I too have BCBS and I live in Massachusetts, but my BCBS plan is out
of NY (as our corporate office resides in NY), so I was not covered under
Massachusetts laws (which mandates IVF coverage). It did allow me some coverage towards IVF, with a lifetime cap, but once I maxed that, DH and I had to purchase secondary insurance, which was out of Massachusetts and allows up to 6 covered IVF cycles.