... the coverage doesn't make sense to me.

I'm 41. I have breast cancer.
My grandmother had breast cancer, my mom says she thinks she was 51.
My cousin (the oldest granddaughter, I'm second oldest) has breast cancer. She's younger than 45.

If I was 40 when diagnosed instead of 41... I'd be covered.
(Missed it by just over 3 months)

If my grandmother were < 50... I'd be covered.

If my cousin were my aunt/niece ... I'd be covered.

But their not/I'm not... and, even though my mother doesn't have cancer,

since her daughter is younger than 45
or
since her neice is younger than 45 (either one works)

she has a first or second degree relative with early onset breast cancer, and she'd be covered for the testing.

My mom/sister can get genetic testing because I'm younger than 45... but I can't.

Really, that doesn't make sense to me.