DGirl I had the same issue with my health fund :roll:

Basically they have told me that they will pay any difference between the Medicare schedule fee for hospital stay, some for my Ob etc and the baby is classified as a visitor. If the bub needs to be admitted to the special care ward then I would need family cover for 12 months, or I can go on single parent cover two months before I am due to give birth (which I might end up doing as it will be cheaper for the first couple of months and then DH can transfer).

If you are with MBF I can help you.

It doesn't make a lot of sense does it?!