High Cholesterol Levels: Signs and Insurance Coverage

Health insurance coverage for high cholesterol is available through most policies. Here's what you need to know about high cholesterol prevention and health insurance coverage for it.

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High Cholesterol Levels: Signs and Insurance Coverage

High cholesterol is not uncommon for men and women in the U.S. However, it can create health complications and increase to more worrisome health problems over time. For that reason, you need to maintain health insurance to cover your needs for medication and doctor treatment. The following information can give you some insight. Do not consider it to be medical advice but information about health insurance coverage and high cholesterol levels.

What Causes High Cholesterol Levels?

The U.S. Centers for Disease Control and Prevention state that between 2015 and 2016, about 12 percent of the population of people over the age of 20 had high total cholesterol. It occurs for several reasons. Cholesterol attaches to proteins in the bloodstream. This is called lipoproteins when they are linked. Low-density lipoprotein or LDL is the bad type of cholesterol that can buildup in the walls of your arteries, creating a dangerous impact. High-density lipoproteins or HDL, are good cholesterol because it works to pick up all of the extra cholesterol in the body and works to remove it from your system. Genetics, an inactive lifestyle, unhealthy dietary habits, and being overweight can increase the chances of having this condition.

High Cholesterol Levels Risk Groups

Some people are more likely to suffer from high cholesterol than others. If you do not get routine exercise, are obese, or you smoke, your chances of having it are much higher. A diet that is high in saturated fats, especially trans fats, is also likely to increase your risks. Men and women who have diabetes are also likely to have not only high cholesterol but also complications from it.

Symptoms of High Cholesterol Levels

What makes high cholesterol so worrisome is that many people do not know they have it. That is because there are no signs of high cholesterol in most people. You may not have any symptoms of high cholesterol present. In some people, the only way to know is through blood tests. Your doctors will provide these blood tests during most well visits and any time you come in for a checkup.

Prevention of High Cholesterol Levels

It may be able to prevent high cholesterol levels from occurring. Living a heart-healthy lifestyle is by far the most important thing you can do to achieve this. That means reducing your sodium intake, improving your exercise levels, limiting the amount of animal fat consumed, and managing your stress. It can also help to drink alcohol in moderation and to avoid smoking. Routine screenings, including those that are covered by your health insurance, can also help your doctors to pinpoint this problem early on for treatment.

Health Insurance Coverage for High Cholesterol Levels

Having high cholesterol is not uncommon for many people, but it is a condition that is likely to require ongoing medical care and medications. For that reason, it is important to maintain a good health insurance policy if you have high cholesterol. This means choosing a policy that provides comprehensive care to you that includes medication support – including a good prescription drug plan – and a moderate deductible for ongoing medical needs. Most health insurance policies cover most of what you need for having high cholesterol.


Because this condition can progress and include more complicated and complex health matters, it is also important that you maintain your health insurance policy long term. However, if you are looking for a new policy, it is also important to let the insurance company know about your diagnosis of high cholesterol. This can impact your coverage and your rates for your plan. You should not be denied coverage because of your cholesterol numbers even if they are significantly outside the normal range for cholesterol.


Health insurance can include routine testing and monitoring for cholesterol throughout your lifetime. When you visit for your annual exam or any type of wellness exam, your doctor will likely monitor for your blood cholesterol. This should be covered under your plan.


Having high cholesterol may mean you need to visit your doctor’s office more often. You may also find that you need to take medications. Maintain a comprehensive health insurance policy, then, to cover these needs.


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