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Thanks I will check that out. Mine doesn't feel gummy, but you know I have had these little red moles called cherry angiomas, completly harmless. They are red little bumps and are gummy to the feel. I had one on the top of my head when I was a teenager and didn't get it removed until I was in my mid twenties. It was about the size of a pencil eraser. It was on top of the scalp though. This bump I have is underneath. It's not very round and big. It's next to a dent I have that recently happened when I hit the back of my head on the corner shelf, ouch that hurt like a sob. Luckily I haven't had any complications other than a dent that I feel and I hate it. But yeah... it stinks to not have insurance. Make sure you get it then go to the doctor. If you go before, anything will be pre-existing and the insurance wont cover it unless the insurance is through the employer.
I want to get mine removed sooo bad but I don't have insurance either :( so I can't go see an dermatologist and deal with the problem until I get some insurance.