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No fertility health or family-building journey's the same, so there’s support for all

From exploring egg freezing to navigating low testosterone, managing fertility health can be challenging without the right support. That’s why we partnered with Carrot to provide fertility health and family-building services, through personalized guidance and comprehensive educational resources, embedded in our hospital indemnity insurance.

Added confidence for unique personal experiences

Across various life stages, these wellness services can help support employees' needs. And their dependents age 18+ can also benefit from resource sharing.

Proven outcomes

Carrot's unique program helps employees explore options like ovulation tracking and nutrition counseling, which can be alternatives to costly and invasive care. If in vitro fertilization (IVF) is the best option, Carrot's focus on education has resulted in an industry-leading single embryo transfer (SET) rate and above-average IVF pregnancy rate.¹

Resources available

Employees receive individually curated Carrot plans that guide them to the experts and resources that are most helpful to them. Because everyone deserves care that’s right for their journey.

  • Carrot Academy

    Employees can explore medically reviewed resources as well as journey-specific guides on complex topics. Plus, they can join virtual small group sessions to discuss specific topics in a supportive environment.

  • CarrotMatch

    CarrotMatch is powered by a unique dataset that provides employees with a list of the best resources and providers in their area, then matches them to providers based on their unique medical profile.

  • In-the-moment guidance

    Employees can chat with a member of Carrot's Care Team 24/7 to receive personalized guidance for their individual needs and preferences.

  • Expert sessions

    Each plan year, employees can access up to three sessions for guidance and advice from experts across a wide range of specialties, including emotional support, nutrition, lactation, and more.

90% of employees say they’ll stay with their employer longer because they offer Carrot.²

Mature woman outside with her dog

These services span all phases of life, including support and education for:

  • Family building

  • Fertility

  • Urology

  • Maternity

  • Parenting

  • Postpartum

  • Menopause and low testosterone

...and more.

To learn more about the fertility health and family-building services included in our group hospital indemnity insurance, contact your Guardian sales consultant or client manager.

1 Carrot 2024 Outcomes Study and Society of Assisted Reproductive Technology (SART) national data. Collected annually. Updated January 2025.

2 Carrot member survey 2024

Guardian Hospital Indemnity Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. This advertising content is not currently intended for anyone in the state of New Mexico. In the state of Colorado, coverage is called Hospital Indemnity with Wellness Benefits, when Wellness Benefits are included. Products are not available in all states. Policy limitations and exclusions apply. Optional riders and/or features may incur additional costs. This is a limited plan of supplemental health insurance that provides the specified financial support, as a lump sum or indemnity payment, following a covered hospitalization. This is not minimum essential coverage as defined by federal law. This coverage will not reimburse for hospital or medical expenses. It does not provide basic medical or major medical insurance as defined by the New York State Department of Financial Services. In Washington, the Certificate Form is the state approved form governing document. Generic Policy Form #HI-25-P. The state approved form is the governing document.

Individual outcomes may vary due to the unique aspects of each scenario. Carrot provides educational resources only and is not a provider of health services. Carrot is a vendor to The Guardian Life Insurance Company of America (“Guardian”). Carrot and Guardian are not affiliated entities. Guardian does not control or provide any part of the Carrot services and does not bear any liability for their provision. This informational resource is not a contract and is for illustrative purposes only. Guardian and Carrot reserve the right to discontinue services at any time without notice. Services may not be available in all states.