Doctors don't hate babies, but when a fetus is killing its host laws on restrictions towards separation of a fetus should not hinder the medical expertise of a physician, and insurance companies should not make exceptions to coverage on medically necessity services requiring prior authorization on a service that is a matter of life or death. Imagine if you needed CPR but the insurance company needs to get a prior authorization before a doctor could perform CPR in the hospital, ..it's that ridiculous.