My actual delivery cost was pretty low. I think I saw the bill and it was $400 for a vaginal delivery (one peth shot was teh only drugs). The costs to stay in hosp varies from hosp to hosp but I think it was $750 a night as a girl i knew was paying privately.My daughter stayed in the nursery for two wks and i think her bill was about $7k. It pretty hard to estimate as when you have private health you just forward on the hosp bills and don't have to pay them. I do remember thinking lucky i was covered for my daughter. I have a feeling that a c-section is $4-5k as I think the girl who was paying privately said she spent close to $10k for the ob, hosp & her c-section. Fortunatley for her her baby had no issues.

If you have to be here for 3 months you would need to see an ob here and their fees vary siginificantly. My ob charges $2k care fee and $1k hospital fee.

You say you are coming home and can stay with your mum. Are you still covered by medicare?? If so you could also go through the public system or may find that medicare will cover some of the cost if you go private which would make the out of pocket to be covered by your insurer less. Also you could take out family cover here to at least cover the baby if it had issues, we had to upgrade ours to family cover at least 2 mths prior to birth and it's recommended that the baby would be covered from 24wks gestation in case of preterm birth. But i am not sure if that would apply if you were only just taking out cover as well instead of upgrading.