...lurking...
This definitely won't solve all the problems, or explain why some states will cover hair plugs, but not IVF...but...
If you ever need help understanding your health insurance coverage for fertility, call the insurance specialists at Fertility Lifelines. It is a free service, and they will get in contact with your insurance provider and call you back to explain exactly what is and is not covered. They'll also send you everything in writing. This is a free, confidential service, and they also have nurses and counselors that you can talk to about your infertility frustrations. The number is 1-866-LETS-TRY, and you can also find out more at
Infertility Treatment and Information - Fertility LifeLines