When it comes to protecting your health, knowledge is power. One of the most effective ways to detect heart disease early—before symptoms even appear—is through a Calcium Score Test, also known as a Cardiac Calcium Scoring CT Scan.
What Is a Calcium Score Test?
A calcium score test is a non-invasive imaging test that uses a specialized CT scan to look for calcium deposits in the coronary arteries. These deposits can indicate plaque buildup, which may increase your risk for heart attacks and other cardiovascular events.
The test results in a “score” that measures the extent of calcification in your arteries:
• 0: No calcium detected. Low risk of heart disease.
• 1–99: Mild evidence of plaque. Low-to-moderate risk.
• 100–399: Moderate evidence of plaque. Moderate-to-high risk.
• 400+: Extensive evidence of plaque. High risk of significant heart disease.
Why Is It Important?
Heart disease remains the leading cause of death in the United States. Many people don’t experience warning signs until the condition is advanced. A calcium score test can help identify risks early, giving you and your doctor the chance to take preventive steps.
Who Should Consider the Test?
This test isn’t for everyone, but it can be especially valuable if you:
• Are between ages 40 and 70 and have risk factors for heart disease.
• Have a family history of heart disease.
• Have borderline or elevated cholesterol levels.
• Have high blood pressure, diabetes, or are overweight.
• Are a smoker or a former smoker.
Benefits of the Test
• Quick and non-invasive: No needles, dyes, or prep needed.
• Predictive insight: Provides a clear picture of your long-term heart health risk.
• Peace of mind: A low score may help you avoid unnecessary medications or further testing.
How Much Does It Cost?
If your insurance does not cover the calcium score test, the out-of-pocket price is often very affordable compared to other medical imaging.
• In the Chicago area, many providers such as Northwestern Medicine, Rush Copley, and Advocate Health offer the test for $49–$100 self-pay.
This makes the calcium score test one of the most cost-effective ways to assess heart health risk.
How Insurance Can Help
Some insurance plans may cover a calcium score test, especially if you have documented risk factors. Even if it’s not covered, knowing that the test is typically less than $100 locally means it can still be a smart preventive investment in your long-term health. Having the right insurance ensures you have access not only to preventive screenings like this but also to follow-up care and treatment if needed.
Taking Control of Your Health
Your heart health is too important to leave to chance. If you’re concerned about your risk factors, talk to your doctor about whether a calcium score test is right for you. Pairing preventive health screenings with the right insurance coverage is one of the smartest ways to protect both your health and your finances.
