Painful tuberous breasts

Tuberous breasts while not normal in shape and appearance should not be painful. Certainly it is normal to feel tenderness around your period each month, but painful breasts should be examined by your gynecologist to make sure that there are no other causes for your discomfort.
As far as your cosmetic options, your next step would be to have your Mom help you locate a board certified plastic surgeon who specializes in breast surgery. You stated that you are under 18 and therefore cannot legally be seen or treated without the informed consent of a parent or legally authorized representative. A face-to-face or virtual consultation (Covid-19 world) would help you get an accurate diagnosis and learn about all of your future options. Although I have been performing surgery on tuberous breasts for almost 30 years, I can count the number of cases that I have performed on patients under 18 years of age. As far as insurance reimbursement, it is very, very unlikely that you will be able to get insurance coverage for a cosmetic deformity of the breast. You should not be discouraged though, and take this opportunity to get educated on all of your options. The first surgery you will undergo will effect every other surgical choice for the rest of your life, so do not rush, and take your time to get the best possible procedure.

Pain is not usually a symptom associated with Tuberous breasts. If you are experiencing pain you would benefit from a visit to your Gynecologist. Tuberous breasts are not uncommon. A Board Certified Plastic Surgeon will be able to evaluate you condition and recommend a treatment plan. You can find a qualified surgeon on this website. Best of luck.