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By her cup size and symptoms, many insurance companies would cover her breast reduction. However many insurance companies require documentation of complaints from other doctors and even may require physical therapy before they will approve it. You should call your insurance company and find out what your policy requires for coverage.
I can't answer for any specific insurance company, but most insurers base the decision on the presence of symptoms (like your daughter has), and on the weight of breast tissue to be removed. If only a small amount of breast tissue is removed, it's considered to be more of a cosmetic lift than a medically necessary procedure. If enough weight is removed to make a difference in the symptoms and well-being of the patient, it could be considered medically necessary and therefore covered. If your daughter is extremely overweight, the insurer may ask her to lose some weight first to see if that helps, but not always. The first step is to find a board-certified plastic surgeon in your area who is a provider for your insurer. After the consultation, the surgeon can request precertification for the surgery. From your descriptions, it seems that coverage is certainly possible, but it depends on the specifics of your daughter's exam and on the terms of your insurance policy. Her age is not a contraindication to having the surgery, as long as she understands what she's getting into, what the scars will be like, etc.
I think that the best thing for you to do first, is to check with your insurance company to determine what their criteria are for approval.
It is likely that your would qualify for a reduction but the final determination is based on an estimated amount of reduction by your plastic surgeon, your insurance plans criteria, your symptoms and your height and weight. In general, approval from an insurance company for a breast...
In the majority of patients that undergo a breast reduction, a boxy shape can be avoided. In my opinion, it most likely happens when the skin envelope is made too tight.
