The bummed that you're describing could be an epidermoid cyst or Sebaceous cyst. Another possibility for your condition would be a lipoma. Without examining and inspection to be difficult to say with certainty. All the above mentioned conditions would need a surgical treatment to remove the lesion. Medications would not be sufficient to manage the condition. I would recommend to meet at a dermatologist in Orlando where you stay. Being a medical condition it should be covered by your insurance so the financial burden on you would be less. Hope this is helpful take care Merry Christmas.