Desperate mole advice

There is nothing wrong with just asking her. Tell her the mole has been bothering you and if you could at least talk to your doctor about what the proccess would be of getting it removed. Chances are if it is one mole in a solitary location they will freeze it off. Almost like a wart. They numb the area so you really dont feel much of anything. There is some discomfort afterwards but its nothing you cant get over quickly. If it is more then one mole or in a location that may not be easily delt with they may decide to go a different way.

As for the cost, it depends on what your insurance covers. I cant really answer that because there is no set price.

Talk to your Mom, talk to your insurance company, and talk to your doctor. I have had one removed. It was a simple procedure that I didnt even need to go to the deretologist for. (That also depends on your doctor and who they have in the practice) I was in and out about as fast as a normal checkup would take. My insurance coverd it though, so all I had to pay was the ten dollar co pay (also may vary from your experience)

Hopefully this gives you some ideas and a starting point