What do I do about my breast reduction being denied when I so clearly need it?

I’m sorry to hear that your insurance has denied your breast reduction. It seems that the best possible option for you will be to pay out of pocket to have the procedure done, and have your surgeon give you all the documents you need to submit to insurance to get reimbursed for the procedure. There are many board certified plastic surgeons that do this procedure for under $30,000, as you had mentioned this is a very high price. Best of luck!

Unfortunately this is a battle we fight on a daily basis with insurance companies.  They have the ultimate say basing their decision on a mainly a BMI chart and your presenting symptoms (neck pain, shoulder grooving, breast pain).  Your physician can usually do a peer to peer and advocate to you.  The other thing is the out of pocket expense of 30k is way up there.  You can shop for a much more reasonable price like 7-10k if it comes down to an out of pocket expense

Some insurance companies have contractual parameters that deny any non-cancer related breast reduction surgery regardless of medical eligibility. Find out first if this is the case, then re-appeal with more supportive documentation. If denied, wait for open enrollment and choose a plan with better coverage.