Hi @Romla
Even if you go to the public hospital your private cover can be used so you need not feel guilty at all !
My husband recently went into a public hospital in an emergency as the private one was on ambulance bypass - and the first thing they did was get him to sign up so they could access his private cover.
I know some ladies have their surgery in private but request using the public system for chemo and/or radiation - and they were in as quick as can be with excellent care.
Hopefully some Adelaide ladies will come on line and tell you of their experience in SA.
Big hugs Summer :-)