Hi
I hope this sorts itself out and soon.

we are with HCF and couldn't be happier we have top family plus multi cover.
as far as i know with most places you have to have family cover for 6 months brfore you give birth. so it all sounds a bit fishy to me.

funny thing is this time with my twins im going Private but the babies have been booked in public. i know a lady who had twins who needed special care and she left the hospital with a $15,000 bill. as her insurer only covers up untill a certain $ amount and her babies care cost more than thay pay. this time i get the nice room and stuff with the bubs but they are all free no matter what care they need.

good luck anyway