HPHC only cares about the most recent blood test result and they won't go back to find a previous high FSH number and deny you. but they need preauthorization to do ART, even for IUI.
BCBS of MA (I have PPO plan,I don't know the other plan) don't need authorization for IUI as long as you pass clomid challenge test, but they need preauthorization to do IVF. If they know you have failed CCCT in the past (before 40), even you can pass the CCCT test now, they will deny you for sure. Don't even bother to ask them. Hope these info are useful for some people who need them.