You have to be able to get the prescription. HMOs (Kaiser specifically) will generally not provide any sort of preventative care in this area unless your numbers are very high. You can’t get access to a cardiologist unless you’ve already had an adverse event.

If you can get time off work and have a PPO, you can get the preventative care.

$10 is the cash price. Your doctor diagnoses, not insurance, and you don't need a specialist to get diagnosed regardless of what your insurer wants. Even a nurse practitioner can prescribe you a statin.