Hi pixiesmum,
Hello from another Sunshine Coaster, I'm being sleeved by Dr Victor Liew on the Gold Coast in August.
You do need PHI to see him, but he does not charge any out of pocket fees.
Lots of other ladies here have used their super to help with paying for the surgery, there is lots of info about how to do that.
I joined PHI and have been waiting for my 12 months so that I am covered, like you said, complications could bankrupt someone without it.
Hope you get it sorted.
Best of luck.
Susan.