Hello Anne... Bravo for you for taking your health into your own hands by going to a urologist on your own. It is maddening how little doctors know about the bladder to the point of rarely considering it in their diagnostic thinking, especially for women. My mass (1.6 cm) was discovered at age 55 by my very persistent female gynecologist on my first visit to check on a little blood I had seen on the toilet tissue.
After your biopsy (and/or TURBT), a pathologist will examine it and provide your doctor (and make sure to ask for a copy for yourself) with a path report which will determine what type it is and if invasive/non-invasive. That will determine your treatment options. That generally takes more than a couple of days... maybe up to a week to get the report back.
Unless you are somewhere on par with MD Anderson (for example), before having a "more serious surgery," our collective advice here is to always get a second opinion from a major cancer center who handles a lot of bladder cancer cases, even if you have complete confidence in your local urologist. My local uro sent me to Vanderbilt Medical Center in Nashville because my path report came back in the "rare" category which he was not familiar with as far as treatment went.
It is hard not to jump ahead since so much of the info on the internet jumps right to bladder removal. There are considerations before that depending on the stage/grade of a tumor. Many can be removed with close followup and BCG treatments, so a mass does not immediately send you to the cystectomy option. But, for anyone going down that road, there are many here who have come out the other side of that procedure and can guide them through and provide much comfort and support.
Will be thinking of you on Monday. Best wishes...
Catherine