I'm currently with Medibank Private and have Standard Hospital with Basic Extras and paying $125/month. I need to up my level of cover to Top Hospital with Basic Extras which will cost me $165/month. Thing is, I'll need to wait out the 12 month waiting period before I can claim for obstetric/pregnancy.
I've just turned 38 so waiting another 12 months isn't an option, as the longer I wait the less my chances are of becoming pregnant.
If this is the case, looks like I'll have no choice but to go public, which isn't a huge deal as we have a very good maternity service here in Geelong. I would have loved to have gone private, but it just won't be possible.