I have single parent family (DH is covered by his work) and its $120 per fortnight for top hospital and top extras. I was going to cut down after the next baby is born, but now I'm going though a Birth Centre anyway, which is public. But I'm not sure what level to go down to and it doesn't drop all that much.

My cover, even though top extras, doesn't cover an OB. I wish I had looked up that bit before joining... But when I had DS I got 80% back anyway. Now that the Medicare rebate has changed, we would have been $5000 out of pocket if we went through an OB.