Thanks everyone for all of the information, very helpful. I have an appointment this week with my current gynaecologist - she doesn't bulk bill and only delivers at Casey Public Hospital in Berwick (Melbourne). From what I understand they are only set up for low risk deliveries. Should I have her refer me to another doctor, or should I have my gp refer me to the hospital (Frankston is where I'd like to have the baby) or what? I definately want to keep the out of pocket expenses down, but also want to be sure that I have the c-section somewhere that is ready to handle any unforeseen emergency that (God forbid) should arise.

Thanks again for your help, and I'm glad my post has been helpful to others as well - hi-jack any time!

-Stephanie