Hi Vianna,
Congrats on the pg.
Without private cover you will be up for almost all the hospital fees yourself, medicare covers very little. I think my statements from MBF said that they had paid out around $3000 for my VBs and closer to $6000 for my C/S.
The ob fees are up to you irrelevant of private health cover, but you get about half back from medicare. If you reach your safety net then you get almost all of your ob fees back. If you ask the obs they will have bool;ets detailing fees and medicare rebates for each thing.