Beyond state mandates: what employers need to know

State infertility mandates set a coverage floor. They don't manage care, control costs, or ensure employees get the support they need to make informed decisions.

This guide breaks down where mandates typically fall short, and what a managed benefit adds to protect both employees and employer spend.

Inside the guide, you'll learn:

• Where mandates fall short: Why regulated access doesn't translate to guided care, and what that means for IVF utilization, claims costs, and employee experience.
• Who mandates often leave out: How eligibility definitions exclude male factor infertility, LGBTQ+ employees, single-intending parents, and those pursuing adoption or surrogacy.
• What managed care changes: A side-by-side look at mandate-only outcomes vs. Carrot-supported outcomes across live birth rates, preterm births, NICU visits, and employer spend.
• How Carrot complements mandated coverage: From provider steerage and expert guidance to employer-sponsored funds for services the mandate doesn't reach.
• The business case for going beyond compliance: What measurable ROI looks like when a managed benefit is layered on top of state-mandated coverage.

Download the guide to see what mandated coverage is — and isn't — doing for your workforce.