Ok, bumping this thread as I’ve just joined the club. 
Had a DEXA this week & results show T-Score -2.9 (lumbar spine) and -2.3 (femoral neck) & FRAX shows 10-year probability of fracture is 11.7% & hip fracture 2.4%. I’m age 65, and haven’t lost significant height. (half an inch at most, comparing current height vs. teenager ). I’ve never had a broken bone, ever … and I haven’t fallen since I started doing yoga. Before then, there were a couple of falls that were essentially due to tripping over one of my 2 dogs or its leash during a walk. I made an appointment to see my PCP next week, but now they called back & rescheduled the appointment so its 3 weeks out. So it will be a while before I get official medical advice. So my plan now is to get the info I need so I can ask good questions at my MD appointment when it comes. I do take a calcium supplement & vitamin D. Also I’m a dairy eater - milk, yogurt, cheese - plus big on nuts-- so I probably get plenty of calcium from my diet.
Also, I’m now on Medicare this year so for most things, either Medicare pays or I don’t get. (I’ve got an F supplement, so not worried about any sort of copay or deductible). My cheap-o Part D drug plan will give me the generic Fosamax (alendronate) practically free from preferred pharmacies (like about $1 – it’s listed as Tier 1) - but other brand name options are pricier & some are not in the formulary at all.
I’m generally averse to drug-taking – but I’m thinking with my T-Score the doctor might want to start me on something or other. But I’m confused about the lumbar spine vs. femoral neck thing – the FRAX seems to be calculated against the neck measurement.
@CIEE83 – thank you for your very helpful posts #45 & #49. It’s nice to have a medical perspective vs. anecdotal. It sounds to that if the doctor wants me to start a bisphosphonates, I probably should at least trial it for a while to see how well I tolerate it. But maybe with my FRAX numbers the doctor will opt for a wait-and-see approach. As much as I hate taking meds, I don’t want my bones collapsing either.