I have had both my bubs in a private hospital and never paid anything except $60 a visit for my OB (occassionally more) of which about $30 was refunded by medicare. Yes we had to pay for the paed with DD but not with DS. After the issues wehave had with DS being able to go private has been a godsend as we have been able to get things sorted very quickly. Not to mention extras cver like chiro dental and optomitrists