I have Blue Cross and really had a fight with them regarding the Synagis for my daughter. I went to a second level appeal and eventually had to go to an independant medical review, where they did agree to cover it. According to the CF foundation SYnagis should be given to all kids with CF until 5. In California where we live the Synagis is covered for kids with CF until 5 if they have state insurance (MediCal or California Children's insurance) but not by the private insurances. I went to the Department of health and human services website for California and printed thier policy for coverage of synagis and then sent it to Blue Cross saying that if I did not work it would be covered, they then covered it for my daughter. I am not sure what state you live in but usually DHHS has the same policy state to state.