7 types of skin spots you should NEVER ignore on your body

5. Seborrheic Keratosis 

“It’s a dark, scaly, benign crusty overgrowth of the top layer of your skin,” Elbuluk explains. These are common as you reach middle age and beyond. Your derm can remove them by cutting them off, using liquid nitrogen, or treating them with a laser. But be warned: “Because it’s benign, insurance won’t cover it unless it’s in a bad spot, like on your collar, and chronically irritated,” Elbuluk notes.