I am an insider (but not with BCBS). Call them (or find their website) and download a member claim form. Attach any receipts and records you have and fill out the form. Mail it to the claims address usually located on the back of your member card.. . Your plan may not cover it (most don't, sadly). However, there is no penalty, premium increase, or anything of the sort for filing a claim. If it gets denied, then it gets denied. However, if you have the benefit available to you, it will get paid. I would suggest you submit it either way as 'mistakes do happen' and some claims will slip through and get paid even when they're not supposed to.