I found a flappy piece of skin near my anus and vagina almost 10 months ago it was a little darker than my color and I haven't seen it since I read genital warts and skin tags are similar anyway I check weekly to see if I see another one. I know I'm supposed to see a gyno but I don't have insurance or money so I'm trying to look for a free clinic to check this out. I'm not sure if this is a cause but I also have almost all signs of PCOS and I'm overweight. Question is do free clinics check/examine this? Or does it have to be a visible wart or skin tag for it to be tested?