You might try calling the OU Breast Institute for information, 271.4514. A lump doesn't always mean cancer or surgery. I had one once and it was a ?fibroid? or something and I just had to cut down on caffeine and it went away. However early detection is KEY if it is something worse and insurance or not, you'd better get it done ASAP. So many cancers can easily be cured but early detection is so, so important. Don't put it off.