Because I have a cardiologist (due to a heart arrhythmia I developed in the past decade), when my high total cholesterol is brought up by my internist, I simply point out that all my cardiac ratios are superb, my HDL is a thing of beauty, my Trigs are low, and for the kicker - I have a genetic component that explains my high total cholesterol. I refuse to take statins.

There has to be an insurance company somewhere that would pay attention to more than one number - the total cholesterol?!