I had an emergency section with my first going private. OB was covered as he charged under the gap, however, a week after being home, received a bill from the anaesthetist for $2500 reduced to $1500 if paid before a certain time! We were never informed that we would be receiving a bill, even though I saw him the next day, and after calling them to be told its because it was after hours. We sent in a letter (as a friend of ours had been under general to get rid of retained placenta - same hospital, same private cover, only had to pay excess) and they put it on my OB in their reply along with a pamphlet saying my OB should have given it to me. Pamphlet was for planned sections! My OB was disgusted with it and even called them to get the fee waived - they wouldn't, so ended up being about $900 out of pocket. They were the only anaesthetist group in the area I lived and charged what they wanted which was well above the gap.