Choosing a hospital
Speak with your GP about choosing a hospital, and recommending a good obstetrician. Do your research to find out what facilities and services are important to you (eg breastfeeding classes, an intensive care unit or special care nursery).
If you're choosing a private hospital, pick a CBHS contracted hospital to help keep your costs down Click here to search for a hospital near you.
Arrange a visit to the hospitals you're considering to familiarise yourself with what they offer.
Keeping costs to a minimum?
It is important to request an informed financial consent or a written quote in advance when first consulting with your chosen health professional. This means more transparency about fees and costs, which will allow you to budget more effectively during your pregnancy.
CBHS is dedicated to helping you minimise your out-of-pocket expenses associated with the birth of your baby.
Here’s a quick overview of the costs associated with having your baby in a private hospital:
If you have hospital cover that includes pregnancy and have served your waiting period, many of your inpatient (while you are admitted to hospital) hospital costs will be covered. It is important to note that you may experience out of pocket costs for medical treatment from your obstetrician therefore it is advised that you consult with your obstetrician on the proposed costs associated with your pregnancy and the birth of your baby.
Private health insurance cannot cover outpatient costs (when you are not admitted to a hospital). Medicare will pay a certain amount and you’ll need to pay for the remainder yourself.
It’s important to know that most of your antenatal appointments with your private obstetrician/midwife and medical tests and scans during your pregnancy will be as an outpatient and therefore won’t be covered by CBHS but are eligible for rebates from Medicare.
Your outpatient costs can vary greatly depending on how much your obstetrician charges so it’s important you give your agreement to these costs (preferably in writing) upfront. This is referred to as receiving Informed Financial Consent.
Check with your obstetrician about whether they will be willing to participate i CBHS’s Access Gap Cover Scheme, as this can help you reduce your out-of-pocket expenses. Anaesthetist, assistant surgeon and pathology fees can also be reduced if these professionals participate in the Access Gap Cover Scheme.
After Baby is born
Once your baby has been born, there are some steps that you will need to take to ensure that your baby is covered under your private health insurance policy. You will also need to ensure that you claim for your baby’s medical expenses, so that you are not more out-of-pocket than you need to be. Please refer to the section below on the ‘Status of baby’ to see if you are eligible to claim for these medical services.
Don’t forget to contact CBHS after the arrival of your baby. You will need to provide us with basic information such as the baby’s full name, date of birth and gender so that you can ensure that they are covered under your CBHS membership.
Families with single parent or family cover will have waiting periods waived for the baby as long as they let us know about the new baby within two (2) calendar months of the birth. If you are a parent with singles cover, you can also have waiting periods waived for the baby if you upgrade to sole parent or family cover within two (2) calendar months after the baby is born. This change needs to be effective from your baby’s date of birth.
Remember to claim for medical expenses after your baby is born. If your doctor participates in the Access Gap Cover Scheme, he or she should bill CBHS directly for in-hospital costs. If the bill is sent to you, forward it to us and we will process it for you. If your doctor does not participate in the Access Gap Cover Scheme, you must take the bill to Medicare and claim through Medicare first.
You can find out more about the Access Gap Cover Scheme and participating doctors here. To find out more about Medicare coverage for pregnancy, the birth of your baby, including current Medicare Safety Net thresholds and the Extended Medicare Safety Net, please visit the Medicare Safety Net page.
Status of baby
Your new baby will usually be classed as an outpatient after delivery, so any additional tests or medical consultations will not be covered by CBHS and may only be eligible for a Medicare rebate. This is due to rules by the Department of Health, which state that gap medical benefits apply only when the individual is an admitted patient.
However, your baby may be considered an admitted patient if any of following circumstances apply:
- Your baby is admitted to an approved neo-natal intensive care facility (Special Care Nursery)
- Your baby is a second or subsequent child born as a twin or in another multiple birth situation
- Your baby is more than 9 days old and remains in hospital.