Get clarification from Doctor

Mimijess:

In general, insurance or self-pay breast reduction includes removal of excess skin, fat and breast tissue.  The areola (not the actual nipple) is lifted and repositioned as part of the procedure.  Additional liposuction of the lateral chest is not included, but often helpful.  Additional reduction of overly prominent nipples would not be included.  As other surgeon's posts have mentioned, insurance reimbursement is much less than typical charges for the breast reduction procedure.

There may be insurance carrier issues that I am not aware of.  If your surgeon cannot clarify issues for you, seek other opinions from experienced board-certified plastic surgeons.