You deserve better care.
This is where you’ll get it.

What does Carrum Health provide for those diagnosed with cancer?

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Carrum Health is dedicated to giving you the highest-quality surgical and cancer care experience for less. We only work with the country’s top surgeons and cancer specialists, and the excellent care you’ll receive comes at little or no cost to you.*


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Activate your account and securely message one of our Carrum care specialists or call 888-855-7806.


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Important Note

Effective January 1, 2022, we are pleased to announce that we will also be the preferred provider of knee/hip replacement and spinal fusion surgeries for U.S. 3M medical plan participants. Other surgeries and procedures will continue to be covered by Blue Cross Blue Shield of MN, Health Partners, or by Carrum Health, as applicable. This change will ensure that 3M plan participants receive high-quality care and access to the top physicians and surgeons in the country. Plus, 3M covers 100% of the surgery costs (if you’re on a high deductible plan, you will need to meet the deductible).

How It Works

Once you register for Carrum Health, you'll receive guided prompts and live support throughout your journey. And most, if not all, costs are covered by your employer.*

Activate your account and answer a few questions to help us address your specific needs.

Build your profile

Explore your options

Select your procedure and choose your doctor from our network of top providers in the country.

Meet with your doctor

We'll schedule an initial consultation with your doctor. In preparation, we'll help gather medical information needed to assess your case.

Receive exceptional care

We'll work with your doctor to ensure you receive the specific support you need, before, during and even after your plan of care. All you need to do is focus on yourself.

Get your roadmap for care

A Carrum care specialist will provide next steps and answer any questions, including how much your out-of-pocket costs (if any) will be.*






Prepare today for a better tomorrow


Register today as the first step toward a superior surgical and medical care experience.

What our patients say

The experience was fabulous. My whole quality of life has changed for the better, thanks to Carrum. Everyone was professional, helpful, and very very careful. It’s the best decision I have ever made, and I’m proud to say that. Thank you for saving my life.


I had surgery for my left hip about two years ago through normal insurance. Recently, I needed surgery on the other hip. This time, I used Carrum Health, and the difference was night and day. I hope I never need another surgery, but if I do, I’m certainly going to use Carrum Health again.


Going through surgery with Carrum Health was so easy. They took away all of the stress I’m used to feeling so I could just breathe and focus on getting better. And when I go to the mailbox, I don’t have to worry about getting a single bill.


Who is eligible?

Carrum Health is available to partners, COBRA participants, pre-65 retirees, and their dependents (18+) enrolled in a Petco medical plan.

*With the exception of second opinions, individuals enrolled in a high-deductible plan must first meet the federal minimum deductible, but coinsurance will be waived. Second opinions are provided at no cost to members and do not require payment of any deductible. Per IRS rules, a portion of any covered travel expenses will be reported as taxable income.

Carrum Health Overview for Members

Carrum Health makes it easier and more affordable to get the quality care you deserve.

Carrum Health Benefits FAQ

Still have questions about how it works?

Activate your account and chat with a care specialist today.

Carrum Health covers a wide range of non-emergency surgical and medical care from top doctors in the country who specialize in a variety of conditions. You’ll even be able to receive a second opinion from one of these experts, at no cost to you. To see if Carrum covers the procedure or treatment you may need, log in to your account and simply enter the care you need when prompted.

Depending on your medical plan and the type of care you need, you may first need to meet your deductible, but otherwise most, if not all, costs are often covered. Second opinions are provided at no cost to members, and do not require payment of any deductible. To see how much you may need to pay, complete your Carrum Health profile or connect with our care team today. Sometimes, to get the best care possible, you may need to travel to a specialized hospital or care center. Fortunately, in these instances, travel expenses like airfare, hotel fees, and even meals are often covered for you and a companion, depending on the care you need. Your Carrum Care Specialist will even make all of your travel arrangements, so all you have to do is focus on yourself. To find out exactly what the benefit covers for your specific situation, connect with our care team today.

After completing your Carrum Health profile and letting us know what type of care you’re looking for, you’ll see a list of requirements for your specific case. You’ll also be asked to complete an online release form, so that necessary medical records and images can be collected by our team and sent to your doctor for review. If you have any questions, simply message or call to speak with a Carrum Care Specialist at any time.

To get started, simply register or log in to Carrum Health and follow the prompts. Let us know the type of care you’d like to receive and from there, you’ll be guided with easy-to-follow instructions every step of the way. If you ever have any questions, just message or call to speak with a Carrum Care Specialist.

You deserve better care.
This is where you’ll get it.

Cancer Care

Guidance and expertise from top cancer specialists

Second opinions, personalized care plans, and compassionate guidance from the country's top cancer specialists, for any form of cancer.*

Treatment from leading cancer centers

Treatment from leading cancer centers for certain forms of cancer such as breast, thyroid, and blood cancers. 

Ongoing support from cancer-certified nurses

Virtual support from highly-trained nurses who can answer cancer related questions, discuss appointment details, and provide on-going assistance for up to 2 years.

What We Cover

Carrum Health works with the top specialists in the country to provide the best possible care for a variety of conditions.

Surgical Care


Total joint replacements and surgical repair of your bones, joints, muscles, and ligaments. Surgeries include hip, knee, shoulder, wrist, ankle, and foot surgeries.


Surgical repair of your spine including spinal fusions and spinal decompressions.

Weight Loss

Procedures to treat obesity including gastric bypass and gastric sleeve surgeries.


Procedures to correct various types of heart conditions.