I went public (Royal Brisbane) and the whole thing didn't cost me a cent. I was the same as Ambah - I saw the same team of midwives for all my antenatal appointments, so the one I had for the birth I had seen twice before. The care was fantastic and I wouldn't hesitate going public again. The only negative is sharing a room (and toilet!) with 3 others - I'll definately have to try your trick next time Ambah!