Zaine comments on Open thread, May 17-31 2013 - Less Wrong Discussion
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There is no implicit assumption. She was apparently tested for BRCA1 based on family history, and was found positive. The correlation between BRCA1 and those cancers yields a certain percentage of risk, a calculation into which family history might also account. She links to here: http://cancer.stanford.edu/information/geneticsAndCancer/types/herbocs.html
Your third option is correct - although both effort, will and resources to acquire genetic testing are required.
Yes, you got it. She's saying "If you go to your doctor and do some tests, you can get an estimate targeted at you."