public system or private health insurance?

Hi, I'm so sorry for your diagnosis.  So many decisions to make and all the information can be overwhelming.  I had an invasive ductal carcinoma in July picked up in a routine mammogram. I'm also 55. I have known my GP for over 30 years so he was the first person I went to after getting my biopsy results.  Sadly his wife had the same type of breast cancer 12 months before.  She was happy with the surgeon they chose so that was a pretty good recommendation for me. He specialises in only breast cancer and breast cosmetic surgery & operates out of a private hospital. I went private as I wanted this surgeon to treat me. He gave me all the options and honest info re outcomes and expectations. I had a left nipple sparing mastectomy with immediate silicon implant, 3 lymph nodes removed, all sorts of pec muscle cuts and repairs. This cost around $7500 with out of pocket approx $4000. The anaesthetist only left me with a gap of $500, not too bad for 4hrs surgery. All my follow up consultations to the surgeon were covered in his surgery cost.  I have absolutely no doubt that I would have received equally amazing care had I gone public but for me it came down to wanting a particular surgeon. As other ladies have said, there are a lot of other expenses not covered by private health. The MRI was $500 alone! 
I was fortunate not to need any further treatment (1.3cm grade 1, clear margins, clear lymphs) and am happy with the reconstruction, a good size/shape match to my healthy breast.
Make a note of all the questions you have, even if you think they are silly. Otherwise it's so easy to forget half of them during the consultation when you have information overload!  Don't forget to ask questions here too - we have all had different experiences and the ladies have so much to share.   Good luck, wishing you all the best with your decisions.  Jane xx

I was given the choice of either public or private by my surgeon as he did both. I chose private as he didn't charge any gap nor did his anaesthetist. Check on your health cover website for the list of provider surgeons. I chose the surgeon who works with breast screen Australia in consultation with a multidisciplinary team who discussed my case and came up with the best way to treat me. It has only cost me the hospital co payment for surgery and all chemo treatment has been free. All scans, blood tests etc have also been free. Hope all goes well for you
Bev 

Mid December  is not far away and being dcis I think an early January surgery is not a long wait. i know of  women who have paid thousands of dollars for  their surgery over their health fund cover. meanwhile you can start to think of options...lumpectomy or mastectomy, reconstruction or not. This way when you have the talk with the surgeon you at least have heard and know  of options. I had invasive bc biopsied 17th Dec, results back 29th. Appt. Jan 5th and surgery bilatetal mastectomy with tissue expander reconstruction done 20 days later. in between I had mri scans, bone scans, ct scans and my pre op workup. Ask your breast surgeon about your concerns of a delay in surgery. GPs don't have all the details or knowledge that a breast surgeon has. Take care. Kath x

@Ilovehuskies

Hello! Im so sorry to hear of your diagnosis, my question is who has said you need a Mastectomy? did you have surgery already as in a lumpectomy, is that how they got the pathology? or did they ascertain that through a biopsy? For Public Hospitals they have 3 categories, 1 being the most urgent and you would be placed at the top of the list which would get you in before Christmas. Have you seen a Specialist or only your GP regarding your results, as I think a Surgeon is definitely the one to talk to about all of it. My surgeon is private through Freemasons in Victoria, but also works in the Public System. I went private in 2011 and 2015 for lumpectomies and apart from my excess for the year and the Anaesthetist the hospital was covered. I am now scheduled however post Chemo for a mastectomy/reconstruction using my Surgeon plus a Plastic Surgeon and they are putting me through the public system as there will be no cost and he's placed me as Category 2 so within 90 days. I had a recurrence, Grade 2, Stage 3 aggressive, lymph node clearance. I have negative BRCA Gene, and am ER+ only and on Arimidex. If I went private and elected it, Id be out of pocket approx $10,000 inclusive of Anaesthetist whose bill is $4,000 ridiculous!!! So you really need to see a Surgeon to make a choice, public or private and more importantly discuss with confidence your diagnosis, treatment with a reputable Surgeon. Hugs Melinda xo

Hi. I was pretty much in the same boat tossing up whether to go public or private for surgery when I was diagnosed with Grade 3 HER2 positive invasive ductal carcinoma with a proliferation rate of 71% (anything over 25% was considered high). Having to pay the gap was an issue for me but even more of an issue was my psychological need to keep my nipple. In the end I opted to go private because I wanted a particular surgeon who specialised in nipple conserving surgery. I ended up about $4000 out of pocket for that particular surgery which was a lumpectomy and reconstruction using my own breast tissue. I couldn't wait because it was classed as extremely aggressive and HER2 positive. My mother in law was diagnosed with DCIS and they told  her it wasn't  as urgent that she have surgery so she took a bit longer to make a decision. I think it comes down to how comfortable you feel with the surgeon. How much the GAP will be will be very different depending on the type of surgery and the surgeon. Good luck with it.

Hi. How awful you have to make this decision. I live in Melbourne and my surgery and follow up care has been with the Royal Melbourne, plus the Women's and Peter Mac. I didn't have private cover so everything has been public. The service amazing. I am so greatfull for the care I've received. No out of pocket. 
A close friend however chose to use her private cover. Her treatment was no better or faster than mine and financially very hard for the family. She was out of pocket $1000's in the first months. It's made things tuff with her not being able to work. 
Not sure where you live but if you have a breast care nurse they are fantastic at providing guidance. Maybe don't make decisions until you are confident with the choice. 
All the best xxo
janine