It depends on your OB (mine is v expensive) but I am currently out of pocket just under $3K. By the time bub is born, and including private insurance excess I'm counting on about $3,500 - $4,000. That includes scans as well.

The biggest impact to the safety net is the cap on the management fee - I got back $475, against a charge of $3,000. But I hear of alot of OBs charging around $1500 so you could do it a lot cheaper. I just love my OB and wanted continuity between babies.

Hope that helps..