Dawn,
This a common & great question. Medical Necessity is term developed by the Insurance Industry. In todays world the Insurance Industry dictates health care not doctors or surgeons because, they say they are the ones eventually paying most of a patients bills. Each insurance plan is different and often related to the cost of the plan. It is best to think of them like cars. Some are Dodge Neons, others a Subaru and some Cadillacs. The better the plan often requires more cost to the patient/ consumer.
If you have insurance check with your carrier to see if they even will cover Breast Reduction Surgery. Some do not. Then, ask for the criteria's for coverage of the Breast Reduction Surgery. This are the conditions/ symptoms that a patient must have for the insurance company to deem that the Breast Reduction would be a covered service. Lastly, ask for a list of plastic surgeons in your area that take your insurance.
Hope this is of assistance.
Best,
Gary R Culbertson, MD, FACS