Jennifer - can I ask which health fund you are with? I'm with AHM - I called them at 6mths pregnant to ask whether I needed prior approval to claim on midwife-assisted HB and the consultant said no, to just lodge the claim with receipts after the birth but I'm not confident I was given accurate information?
I'm with Australian Unity and they specified to advise them in writing. My m/w is registered as a provider with them and the only other thing the letter said was confirming I have had my level of cover for 12 mths prior. HB wasn't covered in my other fund. I guess it's just to confirm you can claim? I don't get the whole cost back, but I do get a fair chunk of it.