Florida Health Insurance Terms:
"Blood Chemistry Panel"

Blood Chemistry Panel: A series of blood tests that an insurance company may require of applicants during the underwriting process.

Chemistry (Chem) Screen A large part of your laboratory report is results of the chemistry screen. These tests measure various chemicals in your blood to see whether your body is working correctly. See Fact Sheet 121 for information on the Complete Blood Count and Fact Sheet 123 for information on blood glucose (sugar) and cholesterol tests. Laboratories have different "reference ranges" or normal values for the results of each test. Most lab reports show the normal range and highlight any test results outside the normal range. For more information on laboratory test results, see Fact Sheet 120 or MEDLINEplus online at www.medlineplus.gov/.

The mineral calcium is a major component of bones and teeth. Calcium is also needed for nerves and muscles to work properly, and in chemical reactions in the cells. The body controls the amount of calcium in the blood. However, the amount of protein in the blood can affect calcium test results (see albumin). The most common cause of low calcium test results for people with HIV is low protein levels due to malnutrition or wasting. Abnormal calcium levels can indicate digestive problems.

Phosphorus, like calcium, is a major component of bones. Low levels of phosphorus for a long period of time can cause damage to bones, nerves and muscles. High phosphate levels are most often due to kidney failure.

Glucose is sugar, which is broken down in the cells to provide energy. See Fact Sheet 123 for more information on blood glucose tests.

The Electrolytes

The electrolytes are related to fluid balance in your cells. They are especially important if you become dehydrated or have kidney problems.

Sodium levels indicate your balance of salt and water. They also are a sign of the functioning of your kidneys and adrenal glands. Abnormal blood sodium levels often indicate that blood volume is too low (due to dehydration) or too high. They can also occur when the heart is not pumping blood normally, or when the kidneys are not working properly.

Potassium affects several major organs including the heart. Potassium levels rise in kidney failure, and may be abnormal due to vomiting or diarrhea.

Chloride levels often go up and down along with sodium levels. This is because sodium chloride, or common salt, is a major component of blood.

Bicarbonate or CO2 measures a buffer system in the blood. A normal CO2 level keeps the blood acidity at the correct level. A high level might be caused by high levels of lactic acid in the blood.

Kidney Function Tests

The basic kidney function tests are blood urea nitrogen (BUN) and creatinine. Abnormal levels of phosphorus, sodium or uric acid can also be caused by kidney problems.

Blood Urea Nitrogen (BUN) is nitrogen in the blood. This is a waste product that is normally removed by the kidneys in the urine. High BUN levels can be due to a high-protein diet, dehydration, or kidney or heart failure.

Creatinine is a waste product of protein digestion and a measure of kidney function. High levels are usually due to kidney problems. Doctors use the creatinine level as most direct sign of how well the kidneys are removing waste products from the body.

Liver Function Tests

The lab tests called "liver function tests" actually measure the levels of enzymes found in the liver, heart, and muscles. Enzymes are proteins that cause or increase chemical reactions in living organisms. High enzyme levels can indicate liver damage caused by medications, alcohol, hepatitis, or recreational drug use. Different patterns of these enzymes -- when some are elevated and others are normal -- can help your doctor identify specific health problems. Laboratory tests include:

  • ALT (alanine aminotransferase), formerly called serum glutamate pyruvate transaminase or SGPT)
  • AST (aspartate aminotransferase), formerly called serum glutamic-oxaloacetic transaminase or SGOT)
  • Bilirubin (a yellow fluid produced when red blood cells break down). Note: The antiviral drugs indinavir
  • (Crixivan) and atazanavir (Reyataz) can increase bilirubin.
  • Alkaline Phosphatase
  • GGT (gamma glutamyl transpeptidase)
  • LDH (lactic dehydrogenase; not the same as lactic acid)

Other Blood Chemistry Tests

Uric Acid comes from the breakdown of DNA (genetic material in the cells). It is normally removed by the kidneys. High levels of uric acid are fairly common. Very high levels can be caused when the kidneys are unable to remove uric acid from the blood or by leukemia or lymphoma.

Albumin is the major protein in the blood. It maintains water balance in the cells, carries nutrients to the cells and removes waste products. Low albumin is generally a sign of nutrition problems.

Because albumin carries so many substances in the blood, low albumin levels can cause incorrect low results for other laboratory tests, especially calcium or testosterone.

Globulin (also called immunoglobulin) measures the protein in antibodies produced by the immune system. HIV infection causes an abnormally high level of globulin. Levels are usually reported for IgG and for IgA, IgD, IgE and IgM.

Sedimentation Rate (Erythrocyte Sedimentation Rate) or Sed Rate measures how quickly red blood cells settle in a tube of blood. A high sed rate indicates some type of inflammation. However, the sed rate does not indicate whether the inflammation is long-term, like arthritis, or is due to the body fighting an infection.

The C-Reactive Protein test or CRP is another general test of inflammation. It rises and falls faster than the Sed Rate. High levels of CRP may be a sign of increased risk of heart attack.

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