i would just pay for the procedure and not get insurance yet. You can pretty much avoid all high end dental costs if you brush, floss, and rinse with mouthwash (I'm not calling you out because I'm no better at flossing). To the OP, "ringworm can be passed from one person to the next by direct skin-to-skin contact or by contact with contaminated items such as combs, unwashed clothing, and shower or pool surfaces. You can also catch ringworm from pets that carry the fungus. Cats are common carriers." Solution if you have cats. http://bbs.clutchfans.net/showthread.php?t=202726
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seriously, I got something like that once and tried all the over the counter remedies. i finally had to go to a dermatologist
Use this (it's a mix of cortisone and gentamicin (anti-biotic)) and it will be gone within a few days. However, this only treats the symptoms, you should probably add an anti-fungal cream. http://www.ehow.com/way_5747853_bet...reat-ringworm_.html?ref=Track2&utm_source=ask
Not trying to scare you, but it does look similar to the bullseye rash that happens after a tick bite. Ticks carry bacteria that causes Lyme disease. Probably not what it is, but couldn't hurt to go get it checked out at the doctor. Check out some of the pics here: http://en.wikipedia.org/wiki/Lyme_disease