I've got a few of questions. First, over the past week or so I have notice a red spot on my forhead. I am concerned because I have been exposed to a lot of sun. There is no irritation, just raised and discolored(red). More like a bug bite or deep pimple in appearence. Could this possibly be Actinic Keratosis? If so, I am in between benefits packages right now, so I am not covered by insurance at the moment, how does the process differ from seeing a doctor when insured and when not insured? If it is found to be precancerous, is it an expensive procedure to have it removed? Looking for answers, anyone have them?