Clinical Guide · 2026
Cardiovascular Risk Assessment
The heart risk assessment your annual physical skips: ApoB, Lp(a), hs-CRP, homocysteine and a coronary calcium score — and what each one actually tells you.
Medically reviewed by Luke Sorrell, MD FACP · Board-certified internist · Updated
TL;DR — The Quick Answer
For accurate cardiovascular risk assessment in 2026, a standard lipid panel (total cholesterol, LDL-C, HDL-C, triglycerides) is insufficient as a standalone tool. ApoB (apolipoprotein B) is now recognized by leading cardiology societies as the superior measure of atherogenic particle burden. Lp(a) — a genetically determined lipoprotein — is an independent risk factor affecting approximately 20% of the population and is missed entirely by standard panels. Sorrell MD evaluates ApoB, Lp(a), hs-CRP, homocysteine, and imaging correlates to build a complete cardiovascular risk picture.
What a Complete Cardiovascular Assessment Includes
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ApoB Measurement
ApoB measures the total count of atherogenic particles (LDL, VLDL, IDL, Lp(a)) — one molecule per particle. It's a superior predictor of cardiovascular events compared to LDL-C and is recommended by the European Society of Cardiology and the Canadian Cardiovascular Society as the primary lipid treatment target. Yet most routine panels still don't include it.
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Lp(a) Screening
Lipoprotein(a) is a genetically determined lipoprotein that confers significant independent cardiovascular risk at elevated levels. It affects approximately 1 in 5 people, is not modifiable by lifestyle changes or most statins, and needs to be measured at least once in every adult. Standard panels omit it completely — yet elevated Lp(a) is the leading genetic cause of premature heart disease.
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Inflammatory Markers
hs-CRP (high-sensitivity C-reactive protein) reflects vascular inflammation — a key independent driver of atherosclerosis even in people with normal LDL. Homocysteine elevation is an independent risk factor for thrombosis and cardiovascular disease, and is often caused by B12/folate deficiency — a modifiable, inexpensive fix that standard panels miss.
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Imaging Correlation
We offer two imaging approaches depending on clinical context. A coronary artery calcium (CAC) score is a low-radiation CT that detects calcified (hard) plaque and powerfully reclassifies intermediate-risk patients — a score of 0 dramatically lowers event probability, while a high score prompts aggressive prevention. However, CAC only sees hard plaque and misses soft (non-calcified) plaque, which can be equally dangerous. For a more complete picture, coronary CT angiography (CTA) visualizes both hard and soft plaque, identifies stenosis, and characterizes plaque composition. We recommend CTA when CAC alone may underestimate risk — particularly in younger patients or those with high suspicion despite a low CAC score.
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Comprehensive Lipid Particle Analysis
Beyond basic LDL-C, advanced lipid testing (NMR LipoProfile) reveals lipoprotein particle number and size — distinguishing truly dangerous atherogenic patterns (small, dense LDL) from less harmful phenotypes. This helps avoid over-treating benign lipid elevations and identify undertreated risk in patients with apparently "normal" cholesterol.
What a Full Heart Risk Panel Includes
The targets below are the optimal ranges commonly used in preventive cardiology, not laboratory “normal” ranges. They are individualized to your overall risk; someone with a high Lp(a) or a positive calcium score is held to tighter ApoB and LDL goals than the numbers shown.
| Marker | What it measures | Standard panel? | Optimal target |
|---|---|---|---|
| ApoB | Number of atherogenic particles (LDL, VLDL, IDL, Lp(a)) | No | Under 80 mg/dL; under 60 if high risk |
| Lp(a) | Inherited, highly atherogenic particle; measured once | No | Under 75 nmol/L |
| LDL-C | Cholesterol carried in LDL particles | Yes | Under 100 mg/dL; under 70 if high risk |
| Triglycerides | Circulating fat; a marker of insulin resistance | Yes | Under 100 mg/dL |
| hs-CRP | Vascular inflammation | No | Under 1.0 mg/L |
| Homocysteine | Methylation and B-vitamin status; thrombotic risk | No | Under 10 µmol/L |
| Fasting insulin and HOMA-IR | Insulin resistance years before glucose rises | No | Insulin under 8 µIU/mL; HOMA-IR under 1.5 |
| HbA1c | Three-month average glucose | Sometimes | Under 5.4% |
| Omega-3 index | EPA and DHA in red cell membranes | No | Over 8% |
| Coronary artery calcium (CAC) score | Calcified plaque burden on a low-dose CT | No | 0 |
| Coronary CT angiography (Cleerly) | Total plaque volume including soft, non-calcified plaque | No | No or minimal plaque |
Standard Lipid Panel vs. Advanced CVD Assessment
| Marker / Assessment | Standard Lipid Panel | Advanced CVD Assessment (Sorrell MD) |
|---|---|---|
| ApoB | Not included | Measured |
| Lp(a) | Not included | Measured (lifetime risk marker) |
| LDL particle number & size | Not included | NMR LipoProfile available |
| Inflammatory markers | Not included | hs-CRP, homocysteine, Lp-PLA2 |
| Imaging | Not ordered | CAC score (hard plaque) and/or CTA (hard + soft plaque) |
| Risk synthesis | Framingham risk score only | Multi-marker + imaging risk integration |
Signs You May Benefit from Advanced CVD Assessment
- Family history of early heart disease (first-degree relative under 55 for men, 65 for women)
- Standard lipid panel returns "normal" but you have other risk factors (diabetes, hypertension, smoking, obesity)
- LDL-C is elevated but you want to know whether treatment is actually necessary — or whether it's a benign pattern
- You've had a cardiac event and want comprehensive optimization beyond standard statin therapy
- You're in the 40–65 age range and want a true cardiovascular baseline before symptoms develop
- Your doctor mentioned your cholesterol is "borderline" and recommends lifestyle changes without a clear plan
Cardiovascular Risk Program
12-month program · ongoing management
Extensive baseline labs — extended lipid panel, inflammation markers, insulin resistance risk, omega fatty acids, and thyroid — plus a polygenic risk score for cardiovascular disease (over $400 value), with targeted repeat labs at 6 months included. Also includes monthly telemedicine appointments, unlimited portal and email messaging, personalized supplement, peptide, hormone, and prescription optimization, and access to more advanced testing if needed. A Cleerly CTA or coronary calcium (CAC) scan is recommended for baseline if not done recently (not included). Additional personalized labs and targeted follow-up testing are ordered as needed; extra labs, supplements, prescriptions, and peptides are billed separately.
One-Time Comprehensive Evaluation — $2,000. A single in-depth evaluation and plan with the same extensive labs and polygenic risk score (over $400 value), 100% telemedicine, and personalized optimization. Cleerly CTA or CAC scan and any extra labs, supplements, prescriptions, and peptides billed separately.
Frequently Asked Questions
How much does the Cardiovascular Risk program cost?
Two options are available. A one-time comprehensive evaluation and plan is $2,000 and includes extensive labs — extended lipid panel, inflammation markers, insulin resistance risk, omega fatty acids, and thyroid — plus a polygenic risk score for cardiovascular disease (over $400 value), delivered entirely via telemedicine with a personalized optimization plan. The 12-month annual program with ongoing management is $4,000 and adds targeted repeat labs at 6 months, monthly telemedicine appointments, and unlimited portal and email messaging. A Cleerly CTA or coronary calcium (CAC) scan is recommended for baseline if not done recently and is not included in either price. Extra labs, supplements, prescriptions, and peptides are billed separately.
What is ApoB and why is it better than LDL-C?
ApoB (apolipoprotein B) is a protein that wraps around every atherogenic lipoprotein particle — exactly one ApoB per particle. LDL-C measures the cholesterol content inside LDL particles, but doesn't tell you how many particles are carrying that cholesterol. Two people can have identical LDL-C levels but very different ApoB levels — and very different cardiovascular risk. Since it's particles that embed in arterial walls (not cholesterol itself), particle count predicts risk more accurately. The 2021 European Cardiovascular Society guidelines now recommend ApoB as the primary lipid treatment target.
What is Lp(a) and why does it matter?
Lipoprotein(a) — or Lp(a) — is a modified form of LDL with an additional protein called apolipoprotein(a) that makes it both highly atherogenic (promotes plaque buildup) and thrombogenic (increases clotting risk) simultaneously. Lp(a) levels are 80–90% genetically determined — lifestyle changes and most statins don't significantly lower them. Elevated Lp(a) above 50 mg/dL or 125 nmol/L confers 2–3x increased cardiovascular risk and is the leading genetic cause of premature heart disease. About 20% of the global population has elevated Lp(a). New targeted RNA-based therapies in trials can lower it by over 80%.
What's the difference between a CAC score and a CTA?
A coronary artery calcium (CAC) score uses a low-radiation CT to detect calcified (hard) plaque in the coronary arteries. It's excellent for reclassifying intermediate-risk patients — a score of 0 dramatically lowers event probability, while a high score (300+ Agatston units) prompts aggressive prevention. However, CAC only detects hard plaque and completely misses soft (non-calcified) plaque, which can be unstable and equally dangerous. A coronary CT angiography (CTA) provides a more complete picture by visualizing both hard and soft plaque, identifying stenosis, and characterizing plaque composition. We may recommend CTA when soft plaque is suspected — particularly in younger patients, those with elevated Lp(a), or when CAC is low but clinical suspicion remains high.
What does hs-CRP tell me about my heart risk?
hs-CRP (high-sensitivity C-reactive protein) is a marker of systemic inflammation. In the cardiovascular context, elevated hs-CRP (above 2 mg/L) reflects ongoing vascular inflammation that accelerates atherosclerosis independent of cholesterol levels. The landmark JUPITER trial showed that people with normal LDL-C but elevated hs-CRP derived significant benefit from statin therapy. hs-CRP also motivates lifestyle interventions — it responds to anti-inflammatory diet, weight loss, and aerobic exercise, making it a useful motivational and monitoring tool.
How is homocysteine related to cardiovascular risk?
Homocysteine is an amino acid that, at elevated levels (above 10–15 μmol/L), damages arterial endothelium and promotes clot formation. Elevated homocysteine is an independent risk factor for cardiovascular disease, stroke, and dementia. The most common cause is deficiency in B12, folate, and B6 — which is nutritionally modifiable. Testing homocysteine is valuable because the treatment (targeted B-vitamin supplementation) is safe, inexpensive, and effective, yet it's completely omitted from standard cardiovascular panels.
How is this different from a standard annual physical?
A standard annual physical includes a basic lipid panel, blood pressure, blood sugar, and weight, then applies a Framingham or ASCVD 10-year risk calculator. This misses ApoB, Lp(a), particle size, inflammatory markers, and imaging — all of which substantially refine risk estimates and change treatment decisions. For a 45-year-old with a family history of early heart disease and "normal" cholesterol, only an advanced assessment reveals whether early atherosclerosis is actually present.
What is included in a heart risk assessment?
A complete cardiovascular risk assessment includes the standard lipid panel plus the markers that predict events independently of it: ApoB for particle count, Lp(a) for inherited risk, hs-CRP for vascular inflammation, homocysteine, fasting insulin and HOMA-IR for insulin resistance, HbA1c, and an omega-3 index. Imaging with a coronary artery calcium score or coronary CT angiography adds the actual plaque burden. Sorrell MD's evaluation also includes a polygenic risk score for coronary disease.
Do I need to fast for cardiovascular risk testing?
Fasting for 10–12 hours is recommended because triglycerides, fasting insulin and HOMA-IR are meaningful only in the fasted state. ApoB, Lp(a), hs-CRP and homocysteine are not affected by meals. Water, and usually black coffee, are fine before the draw.
How often should ApoB and Lp(a) be checked?
Lp(a) is about 90% genetically determined, so one measurement is enough for most people; a repeat is only useful after a change that can shift it, such as menopause or starting hormone therapy. ApoB should be rechecked 6–12 weeks after any change in treatment and then annually once at target.
Does Sorrell MD coordinate with imaging centers for CAC and CTA?
Yes. Dr. Sorrell can order a CAC score or coronary CTA — or help interpret one you've already had — integrating the findings into a comprehensive risk assessment and action plan. Lab panels are ordered through national networks (Quest, LabCorp) with draw sites near you — all coordinated via telemedicine.
Clinical References
- Grundy SM, et al. "2018 AHA/ACC Guideline on the Management of Blood Cholesterol." J Am Coll Cardiol. 2019;73(24):e285-e350. doi.org/10.1016/j.jacc.2018.11.003
- Ference BA, et al. "Low-density lipoproteins cause atherosclerotic cardiovascular disease." Eur Heart J. 2017;38(32):2459-2472. doi.org/10.1093/eurheartj/ehx144
- Kronenberg F, et al. "Lipoprotein(a) in atherosclerotic cardiovascular disease and aortic stenosis: a European Atherosclerosis Society consensus statement." Eur Heart J. 2022;43(39):3925-3946. doi.org/10.1093/eurheartj/ehac361
- Ridker PM, et al. "Rosuvastatin to Prevent Vascular Events in Men and Women with Elevated C-Reactive Protein." N Engl J Med. 2008;359(21):2195-2207. doi.org/10.1056/NEJMoa0807646
- Patel J, Al Rifai M, Blaha MJ, et al. "Coronary Artery Calcium Improves Risk Assessment in Adults With a Family History of Premature Coronary Heart Disease: Results From the Multiethnic Study of Atherosclerosis." Circ Cardiovasc Imaging. 2015;8(6):e003186. doi.org/10.1161/CIRCIMAGING.115.003186
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