How Carrot Can Help You Fund A Family Of Choice


As the stigma following infertility continues to crumble, more and more Americans are looking for ways to build families of choice. While some larger, more progressive thinking companies are starting to offer infertility benefits (or even just insurance plans that allow for infertility treatment options), most companies are still lacking in this area of healthcare coverage. The result is that Americans considering IVF are left facing medical costs that make the treatments prohibitive.


Even if an employer does offer an insurance plan that covers infertility treatments, most insurance plans require an official diagnosis of infertility before a patient becomes eligible to claim benefits. The real-life implication of this procedural holdup is more doctors’ appointments, more bills, and (potentially) mounting time lost to the process of American healthcare.


The result is that many of would-be parents are forced to continue to postpone their families, first as the result of fertility issues, and now as a result of financial ones.


Enter Carrot.


Carrot is a startup project that helps individuals fund fertility treatment by making it easier for companies to offer assistance with fertility treatments. The company was started by a woman who decided to freeze her eggs in her mid-30s with the intention of waiting a few more years to start her family. When her company couldn’t help with the financial burden of the process, she started looking for ways to address the problem on her own.


The program works by assisting the heads of Human Resources departments to be able to customize the benefits that employees are offered through a direct reimbursement model. In layman’s terms, companies working with Carrot are able to offer employees a set dollar amount which they have the discretion to spend on certain approved fertility procedures. While the employee will have to pay out of pocket, Carrot allows those out of pocket costs to be reimbursed.


Carrot also offers text and video conferencing that pairs employees with certified fertility experts in order to help develop a fertility plan that is in the budget and optimal for each user. It’s designed to be LGBTQ friendly and affordable for a variety of income levels.


If your company is one of the many who is not yet able to offer fertility benefits, encouraging your human resources director to explore Carrot can be the first step in finding a way to fund your journey. You can learn more about the service by visiting their website, here.


Kim Bergman, PhD, a licensed psychologist of 26 years, has specialized in the area of gay and lesbian parenting, parenting by choice and third party assisted reproduction for over two decades. Dr. Bergman has created a comprehensive psychological screening, support and monitoring process for intended parents, surrogates and donors. She is the co-owner of Growing Generations and is a member of the American Society for Reproductive Medicine, the American Psychological Association, the Los Angeles County Psychological Association, the Lesbian and Gay Psychotherapy Association, and the Gay and Lesbian Medical Association. She is on the national Emeritus board of the Family Equality Council. Dr. Bergman writes, teaches and speaks extensively on parenting by choice. Along with co-authors, she published “Gay Men Who Become Fathers via Surrogacy: The Transition to Parenthood” (Journal of GLBT Family Studies, April 2010). Dr. Bergman’s is the author of the book, Your Future Family: The Essential Guide to Assisted Reproduction (Conari Press 2019) as well as the children's book You Began as a Wish (Independent Press 2019). Dr. Bergman created her own family using third party assisted reproduction and she lives with her wife of 35 years. She has two adult daughters.