If you have private health insurance, the overall cost of private obstetrician pregnancy care, private hospital birth and postnatal care can range from $2500–$20 000.
It’s a good idea to ask your private health insurer and your obstetrician about costs. You might also need to think about these issues well before you try to get pregnant, because some health funds have long waiting periods before you can claim pregnancy-related expenses.
You’ll need cover that includes maternity care. Check your health fund for costs, waiting periods, coverage and out-of-pocket expenses. Some health funds offer a ‘package’ of care that includes pregnancy care with your obstetrician, care at the birth and the postnatal check. It’s a good idea to get a quote so you can see exactly what’s included.
If you don’t have private health insurance, the cost of private hospital pregnancy care and birth can range from $9000-$30 000, depending on your care needs and your baby’s. Your baby’s care needs might be very expensive if special care or an extended hospital stay is needed.
Here are some of the costs you can expect with private hospitals:
- You pay for appointments with your obstetrician. You can get part of the cost of each appointment back from Medicare.
- You pay for your obstetrician to be at the birth. Many obstetricians also charge an extra fee for caring for you during your pregnancy. You can claim some of this cost from Medicare and/or your private health fund.
- You pay for your hospital stay. You can get part or all of the cost of your hospital stay back from your private health fund, if you have one.
- You pay for the costs of some tests and ultrasound scans. You can often get some money back from Medicare.
- You might have to pay for birth classes if the private hospital doesn’t include them in its package. If so, check with your fund for possible rebates.
- You might have to pay for a paediatrician to give your baby a health check. You can often get some money back from Medicare and your private health fund.
- If you have an epidural, there’ll be a cost for the anaesthetist. You can get some money back from Medicare and/or your private health fund.
- If you hire a doula, there’ll be a cost, which depends on the doula’s experience, level of care and involvement in your pregnancy.
- Check with your obstetrician about any other costs. It’s good to be clear from the beginning so there are no expensive surprises.