I had a bad birth with DD and due to that I am having an elective c/s with OB advice aswell. So far as far as I know there will be no additional costs. I am in medibank private. I know that I have to pay for some of the aneathetists bill, but I did with DD as I had an epidural. The reason I am having one is that there is a 60% chance of permanent bowel damage if I went for a vaginal birth again. The OB left it up to me either way. I would suggest talking to your OB about it all, the worries about it and they are sure to give you all the information regarding whether you should have a c/s or not and then you should ring your health fund(if any) or hospital that you would plan to have your baby at and find out about out of pocket costs and the amount of time you have to pay them and if they expect anything in advance.

Hope that helps.

Love