I agree with Clover about the area.
I had DD1 in Sydney, private, paid for everything.
DS in Southern/Central NSW, private in a public hospital as no private GPs. Paid for no bloods but all scans until the end when someone suggested (like one of the m/ws) I ask for a hospital u/s (was having lots after some probs) and that I should have done that all along and not paid for anything.
DD2 in Central Australia. There is no private care here. I didn't pay for anything.