21 Year Old College Senior 32DDD/F

So far I've had 3 different insurances. 2 of which have said they won't cover anything until my 6K out of pocket is maxed out. My newest insurance says that my breast reduction is covered and i only have to pay $250 out of pocket! After this confirmation, I have seen 2 different surgeons. The first was in Maryland and I really wanted to do the surgery with her (Dr. Kulkarni) but since I go to college full time (pursuing my BS in Cell and Molecular Biology) I couldn't afford to take time off and I wanted the surgery done ASAP. So I decided to look at another doctor where I live (Dr. Greenwald) and their customer service was the WORST EVER. So I kicked them to the curb and went back to Kulkarni since my graduation is coming up and I have no job lined up yet (fingers crossed) and I have my surgery scheduled for May 21. I am very excited but still worried about getting approved for the pre-certification as I have not gone to any physical therapy (b/c its expensive AF and I'm broke) nor have I gone to a chiropractor (for the same reason). I have gone to the clinic multiple times for my back and have been prescribed cyclobenaprine (muscle relaxant) multiple times for my horrible back pain. All of the surgeons and my PCP have all recommended the surgery for me and have said I'm likely to be approved due to the years I've had it.
I'm a 5 foot 1 petit girl and I've had 32DDD/F since high school (when I was 109 lbs) and ever since freshman year I have had terrible shoulder pain. I would be in marching band and my shoulder felt like it was in searing pain. It inhibits me from standing, even sitting for long periods which is a pain when I need to crank out a study session. Now I still have the terrible shoulder pain but also a sharp pain in my spine (around me neck area at one of the vertebre). The pain is terrible, All the clothes I wear either engulf my whole body or it looks like my boobs are about to pull a Micheal Schofield and bust out my clothes. Without a bra it looks like I have no torso because while the nipples are perky, they boob itself hang all the way down to my belly button, and I'm really short so I barley have a torso to begin with. My body looks like Neck line -> Boobs -> Legs. My underboob looks like the gobi desert and I've tried lotion/vaseline but its still discolored and often times very dry.
I cant run because it hurts too much. I don't double bra it because then I cant breath well so when I exercise I just keep to bike, rower, and swimming.
In 2017 I was 139 pounds and as of March 30 I am 130 pounds. I am trying to get down to at least 120 before the surgery.

Monday: I went in for my pre-op appointment with the surgeon and my father forgot to tell me that the insurance was expiring and there was a 30 grace period before re-enrollment. PANIC! It's 2 weeks before the surgery...What am I going to do with out the insurance?? Everything was ready to go and they were going to pay for ALL of it. I started crying in the doctors office because of the HUGE mess. The rest of the day was spend trying to find insurance. Dad bought another insurance, won't be active until Friday (latest Monday, praying it doesn't come to that). Mom put me on her insurance, won't take effect for a few days. All of this technology and yet it still takes days for information to process?!

Wednesday: Went in for my physical with my PCP, insurance hasn't been processed yet AND they lost the paperwork that the surgeon sent. So, I have to go back on Monday.

At this point I'm praying that the surgery will still happen! I'm still salty but it is literally out of my hands now, there is nothing I can do but be patient. If insurance still hasn't kicked in by Friday, then bye-bye to the surgery.

Surgery still scheduled for May 21st.

I was not approved for the insurance because I was consulted for the surgery before I started the insurance...This is a real disappointment. I still have the other insurance, but the deductible needs to be paid before they will pay for the surgery which is about $6,000. I'm going to have to wait another year before this happens, which is extremely upsetting.