First – at the risk of sounding ridiculous – maybe consult your astrology expert as people around you (your parents included) may be annoyed at you removing moles near the mouth (apparently good luck).
Generally (from what I see in my patients) a excision biopsy may leave a small tiny scar when done by dermatologists.
Even when plastic surgeons do it, there is a risk of scarring. If it does happen, you could do fractional laser to reduce it.
A consultation by a plastic surgeon is typically about $120 – $150. The cost of excision for something so small can be $300 and up. It would be good to check prices before you commit.