Notes: Although this is a crackfic trope, we are trying to take it seriously and so there will be times when people sit around and discuss options. And in a situation this unusual, one of those options is going to be termination of the pregnancy, so if that's a problem for you, you might want to bail now. Also, while the title once more comes from the medical insurance industry, its real meaning has nothing to do with the fic. It just sounded right.