Employer benefits: Progyny, Carrot, Maven
What they cover, how they differ, and how to use them well.
Progyny
Largest fertility benefits manager. Uses a 'Smart Cycle' model — your benefit is denominated in 'cycles' rather than dollars (typically 1–4 Smart Cycles). One Smart Cycle covers a complete IVF treatment plan including monitoring, retrieval, fertilization, freezing, and transfer. Network of credentialed clinics; medications are administered through their preferred specialty pharmacies.
Carrot Fertility
Lifetime dollar benefit (often $10,000–$50,000) you can spend across IVF, IUI, egg freezing, donor services, surrogacy, and adoption — much more flexible than Progyny on what you can use the money for. You typically have more freedom to choose any clinic.
Maven
Maven combines fertility benefits with broader women's health, maternity, and parental support. The fertility benefit is usually a dollar amount similar to Carrot, plus 24/7 access to specialists via the Maven app.
Kindbody
Combines a benefits-management layer with their own clinic network. Common at companies that want to direct employees toward Kindbody clinics for cost predictability.
How to find out what you have
Check your employer benefits portal for 'family forming,' 'fertility,' or the names above. If your employer doesn't offer one, RESOLVE has a downloadable advocacy packet for asking HR.
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Cited figures (cycle counts, dollar ranges, mandate lists) reflect publicly available data as of early 2026. Always confirm specific numbers against the linked sources before relying on them — pricing, protocols, and laws change.
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