@strongtogether - as with some of our members, I went private for surgery & public for rads. I had a pretty big 'gap' in the private surgery (about $6000 including gaps in scans, meds over the last 18 monhts etc) whereas public rads was totally free. I even stayed at the hospital for the month at the Lodge provided for patients & their families at Minimal cost (1.5hr drive each day, each way otherwise!) So definitely ask about going public for the surgery as well. Most surgeons work in both systems, at the same hospital! My Health Provider NIB took care of the 'hospital costs' but not the surgical costs. Ask THEM how much you are covered for, with the surgeon's fee. They cover the bed and theatre costs - just not always all of the surgeon & anaesthetist!
All the best with your decision making xxx