Cost varies by location and consists of three components: professional fee for the surgeon, professional fee for anesthesia, and the cost of the operating room. Insurance companies do not cover the costs associated with these operations. They are considered cosmetic procedures. Most plastic surgeons have financing plans available. The one exception is breast reduction. If the breasts are very large, causing shoulder, back, and neck pain, the insurance company will often cover breast reduction surgery to alleviate these symptoms. You should check with your plastic surgeon to see if you would be a candidate for a breast reduction, and the surgeon can work with you and your insurance company.