Thanks for all of your help! Its put my mind to rest to know that I will be able to have the baby without too much out of pocket expense, even though I don't have private cover.

Shannon - Good luck with your upcoming delivery! Oh, and yes, I do have a Medicare card...thank god! A few months after I moved here I ended up in the Emergency Room at Frankston Hospital with a pulmonary embolism, there were tests and scans and a 3 day stay in the hospital, plus 2 days of home visits for Heparin injections, then blood tests every few days for months......it cost a fortune, and we're still trying to pay off the hospital bill! This happened exactly 1 month before my wedding, and about 6 weeks before I was eligible for Medicare - talk about lousy timing!

Thanks again everyone
Stephanie