Completely overwhelmed

so, found lump a week ago, had biopsy 3 days later after mammogram and ultrasound. Had to wait to today for results. Thought was going to have lumpectomy and radiation but today told it's a triple negative high grade tumour so seeing oncologist next week to talk about chemo.
feel very under researched! I had spent the intervening days looking at all the lumpectomy reading and therapy, now feel like I have hit by a truck...
my main worry (after the cancer and my kids) is costs, I do not understand how the health system works for cancer. My consultant has sent me to a private oncologist, is this normal? I have bupa (who, when I thought it was lumpectomy said they cover costs) but I don't know what they pay. I am having CT and bone scans on Monday, and I know there is a rebate on that. I am just so confused, just wanted to talk, thanks X