Tashy - you need to ask them what the Gap is? That will tell you how much out of pocket. With a C/S you are covered with PHI and only pay the excess eg. I had a $500 excess on my PHI and everything else (except for the Wifi and the take home drugs) was covered by the PHI. Some anaesthetists and support OB's send invoices too but they are generally completely or mostly covered by Medicare as well.

The paed is medicare so you only get some of that back - I think I was $50 out of pocket.