We had this same dilema as we only have singles health cover with no obstetrics... so we youred our public and private hospitals, and decided we actually like our public one better, so opted to go there. I haven't had to pay for anything, and their classes offered are more comprehensive than some of the private places offer, so I've been really happy. That said though, it comes down to piece of mind, and if you think you'd feel more comfortable with your choicve of doc then go private. I've seen a midwife for nearly all my visits, and they only bring in a doc to see me if there are complications.