I am sorry about your mum. Just wanted to say that I did my chemo private as well as my surgeries and the bill for surgeries was quite high. Not sure I would do it private again after hearing that you get the same drs pretty much if you do go public. The nice thing about private is I got to choose my surgeons which I valued heaps. With Chemo I was admitted every time so that was paid for under my hospital cover which helped heaps.
Also, I claimed my 'trauma benefit' from my life insurance policy. Only thing is, most companies will only pay out trauma cover for bc if patient needed a mastectomy. they normally don't pay out trauma cover for a cancer diagnosis without mastectomy (for instance just lumpectomy), So unfair!.
I would definitely look into being gene tested if there is such a strong history of BC. I myself got BC at age 39 and never knew of family history or genetics until I got gene tested and it turned out to be positive for the BRCA2 gene mutation. This meant I could be proactive and have preventative surgeries (mastectomy of my remainder breast as well as a full hysterectomy). These preventative surgeries significantly reduced my risk of developing a new cancer after my initial one.
This is the best forum to read up on any terms or things that might be confusing during the first few weeks after diagnosis. You have come to the right place.