Grr! Im sooo confused!

My beautiful baby girl i had in a public hospital, no problems what so ever, absolutely lovely doctors and midwives - cost me zero dollars

Since then a friend has just had a baby girl in a private hospital, and i am cooonstanntly getting the 'bragging' sensation that they're so much better than us for going through private (sooo annoying!)

I have always had private health cover (MBF), but not my own, just lucky enough that my parents still pay for me to be under their cover. So i am covered - but not DH or DD.

I am pregnant with baby two, and don't know what to do! I am thinking, "gee it would be lovely to have a private room so DD can run around and be happy when mummy's in hospital". But i am constantly worrying about what costs it will have.

If i choose to use the private health, but still go through the public hospital (therefore get my own room), how much will it cost me in the end - if anything?? My health cover will cover me, but not baby#2 once it is born. So does that mean i will be stung for everything to do with baby (jaundice, blood tests etc), or will baby instantly just be part of the public system that medicare and the government pay for?!

Or do i just go into MBF, upgrade so the whole family is covered, and go totally through the private hospital? how much will that cost? and will i even be covered with the waiting periods? (My current cover with my parents is the highest one, but not sure if you still have the waiting period when you change over to your own).

Ive been searching the MBF website for hours and can't find my answers.
Im worried if i go in and ask these questions i'll be told that i have to use the private health if i have it (when i might not want to use it if its going to cost too much!)

GRR! and the b*tch inside of me would love to have baby in the private hospital just so i can tell people that all of the drs and midwives were EXACTLY THE SAME as the ones at the public hospital. FOR GODS SAKE THEY ALL HAVE THE EXACT SAME TRAINING!!! Grrr!!!!

AHHH!! please help me! I can not sleep i can't stop thinking this over!