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It is very possible that you would qualify for insurance coverage, but you would need to contact your insurance company to find out if it is a covered procedure under your policy. Most insurance companies require that a minimum of 500 grams per breast needs to be removed to be covered, and that usually equates to a DD cup size. If you are have back, neck and shoulder pain, you may need to have documented methods you have tried to alleviate the pain such as, physical therapy, analgesics, good support bras etc. If you get turned down, ask your surgeon to appeal your case, I have had several patients get approval this way. Good luck.
I assume you are Canadian and I would check with a provider there to see if your insurance would cover. From a practical stand point if your breasts have been stable in size for a year and their size is causing back, neck and shoulder aches and you are fully aware ofthe risks and benefits of the procedure at a young age,then certainly you would qualify for the procedure in my practice
When you say "qualify", you may be asking about insurance coverage that varies from company to company. Generally, the operative specimen must weigh 500 grams to have an insurance plan pay. At 5' and 110 lbs, you my have difficulty producing 500 grams of specimen from each side. Your insurance company is probably not interested in shoulder grooves, neck and back pain, and a rash under the breasts. They want something they can measure, like a breast tissue specimen.
A breast reduction can certainly be performed on you, but you have to understand their are limitations to the final size based upon the need to maintain viability to the skin flaps which have to be a certain thickness as well as the tissue supporting the pedicle.
Areolar reduction scars notoriously have a tendency to heal poorly. The areola always "remembers" its original size, plus any breast size increase will place tension forces on the closure. Scars of this nature tend to widen, be highly conspicuous, and the areola enlarges and flattens along with...
Most patients have little pain after reduction, and are suprised at how easy it is. Also, most doctors do not use drains on breast reductions. So, I think you can worry a little less- most patients tell me afterwards that they just wish they had done it years ago.