Just wanted to add, I am puzzled about the out of pocket expenses. I chose to go private (bilateral mastectomy and recontruction - almost finished) and everything has been covered by my health insurance and medicare. I think the only things I have paid for my surgeons inital consult - for which I got a rebate from Medicare - and personal expenses at the private hospital, which really was only phone calls. Does it make a difference as to your level of cover, perhaps? I'm in SA, perhaps it is a state thing?
Ree