You are having wound healing issues at the T-junction. This is not uncommon after breast reduction surgery. I do not see any necrotic tissue in these pictures, but it is hard to tell about the black area. You should be changing your dressings twice each day.
Even though I'm not familiar with the specifics of Oregon's health plan, most health insurance companies cover some or all of the costs of breast reduction surgery if it's deemed "medically necessary." Based on the symptoms you describe, it's likely that your procedure would fall into that...
Asymmetric breast swelling is common after any procedure. Your condition is likely benign. Without additional information or photographs, potential problems such as a hematoma or infection cannot be ruled out. It would be appropriate to inform your surgeon of your condition and concerns.