(1) LDL is generally a calculated number. The formula used is not
accurate when TG are under 100. You can see a better calculation here:
http://homepages.slingshot.co.nz/~geoff36/LDL_mg.htm
(2) LDL is composed of both high dense and low dense particles. The
high dense are good and the low dense are bad.
Best would be to get a test that directly measures the LDL. It would
also measure the high and low dense particles. I doubt any insurance
will pay for it. It could cost a couple hundred dollars. And even
with it the insurance company may not understand the difference in
particle density.