I'm glad the Plastic Surgeon let you know about the results early in the week. I give her kudos for telling you that if it is basal cell carcinoma, she would be referring you to someone who does the Moh's surgery. Yes, you made an excellent decision by going outside your HMO. You may end up paying a bit of out of pocket money, but it is well worth seeking medical care outside the HMO every now and then and this is one of those times.
I'm sorry to hear that your MIL is still in the hospital and they are running tests on her. She sounds like she's ready to come home and I can understand her frustration. Tests aren't fun, cost a lot of money and are time consuming...besides you very seldom get a good night's rest in the hospital.
I'm keeping both you in my thoughts and prayers. Sending positive thoughts your way.
Sit quietly, the answers will reveal themselves when you least expect them to. The past is gone, the present is a gift and you need to focus on today, allow the future to reveal itself when it is ready.