I went with my private OB and while I didn't get as much back this time I still wasn't too badly OOP because my OB rocks (she is a fantastic OB too )D) and has her fees set up really well and is a lot cheaper than anyone else.
I did work out how much it cost me but I was less than $1500 OOP.

My appointments each were about $85 and initially I got back $45, then when I passed the MSN I was only paying $14.55 OOP per appointment. My Management Fee was $1060.40, I had just passed the MSN the day before by a whopping $1.80
And I got back $463.40, which was $200 more than if I hadn't already passed the safety net. Because my OB has payments we make with each appointment, we get a lot more back from Medicare, and because I passed the MCSN before my "big" payment (which is small in comparrison to so many of you) I got an extra $200 back.

My OB also had her own US machine, she was able to do all of the growth scans, uterine dopplers, cervix lengths etc, she also had a CTG machine, so when I had monitoring I was able to do it in her rooms rather than hospital, I don't think they would have let me out again had I been in hospital I only had an early scan at the WCH, and then the 12 and 18-20 weeks scans at a high risk clinic, we got a bit back from MC but not a lot. Delivery was paid for for PHI, and I never received a bill for my anaethatist (C/S) and in the end had a $400 excess for my hospital stay because DH used up my bonus points a couple of weeks before hand as he had to go in for surgery. But we changed our cover and now we get 2 free hospital stays per family and DD2 was actually covered from birth so we had no excess for her SCN costs.

So I guess if you are going to be high risk I would also see what scans they can do in their offices for you, and what might be extra's

I had a thread about it all, which has some great replies in it Medicare Safety Net, EMSN and obstetrics fees ~ I am confused can anyone help?

I am astounded by how much everyone has to pay, my OB is so cheap ad she had even put her fees up, since DD1. It was a pity my meds weren't covered, the cost me a packet, over $250 a fortnight for Progesterone and Nifedipine... only a tiny bit covered by PHI
but for me it was worth every cent, I was on weekly appointments at the maximum, she took phone calls and sms's and was there for me the whole time, she is worth her weight in gold, and lucky I don't have to pay that much

The decision you make will be the right one, it is a lot of money.....