Best of luck Howard & thanks for raising this important issue. My very fair skinned/blue eyed b/f was diagnosed a year & a half ago w/ squamus cell. He religiously wore sunscreen, sunglasses & hats on boats, but developed a small spot under his left eye, just under the sunglass line, delicate eye tissue where you normally wouldn't put sunscreen - too close to eye. 3 rounds of cutting & a lovely 2.5 inch scar down his face, check up every 6 months & he's been clean since. My check up is January 3. I have a spot like UFFADABOY right under my left eye - years of exposure from driving & on boats (light reflecting off water is killer!)
Many people feel 'if my health plan doesn't cover the expense, I'm not paying for it' - be it meds, check ups or whatever. As cdiver2 points out - $120 is not a lot if it saves your life. The New Year is close at hand & a perfect time to make the resolution to get those doctor visits/health issues checked out. Many dermatologists office also carry very high SPF sunscreens & everyday moisturizers contain SPF, so it isn't that difficult to incorporate into daily routine.
Good luck Howard & keep us posted on your treatment.