Shellbelle, I understand your point. But I do think it's a shame that OB led care is the only widely available choice for people with PHI. Why aren't independent midwives cvered? Why aren't homebirths covered?
There are a few options for people with PHI, at leat here in QLD there is Nambour Selangor Private Hospital which has an excellent reputation and offers midwife led births and waterbirths. It is extremely popular and people travel there not only from all over Australia, but also from other countries. So it is quite obvious that there is a need for this type of institution. It must also be financially viable, so I don't understand why there are not more PH like this springing up in other parts of the country.

By the way, I cannot believe that it is more expensive to pay for a midwife's services, even if it includes multiple home visits, than it is to pay for an obstetrician, assistant, anaesthetist, paediatrician and a midwife which would be necessary for a c/s delivery which is proven to be more common in OB led care models. So, if saving money is the ultimate goal, then pushing midwifery led care is the best option. But there are obviously other interests at play here.

Sasa