Without knowing your age, if you are pre or post-menopausal, or familial cardiac risk factors, here is what I have to say (as a not-yet dr...but 2nd year medical student)
People would pay for your cholesterol numbers!
We shoot for the LDL to be under 130 and the HDL to be over 40 or so. (according to current practice guidelines). If I had my way, I would try to have all LDL under 100 and HDL over 50. BUT...your HDL is SO high (which is GREAT) that it protects against the minimally over-what-we'd-like LDL.
I am assuming you are not overweight.
If you have had a father die of heart disease before the age of 55 or a mother die of heart disease before the age of 65, I might consider putting you on a statin (probably Lipitor as Crestor...the other one...is the most potent and has the most side effects).
I would hope the insurance company wouldn't penalize you for your LDL. As long as you don't have any other risk factors, there really is no reason to treat you. I wouldn't diagnose you as "hypercholesterolemia" or "dyslipidemia" at this time. I would hope the insurance companies would use a diagnosis and not try to diagnose you themselves. But, alas, insurance companies are out to make money (isn't everyone?) so if they can, they will.
For example, I have essential hypertension (high blood pressure) that is totally genetic. I am 24, 5'4", 118 lbs, and a Cathe fanatic. My diet is clean (except a bit of ice cream here and there). My blood pressure cannot be lowered by lifestyle modifications (since I am already doing all the "right" things). Medications (HCTZ and Lisinopril) have lowered my BP down to 107/78. There are no consequences of high BP if you keep it controlled, yet the insurance company still decided to raise my premiums by 50%. Now understand, had I not pushed my doc for meds to control my BP (so that I would never have eye problems, kidney problems, or heart problems from it), my insurance wouldn't have gone up! But, since I decided that I needed $7/month meds to trt something that will save my insurance company thousands from in the future (the complications of untreated high BP are outrageous!) they decided to penalize me. Go figure. I will be the first to say our health care payment system is WAY out of whack. (anyway, *gets off her soap box*)
Becky McGilligan
MS-2
Florida State University College of Medicine