Oh Darn!
Could be fungal or bacteria. I have a little suggestion, because I have had to deal with this for years. When you are done with your shower or bath, blow dry your belly button. (Also blow dry up my nose if cold season around, because cold germs can't take the heat! LOL!) Belly button is a great place for dark, moist, no air type of stuff to grow. If mine starts getting moist, I wash it real good, rinse well, and stick some zinc oxide in there to dry it out; especially during swimming and sweating weather. I mostly use Johnson's Baby Powder medicated with zinc oxide, aloe and vitamin E under folds and belly button for preventive. Good luck at the doctors!
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