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Good advice "just in case".... I just got a provider directory in the mail but I need to actually look at the policy- Blue Cross Blue Shield PPO in Fl... Supposed to be a great plan... will check it out, thanks.
 

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just checked mine out online- for those who may have Blue Cross Blue Shield Florida "State Employee" coverage:

Payable Network - 80%
Payable Non-Network - 60%
Special Limits/Circumstances -

Fertility Testing and Treatment Services:

Some fertility tests and/or treatments are considered investigational or experimental and are not covered.
Artificial insemination, gamete intrafallopian transfer, ovum or embryo placement or transfer, in-vitro fertilization, cryogenic and/or other preservation techniques used in such and/or similar procedures are not covered.

of course, hoping I won't need that info myself (and no one else here of course!), but sharing just in case anyone else might need to know.....
 
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