BC/BS has a bazillion different policies and mine does cover mental health. I am sorry you are having down times and I can relate to the "everyday the news is not always good news"............my husband's surgery bill is now a little over $100,000.00 and we have a 20/80 medical insurance policy.
This for me is one of those "you don't have any choices so accept it and move on". The good days are out there so look for something good and let go of some of the stress.
The site has not been down so perhaps your server was the problem..........now I could be wrong........as I know I often am when it comes to IT stuff.
Hope your day is a better one.
Take care, Kitt