Just wanted to add that you can also claim the out of pocket obs fees on your next tax return. As somebody else mentioned, the Medicare rebate is capped and reduced from what it used to be, however, you can get about 20% of the remaining out of pocket expenses back at tax time.

Also, if you have an 'elect' c/s (as in, not being given a choice), it's going to make caring for twins and older siblings that much harder in the first few weeks due to the longer recovery. Just beware too, that if you get DH on board to agreeing to the costs etc and you end up having an emergency c/s for whatever reason, that he doesn't get cranky at the end of the day for spending the money and not having a vaginal delivery. We just went private so that I could try VBA2C and ended up getting pre-eclampsia at 40 weeks and a repeat c/s. Luckily DH wasn't phased about any of it, but I can see the potential for $ being an issue if you ended up having an emerg c/s. So might be worthwhile really stressing the importance of your birth wishes and not feeling like you're being pushed into something that you may not need, regardless of the outcome in the end. It's the journey and your wishes that's important throughout. Wishing you all the best!