After seeing many mentions of Actinic Keratosis here on ER, thought to mention an option... (Only with Doctor's Approval)
As a "victim"
... A solution that works for me. (50 years of too much sun).
First of all... Had to get over the fear, as my dad died of melanoma... then, after many visits to dermatologists for "freezing", had a suggestion from our new GP, to try (topical) Flourourocil, a salve, to be applied at home, and which works over a two or three week period. (applied daily).
Have been using the same tube of Flouoroucil, for about 7 years, with good results... and avoided dozens of visits and associated nuisance of bills, follow ups, and time lost going for "check ups".
If you spend some time studying the mechanics of skin cancer, it becomes pretty easy to tell if and when there are potential problems. A General Practitioner should be checking for suspicious lesions, and refer you for dermatologist follow up, on your annual check up.
Flourorocil requires a doctor's prescription.
Not for everyone, but just a suggestion that asking your own doctor, may be more cost effective than regular visits to a specialist... particularly if previous experiences have all been negative for cancer.
Again... not a medical opinion...