M.D.
I encourage you to get a referral to a genetic counselor. That likely will be covered, and it's important to understand what you are hoping to learn from the test.
For example, BRCAI and II mutations do run in families. But not everyone who has the mutation will get cancer. Depending on the study, the penetrance is estimated anywhere from 30% to 70% (so, in one study 30% of people with the gene were diagnosed with cancer at some point in their life, in another it was 70%). So, just because you have the mutation does NOT mean that you will get cancer. It does, however, mean that you are in a high risk group and should be vigilant about screening.
What if you have a family history of breast cancer, but you are negative for the BRCA1 and 2 mutations? Well guess what, you are STILL in a high risk group and should be vigilant about screening.
If you don't have a family history, you are in a lower risk group, but actually about two thirds of breast cancer cases are in people with no family history. So, you wouldn't learn anything from the test, but it doesn't guarantee that you won't get breast cancer. So, you should keep up with screening.
I'm not saying you should not be tested. It's a highly personal decision. What I am saying is that it is so important that you have a genetic counselor to help you 1) find out the answer to the question you really have. For example, maybe what you really want to know is what is my risk of getting breast cancer - which is NOT the same as asking "do I have the BRCA 1/2 mutation and 2) help you interpret the results of any testing you do have because it's not as simple as it may seem. Yes, you can send away to some online company to get the test done, but unless you have a background in genetic counselling, it will be very very difficult for you to figure out what that result means for you.
And, for the record, I'm not a genetic counselor myself, so I have no horse in this race.
Good luck to you.
ETA: After seeing your question yesterday, I would like to add that if your question is: does my mom have breast cancer - the genetic test DEFINITELY cannot answer that question.