@ann210 I've always been a private patient, however for radiation in 2011 I went public, I remember paying some upfront but then I got it back. For Chemo I went Private in 2015 and all lumpectomies too. My reconstruction in Feb this year and mastectomy however I went Public, but used my Private Surgeon and Breast Surgeon as they work in Public too. x With private Im always out of pocket, although chemo I wasn't apart from my Onc visits as have a health care card so all scans, tests were free. Hugs Melinda xo