Carrot fertility benefit: reimbursement timing, taxes, and what gets denied
Pay the provider yourself (or with a pre-funded Carrot Card), then submit an itemized paid invoice within 30 days; reimbursed in ~3–6 weeks. Dollar-max or, since Jan 2026, cycle-based plan designs.
Taxes
Reimbursements are generally taxable income unless they qualify as medical expenses under a qualified plan — check your W-2.
Timing
Expect roughly 42 days from submission to reimbursement; keep itemized, paid invoices and submit within 30 days.
What members complain about
- Denials at eligible clinics for uncovered line items
- Slow or confusing claims
- Taxability surprises
- Partner-account allocation
What Carrot does not do
- Adjudicate against your medical plan
- Reconcile EOBs
- Appeals
Disputes
Carrot member support for reimbursement disputes; medical plan ERISA/DOI path for anything billed to the health plan.