DGirl - what they have said above is correct

To give you an example.

When I had my son the hospital I went to had an agreement and thus all my costs for the hospital stay itself, including meds, pathology in hospital etc. were covered - OBs anathetists, assistant surgeons etc can leave you out of pocket depending on what they charge.

My new son however got visited by paed every day for six days and had to have two lots of scans during that time - all of these were treated like an outpatient and thus not covered at all by private health fund