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NikkiJ6's avatar
NikkiJ6
Member
3 years ago

Newly diagnosed - private or public

Hi 
Yesterday I received preliminary pathology results which said I have an invasive poorly differentiated carcinoma. There were a number of further points noted but the gist is that my lump is cancer. 
I don’t have private insurance but I do hav an insurance policy which will pay me a lump sum due to the diagnosis.
my gp asked me if I wanted to go public or private and I opted initially for private but am very aware of how the costs could spiral.
I am in Qld, Gold Coast. I made an appointment at the referred specialist who arranged an MRI for me today. I will see the specialist on Tuesday.
I am just wondering if anyone on the Gold Coast can comment on the public system
and how quickly they move or if anyone without private health insurance has chosen to go private and did you have to sell your house?
I am still very in shock and don’t want to sit and wait but also don’t want to risk my families financial security. I am 45 and still have young children.

32 Replies

  • Hi @NikkiJ6, sorry you find yourself here. There is alot to work out and you do have time to do it.  I am in Brisbane so can't help with gold coast.

     An option you could consider is a private surgeon to get that part done quickly. You probably would only be in hospital a day or 2 so hospital cost, surgeon, anaesthetist etc. Not sure how much your insurance payout it but hopefully it would cover your surgery. Then if you need Chemo and  or radium go public.

    Chemo can be expensive. My chemo sessions including dr, pathology tests etc were nearly $1k each time. These were covered by my private health fund in total but it would be enormous otherwise. 

    If you need radium just know that Medicare will kick in if you go private but you will be out of pocket. As a private patient my radium was $23000 of which Medicare covered about $20000. I had 20 rounds. 

    Each hospital, dr etc all have different costs so do talk with your dr about options. Good luck 
  • I am in Sydney not the Gold Coast and its true my double mastectomy and delayed DIEP flap surgery ended up costing me the same as a small car ( or a couple of very nice overseas trips).I was in a private health fund which covered my private hospital accommodation but not much of the surgeon and anaesthetist fees ( and the Meficare rebates are pitifully low).
    The DIEP reconstruction is the “ gold standard “ of reconstruction so if you get implants or go flat ( or only need a lumpectomy) this will be a lot cheaper than what I had.
    Also different surgeons charge different amounts so you can shop around, I just went with my GPs recommendation and was 100% happy with my results.
    Good luck.