I'm 52 & have had yearly bone scans for the past 3 years ever since my OB-gyn got a scanner. Maybe insurance is more generous checking BMDs on women than men. I turn it into my insurance & get the insured rate but my HSA deductible is so high that I end up paying the whole thing anyway.

All bones in osteopenia range:
L1-L4 .965 (worse than yours @ 1.239) This number worsened from 1.056 @ first scan
L femur .870 (better than yours @ .758) This number worsened from .910 @ first scan
R femur .851 This number worsened from .901 @ first scan

Soo . . . After the first scan, I started 1200 mg calcium daily and started walking 5 miles 3-5 times weekly. The other days are cycle days, typically a slow 50 mile ride. The bad news is,
I've read that cycling isn't necessarily any good for osteopenia, tho my doc says any exercise is good. Apparently, the sweating you do when cycling can actually make you lose more calcium - and I ride in the Arizona heat After a year of this, my spine scored a hair better and both hips a hair worse.

Then I came off the pill, bye bye estrogen - all 3 numbers worsened even tho I'd stepped up from walking to jogging. The doctor was about to put me on some kind of Fosamax type drug but I showed him the new calcium pills I'd just started, Bayer's Citrical Plus Bone Density Builder w/ Genistein. Genistein is supposed to "increase bone density by up to 5%." I also stepped the jogging up to running (six 10-minute miles). Running is supposed to be good because bang-bang-banging the ground causes microfractures which cause bones to remodel. So even tho I dislike running, I do it and we shall see in a few months if it and the Genistein have had any effect. The upside is I've gone from size 8 to the size 2 of my youth, not easy to do after 50 because the other thing that happens when estrogen leaves is you get fat