auburn62,
Yes, it's quite possible to have a total cholesterol level of 186, and still have a high triglyceride level. This is how the formula works:
TC= HDL + LDL + (Triglycerides/5)
The ratio you are referring to is your TC/HDL ratio. You simply divide your total cholesterol number by your HDL. So, your ratio would be 6.2.
I don't know what your particular situation is, but have you first tried changing your diet before going on the Lipitor? Do you typically eat a low fat diet? Quite often a low fat diet will result in elevated triglycerides and lower HDL levels in many people. On the other hand, a low carb diet quite often will have the opposite effect; triglycerides plummet and HDL rises.