There is a breast clinic at St Vincent's (Public) Hospital - you could contact them to see what they say from a public hospital perspective.

I think also take you seriously. It isn't a decision to take lightly and it certainly seems you have considered it well. Some of the other posters have raised some important issues for you to also consider (I wouldn't have thought of the life insurance aspect!). Continue to do your research and keep knocking on doors hon.

MG