I will reply in the context of your post:

kiwistraw80 said:

Hi,

I'm 30 and trying to decide whether I should get the BRCA test now or wait.  Both my mother and grandmother carry the BRCA2 mutation, my grandmother had a breast cancer tumor removed at 68, and my mother just had a BPM.  My mother's pathology was completely clear, no sign of cancer.

I think it would be a really good idea considering the extremely STRONG genetic link.

Because I am young and haven't had children yet, I would not do anything other than increased surveillance and baselines even if I tested positive.  My question is:  Does insurance ever cover increased early surveillance or would I have to test positive in order to receive benefits for early surveillance?  Or maybe they don't cover it even if you are positive?

1. Prior to finding out I had the BRCA2 gene, the mere fact that my mother died from breast cancer was enough to have my gynecologist designate me as a high risk or DIAGNOSTIC patient. With THAT status, I went every 6 months for either a sonogram of my breasts, or a mammogram. With the designated DIAGNOSTIC patient status, my insurance company DID pay for all.  It was the equivalent of being a high risk ANY category patient & insurance usually does pay for that as long as you have a doctors request.

2. With a grandmother AND mother that carry the BRCA gene, you are elevated to a higher category with more respect now. (Please excuse the giggle here). Now you can get the BRCA testing & generally with 2 strong familial links for the gene, insurance AGAIN SHOULD cover it. 

Now, with this all said. It really is all dependent on your insurance coverage. I don't have much faith in our health care system. Your best bet is to meet with a genetic counselor & or, discuss any concerns with a breast health educator in your area, your medical professionals,  any local breast cancer coalition, support group, etc.

Good luck!

This is very confusing.  The reason I want to know is that if they'll cover increased early surveillance, then I would wait to take the test because I've heard a lot of conflicting information on what is termed a “pre-existing condition,” and whether having a pre-existing condition would have consequences for my future coverage and that of any children I might have.

If you have any information on insurance, or even on how much preventative screenings/mammograms would cost me out-of-pocket, please let me know!

There is NEVER a reason to worry about the cost of mammograms or sonograms! You call your local coalition & they will make SURE you are taken care of, & point you in the proper direction. There is SO much help out there, never feel that you can't afford to be vigilant towards your health!!!!!!

Thanks,
KW