It is not unheard of for breast reduction to be covered by insurance. However, it is uncommon. While there are physical and emotional reasons for having breast reduction surgery, insurance companies still widely view the procedure as cosmetic and elective. Patients who are interested in having their breast reduction covered by insurance need to contact their carrier months before they schedule their procedure. Insurance companies typically require a lengthy paper-trail that can involve months of documentation of treatments such as physical therapy, dermatology, and more. Patients must prove that the procedure is medically necessary to resolve an underlying health problem.