@oretsina, many docs are not prescribing for osteopenia. I would get a second opinion. You could read "The Whole Body Approach to Osteoporosis" by Keith McCormick, who also does consultations.

Depending on your age, starting meds can mean you sort of run out of good options at some point. Say you take a bisphosphonate for 5 years, then what?

Your MD sees the 8.8% decrease in 3 years and is rightly concerned. However, I would hesitate to trust an MD who discourages a second opinioon. That is your right. I would try to see an endocrinologist who specializes in osteoporosis.