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I think I'd get a second opinion, perhaps from a gynecologist.
Maggie's described the procedure well; you could confirm that's how it would be done by the urologist. I would also insist on knowing what the immediate post-surgical pain and/or confusion level would be, and most importantly ask what level of sedation would used and which specific anesthesia drugs will be used.
I had a bad experience during and after some minor exploratory surgery. I contacted the anesthesiologist prior to surgery and we agreed on the level of anesthesia, but I also refused to sign the operative consent without specifically addressing that issue. We discussed it, the anesthesiologist signed and I initialed, but those conditions were ignored and I was overdosed on a combination of narcotics.
Post-op was confusing and difficult, and I was sick for a week. After getting my medical records and realizing that the consent form changes had been ignored, I took my business elsewhere and never went back to that hospital.
So anesthesia and the administration of narcotics can worsen the procedure.
The nurse would swab her down with an antiseptic...then the doctor would swoop in, use an antiseptic cleaner as he/she washes his hands, and liberally apply a numbing gel to her urethra area. After a couple minutes, he would insert a small tube into her urethra, slip the itty-bitty camera and wire into the tube, empty her bladder and then have a look around.
Occurs to me that if I had enough dementia not to understand what was going on, I might think I was visiting with Dr Frankenstein.
ORRRRR, get this. You could tell the doctor, "No, but please do a urinanalysis looking for cancer cells and let us know the results. Then we'll decide what to do about it.
The urologist is right to recommend it, by the way. I had more than occasional blood in my urine...doctored a year for recurring bladder infections. My cystoscope finally revealed a cancerous tumor. I had successful surgery ten years ago.
While the urinanalysis isn't foolproof, I personally would consider it second best. And that's what I'd do if it were MY 98 year old mom.
If the treatment option is say aggressive surgery, and you already know you wouldn't do that, then you dont do an invasive and painful test. If the treatment is a medication with few dide effects, then why can't that be prescribed without the test?
I would not put an elderly patient with dementia through this procedure.