[azariah08]

I work for one of the Blue Cross Blue Shield plans. There are ~37 different BCBS plans in the U.S. They belong to an Association so share some rules to carry the brand - i.e. customer service requirements, claims payment requirements, etc... but other than that are run completely differently from each other. You can kind of think of it like a franchise (aka Subway).

That being said, it is typically your employer that chooses to cover infertility, NOT the insurance company. The insurance companies job is to "contract" or create a relationship with each of the doctors in their geographic area and negotiate a mutually agreed upon rate for services. However, the employer sets your benefit - copay, coinsurance, whether to cover infertility, how much to charge you in premiums, etc....