Where to go from here?

Hi, my name is Melissa and I'm 32. I'm not looking for medical advice. Ive lost around 50 lbs this year from no appetite, I'm not sure if it's from stress or not. Around 2 months ago I noticed a painful area on the left side of my left breast. I'm ashamed to admit I've never routinely done self breast exams so when I quickly did one I only really focused on that tender area and felt a small pea sized, rubbery lump. I scheduled an appt with my Ob-Gyn and had a mammogram which came back normal heterogyzously dense breast. Since then I did a more thorough exam and found some rubbery and 2 hard lumps in my right breast, and 1 prickly one but only when sitting up. I've also found an indent under my right breast but only when raising my arm. I went for a follow up and showed my doc. He brushed it off and said I have fibrocystic breasts and said the indent is part of "normal breast changes". I've also learned about the BRCA gene on my father's side of the family and how many people have had it is massive. The youngest is my first cousin who first had ovarian cancer at 19 then breast cancer at 23. My paternal grandmother had breast cancer at 43. My maternal grandmother at 45. I told my doc this and wanted to be tested. He doesn't think it's necessary or will be covered by insurance, nor thinks it's necessary for further testing right now and doesn't want to see me back for another 3 months. I tried to call my PCP for a 2nd opinion and her office said that I have to keep seeing my current doc about it since he's already following me for it. I'm ashamed to say that I'm on Medicaid, I live in NC and I'm not sure if this is because of something with NC Medicaid or not. Should I be allowed a 2nd opinion? If so, where do I go from here? I really don't know what to do or what kind of doctor to try to call next, or if I should even try to see one.