Testing for osteoporosis: Assessing your risk for bone breaks

As people age, they become more likely to develop osteoporosis, a disease that occurs when bones lose density and mass. This can cause bones to be brittle, weak and easily broken, and at-risk Americans are encouraged to take proactive measures to monitor their bone health.

Below, Dr. Phillip Painter, chief medical officer for UnitedHealthcare Medicare & Retirement, answers common questions about osteoporosis and shares more about a test that can help with diagnosis or determining if you might be at risk.

How common is osteoporosis?
Osteoporosis is more common in women than men, affecting about 1 in 4 women, age 65 and older, and 1 in 20 men, age 65 or older. It is responsible for 2 million broken bones every year and studies suggest that approximately half of women and a quarter of men age 50 and older will break a bone, due to osteoporosis. The number of older adults with osteoporosis is likely to increase by more than 30 percent from the last decade as the U.S. population ages over the next 10 years.

Osteoporotic bone breaks most often occur in the hip, spine or wrist, but other bones can break, too. Beyond significant and often permanent pain, these fractures can have many other consequences, including frailty and limited mobility, complications related to the broken bone itself or the surgery to repair it, plus the necessity of long-term care and institutionalization.

An older woman lifts a light weight while smiling


How is it diagnosed?
Talking to your doctor can help ensure you get the test that may be needed to correctly diagnose osteoporosis, which may be a simple bone mineral density (BMD) test. BMD tests can identify osteoporosis before a broken bone occurs and measure your response to osteoporosis treatment.

What is a BMD test like?
The test lasts about 15 minutes or less. You usually lie down clothed and the X-ray emitter is passed over parts of your body more likely to show signs of mineral loss, which often means your spine and hip bones, but can include other stress areas like wrists, fingers and heels.

Should I get tested?
BMD tests are recommended for women age 65 or older and men age 70 or older. Osteoporosis is more common after menopause, so women should begin talking to their doctor before menopause. Anyone with several of these risk factors – both controllable and uncontrollable – should also discuss it with their doctor, even if they are younger than the general guidelines.

Consider asking your doctor if you should complete a bone density test to determine how healthy your bones are. If you’re a UnitedHealthcare member, you might get a call directly offering an osteoporosis screening that wouldn’t require a prescription from your doctor.

What do the test results mean?
Your doctor will discuss your bone density test with you, and help you interpret the results. If you are a pre-menopausal woman or a man under the age of 50, it is likely that your results will be compared to the average bone density of someone your age. If you are a man older than 50 or a post-menopausal woman, your bone density is measured against the typical bone density of a healthy 30-year-old of your same gender and reported in something called a T-score.

  • A score of -1.0 or above is normal bone density.
  • A score of -1.0 to -2.5 shows that calcium and other minerals in your bones are decreasing, a condition called osteopenia or low bone mass.
  • A score of -2.5 or below is diagnosed as osteoporosis, according to the World Health Organization.

Although not everyone who has osteopenia will develop osteoporosis, those with low bone mass are at higher risk of breaking bones and need to be regularly evaluated with a BMD test.

How often should you be tested?
BMD testing frequency depends on factors including age, past bone density results and whether you are taking an osteoporosis treatment. Those at a higher risk for osteoporosis (for example, estrogen-deficient women, those on glucocorticoid or some other steroid therapy and those with primary hyperparathyroidism) may need earlier and more frequent testing. Be sure to discuss your specific needs with your health care provider.

Does Medicare cover these tests?
Medicare plans cover the full cost of bone mass measurement testing once every 24 months for people who meet certain criteria, but the test may be covered more often if deemed medically necessary.

What else should I know?
There is no one single way to ensure healthy bones, but there are many great habits that can help put you on the right path. Incorporate enough calcium and vitamin D in your diet, avoid smoking and limit drinking alcohol or caffeinated beverages, and take steps to minimize your risk of falls.

Increasing the amount of exercise can help, especially regular weight-bearing routines, but any exercise – even yoga – can help keep your bones stronger for longer. Many UnitedHealthcare® Medicare plans offer Renew Active, which provides access to an extensive, nationwide network of gyms and fitness locations, as well as to local wellness classes and events. To support staying healthy from the convenience of home, Renew Active offers access to thousands of online workout videos.

If you have been diagnosed with osteoporosis or have had fractures, talk with your doctor about medication options, which can vary based on gender, age, bone health and other factors.

Plans are insured through UnitedHealthcare Insurance Company or one of its affiliated companies. For Medicare Advantage and Prescription Drug Plans: A Medicare Advantage organization with a Medicare contract and a Medicare-approved Part D sponsor. Enrollment in these plans depends on the plan’s contract renewal with Medicare.

Renew Active includes a standard fitness membership. The Renew Active program varies by plan/area. Access to gym and fitness location network may vary by location and plan.

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