Also, check your PHI - mine covers the cost of DH staying with me which is $70 per day for Murdoch, they also cover the paediatrician visit for bub as we are on a family policy already (just have to register his birth within a certain timeframe to get him added) and covers for any anaesthetists charges as well. So really, all I'm paying for is the planning fee and pre-delivery visits to the ob etc. Which yes, you do get some back from Medicare especially once you've paid the planning fee as it puts you well and truly over the safety net. So I'm paying $115 per visit but getting $70 of that back each time now.