The management fee is partly claimable. Of my $4k, $1600 was 'Gap' amount therefore not claimable at all. Of the remaining $2400, it was claimable. I got $2K back dueto being above the medicare threshold. That is the area that will change from 1 Jan.

My difference from the PP is that her $4K OB fee included a number of appointments, so medicare claims could be made against the appointment component (I assume).

When you say 'fees after the birth' - not sure what you mean? Your time in hospie is covered by your PHI (less your excess). SOme OBs include a 'free' 6 week postpartum checkup, mine charges $100. He is expensive!