I have top/full cover with HCF for pregnancy/birth so if I decide to go private for my pregnancy do I still have many fees to pay? am curious as I hear different things and am now wondering if PHI is worth it. I wanted to go private as wasn't happy with the public hospital here 10 years ago when I had my daughter but being a single Mum I do not want to be out of pocket by too much either. Maybe I am dumb but I thought if you were fully covered then your out of cost fees were minimal to nothing, except maybe the excess ... isn't that why we take out PHI for pregnancy? Or have I been throwing money away for nothing?!!