Dave's Girl,

I haven't had my baby yet, so i can't say for sure, but the obs I use is supposed to be very good (a lot of ppl i know use hi, and from our 2 visits, he seems to be very good), and be one of the cheapest Obs around. His name is Dr Peter Wein, and he delievers at Frances Perry (where i'm booked for), St V's Private, and Masada (i'm sure at plenty of others, but these were the ones i was interested in).

I'm also very confused about all the fees, mainly cos if i'm more than 4 days early i'm not covered by my private health insurance and have to go public, and although I can pay for my obs to come at deliever me (i'll probs go Royal Womens i guess), i don't really think its so worth it. So i have to work out some arrangement about only paying the pees (he also does them in 2 lots, 1 around 20 weeks, and the other 30 weeks i think) but i only want to pay them if i use him.

Just so everybody knows this, Latrobe health is the only health fund (that i know of at least - and i called a lot of them), that only has a 9 months waiting period for obs, rather than 12 months like all the others. Even if you are already preg, they don't consider this a pre-exisiting condition (after a lot of phone calls to confirm this). However, i don't think they pay out as much in benefits to your obs. I know that HCF (which happen to be one of the cheapest i found, but had to switch from them due to the 12 month thingy) pays out one of the best. Just thought i'ld share this info with anyone it can help

All the best