@JJ70 @kmakm. I have heard that HCF is one of the best payers and I have had no problems to date with anything from my 3 surgeries to my private chemo. I have a friend who also had a prophylactic mastectomy/recon as she had the gene and it was a little more of a struggle but they did pay for hers. I am definately not top health cover maybe one or 2 down from that and that still costs $170 per month (not that I’m complaining at the moment with all this BC business). My hubby and I certainly aren’t rich, we live in Sydney so work to live, have very little savings as it’s hard to save paying rent (chance of getting a house is impossible) and we choose to travel and have fun instead of slogging for the impossible dream of house purchase (which given what has happened I’m glad I have enjoyed my life). I rely very much on my health insurance for what has happened and I have been very lucky to have minimal out of pocket costs - hopefully this continues for the reconstruction part of my journey. I think the BNCA or someone is meeting with the committee this morning or something about it. It’s a scary thought for so many women still to go through this journey that they could have the rug swept out from under them.