I was offered genetic testing and I'm happy I did it because it gave me a better perspective on possible recurrence. It did increase my lifetime risk score and this helped me to make a decision about treatment. I had LCIS plus family history and opted for a prophylactic bilateral mastectomy. My genetic counselor/office used Ambrey Genetics - we did file it with my insurance and they paid. If they refuse to pay both Ambrey and my Breast Center had funds available to cover the costs. I was told I didn't need to file with my insurance because the cost would be covered, but I chose to file to keep funds available for those persons who don't have insurance. So whether you're insured or not, there is always a way forward - breast cancer foundation/societies might also cover the cost of genetic testing. Good luck with your decisions and journey!