Your description sounds like someone who would benefit from breast reduction surgery. Upper back, neck, and shoulder pain are very typical symptoms in someone with disproportionately large breasts. In order to answer the question of insurance coverage you will need to be evaluated by a plastic surgeon who will discuss your symptoms, examine you, estimate how much breast tissue (as measured in grams) will be removed, and put this information in a letter to your insurance company to determine before the operation if it will be a covered procedure. If you are trying to decide if you want to go through with this operation just ask anyone who's had one. Breast reduction patients are some of the happiest patients I see. They get tremendous physical benefit as well as an improvement in their appearance- very few surgical procedures of any kind do this. I urge you to look into it!