You won't have to pay anything if you're going public, as you've had a previous c/s. I had the exact same emotions you have, and at 36 weeks went from deadset no one can ever talk me out of it vbac, to holy sh*t look what happened to the last baby I had in me, get this baby out! Safe and sound. I had time to prepare, do a c/s birth plan etc. It was beautiful, and I don't regret it one bit. Hope you decide on something you are happy with xx