I have treated several young patients that have unusually large breasts for their age. If you are out of proportion to your body habitus and are having back and neck pain, you certainly can get insurance coverage. You will need to find your insurance policy and see what the exact specifications and requirements are for you. Most insurance plans will want you to document long standing back and neck pain that affects your daily activities. This can be documented by your family physician, OBGYN, chiropractor, physical therapist, etc. You should try to relieve the back and neck pain with NSAIDS, hot and cold application, use of adequate support bras, and should have a reasonable BMI. If you need to lose weight, try to do so before the surgery. There are risks with the procedure, but the benefits far outweigh the risks for most patients. Talk with a board certified plastic surgeon to see if you are a good candidate.