I think you would just have to weigh up the costs to how worthwhile you think a hb would be for you. DF and I have no PHI but will be paying for one anyway, because for us, the 3 or so grand it will cost us for an IM will be SO worth it, money well, well spent. I can understand your concerns about having to need an OB halfway through. Aside from bubs coming a little early, did you have any other complications during your pregnancies? Just as an example (we have had a LOT of time to plan/discuss things lol) DF and I plan to hire an IM from the word go. WE plan to have her do our pre-natal checks AS WELL AS at the hospital; we would like her to attend those appointments with us. That way, if something transpires during my labour which would require me to need hospital care, they have everything on record, all the info about myself and baby throught the pregnancy, so they will be able to treat me accordingly. Just another thing to consider I second what everyone else has said and have a chat to some IM's and see what they have to say about your concerns etc.

Good luck hun and again, soooooo over the moon for you