Just seconding Sara Anne's response. Just clarify what the doctor is saying and it appears he is saying it is non invasive. The doc's comments actually seem to me is "barking up the right tree" and BCG probably is the answer. I am not an insurance expert but, I'd be very surprised if Stanford doesn't take Medicare. The problem sometimes arise with the supplement. Usually the institutions insurance department can cover this one quickly. I had the same situation with MD Anderson in Houston which I have as a backup and thankfully I didn't have to go plus they took most supplements including mine. Their problem came up with Medicare Advantage supplements just for reference. The option if it is Medicare and not the supplement, would they take the 20% difference that a supplement normally covers to keep the cost down?