Colleen, the insurance refused due to lack of evidence from the testing provided to them from the doctors. I have a 7 mm x 5 mm swollen milk duct with microcalcifications and linear branching with tumors and nipple discharge in left breast with right breast calcifications shown on the mammograms and ultrasounds with tumors. I'm on Medicare due to oral cancer that is in remission. They feel it's not " evidence" proof , If you will to do a biopsy now and wait six months, get another ultrasound and if it has spread then an MRI would be approved. I'm not waiting. This was from BCBS PPO insurance. Results were from Roswell park cancer institute. All in all the insurance company feels that my primary should be able to handle these problems as it sounds like to them " fibrocystic breast disease" , not cancer..... When did insurance companies become doctors? So I'm going alone on this.