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It’s natural for your skin to sprout new bumps and blemishes over the years. The common growths described here can usually be left alone — and some should be left alone. But if you’d rather have them removed, it’s critical to do it the safest way and to go to the right professional.

Family doctors and aestheticians (people who administer facials peels and other skin treatments) advertise this type of care, sometimes offering to do it with powerful lasers. Even health-care clinics at Walgreens offer to snip off skin tags.

But “you should never get anything removed from your skin without seeing a dermatologist first,” says dermatologist Jessica Krant, a member of Consumer Reports’ medical advisory board. The American Academy of Dermatology agrees, and warns people that only dermatologists should remove growths.

One major reason: Cancerous growths can resemble benign ones. And research has found that people who aren’t dermatologists often miss them. “These practitioners aren’t trained in dermatology,” says Lauren Ploch, a member of the American Academy of Dermatology. “In some cases, they may have only taken a weekend course. I worry that they’ll miss something or treat it inappropriately.” When family doctors refer people to a dermatologist for an evaluation of a suspicious mark, it’s often found to be benign.

The lowdown on four common growths

Dermatofibromas: These round, hard, reddish-brown bumps may have a dimpled center. They most often crop up on legs or arms, and they can develop after an insect bite or a shaving cut. Safe removal: Your best bet is to leave them alone. “Removal often yields a worse mark,” says Bruce Robinson, a dermatologist at Lenox Hill Hospital in New York and an AAD spokesman. If a fibroma is in a sensitive area or causes itching or bleeding, a dermatologist can remove it surgically. It can’t be shaved, snipped or erased with a laser. Will insurance pay? Maybe, but only if it’s very big or changes shape and looks suspicious.

Epidermoid cysts: These skin-colored lumps are most common on the face, neck, back and trunk. Some become infected and rupture. Safe removal: Incision and drainage may be needed for an infected cyst. Once the infection has subsided, the cyst can be surgically removed. Will insurance pay? If it’s large, inflamed and painful.

Seborrheic keratoses: These are waxy black, brown or tan growths with small bumps that give them a wartlike surface. Safe removal: Cryotherapy, which uses liquid nitrogen to freeze the lesion and turn it crusty, causing it to fall off. Another option is cauterization (heating) with a surgical tool. Will insurance pay? If it’s inflamed, itchy or bleeding.

Skin tags: These stalks of skin tend to grow in high-friction areas such as the underarm and neck. About half of American adults have a skin tag. Safe removal: They can be shaved or snipped off by a dermatologist and cauterized to stop bleeding if necessary. Avoid over-the-counter treatments with claims that they will dissolve skin tags. Because they kill off skin cells, “you could harm the area around the tag, which could lead to increased scarring,” says Lauren Ploch, a dermatologist in New Orleans. Will insurance pay? Possibly, if a tag is irritated, red or bleeding, or if it looks suspicious.

When to consider laser treatment

Few skin growths require laser treatment. In fact, lasers may be more likely to cause pain and scarring than freezing, cutting or shaving off a growth. That’s why “many dermatologists don’t feel it is necessary to integrate lasers into their practices,” Ploch says. But they’re used to treat cherry angiomas, bright red bumps made up of blood vessels, often on the chest.

Heat from a pulse-dye laser causes the growth to bruise and fade in a week or so. It’s often fine for nurses and technicians to do the procedure, Ploch says, if they have been trained by and are under the guidance of a dermatologist who has evaluated the growth. But insurance usually won’t cover it.

Copyright 2016. Consumers Union of United States Inc.

For further guidance, go to www.ConsumerReports.org/Health, where more detailed information, including CR’s ratings of prescription drugs, treatments, hospitals and healthy-living products, is available to subscribers.