Hi I'm new here
I'm 9 weeks pregnant with my first child, and here is my situation :
My husband and I are living overseas. We both have Australian permanent resident visa. However, we would be considered non residents for tax purpose by Australian Tax Office, hence can't use Medicare until we move permanently to Australia. My husband's employer provides health insurance, but it does not cover any overseas child birth, meaning our health insurance will not be valid for any pregnancy related expenses in Australia.
Bottom-line: we would be spending our own money.
We want the child to be born in Australia, so that he/she can be an Australian citizen, and thus want to avoid the long process of sponsorship through 101 visa if born overseas when we finally decide to migrate permanently.
I would want to stay clear of private hospitals (high costs), and am thinking of going public (out of pocket), with a private OB in Melbourne.
My questions :
1) What would be the total expected costs in my scenario, the worse case: let's say I have to have a C section, with 5 days at hospital, and the best case: normal birth?
2) When should I move to Australia for delivery to be able to successfully use the public system? At present I am thinking of arriving at 30 weeks, so would I be able to get into a Melbourne public hospital by that time?
3) Any tips to navigate the public system, and "gotchas"?
4) Any other options that would be more practical in my case?(new country, being alone, various unknowns)
I know some of these questions can be answered directly by the hospitals (which I'll try to), but before I do that, I am looking for some real life experiences (to avoid last minute surprises) regarding the public system. I need the info to plan accordingly, for child birth in an unfamiliar system, so any feedback would be appreciated. It's an exciting time for me, but I am also a bit nervous