Congrats on your pregnancy!

If you want to come home and deliver and dont have private cover you can just go public and I dont think you would pay anything.

We have private cover and have our own OB who charges $2200 for the preg and birth management. That is the cost to us, I know that "self insured" couples pay around $10-12k for the same care. We are choosing to go to a public hospital as in my opinion and experience they are the only ones able to deal with babies worst case scenario - the private ones cant do baby ICU or surgery on babies (needed both with first bub).

I would call your tertiary (major/largest with highest level baby ICU) hospital closest to your parents place. See what they offer.

Good luck.