puckered areola - cyst? cancer?

I haven't been on the "boards" since mid-way through chemo in the late fall/early winter of 2012.  Early 2013 was my radiation.  I've seen my onc every three months with mammograms every 6 months.  Prior to my visit to the onc two weeks ago, I noticed a puckering on the breast that had no cancer.  I pointed it out to the onc (who missed it on his exam).  After reviewing my records and seeing that I had had a mammo in January, he ordered an MRI - which was promptly refused by the insurance company. So...I had another mammogram - then an ultrasound.  After those tests, the doctor who runs the mammo clinic asked me to stay and talk to her.  She showed me the pictures and said that although she thinks it is a cyst, she is not sure exactly what it is causing the puckering. 

I finally have approval for an MRI this coming Wednesday.  I am nervous about the results.

Additionally, I just had a bone scan to address the significant pain in my hip.  I expect those results to be available by Tuesday.

Mostly, I am a bit frightened - more by the puckered areola than the hip.

As I read, I understand that some cysts contain cancerous cells - and that it is very unusual for them to do so.  However, nothing I read talks about cysts causing puckering of the skin of the breast. 

 Anyone else face this?

Thanks,

Sherrie