I have private cover so I had no out of pocket expense, but I did see the bill that went to my insurer from the hospital and it was over $24k (me and DS). I was in hospital for 2 weeks prior to birth, had c/s so theatre fees too, then 7 days post birth with DS in SCN. Hopefully everything will go smoothly for you but perhaps look into other costs too, what if you have time in hospital before birth? What if bub needs SCN?