re: insurance
i am in canada so it may be different up here, but anyways..
i asked my doc about gyno (puffy nipples at the time) when i was pretty young, like 13 at the oldest, i was always embarrassed to take my shirt off and shit so i asked him abhout it, he said "just puberty, it will go away".. as i got older it got worse, and when i was about 17 i started getting into working out and whatnot... never did do roids but have done lots of supplements and i got pretty cut by the time i was 19 i think.. while i was that lean the nipples just looked horrible so i went back to the doc, i said it was embarrassing and they were a bit itchy and bothered me.. he sent me to a surgeon and i got the surgery. didnt pay anything, took about an hour in the hospital, stayed away from the gym for a couple weeks and then i was back at er.
say it hurts, say they are itchy, worth a shot.