When Should Women Get a Bone Density Test?

A woman with a thoughtful expression is listening to a doctor for a health consultation, with the doctor's back to the viewer.

When Should Women Get a Bone Density Test? 2025 Guide

Most women should get their first bone density test—a diagnostic DEXA scan focused on the hip and spine—at age 65. Women between 50 and 64 who carry osteoporosis risk factors—such as early menopause, long-term steroid use, low body weight, or a parent who broke a hip—should test sooner. In rare cases (for example, severe eating disorders or endocrine diseases), doctors may recommend screening even earlier according to the current USPSTF guidelines.

A different type of scan, the whole-body DEXA, delivers an estimate of bone mineral density alongside body-fat and lean-mass data. BodySpec's non-diagnostic scan can be used as an early-detection tool—if your bone score comes back lower than expected, you can bring the report to your physician to discuss ordering a diagnostic scan or starting treatment.


Why Age Matters—But Isn’t the Whole Story

Bones thin as estrogen levels fall after menopause. That’s why 65 is the universal threshold—by then, nearly every woman has spent several low-estrogen years, and fracture risk rises sharply. The National Institute of Arthritis and Musculoskeletal and Skin Diseases explains the process in its overview of bone-density scores.

Age, however, is only one line on your fracture-risk report card. Lifestyle, medications, genetics, and medical conditions can raise or lower risk at any age.

Common Risk Accelerators

Icon of a person with a downward red arrow pointing to their upper spine, which shows several vertebrae appearing porous and discolored yellow, symbolizing risk factors for osteoporosis or spinal compression.
  • Early menopause (before 45) or surgical menopause
  • Family history of osteoporosis or hip fracture
  • Low body weight (BMI < 19 kg/m²)
  • Long-term corticosteroid therapy (≥ 3 months of prednisone ≥ 5 mg)
  • Autoimmune or malabsorption disorders (e.g., celiac, IBD)
  • Smoking or heavy alcohol use
  • Previous low-trauma fracture

If any of these apply, clinicians often move the first diagnostic DEXA into the 50–64 window, per CDC recommendations.

💡 Assess your risk now: The official FRAX fracture-risk calculator estimates your 10-year probability of major osteoporotic and hip fractures. If your percentage meets or exceeds that of the average 65-year-old woman, many clinicians advise screening before age 65.

Illustration of a smartphone displaying a 'Fracture Risk' chart with a bar graph showing increasing risk, held by two hands. This represents a risk calculator.

2025 Screening Guidelines at a Glance

Age GroupUSPSTF RecommendationTypical Insurance Coverage
65 +Screen all women (Grade B)Medicare Part B covers every 24 months (annually if high-risk)
50–64 with risk factorsScreen (Grade B)Covered by ACA plans (often no copay); Medicare covers if high risk
< 50 with significant medical issuesCase-by-caseRequires medical-necessity paperwork

What “Grade B” Means

USPSTF grades reflect evidence strength. Grade B indicates “moderate certainty of moderate benefit,” and insurers almost always follow its lead for diagnostic scans.

A shield icon with a green interior and gold border, featuring a large, dark green letter 'B' in the center. A small orange star shape is at the top right, and a small blue circle is at the bottom left. This represents a Grade B recommendation from the USPSTF for bone density screening.

Whole-Body vs. Diagnostic DEXA: Know Your Options

FeatureDiagnostic Hip/Spine DEXABodySpec Whole-Body DEXA
Primary purposeMedical diagnosis of osteoporosis and fracture riskTracking body-fat, lean-mass, and non-diagnostic bone-density trends
Scan regionsLumbar spine + proximal femurEntire body including hips/spine
FDA diagnostic clearance✅ Yes❌ No
Insurance coverageUsually covered when medically indicatedTypically low-cost cash pay
Best forMeeting guideline requirements, treatment decisionsEarly detection, fitness monitoring, self-tracking

Because the whole-body scan isn’t intended to confirm an osteoporosis diagnosis, think of it as your first-line scout. If your T-score trends downward or is lower than expected for your age, share the report with your doctor. They may order a diagnostic central DEXA or other tests to nail down next steps.

Split-screen illustration comparing a focused diagnostic scan of the hip with a full-body screening scan. The left side shows a human outline with a magnifying glass over the hip area, revealing detailed bone structures (pelvis and femur head). The right side shows a full human outline labeled 'Whole-Body Screening'.

The DEXA Scan, Demystified

Regardless of the type, DEXA is quick and painless. You lie on a padded table while a low-dose X-ray arm glides overhead.

  • Radiation dose: ~0.001 mSv—less than a day of natural background radiation (RadiologyInfo). For a detailed explanation, read our guide: DEXA radiation explained.
  • Time on table: 10–15 minutes.
  • Enclosed space? Nope—open platform.
  • Pain? None.

For a blow-by-blow walkthrough, see our step-by-step DEXA guide.

Test-Day Tips

  1. Skip calcium supplements for 24 hours (they can cloud hip images).
  2. Wear metal-free clothing—think yoga pants instead of zipper jeans.
  3. Tell the technologist if you’re pregnant or recently had a barium study.

Paying for Your Scan

  • Diagnostic hip/spine DEXA (in a hospital or imaging center):
    • Medicare covers every 24 months (annually if high risk or on treatment).
    • ACA-compliant plans must cover one scan for women 65 + or younger high-risk women with no copay.
  • BodySpec whole-body DEXA: Low-cost cash pay; because it’s non-diagnostic, insurers rarely reimburse—yet you can use FSA/HSA dollars.
Illustration of a light green HSA card with the letters 'HSA' on it, partially inserted into the coin slot of a peach-colored piggy bank. A red cross symbol characteristic of healthcare is visible to the right of the card, and two green leaves are on the left, near the base of the piggy bank.

For billing codes and documentation of diagnostic scans, consult the bone-density CPT guide.


How Often Should You Repeat the Test?

Baseline ResultSuggested Interval (Diagnostic DEXA)
Normal (T-score ≥ −1.0)Every 5–10 years
Osteopenia (T-score −1.0 to −2.5)Every 2–5 years
Osteoporosis (T-score ≤ −2.5) or on medicationEvery 12–24 months

These intervals are supported by data from the Women’s Health Initiative cohort (Gourlay ML et al. 2012, NEJM). If you’re tracking bone trends with BodySpec’s whole-body scan, many clients opt for annual scans to monitor subtle changes.


Strengthening Bones Between Scans

Waiting for 65 doesn’t mean waiting to act. Lifestyle upgrades now can support better bone health.

An illustration showing a bone surrounded by icons representing Vitamin D (a sun), Vitamin K, and Calcium (Ca), with arrows pointing to the bone, symbolizing their importance for bone health.

FAQs

Is the radiation dangerous?
No. The dose is extremely low—about 0.001 mSv, roughly the same exposure you get from one day of natural background radiation.

Can I combine body-composition and bone scans?
Yes. BodySpec scanners deliver bone, fat, and muscle data in the same 15-minute session—no extra radiation.

Does my BodySpec result count as an official diagnosis?
No. Whole-body DEXA is screening-level information only. If your numbers suggest low bone density, follow up with your physician for a diagnostic scan.

I’m on hormone-replacement therapy—do I still need screening at 65?
Yes. The American College of Obstetricians and Gynecologists states that all women aged 65 and older should have a bone-density test, regardless of hormone therapy status (ACOG osteoporosis FAQ).


Key Takeaways

  • 65 is the default starting line for women’s diagnostic bone-density screening.
  • Risk factors can shift that date to the early 50s—or sooner.
  • Use the FRAX calculator to personalize timing.
  • Consider a BodySpec whole-body scan as an affordable early-detection snapshot—bring abnormal results to your doctor.
  • Insurance covers guideline-based diagnostic scans; BodySpec offers a low-cost cash alternative.
  • Lifestyle choices today shape tomorrow’s T-score.

Ready to get your first bone health benchmark? Learn how to find a DEXA scan near you. For help making sense of your numbers, see our guide to interpreting DEXA scan results.

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