Does this mole look suspicious at all? (Photo)

I've noticed one of my moles has changed. It seems to be developing dark patches and I believe it has gotten larger. The photos are low resolution. The first image is a little blurry but it's a closer shot than the 2nd. The mole is about 3mm? and only very slightly raised. It's on my shoulder which is never exposed. I'm 36 and live in Flagstaff, Az. My only hesitation about rushing to a doctor is my deductible. Thank you for any input.

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