What Documentation Do I Need to Have my Breast Reduction Covered by Insurance?

Each insurance company has different criteria for approving breast reduction surgery.  It sounds like you are a good candidate and all that doucmentation should come in handy.  The bes tthing to do is check with your insurance company.

In summary - 5'0 tall, 170 pounds (BMI of 33.3 qualifying you as Obese) with bra size 38 DDD with neck and back pain and under the breast rash.

A private insurance is a contract between you and an insurance company to partially pay (after co-pays and deductibles) for CERTAIN SPECIFIC medical conditions. Large symptomatic breasts may or may not be part of your particular policy, or in their parlance not a covered benefit. If this is the case, it would not make a difference if you were 100 pounds and had 40FFF breasts with pain of all muscles and every other indication in the book - the insurer would NOT be bound to pay for a non-agreed / (pre)paid for benefit.

The first step is to read your policy and see if you do or do not have "Breast Reduction benefits" or similar verbiage. If you do not, you might as well stop here. If you are covered for such issues, get the insurance policy's most up to date list of "providers", or Plastic surgeons who work with your policy. Contrast this list with a listing of members of The American Society of Plastic Surgeons in your area and study their websites. Then visit 2-3 of these surgeons and see what each proposes.

Every insurance company has its own set of requirements for allowing Breast Reduction. Your chosen surgeon would be best to guide you on what your particular insurer wants to see before approving your surgery.

Good Luck