L.S.
I definatley think you need to have him seen by a doctor, but just to let you know my daughter was given the same letter a couple of years ago and there is not a problem with her at all. Her doctor seemed to think that they must have sent school nurses to some sort of acanthosis nigricans conference or something. Apparently his officed had been swamped with kids who had been given the same letter. However, it is always better to be safe than sorry. I don't know what kind of insurance you are referring to (state insurance) but you should be able to google that info. Good luck!