Hi @maddie
Being in the same boat as you (western Vic Rural, pensioner, but have paid private cover for many years) my high grade extensive DCIS required a very quick mastectomy. I could go Regional for the mastectomy and later found I could have had some reconstruction but my choice of a DIEP would have meant Melbourne.
The surgeon waived all fees for going private but I was out of pocket for the anesthetic, the usual gap at the hospital and some smaller costs.
A Melbourne DIEP would have been around $20k out of pocket with using my private cover, though. That was out of the question.
If you prefer a private room and the comfort that provides then go that way as i did. I prefer to see the same specialist each visit.
If the public hospital is a teaching hospital the hospital can over-ride the surgeon and you could have students (with the surgeon supervising) doing the surgery on the day.
Hope this helps. All the best.
Anne