13 weeks still got time to choose your doctor. I strongly suggest Gov unless you have a very good parachute because NICU in private is no laughing matter. C sec delivery charges is easy to estimate and plan for but you cannot plan the duration or extra circumstances in the NICU and it can be very costly. 20k upfront with another 20k as backup.

Do you really want to transfer your babies when they already needed to be in NICU because you're worried about the bill ? Or worse the private hospital don't think you can afford it and ask you to move. No offense to Gov doc and nurses but when you transfer there from private they will be very judgemental like no money already ah, kenape tak stay at private etc.