How much will it cost to remove 12 freckles/moles?

The removals of moles depends on who is doing the removal and how it is being done. If you excise it surgically, there is more labor involved and this is usually more expensive. For cosmetic reasons, insurance does not cover it. If there is anything suspicious then you can remove it and get it covered. Everybody charges differently, if price is what you are looking for then I wouldn't be so concerned about results. You will sometime get what you pay for. Find someone with good before and afters.

First, it depends on if they are moles and how they can be treated - liquid nitrogen, currette, excision, or shave excision. Even though they look the same to you, they may be different and need different treatment options. Insurance should cover it as long as they are medically necessary to remove or your physician has possible concerns with any of them. That being said, only a few sites can be done per visit, so if you have 12, you're probably looking at 3-6 visits, under insurance, depending again on how they are being treated. That can also affect lab fees (if required), co-pays, and deductibles. You need to understand your insurance requirements before booking if you want to go that route. If you are paying cash, you're probably looking at much less time, and possible cost, because a physician can do them all at once in some cases, or group them all together for one cost instead of charging by site as is required for insurance.