My insurance paid. I was 36 when diagnosed, with a family history of hormone-related cancers, but not breast cancer. I did have a paternal aunt who had ovarian cancer. My mom's cancer, I have never known point of origin for sure. In my family, I was considered the best candidate for testing because of my age at dx.
I think my oncologist had to sign a paper that said it would be medically beneficial to know my status. I chose not to be tested early on, as I didn't want a "positive" to be hanging over my daughters' chests as they grew, so to speak. But when my brother was dx'ed with prostate cancer at age 50, asked my girls if they would want to know, and they both said, "yes!" My elder said she would opt for a bilateral, prophylactic mastectomy and be done with it. My younger said she would still probably wait to see what happened. As it turned out, I was negative for 1 and 2. I still think there is a genetic component at play, so I was not greatly mollified by knowing I was negative.
Ironically, they were more concerned about the ovarian cancer and recommended a complete hysterectomy, which I still think about from time to time, but just haven't done yet.
Hope this helps.
"There's a difference between a philosophy and a bumper sticker." --Charles Schulz