While I am no doctor, it sounds like you have a good URO. I like his thought of a follow up but, it does sound correct that a stone is causing your problems-they can nick ureter walls, kidneys etc causing hematuria (bleeding). The CT scan tells a lot and the cystoscope gives a good read into the bladder. While the stone is a high probable cause, I do know a few people, including my wife that has bled through their urinary tract for some time with no known cause (although a stone was suspected).