Insurance Coverage

I think it depends on the insurance company, and it depends on whether it is deemed 'medically necessary'. I opted not to have testing (after counseling because my risk was low and it was not deemed medically necessary. The genetic defect in question was very rare (not BRCA). My insurance paid for about 1/4 of my counseling bill.

My insurance company will cover the test, but not the counselling, which is considered "educational" and therefor not covered.

My mother's paid for it 6 yrs ago. at first when the counselor called to pre-approve the test the ins said that it was not covered, but after the counselor started talking about the family members that had various cancers (bladder, prostrate, ovarian) the insurance changed their position and covered 100%. If they say no, keep pressing.

I am not sure if you had your mammo yet but there is a program that does pay for the mammo and following care in some cases.  The program is federally funded and state distributed so you will need to contact your state office of Breast and Cervical Cancer Early Detection Fund.  There are requirements to be approved, no insurance or underinsured, 50 or over but I am 46 and they approved me, you need to make at or under the 200% of the poverty income rate.  Even if you did get your mammo and need follow up care for some reason, try to locate them in you state.  Good Luck

You could call your local hospital and ask to speak to a nurse in the oncology department, or call your local cancer society, or a local oncology office. Any of them should be able to direct you to your local free or discounted services. In my area the program is called "Every Woman Matters."