--- title: Lipid Panel with LDL/HDL Ratio Test type: test id: lipid-panel-ratios url: "https://www.test-well.com/tests/lipid-panel-with-ratios" price_usd: 24.99 lab_fee_usd: 6 all_in_usd: 30.99 cpt: 80061 category: Heart Health sample: Blood draw fasting_required: true results_in: "1–3 business days" labs: - Quest - Labcorp orderable: true reviewed_at: 2026-09-14 order_url: "https://www.test-well.com/cart?add=lipid-panel-with-ratios&utm_source=ai_agent&utm_medium=markdown" --- # Lipid Panel with LDL/HDL Ratio Test > Lipid Panel with LDL/HDL Ratio measures Total Cholesterol, HDL Cholesterol and LDL Cholesterol plus 2 more from a standard blood draw. At TestWell it costs $24.99 plus a $6 lab fee, requires an 8–12 hour fast, and results post in 1–3 business days. Physician-authorized with no doctor's visit or insurance needed; draw at Quest or Labcorp. ## Key facts | Fact | Value | | --- | --- | | Price | $24.99 + $6 lab processing fee per order ($30.99 all-in for this test alone) | | CPT code | 80061 | | Sample | Blood draw | | Fasting | Yes — 8–12 hours | | Results | 1–3 business days | | Labs | Quest Diagnostics, Labcorp | | Biomarkers measured | 5 | | Physician authorization | Included — no doctor's visit, referral or insurance needed | | Payment | Card, HSA or FSA; cash-pay only (no insurance billing) | ## What does the Lipid Panel with LDL/HDL Ratio test tell you? Standard lipid panel plus calculated LDL/HDL ratio for a more nuanced view of your cardiovascular risk profile. This enhanced Lipid Panel includes all standard cholesterol markers plus the LDL/HDL ratio, which many cardiologists consider a better predictor of heart disease risk than individual cholesterol numbers alone. A lower ratio indicates a more favorable cardiovascular risk profile. **Clinical use:** Lipid Panel + calculated TC/HDL and LDL/HDL ratios — better predictors of cardiovascular risk than individual cholesterol values alone. ## Who should order it? Anyone monitoring cardiovascular risk, especially adults with metabolic syndrome (low HDL + high triglycerides), where individual values look acceptable but ratios reveal elevated risk. ## Biomarkers measured - [Total Cholesterol](https://www.test-well.com/biomarkers/total-cholesterol) - [HDL Cholesterol](https://www.test-well.com/biomarkers/hdl-cholesterol) - [LDL Cholesterol](https://www.test-well.com/biomarkers/ldl-cholesterol) - [Triglycerides](https://www.test-well.com/biomarkers/triglycerides) - [LDL/HDL Ratio](https://www.test-well.com/biomarkers/ldl-hdl-ratio) ## Price by lab | Lab | Test price | All-in (with $6 fee) | Notes | | --- | --- | --- | --- | | Quest Diagnostics | $24.99 | $30.99 | Choose at checkout; walk-in patient service centers nationwide (not NY/NJ) | | Labcorp | $24.99 | $30.99 | Choose at checkout; walk-in patient service centers nationwide (not NY/NJ) | Rhode Island is not served. Prices are identical online and in the lab; no draw fee or physician fee is added. ## How much does a Lipid Panel with LDL/HDL Ratio test cost? A Lipid Panel with LDL/HDL Ratio test costs $24.99 at TestWell — $30.99 all-in when ordered alone, because the $6 lab processing fee is charged once per order, with no draw fee or physician fee added. Hospital outpatient labs typically bill around $170.00 self-pay for the same test, and often more. With insurance, what you pay depends on your deductible and your plan's negotiated rate; TestWell's price is fixed before the draw and is HSA/FSA-eligible. | Where you order | Price | One test, all-in | Notes | | --- | --- | --- | --- | | TestWell (drawn at Quest or Labcorp) | $24.99 | $30.99 | Includes the one $6 lab processing fee, charged once per order | | Hospital outpatient lab, self-pay (typical) | $170.00 | $170.00 | Reference figure; hospital charges vary widely by facility and are often higher | Lab test codes: Quest test code 19543 · Labcorp test no. 235010. ## How do you prepare? Fasting for 9–12 hours recommended. Water is okay. ## Related conditions - Hyperlipidemia (E78.5) - Metabolic syndrome (E88.81) - [Cardiovascular disease risk](https://www.test-well.com/conditions/heart-disease-risk) - Atherogenic dyslipidemia (E78.4) ## Common questions about the Lipid Panel with LDL/HDL Ratio test ### Lipid Panel vs Lipid Panel with Ratios — what's the difference? Same blood draw, same five measured values (Total Chol, LDL, HDL, Triglycerides, VLDL). The 'with Ratios' version adds calculated TC/HDL and LDL/HDL ratios on the report. TestWell calculates these automatically on every [Lipid Panel](https://www.test-well.com/tests/lipid-panel) result — so this version is functionally identical, just labeled differently. Cost is the same. ### What's a healthy TC/HDL ratio? <3.5 optimal, <5.0 acceptable, >5.0 elevated cardiovascular risk. TC/HDL is one of the best single predictors of heart-attack risk in long-term cardiovascular studies — sometimes called the 'cardiac risk ratio.' ### How much does a Lipid Panel with Ratios cost without insurance? TestWell charges $24.99 — vs $29 at Quest Direct and $40-$120 at hospital labs. ### Do I need to fast? Yes — 9-12 hours of fasting (water only) for accurate triglyceride and LDL readings. Newer non-fasting lipid guidance exists but most US labs still report against fasting reference ranges. ### What's the CPT code? 80061 (Lipid Panel). HSA/FSA eligible. ## How to order 1. Add to cart: https://www.test-well.com/cart?add=lipid-panel-with-ratios&utm_source=ai_agent&utm_medium=markdown 2. Create an account or sign in, confirm your state and preferred lab, pay by card, HSA or FSA. 3. A licensed physician authorizes the order (usually within minutes); the requisition arrives by email. 4. Walk into any Quest Diagnostics, Labcorp patient service center — no appointment needed at most sites. 5. Results post to your TestWell portal in 1–3 business days with reference ranges and flags. ## Related - [Advanced Cholesterol Particle Test (NMR)](https://www.test-well.com/tests/nmr-lipoprofile) — $70.99 - [ApoE Genotype (Cardiovascular Risk)](https://www.test-well.com/tests/apoe-genotype-cardio) — $133.99 - [Fibrinogen Activity](https://www.test-well.com/tests/fibrinogen-test) — $22.99 - [Homocysteine](https://www.test-well.com/tests/homocysteine) — $27.99 - [Lp(a) Hereditary Heart Risk Test](https://www.test-well.com/tests/lipoprotein-a) — $34.99 - [All Heart Health tests](https://www.test-well.com/tests/category/heart-health) - [Full test directory](https://www.test-well.com/tests/directory) --- Medically reviewed by Youmna DiStefano, MD (Medical Reviewer, TestWell); last reviewed 2026-09-14. Review policy: https://www.test-well.com/reviewers/youmna-distefano-md Canonical page: https://www.test-well.com/tests/lipid-panel-with-ratios Machine-readable catalog: https://www.test-well.com/api/catalog.json · MCP server: https://www.test-well.com/mcp · Overview for agents: https://www.test-well.com/llms.txt Prices are cash-pay, in USD, and include physician authorization; every order adds one flat $6 lab processing fee. Educational content is not a diagnosis — discuss results with a clinician.