Fat Necrosis After Breast Reduction, Lump Growing?

In 4/12 I had a breast reduction. I understand fat necrosis is a risk. I've since had the biopsied, we're looking at necrosis. The biopsy was performed in June 2012. At the biopsy, the lump was about the size of a small peach, a year later the lump is 90% of the breast and very painful. I'm not sure where to go from here as our new insurance wont cover surgery for past issues. Will it "get better?" I've been told reconstruction is the only solution. the difference in the breasts is very clear.