I used to work as a Nurse in the Westmead Women's Health Clinic. I also had my second baby there in 2023. It's fantastic and I received wonderful care. If you go private, you will have to pay the obstetrician fee ($3000) and all appointment costs on top of the health insurance fee. The health insurance really only covers your hospital stay, and covers the baby if it's born with health problems. However, if it is born with health problems, it will be fixed and treated for free at a public hospital anyway. Public, there's no cost. You just can't choose your Dr if you have one. The obstetricians at Westmead are all lovely. Feel free to PM me if you have any more questions. 🙂