I'm going private, and while I'm in NSW my costs are alot lower than that

OB Fee was $2300 - I got $500 back
It is about $80 a visit to see my OB, of which I got $40 back from medicare, but now I've reached the saftey net I get $70 a visit back.
I am with GMHBA and pay $200 excess for my stay with the only out of pocket being if I need an anethatist, however there is always this out of pocket regardless of any operation I've found :S

I have a 4 days stay for normal uncompliacted delivery and 6 days for ceaser in private room. My husband can stay with me and most likley will which only costs $40 a day or something.

Hope this helps, hopefully you can get an OB that dosen't charge a large delivery fee. I know there are some in NSW that charge up to $10k or more. I couldn't justify that!