Primary Care · 4 min read

Osteoporosis Screening: Who Needs a Bone Density Test, and When

A practical guide to who needs a bone density (DEXA) scan, at what age screening should start, and how Medicare and most insurance plans cover it.

Dr. Jezwah Harris · October 1, 2026

Most people find out they have low bone density the hard way -- a wrist breaks in a fall that should not have caused a fracture, or a routine X-ray for something else turns up a compressed vertebra nobody noticed happening. Osteoporosis has almost no symptoms until a bone gives out, which is exactly why screening matters more than instinct here. You cannot feel your bones thinning. A bone density test, also called a DEXA scan, is the only reliable way to know where you stand before a fracture forces the issue.

Why bone density testing exists

Bone is living tissue that your body constantly breaks down and rebuilds. Starting around midlife, rebuilding slows down faster than breakdown, especially in women after menopause, when the drop in estrogen speeds up bone loss. Over years, this can leave bones thin enough to fracture from a fall that would not hurt a person with normal density, or in some cases from nothing more than a cough or a misstep. A DEXA scan measures bone mineral density, usually at the hip and spine, and compares it to the density expected for a healthy young adult. That comparison produces a T-score, and the T-score is what turns a vague risk into a number you and your clinician can actually act on.

Who the guidelines say should get screened

The US Preventive Services Task Force recommends bone density screening for all women starting at age 65, regardless of other risk factors. For postmenopausal women younger than 65, screening is recommended if your fracture risk is similar to that of a typical 65-year-old, which your clinician can estimate using your age, weight, smoking status, alcohol use, and family history of fracture.

For men, the evidence base is thinner. The Task Force currently finds insufficient evidence to issue a blanket recommendation either for or against routine screening in men, which is different from saying it is not useful for any man. If you have risk factors -- long-term oral steroid use, low testosterone, a prior fracture from a minor fall, heavy alcohol use, or a condition like rheumatoid arthritis or celiac disease -- screening is a reasonable conversation to have regardless of your age or sex.

What the T-score actually tells you

Your DEXA report will give you a T-score, and the categories are fixed by World Health Organization criteria: a T-score of -1.0 or higher is normal, -1.0 to -2.5 is classified as osteopenia (low bone mass), and -2.5 or lower is osteoporosis. These are not diagnoses of how you feel -- they are a statistical measure of fracture risk. A T-score of -2.5 does not mean a fracture is imminent, and a T-score of -1.5 is not nothing to watch. Your clinician will usually weigh your T-score alongside your age, weight, and fracture history to estimate your actual 10-year risk, rather than treating the number in isolation.

It also helps to know what a DEXA scan is not. It is not a full-body bone survey, it does not diagnose arthritis, and it will not explain joint pain. It answers one specific question -- how dense is your bone at the hip and spine -- and it answers that question well.

If your results show osteopenia or osteoporosis

A diagnosis of osteopenia does not automatically mean medication. For many people, the first steps are getting enough calcium and vitamin D, adding weight-bearing and resistance exercise, cutting back on alcohol, quitting smoking if applicable, and addressing fall risks at home. Your clinician will also look at whether another medication you take -- some steroids, certain seizure drugs, long-term proton pump inhibitors -- is contributing to bone loss, since adjusting those can matter as much as adding anything new.

For osteoporosis, or osteopenia with a high calculated fracture risk, bone-building or bone-preserving medications become part of the conversation. These decisions depend on your specific fracture risk, kidney function, dental health, and personal preferences, so this is genuinely a discussion rather than a one-size answer. The goal at every stage is the same: catch the trend early enough that a hip or spine fracture never becomes the first sign something was wrong.

What this looks like in a telehealth visit

A bone density conversation fits naturally into telehealth primary care. Your clinician can review your age, menopause status, family history, medications, and lifestyle factors during a video visit, decide whether screening makes sense now or later, and send an order to an imaging center near you for the scan itself -- the DEXA machine is the only part that has to happen in person. Once results come back, you go over them together, usually in a follow-up visit, and build a plan from there. Lab work to rule out other causes of bone loss, like a thyroid or parathyroid problem, can be ordered and reviewed the same way.

Getting started

If you are a woman approaching or past 65, or you have risk factors that make bone loss more likely at any age, this is worth bringing up at your next primary care visit rather than waiting for a fracture to raise the question for you. Stonewood Health offers telehealth primary care visits where you can talk through your personal risk, get a bone density scan ordered if it makes sense, and build a plan around the results. Book a primary care visit to get started -- most major insurance plans are accepted, including Medicare.

Questions

At what age should I get a bone density test?

Most women should start routine screening at 65. If you are postmenopausal and younger than 65 with risk factors like smoking, low body weight, or a parent who broke a hip, your clinician may recommend testing sooner.

Do men need bone density screening?

The evidence is less settled for men, so there is no blanket screening age. If you have risk factors such as long-term steroid use, low testosterone, or a prior fracture from a minor fall, it is worth discussing a scan with your clinician.

What is the difference between osteopenia and osteoporosis?

Both are based on your T-score from a bone density scan. Osteopenia means your bone density is lower than normal but not low enough to be called osteoporosis. Osteoporosis means your bones have thinned enough that your fracture risk is meaningfully higher.

Does insurance cover a bone density scan?

Medicare covers a bone mass measurement once every 24 months for people who qualify, and more often if medically necessary. Most major private plans also cover DEXA scans when your age or risk factors meet standard guidelines.

Is a DEXA scan painful or does it involve a lot of radiation?

No. A DEXA scan is quick, painless, and uses a very small amount of radiation, far less than a standard chest X-ray. You stay fully clothed and lie still on a table for about ten minutes.

Can a telehealth visit order a bone density scan?

Yes. Your clinician can review your risk factors, order the scan at an imaging center near you, and go over the results with you by video or phone once they are back.

What happens if my results show low bone density?

Depending on your fracture risk, next steps usually include calcium and vitamin D intake, weight-bearing exercise, a look at medications that affect bone, and sometimes a bone-building medication. This is a conversation, not an automatic prescription.

Sources

  1. US Preventive Services Task Force. Osteoporosis to Prevent Fractures: Screening (2025).
  2. Centers for Disease Control and Prevention, National Center for Health Statistics. Osteoporosis.
  3. National Institute of Arthritis and Musculoskeletal and Skin Diseases (NIH). Osteoporosis.
  4. Medicare.gov. Bone Mass Measurements Coverage.
  5. MedlinePlus (National Library of Medicine). Osteoporosis.
  6. Office on Women's Health, U.S. Department of Health and Human Services. Osteoporosis.