Thanks Nai - I called back and asked. I didn't want to look silly, but meh

Apparently the first appt I get $100 back from medicare. Nothing back on the 20wk payment, $500 on the 30wk payment. The remainder of the total is claimable on tax. So total out of pocket is $6,685.

I'm trying to work out if it would be worth it.

On top of this, we'll be needing a lot more scans, which we prefer to get a private OB sonography specialist to do. We'd be able to get a lot back from those through medicare (about half I think).

We have a $500 excess on PHI as well.