This PubMed-listed study models how RF electromagnetic waves interact with a simplified three-layer tissue structure (skin–fat–muscle) across common ISM bands (433, 915, 2450, 5800 MHz), varying polarization (TE/TM), incidence angle, and fat thickness. Using a custom MATLAB pipeline combining multilayer transmission-line methods, Cole–Cole dielectric parameters, and a steady-state Pennes bioheat solution, the authors estimate reflection, absorption, and resulting temperature rise. The simulations report small temperature increases at lower frequencies (433–915 MHz) and larger superficial heating at 5.8 GHz under the modeled conditions, highlighting how fat thickness and wave parameters modulate dosimetry and thermal outcomes.