It also depends on how you get your insurance. If you have group insurance (through a job) then many times your company will dictate to the insurance company what type of coverage they want. So company A may go with BCBS and choose to cover some infertility, but company B, who also goes through BCBS, may choose not to have any infertility covered. This is above and beyond the state mandates, however if your state mandates something be covered, then your employer must make it covered.
If you have individual insurance, then the level of coverage typically coincides with how much your premiums are. If you're willing to spend $1000/month on insurance, then it might cover infertility. But if you're only spending $400/month, then it probably does not.
No matter how you get your insurance, you can always call them up and ask. They'll be able to tell you exactly what kind of plan you have and what is covered. Since there are litterally hundreds of different plans for BCBS, this is the only accurate way to find out. Good luck!
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Leila (28), DH (32)
Darling girl E - 4/27/05
Darling boy N - 4/1/08
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