Health and Wellness

Health Insurance

Women's preventive care: screenings and habits by age

Read Time

6 Minutes

Written by

Team Curative

Published

Jun 26, 2026

Why should your wellness plan be as unique as you are? Women face a different set of health risks than men — and often, a different relationship with care. Women are more likely to schedule appointments, encourage loved ones to see providers, and stay on top of their families' health. They're also more likely to deprioritize their own.

That gap matters. Several conditions either affect only women or affect them differently than men — and the symptoms often don't look like the textbook examples. Here's what to know about preventive care across the stages of women's lives.

A quick note on terminology. In this article we'll focus on health concerns tied to biological sex, which is rooted in anatomy, physiology, genetics, and hormones. Gender covers identity, expression, and the social and cultural expectations associated with it. Gender-affirming care is its own important area. Here, we're focused on what your biology tells us about staying healthy.

Women walking and admiring the sunset over the river

Women drive healthcare — for everyone but themselves

Women are more likely than men to schedule appointments, follow up on care, and act as the healthcare coordinators for partners, children, and parents. The cost of that role is real: in the process of taking care of everyone else, women often put their own care on hold.

Preventive care reverses that pattern. A steady relationship with a primary care provider is one of the most effective things you can do for your long-term health — and it's where the rest of your preventive care plan gets built.

The health concerns that affect women differently

Several conditions either affect only women, affect them more often, or present differently in them than in men:

Heart disease — the #1 cause of death for women in the U.S., though many women underestimate the risk

Breast cancer

Reproductive health conditions, including endometriosis, fibroids, polycystic ovary syndrome (PCOS), and cancers of the cervix, uterus, and ovaries

Pelvic floor concerns, including incontinence and prolapse

Osteoporosis — women are at significantly higher risk than men, especially after menopause

Depression and anxiety — women experience Major Depression at roughly twice the rate of men, and are about twice as likely to develop an anxiety disorder

A theme runs through several of these: women's symptoms often look different than men's, which contributes to diagnostic delays.

Heart disease: the most underestimated risk

Heart disease kills more women in the U.S. than all cancers combined, but only about half of women recognize it as their leading cause of death. Part of the problem is symptom presentation. Women having a heart attack are more likely than men to experience nausea, jaw or back pain, shortness of breath, or unusual fatigue rather than the classic chest pain — and those symptoms are easier to dismiss or misattribute.

Risk factors specific to women include pregnancy complications (preeclampsia, gestational diabetes), early menopause, and polycystic ovary syndrome. If any of those apply to you, your cardiovascular risk picture is different — and worth talking about with your provider.

Reproductive health across the life stages

Reproductive and gynecological health is a thread that runs through most of a woman's life, and the priorities shift over time:

Teens and twenties: HPV vaccination (recommended at ages 11–12), starting Pap tests at 21, conversations about menstrual health and contraception
Thirties: Pap and HPV testing, fertility planning conversations, monitoring for conditions like endometriosis and fibroids
Forties: Perimenopause often begins; mammogram screening starts at 40 under the updated 2024 USPSTF recommendation
Fifties: Menopause typically begins around 51; bone density becomes a priority
Sixties and beyond: Continued screenings for breast and colorectal cancer; ongoing attention to bone, heart, and cognitive health

If you're planning a pregnancy or currently pregnant, Curative offers a maternity program designed around the realities of prenatal and postnatal care.

Menopause and what comes next

Menopause is a significant transition that often doesn't get the attention it deserves. The lead-up — perimenopause — can begin in a woman's forties and bring a wide range of symptoms: hot flashes, sleep disruption, mood changes, changes in periods, and more. Many women navigate this stage without realizing the symptoms they're experiencing are connected.

A good provider relationship makes a real difference here. Treatment options have expanded significantly in recent years, and a candid conversation about symptoms is the starting point. After menopause, bone density and cardiovascular risk both shift, which is why screenings change in this period of life.

Mental health: a different picture

Women's mental health symptoms are frequently misattributed or dismissed — as stress, as hormones, as just a hard season of life. But depression and anxiety are clinical conditions, and hormonal transitions like postpartum, perimenopause, menopause — can amplify symptoms. So can the cumulative weight of caregiving for others and the “mental load.”

Mental health care should be as accessible as physical care. Curative members have access to mental health support, including therapy and virtual visits.

Preventive screenings for women, by life stage

Highly recommended preventive screenings include:

Ages 11–12: HPV vaccination
Age 20: Annual visit with a gynecologist, including breast exam
Ages 21–29: Pap test every three years
Age 30: Add HPV testing alongside Pap tests
Age 40: Begin annual mammograms — USPSTF updated its recommendation in 2024 to start screening at 40 for women at average risk
Age 45: Begin colorectal cancer screening (USPSTF lowered the start age from 50 to 45 in 2021)
Ages 45–55: Talk to your provider about perimenopause and menopause
Age 65: Bone mineral density scan
Age 75: Discuss with your provider whether to continue mammograms and colon cancer screening

Your provider will tailor recommendations based on your personal and family history.

Lifestyle moves that move the needle

Beyond screenings, day-to-day habits shape long-term outcomes more than almost anything else:

Move regularly. Aim for at least 150 minutes of moderate activity per week — and add strength training, which is especially important for bone density.
Prioritize calcium and vitamin D. Both are critical for long-term bone health.
Watch alcohol. Even moderate alcohol use is associated with increased breast cancer risk.
Don't smoke. Talk to your provider about cessation support if you do.
Sleep. Quality sleep supports hormonal balance, cardiovascular health, and mental health.

Get your numbers. Blood pressure, cholesterol, and blood glucose are simple measurements that reveal a lot.

How Curative supports women's health

Curative was built on a simple idea: when cost and complexity stop getting in the way, people actually use the care that's available to them.

Your Curative experience starts with the Baseline Visit:

A virtual visit with a clinician, from home
Uninterrupted time to talk through your health history and goals
A walk-through of your benefits with a Curative Care Navigator
A confidential record never shared with your employer
$0 cost to you

After your Baseline Visit, your Care Navigator stays with you — connecting you with the right provider, building preventive care strategies, handling prescription transfers through Curative Pharmacy, and providing steady support across every stage of life.

Curative members also get $0 copays on most prescriptions and primary care visits, $0 deductible across the plan, covered mental health support and preventive screenings like Galleri's multi-cancer detection test.

About Curative

When you're covered by Curative, you get personalized guidance through every step of your healthcare journey. The plan is designed to remove the friction traditional insurance creates, so you can focus on your health instead of decoding your benefits.

Our mission is straightforward: a sustainable healthcare plan that makes it easy to actually achieve better health. No copays. No deductibles. No, really.

Learn more about preventive care with Curative.