What’s the Cost of a DEXA Scan and Is It Covered by Insurance?

Bone health is often overlooked—until it’s too late. A DEXA scan (Dual-Energy X-ray Absorptiometry) is one of the most effective ways to measure bone mineral density (BMD) and assess your risk of fractures or osteoporosis. But before scheduling one, many people ask: How much does a DEXA scan cost, and will insurance cover it?

This comprehensive guide breaks down everything you need to know—costs, coverage, how to save money, and tips to make informed health decisions.

Understanding DEXA Scans: Why They Matter

What Is a DEXA Scan?

A DEXA scan uses low-dose X-rays to measure bone density, typically in your lower spine and hips. It’s considered the gold standard for diagnosing osteoporosis and assessing fracture risk.

Who Needs One?

A DEXA scan is commonly recommended for:

• Postmenopausal women over 50

• Men over 70

• Individuals who have lost height or experienced fractures

• Patients using corticosteroids or other medications that impact bone strength

• Those with medical conditions like rheumatoid arthritis or thyroid disorders

Early detection of bone loss allows for preventative treatment and lifestyle changes, potentially preventing future fractures.

How Much Does a DEXA Scan Cost Without Insurance?

Average Price Range

The cost of a DEXA scan can vary widely depending on several factors. Without insurance, expect to pay between $100 and $300 in the U.S.

Cost Influencing Factors

Several factors can affect the final cost of your scan:

• Facility Type: Hospitals usually charge more than standalone imaging centers.

• Geographic Region: Scans tend to be more expensive in larger cities or high-income areas.

• Additional Services: Some providers may bundle other diagnostic tests, increasing the price.

• Referral Requirements: A doctor’s referral may reduce cost or be necessary for insurance reimbursement.

Is a DEXA Scan Covered by Insurance?

Medicare Coverage

Medicare Part B typically covers a DEXA scan every 24 months if you meet certain criteria:

• You are a postmenopausal woman not taking estrogen.

• You have vertebral abnormalities.

• You are on long-term steroid therapy.

• You have primary hyperparathyroidism.

• You’re being monitored for osteoporosis drug efficacy.

With Medicare, you may pay nothing if the provider accepts assignment.

Private Health Insurance

Most private insurance companies cover DEXA scans, but terms vary:

• A doctor’s referral is usually required.

• The procedure must be deemed medically necessary.

• Coverage may be partial or complete depending on your plan.

• Some plans have limits on how often you can be scanned.

Medicaid

Coverage through Medicaid varies by state. Some programs cover bone density tests for women over a certain age or under specific health conditions. Always check with your local Medicaid office.

How to Check Your Insurance Coverage Before Scheduling

Being proactive helps avoid surprise bills. Here’s a step-by-step checklist:

1. Contact your insurance provider.

2. Ask specifically if CPT code 77080 (standard DEXA scan) is covered.

3. Confirm if a doctor’s referral is required.

4. Request in-network provider options.

5. Clarify your deductible and co-pay expectations.

💡 Pro Tip: Ask for a preauthorization if your plan requires it to avoid denied claims.

Smart Ways to Save Money on a DEXA Scan

1. Compare Providers

Use online tools or call imaging centers directly. Prices can vary significantly within the same city.

2. Look for Cash-Pay Discounts

Some facilities offer lower prices for patients paying out of pocket—often cheaper than going through insurance.

3. Use HSA or FSA Accounts

If you have a Health Savings Account (HSA) or Flexible Spending Account (FSA), you can use these tax-free funds to pay for your scan.

4. Attend Community Screenings

Health fairs and clinics occasionally offer free or low-cost bone screenings, especially during National Osteoporosis Month (May).

5. Ask About Bundled Tests

Some facilities include bone health assessments with body composition scans or annual wellness packages at a reduced price.

What About Add-On Services or Alternatives?

Optional Add-Ons

Some providers may offer:

• Vertebral Fracture Assessment (VFA)

• Body Composition Analysis

• These are often useful but not always necessary. Check if your doctor recommends them.

Are There Alternatives?

• Ultrasound Bone Density Tests: Less expensive but less accurate, usually used in screenings.

• CT-Based Scans: Provide detailed results but involve more radiation and cost.

Should You Pay Out-of-Pocket for a DEXA Scan?

It depends on your health risk and budget. If you’re not covered by insurance, but you:

• Have a family history of osteoporosis

• Are taking medications affecting bone health

• Want to track your bone fitness proactively

…then the scan may be a valuable investment in your future health. Early detection can prevent costly fractures or long-term treatment expenses.

Conclusion: Know the Cost, Reap the Benefits

DEXA scans are a powerful, safe tool to help you understand your bone health. While prices vary, knowing what influences cost—and whether insurance covers it—puts you in control. Whether you qualify for Medicare, have private insurance, or are paying out-of-pocket, take the time to ask the right questions and compare your options.

Your bones are the framework of your body—keeping them strong starts with smart decisions.

Frequently Asked Questions (FAQs)

Q1: How long does a DEXA scan take?

A: Typically around 10–20 minutes, depending on the areas being scanned.

Q2: Do I need to prepare before the scan?

A: Avoid calcium supplements 24 hours prior and wear loose-fitting clothing without metal.

Q3: Is the scan painful?

A: Not at all. It’s a non-invasive, painless procedure.

Q4: Can men get a DEXA scan?

A: Yes, especially men over 70 or those with risk factors like low testosterone or long-term steroid use.

Q5: How often should I get a DEXA scan?

A: Usually every 2 years, unless your doctor recommends more frequent monitoring.

Q6: What is CPT code 77080?

A: It’s the insurance billing code for a standard central DEXA scan.

Q7: Can I get the results immediately?

A: Some providers may offer results the same day, but most require 24–48 hours.

Q8: What happens if I have low bone density?

A: Your doctor may recommend medication, calcium and vitamin D supplements, lifestyle changes, or follow-up scans.