I recommend seeing a board-certified dermatologist to have this evaluated. If it is clinically concerning, then your insurance will cover the removal as a diagnostic biopsy. If the lesion appears benign, removal would be consider cosmetic and your insurance will not cover it.
Thank you for your question,Most skin growths are harmless, but sometimes they are not and can be cancerous, which is why all moles and growths should be assessed by a dermatologist. You can contact your insurance provider over the phone or online to find an in network provider.