[EForEndeavour]

You don't think it's outrageous or at least cringeworthy that an insurance company used a one-size-fits-all, deterministic, possibly opaque and proprietary math formula to estimate an inherently fuzzy date based on a chain reaction of biological processes with duration error bars far exceeding one day, and then mechanically making an all-or-nothing coverage decision because of a TWO-DAY difference between that speciously precise date and the date on which enrollment forms were filed?

That may be the way the contracts and laws are currently set up, and if we want to have a child without going bankrupt, we have to play the game. But it's simultaneously possible to recognize that the system produces some deeply ridiculous cases such as this one.