Hi- I was just wondering if anyone has done IVF with PGD in Masschusetts with Blue Cross Blue Shield as your insurance? RSC wants me to put up front $4050.00 as a retainer and then get reimbursed after the cycle because it is PGD. I have done two previous cycles of IVF and I have not had to put any money up front. I just want to make sure I get reimbursed. Anyone else go through this? Thank you!