Thanks @nikkid.....I have a phobia of needles & operations so would prefer it all in one go, as I'm unsure if they would get me back in and not being private I'm unsure how long a wait for reconstruction would be after the mastectomy. I guess that is the added bonus of being private, which I truly believe you should have, since you are paying for the health coverage. My girlfriend mention that she did hear on the radio that changes would be made to cover the gap $5000 towards out of pocket cancer treatment. It is really unfair that anybody with private health cover should be out of pocket.