Welcome AtTheLake. I can't answer your insurance question.
Regarding active surveillance you may be aware of this, but in case you are not, I wanted to point out that you fail to meet the Johns Hopkins criteria (
www.urology.jhu.edu/prostate/advice1.php) for AS, i.e.:
Very Low Risk Prostate CancerLife expectancy less than 20 years
Cancer not felt on digital rectal examination (stage T1c)
PSA density (PSA divided by prostate volume) is less than 0.15
Gleason score is 6 or less with no Gleason pattern 4 or 5
No more than 2 cores with cancer, or cancer involving no more than 50% of any core on at least a 12 core biopsy
Low Risk Prostate CancerLife expectancy less than 10-15 years
Cancer not felt on digital rectal examination and/or small nodule (stage T1c or T2a)
PSA below 10ng/ml
Gleason score is 6 or less with no Gleason pattern 4 or 5 on at least a 12 core biopsy
There are other, more liberal, guidelines out there but I wanted to point this out as you already have a significant volume of disease and at your age it seems very likely you will eventually need treatment.
As you also may be aware there is about
a 30% chance that you have higher grade disease that was not picked up on the biopsy. Do you know your ADC values from the MRI? These can give insight on the likelihood of aggressive lesion...