Breast Reduction??????????

So I am a 34 DD, and only 14 years old. I'm not fat (maybe a little chub around the edges, but not fat). I hate my boobs, and I really want reduction, but I'm worried about scars, and the risk of not being able to breast feed. Also, I think it would be smart, and maybe covered by insurance because, 1. I can't run for more then 5 min without my boobs hurting (like hell) 2. My skin is always irritated where the straps are, and under my boobs, 3. It's hard to find shirts that fit over my boobs, 4. I can't have fun at dances, or in gym because I'm afraid of my boobs bouncing and 5. I'm very embaressed by my boobs. So I would like to get feed back fro m other women who have had breast reduction, and their thoughts. Please and thank you!