Nipple discharge

I have had what I believe to be a lump (a little smaller than a dime). I can feel it when I lay on my abdomen, but not during a normal breast exam. It is just behind the nipple. It has been there about 5 months but for 2 weeks I have noticed a bloody discharge from that side. No pain. I am big breasted as well.I had called my insurance to ask how they paid for a mamogram (mammogram). They say I should be seen by a surgeon first and get the order from him. I can do that but how concerned should I be. I am in the health care field but still want to put this off. There is no breast cancer other than a paternal aunt who also has had colon cancer, both treated and cured. I really know what I should do but need some advice. I have cancelled 2 appointments with my family MD because of embarrassment. I have even called a surgeon friend but have backed out on that. Am I worrying for nothing is mainly my question.  Thanks

[CCF-RN,MSN-rf]

Dear Susan:  It is impossible to know if this lump is anything to be concerned about without having it thoroughly evaluated.  It is not normal to have bloody discharge from one side.  I would urge you to go and see the surgeon.  He/she is the person best equipped to evaluate this problem.  There are even surgeons who specialize in breast problems at most large health care institutions.