You can use the FRAX (Fracture Risk Assessment Tool) to estimate your risk of fracture, whether or not you’ve had your bone mineral density (BMD) tested. Go to sheffield.ac.uk/FRAX and click on “Calculation Tool.” Many doctors consider prescribing medication if your risk of a major fracture (a spine, arm, or hip fracture) is at least 20 percent—or your risk of a hip fracture, specifically, is at least 3 percent—over the next 10 years.