Hello, Heather!! I took the liberty of moving your post to the "non-invasive" category where, I think, more people will see it.
It is very unusual, as you know, for someone your age to be diagnosed with bladder cancer, but it does happen.
What is VERY important for you to understand is that one of the primary problems with bladder cancer is that IT COMES BACK. I understand the problem that your lack of insurance is causing, but somehow you need to have those exams every six months. This is a very serious cancer if it gets out of hand, and the only way to avoid this is to have the exams.
Could you contact the urologist who was treating you and explain your situation? Is there a medical school near you? Can you go to your local non-profit hospital and consult with a social worker? Perhaps some others who are reading this might have suggestions.
Wishing you the best.
Sara Anne