I got gyno during puberty...
I had the surgery at 18
I went to a plastic surgeon, who said he's done hundreds of gynecomastia surgeries, and his reputation was good.
Insurance will not cover it because it's considered cosmetic. However, I've heard if you can convince them that it's very painful for you, and actually hurts they may cover some of it.
Either way, it will be the best money you've ever spent, if the gyno bothers you.
You will be suprised how big the "small lumps" really are. Mine was about the size of a tennis ball, after he cut everything out.