Lumpy bits? What is that? Moles, Lypoma, tumors, cancer, aids. Not enough info. Evidently the broad on the other end of the line didnt think you had an issue, so you sound like your good to go.

They looked like sun exposure moles gone bad. I've had bad sun burns in my past.

I most resented being made to wait not knowing what was happening. The caller said she couldn't discuss it over the phone. And yes while an extra co-pay is only $45 it seemed like a gouge to me.

Ask them to put your account on 'auto bank withdrawal'
Then you won't.even notice it. :D