Daves Girl, just saw you question re OB costs by private health insurance.

Your private health insurance only covers your stay in hosiptal and associated services, it does not cover your OB's services. OB services are rebateable by Medicare and the amount you get back will depend on the gap and if you are at the 80% threshold. Also OB's tnd to use private clinics for ultasounds etc, so these dont tend to be free either and once again you will get a medicare rebate.