Sorry to hear your going through this
it can be a very painful road, and what your feeling is completely natural but I would definitely suggest finding out sooner rather than later as not knowinb can lead to so much stress for you both but have you looked into a health fund at all? I know they r expensive but you could always just have a single cover which is what I have and some have shorter waiting lists than others. I joined Latrobe as they only had a 10 month obstetric wait and there was no exclusions as they only have top cover but was same cost as medium cover in other funds, but so far they have been fantastic as I was only with them for over 4 months and I had a missed miscarriage and they covered my d&c in the private even though I hadn't served my full waiting time they treated it as an emergency...so well worth a consideration if your heading into needing anything done might be quicker than waiting lists
Good luck I hope it l turns out well for you and I think you'll love BB I've only been here for a short time and found the girls so supportive