Oh Abbie,

Never will I complain again. We truly need to be ever so grateful here.
I have private insurance plus my case is a Traffic accident case so I am covered by TAC insurance who pay everything related to my accident.
We pay $5000 per year for our family to be covered privately and then pay 1.5% of our income into Medicare---we just don't notice it as it is out before you get paid.
For this we can have any surgery, procedure etc, including HBOT and Ketamine Infusions and it is completely covered.
Of course there is a minor downside and that is there is a waiting list for most non urgent surgery.
Take care lovely people