A long list of Lynda Hollander’s paternal relatives had heart disease, and several had undergone major surgeries. So when she hit her mid-50s and saw her cholesterol levels creeping up after menopause, she said, “I didn’t want to take a chance.”

A cardiologist told Hollander that based on factors like age, sex, cholesterol, and blood pressure, she faced a moderate risk of a major cardiac event, like a heart attack, within the next 10 years.

Doctors typically counsel such patients about the importance of diet and exercise, but Hollander, now 64, a social worker in West Orange, New Jersey, didn’t have much room for improvement. She was already a serious runner, and although “I fall off the wagon once in a while,” her diet was basically healthy. Attempts to lose weight didn’t lower her cholesterol.

Her doctor explained that a coronary artery calcium test, something Hollander had never heard of, could provide a more precise estimate of her risk of atherosclerotic heart disease. Her doctor explained that a coronary artery calcium test, something Ms. Hollander had never heard of, could provide a more precise estimate of her risk of atherosclerotic heart disease. A brief and painless CT scan, it would ‌indicate whether the fatty deposits called plaque were developing in the arteries leading to her heart.

When plaque ruptures, it can cause clots that block blood flow and trigger heart attacks. The scan would help determine whether Hollander would benefit from taking a statin, which could reduce plaque and prevent more from forming.

“The test is used by more people every year,” said Michael Blaha, co-director of the preventive cardiology program at Johns Hopkins University. Calcium scans quadrupled from 2006 to 2017, his research team reported, and Google searches for related terms have risen even more sharply.

Yet “it’s still being underused compared to its value,” he said.

Text Is Inexpensive, but Medicare Rarely Covers It

One reason is that although the test is comparatively inexpensive — sometimes up to $300, but often $100 or less — patients usually must pay for it out-of-pocket. Medicare rarely covers it, though some doctors argue that it should.

Patients with a CAC score of zero — no calcification — have lower risk than their initial assessments indicate and aren’t candidates for cholesterol-lowering drugs. But Hollander’s score was in the 50s — not high but not negligible.

“It was the first indication of what was going on inside my arteries,” she said.

Though guidelines vary, cardiologists generally offer statins to patients with calcium scores over zero, and suggest higher intensity statins when scores exceed 100. At over 300, patients’ risks approach those of people who’ve already had heart attacks; they may need still more aggressive treatment.

Hollander has taken a low dose of rosuvastatin (brand name: Crestor) ever since, supplemented by a non-statin drug, a shot called evolocumab (Repatha).

This is the way calcium testing is supposed to work. It’s not a screening test for everyone. It’s intended only for selected asymptomatic patients, ages 40 to 75, who have never had a heart attack or a stroke and are not already on cholesterol drugs.

The test helps answer a pointed question: to statin, or not to statin.

Calculating the Risks

If a doctor calculates the 10-year risk of atherosclerotic cardiovascular disease at 5% or lower, drugs are unnecessary for now. Over 20%, “there’s no doubt the risk is sufficiently high to justify medication,” said Philip Greenland, a preventive cardiologist at Northwestern University and co-author of a recent review in JAMA.

“It’s the in-between range where it’s more uncertain,” he said, including “borderline” risk of 5% to 7.5% and “intermediate” risk of 7.5% to 20%.

Why add another measurement to these assessments, which already incorporate risk factors like smoking and diabetes?

“A risk score is derived from a large population, with mathematical modeling,” Blaha explained. “We can say that this score describes the risk of heart disease among thousands of people. But there are lots of limitations in applying them to one individual.”

A calcium scan, however, produces an image of one individual’s arteries. Alexander Zheutlin, a cardiology fellow and researcher at Northwestern University, shows patients their images, so that they can see the lighter-colored calcifications.

Cardiologists tend to be fans of calcium testing, because they so regularly encounter patients who are reluctant to take statins. People who feel fine may hesitate to start drugs they’ll take for the rest of their lives, despite statins’ proven history of reducing heart attacks, strokes and cardiac deaths.

Finding the Right Statin

In 2019, a survey of almost 5,700 adults for whom statin therapy was recommended found that a quarter were not in treatment. Of those, 10% had declined a statin and 30% had started and then discontinued, primarily citing fear of side effects.

An American College of Cardiology expert consensus report recently put the rate of muscle pain, statin users’ most common complaint, at 5% to 20%. Researchers consider the fear of side effects overblown, citing studies showing that reports of muscle pain were comparable whether patients took statins or placebos.

“The actual risk is much, much lower than the perceived risk,” Zheutlin said.

That may be little comfort to people who are in pain, but cardiologists argue that reducing doses or switching to different statins usually solves the problem. Some patients will do better on a non-statin cholesterol drug.

Hollander, for example, suffered “muscle cramps that would wake me up at night.” Her doctor advised fewer doses, so Hollander now takes Crestor three days a week and self-injects Repatha twice monthly.

(Statins also carry a very low risk of a dangerous condition, rhabdomyolysis, that causes muscle breakdown, and they slightly increase the chance of diabetes.)

Some caveats: No one has undertaken a randomized clinical trial to show whether calcium testing eventually reduces heart attacks and cardiac deaths. That’s why, although several professional associations endorse calcium scans to help determine treatment, the independent U.S. Preventive Services Task Force has called the current evidence “insufficient” to recommend widespread use.

Such a trial would be expensive and difficult to mount, with many confounding variables. And pharmaceutical companies aren’t eager to underwrite one, since a successful result could mean that patients with zero scores avoid cholesterol drugs altogether.

Results of an Australian Study

But a recent Australian study of asymptomatic patients with family histories of coronary artery disease found that, after three years, those who had undergone calcium scans had sustained a reduction in cholesterol and a significantly lower risk of heart disease than those who had not been tested.

The test “leads to more statin prescriptions, better adherence to statins, less progression of atherosclerosis, and less plaque growth,” Greenland said of the study, in which he was not involved. “It tips the scale.”

Another concern: people age 75 and older. Most will have arterial plaque, making a scan’s benefit “less clear-cut,” said Zheutlin, lead author of a recent JAMA Cardiology article pointing out that CAC testing can be both overused and underused.

Because older adults face more chronic diseases and medical issues, cholesterol-lowering may become a lower priority. A study now enrolling participants over 75 should answer some questions about statins, calcium scans, and dementia in a few years.

Meanwhile, cardiologists see calcium scans as a persuasive tool.

“It’s incredibly frustrating,” Zheutlin said. With statins, “we have cheap, safe, effective drugs available at any pharmacy” that help prevent heart attacks. If CAC test results prove more influential than traditional risk assessments alone, he said, more patients might agree to take them.

A calcium scan helped Stephen Patrick, 70, a retired tech executive in San Francisco, reach that point. “For years, I was borderline on cholesterol, and I managed to beat it back with less cheese toast” and lots of exercise, he said. “I was on no meds, and I took pride in that.”

Last fall, with both his total and his LDL cholesterol higher than recommended, his doctor suggested a calcium scan. His score: 176.

He’s taking atorvastatin (Lipitor) daily, and his cholesterol levels have dropped dramatically. “I might have tried it anyway,” he said. “But the calcium score meant I had to pay more attention.”

The New Old Age is produced through a partnership with The New York Times.

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