I've probably told this story before, but apparently not in this thread.
I had a calcium score scheduled on a Thursday. Monday night, I had an MI, SCA and the whole nine yards. It was pure dumb luck a cardiologist was walking down the hall in the ER and saw my wife, with whom he worked. Called in the interventionalist, got a stent, lived to tell about it. The interventionalist cardiologist who put the stent in told me a week later, "You would have passed the calcium score, your arteries were pretty clean except for that one clot that almost killed you."
When I was at home and wife went back to work, it took her a few hours to clean my record at the cardiology practice. I'd been labeled "non-compliant" because I was in the hospital and missed the test. Laying about in the hospital coming out of anesthesia? That was no excuse!
If there's a moral here, it's that calcium scores aren't everything. It's probably worth having a cardiologist do a work-up on you if it's doubled IMHO, but I'm not representing your insurance.