Here's my story about a couple moles I had..
I had 3 moles for a long time and they never bothered me at all. One was more like a flap of skin hanging there so I went to the Dermotologist to have him look at them.
He looked at them and said they looked fine and weren't in danger of being cancer or anything like that, but said that if they were annoying me and I wanted them off, it wouldn't be a problem to remove them. I said I'd probably want them taken off just because one was on the back of my neck and got nipped here and there when getting my haircut. One was on my stomache and looked weird, etc.
He said OK and that he'd be right back. I thought he was going to schedule me for a return trip to have them removed. Nope, he came back in with scalpels and syringes. 5 minutes later I had no more moles. I didn't even have time to realize what was going on beacuse I totally wasn't expecting him to just do them right there.
But I don't think I have any scars really. Was no pain except for the shot of numbing stuff. Then he just took the scalpel and cut them off. Was just covered by normal insurance. But if not, it shouldn't be much because it literally takes 30 seconds.