Emma - are you weighing up T'gon v W'gul hospitals? from what i've heard W'gul have a much higher level of care.

i would check with your PHI about coverage. Most obstetric coverage only has a 9 month waiting limit - so essentially you have to be covered before falling pg. i'm about to call my PHI as i look to have to have shared GP/Ob care and want to know what it's going to sting me for the Ob side of things! i have medium (i think) hospital cover so i'll have some out of pocket, but not sure how much