I have just discovered that I am 5 weeks pregnant and need to consider whether to go public or private for the birth. This is my first baby and this is all very new and scary to me. I do have private health cover with Medibank and have been informed by them that my costs for a private hospital will be covered (I have a $250 excess) but I am unsure whether they meant that is just for the room or whether that actually covers the cost of giving birth, for example, the theatre costs if they were necessary - does anyone have any experience of going private while using Medibank?
My second question is about the private obstetrician. I have been in contact with one who was recommend by my GP, he works out of Glengarry Private Hospital, and today I have received his cost structure. I have calculated that after the Medicare rebates it would cost approximately $3000 which includes his consultation fee, all of the ultrasound scans, the OB's planning and management fee (aprx $2400 lump sum payable at 20 weeks) and post-natal visit 6 weeks after delivery. However, it does not state what costs might be incurred for an anaesthetist or paediatrician, if they were required, and wondered if anyone can answer this for me? The OB does state that all inpatient fees generated by him will be directly billed to my health fund (Medibank) so I am wondering if this is what he means? Or if he means that is the cost of staying in the hospital, plus theatre costs etc?
Can anyone give me a rough guide as to the total cost I am likely to incur by going private?
Any help, guidance, shared experiences would be gratefully appreciated.