It depends. If you want to get rid of the mole solely for cosmetic reasons, your insurance company most likely won't cover it and you'd have to pay the doctor's bill in full from your pocket. However, if the mole that you have poses a health risk such as the mole being cancerous or infectious, then the insurance company is most likely going to cover it.
Costs for mole removal may vary a lot as there are several factors involved such as the size, shape, and number of moles that you want removed. The range is usually from $200-$2,000 for each mole. That's right, this is how much it may end up costing if you want to get the mole removed for cosmetic reasons.
Mole removal may not be a one time treatment. If the doctor needs to use laser to remove the mole, it may take minimum 2 or 4 treatments. The time frame between these sessions is distributed evenly. For example, each treatment might be every two weeks or so. To sum it all up, it can take around 2-3 months to get the mole fully removed.
Scarring is extremely common after the mole removal procedure. But most trained professionals actually do their best to minimise the scarring. They may also prescribe an ointment to speed up the scar healing process. If you're really concerned about it then a plastic surgeon might be the way to go.
In some cases the moles can reoccur. But there's actually nothing that can be done about this other than getting the treatment again. The only prevention method that most doctors might tell you is just putting the sunscreen on. Other factors are simply outside of everyone's control.
Home remedies such as applying apple cider vinegar on the moles to remove them are very popular. If you're looking for a more professional DIY solution, then Aven Buzz Mole Remover Pen might be what you've been looking for. It is a device similar to those used by professionals nowadays.