Regarding your family history of bc. They can map your history and determine your "risk" for a BRCA mutation. Some insurance plans will cover the test if your calculated risk is above 10%. My mom had bc twice and I asked her to get tested. Her risk came in at 55% so her test was covered. Turns out she was BRCA 1, so that made my risk 50% and my test was also covered. My test was neg, so my risk for bc is the same as the general population now; the family history doesn't matter. This meant that I could go on hormones without fear.