I am 36yrs old and had Gynecomastia surgery over 12 years ago. This really worked in changing the shape and look of my chest (male breast). But the actual nipples are still very long and typically hard. I don't like to take my shirt off, even though I work out regularly. I refrain from wearing just a t-shirt, especially a white shirt without a tight fitting tank top. I have to wear dark shirts to hide my nipples from sticking out like a sore thumb when dressing. If insurance won't cover nipple reduction surgery, it seems as if I could just cut the nipple part off....I know this is drastic but if done in a clean environment with sterile equipment, couldn't I save myself the money for a plastic surgeon.