I think you will still need the BRCA testing, because of the breast cancer/ovarian cancer risk association. I cannot believe an insurance would not fund BRCA testing for you given your family history. My mom had breast cancer and died of metastases 12 years post diagnosis. I had BRCA testing done five years ago back when I had insurance; they paid for it without issues. A blessing - the test came out negative, but was about 99% accurate. It was explained to me that to resolve the 1% of doubt, I needed a more complex test of each gene and that would not have been covered. I did not do the expensive test.