Hi Mimi,
No, hematuria is almost always something aside from bladder cancer and that is why screening is not 'cost effective' in the general population, but only in high risk people who fit the profile (men, firemen, smokers). But...it is a guideline that every case of hematuria must rule out bladder cancer because it is one of the most common symptoms.
Good chance your problem is not cancer related. Didn't they do a urine cytology test? A FISH test is even better but harder to get and more expensive, but it couldn't hurt to try! Cytology is the standard test for dxing blc.
I live in Europe and don't know much about insurance issues or about experts in Mississipi. I think you mean the Cleveland Clinic that's in Jacksonville? Tampa's Moffitt cancer center might be even closer.
There are links to financial advice and aid for cancer patients on the main site here, if you might need them
blcwebcafe.org/financialresources.asp
Good luck with everything and let us know how it goes.
Wendy