One really important thing to consider before choosing to have a CS is "How many babies do you want?". A first CS is a bit less safe than a vaginal birth; but by the time you get to the 3rd or 4th CS there are more significant risks. And looking after a toddler and a newborn whilst healing from a CS (which includes restrictions on driving and lifting toddlers for at least a month) isn't easy either.

The hospital charges if you were to pay completely for a CS yourself would be a couple of thousand dollars - and then you have anaesthetist, paediatrician, ob and assistant ob gap fees - probably another $700 or so. And the "out of pocket" ob management fee of around 2-3k. How about you call a local private hospital and ask them for a quote - that way you'll know what to expect.

Being a "private patient in a public hospital" may be a bit cheaper, but not a whole lot.