It took me a while to figure out what I wanted to do and to even see a Dr about my osteoporosis. My spine was the area in osteoporosis 2.7, had just flipped into osteoporosis. From these forums I felt i had time figure out what to do. After lots of tests mine was just due to lack of estrogen. Then it took months to find a functional medicine Dr, but not covered by my insurance "out of network". I paid out of pocket and for me it was worth. I just submitted the out of pocket itemized bills to my insurance and a a certain point my out of network deductible was filled and they reimbursed me. It been over a year and I'm still good with my decision. I'm on topical hormones since March of 2025. My initial diagnosis of osteoporosis was 2023, 2024 was all about figuring it out and getting tests run, then beginning of 2025 got started with functional medicine Dr.
Totally understand your frustration, had to navigate what to do myself and then the out of pocket costs were a bit much. I'm thankful for the forums where many share there different approaches and successes.
Unless you've already fractured or your scores are truly at the high end of osteoporosis, you have time.