I had single cover and then swapped over to single parent family after the twins were born. DH is in the navy so therefore does not need private health. We werent out of pocket any money when they were born. They were private patients in a pub hosp, as was I. I only had to pay for my excess. Then i swapped them on to a family cover about three weeks after they were born.
I was in hosp for at least 15 days, and the bubs for almost 3 weeks in SCN, the bill came to thousands but i paid none.
Mel