@maddi I had lumpectomy surgery for DCIS in a private hospital in Adelaide - St Andrews. I had Hospital Cover & the only fee I had to pay was my insurance excess (like @CRM ). I had NO gap or any other costs to pay for the tests/surgery/medication involved with my DCIS. I believe it depends heavily on which surgeon you go with so ask them what their fee structure is so you are aware of what payment, if any, needs to be paid. It doesnt seem fair that all surgeons work differently when it comes to their fee structure but we are well within our rights to ask & if need be, see another surgeon if it means a cost saving to you. Good Luck. xx