy & Postpartum Support

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.

Support for Your Spouse or Partner
Carrot isn’t just for you as the employee, it can also support your spouse or partner’s care as part of your shared family-building or hormonal health journey. They do not need to be enrolled in an Upstart Medical plan to access the benefit.

You can add your spouse or partner to your Carrot account by signing in and going to your account settings, or by following the partner invitation steps during your Carrot Plan flow. Once invited, they’ll receive an email to create their own login credentials and can access shared resources like your Benefit Guide, educational content, provider finder, and expert chats. Only you, as the Upstart employee, can access Financial Support funds, submit reimbursements, and view reimbursement status.

Activate Your Carrot Benefits


Additional Program Details

Adoption

Adoption can be a lengthy and complex process with many different steps. Carrot is here to help navigate this family-forming journey and provide expert guidance every step of the way.

• Pay for eligible care and services, such as agency and attorney fees

• Find eligible adoption agencies and attorneys

• Talk with Carrot adoption experts as often as you’d like, at no cost to you, about the process, estimated costs, guidance for LGBTQ+ prospective adoptive parents, and more

• Explore trusted educational resources on topics like what to ask an adoption agency — no more online searching

Fertility

This program includes support and financial coverage for assisted reproductive technology, commonly referred to as fertility treatments, such as intrauterine insemination (IUI) and in vitro fertilization (IVF). Carrot can also help with understanding fertility health, such as at-home and in-person fertility testing ovulation tracking, and more. Whether you’re interested in trying to grow your family soon or years from now, learning more about fertility health can be a valuable first step. Carrot is here to help.

Use your Carrot Benefit to:

  • Pay for eligible care and services, such as initial consultations with reproductive endocrinologists (REIs), diagnostic testing, procedures like IUI and IVF, and more
  • Find eligible fertility clinics near you
  • Talk with Carrot medical experts like REIs, urologists, nutritionists, and more as often as you’d like, at no cost to you
  • Order medications, supplements, and vitamins from Carrot Rx®, an online pharmacy, for help with injections, cost savings, and convenient delivery

The program also includes Fertility Preservation Services for specific diagnosis:

  • Pay for eligible care and services, such as egg, sperm, or embryo freezing and storage fees
  • Find eligible fertility clinics and cryobanks/storage facilities near you
  • Talk with Carrot medical experts as often as you’d like, at no cost to you, about the fertility preservation process, what to expect, estimated costs, and more
  • Order medications, supplements, and vitamins from Carrot Rx®, an online pharmacy, for help with injections, cost savings, and convenient delivery

Gender Affirming Care

This program includes support and financial coverage for gender-affirming care. Finding expert providers can be challenging, and barriers to receiving care — such as “proving” gender identity — are common. Carrot is here to help.

Use your Carrot Benefit to:

  • Pay for eligible care and services, such as in-person and virtual provider visits and consults, gender-affirming hormone therapy (GAHT) medications, and more*
  • Find Carrot-eligible GAHT providers and trans health centers
  • Talk with Carrot medical experts like GAC and emotional well-being specialists, as often as needed, at no cost to you
  • Simplify your care with Carrot Rx®, Carrot’s online pharmacy that offers competitive pricing and delivers GAHT medications right to your door

Menopause Support & Low Testosterone Support

Menopause symptoms like hot flashes, fatigue, and trouble sleeping can be distracting, disruptive — and last for years. While lesser known, 40% of males over the age of 45 have low T, and up to 20% of those between the ages of 15 – 39 may also have a testosterone deficiency. Yet these conditions are hardly ever discussed in the workplace or even the doctor’s office.

As a result, limited resources exist to support people through these years of dramatic hormonal changes that can impact them physically, mentally, and emotionally. Symptoms can lower quality of life, reduce job performance, and impair daily activities — but finding the right support can be challenging, and misinformation around menopause and low T is common. Carrot is here to help provide relief.

Use your Carrot Benefit to:

  • Find a menopause or low t specialist
  • Get expert guidance when you need it. Members can schedule unlimited 1:1 virtual chats with menopause and low T specialists
  • Join online group sessions for education and support. Carrot brings members together for intimate, medical expert-guided group discussions on common topics like managing symptoms and evidence-based treatment options. These anonymous Zoom sessions educate while breaking down the culture of silence around menopause and low T to help people feel more supported, informed, and heard.
  • Use your benefit to pay for medications, in-person and virtual visits with menopause or low T specialists, nutrition counseling with a registered dietician, and eligible products to regulate temperature, like wearable cooling devices.

Pregnancy and postpartum support

Carrot provides inclusive pregnancy and postpartum support. Use your Carrot Benefits to:

  • Talk with Carrot’s team of doctors and specialists. Unlimited access to Carrot experts, including OB/GYNs, lactation consultants, doulas, midwives, nutritionists, and more.
  • Join small groups to connect in real time. Discuss trimester-specific topics and get your questions answered in small expert-led, online group sessions. Members can also access virtual prenatal yoga sessions.
  • Explore trusted educational resources. Learn at your own pace from clinically reviewed educational resources by trimester.
  • Return to work with confidence. Talk with a Carrot emotional well-being expert about balancing work and family life or ask a lactation consultant for tips.

Gestational Surrogacy

Gestational Surrogacy can be a lengthy and complex process with many different steps. Carrot offers holistic support, providing expert guidance and steerage, personalized recommendations, and financial assistance.

Use your Carrot benefits to

  • Pay for eligible care and services, such as agency and attorney fees
  • Find eligible agencies and attorneys
  • Embryo transfer and eligible expenses for gestational carrier
  • Talk with Carrot experts as often as you’d like, at no cost to you, about the process, estimated costs, guidance for LGBTQ+ prospective parents, and more
  • Explore trusted educational resources on topics like what to ask an adoption agency — no more online searching

Connect with Carrot

Web: app.get-carrot.com
App: Download "Carrot Fertility" from your app store
Carrot Resource Folder: Upstart Benefits Google Drive


Questions.png​ 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.

You must have Author or Collection Owner permission to create Guru Cards. Contact your team's Guru admins to use this template.