Re: Skin mole removal from child's face - is it a cosmetic surgery?
Look for a dermatologist that will do the procedure in office, so you won't have to see two people and make two appointments. This sounds like a mole that they will cut out. It means they will numb the skin either with some ointment or with a small injection. That won't hurt. They will then put a small device around the mole and sort of scoop it out. She might need one or two stitches. You will then need to keep the stitches moist by using either the ointment the dermatologist gives you, or just use neosporin. After a week you go back for a check-up. It will take another 6 weeks for all traces to sort of disappear. The chin has lots of extra skin so it will not really scar.
They will biopsy the mole they took out, just as a precaution.
Ask the dermatologist to not mark it as a cosmetic procedure. In order to have that done, you may need to obtain a referral from your pediatrician. If they do mark it as a cosmetic procedure the insurance will pay for the biopsy but not for the "surgery" which will be between 200 and 300 dollars...
My guess would actually be - seeing that you were told it would be wise to remove it - you will not have trouble getting it marked as preventive care.