I would do as the other poster said and let the doctor know you're paying cash and see what rate they give you.
Dr. Lucy Li in Coppel on Bethel Road is very good or you could see her PA - Cheri.
There are lots of free skin cancer clinics.
I've had a melanomma and wouldn't want to diagnose one, but I can tell you that it's not the color that identifies it as much as the irregular shape of it.
This is what I'd look for..... Not a circle. Not all one height. Fades to reddish. Suddenly appeared. And if you have blue eyes, you are more likely to have skin cancer than non-blue eyes.
If you still can't find someone next week, let me know and I'll call a friend of a friend or a friend, who is a skin cancer doctor.... but he's over an hour drive from here, so try to find someone locally.