I wouldn't reccommend talking to a doctor about it, I developed it when I was around 13 not really bad, but it is something, I've always hated about my body. My doc before he retired when I was about 17 told me it would go away when I got older and it never did. When I went to my last doctor in about 2005 he wouldn't give me a referral to a surgeon or anything because he said its pretty normal. I'm 26 now.
It's a hard circular tissue behind my nipples that doesn't really bother me or change. But it is something that I am definitely going to cut out one day when I have a couple thousand to spend on it. Cosmetic surgeons usually are experienced in dealing with this problem and will gladly tell you the cost without an appointment.