Hello Ali and welcome to OCF! There are many caring folks here who are capable of giving you technical advice; unfortunately, I am not one of them.
I do, however, encourage you to get your hubby to SOMEONE asap..you've got to start somewhere. If your insurance doesn't dictate a specific protocol, or even if you're paying out-of-pocket, I'd take the first appt. I could get, whether it is with a dentist, oral surgeon, ENT or your primary care physician.
In my husband's case, his dentist was 99% sure of SCC just by looking at the spot, and immediately referred him to an Oral Specialist.
The 'lump' is hopefully nothing to worry about. DO keep us posted as to your decision, and good luck!
Lois & Buzz in NC