Is 95 total cholesterol ok?

Probably Great; but: cholesterol is a fat molecule building block of every animal cell membrane (enables membrane fluidity/movement without tearing), made by every animal cell & fundamental to the survival of every animal cell. Lipoproteins (proteins which transport all fats in the water outside cells) = correct issue for artery disease (e.g. LDL ≤700 nmol/l, Large-HDL ≥10 µmol/l). Cholesterol ↓$ test, but misleading.

Usually It Is: Low total cholesterol levels can be found in a variety of settings. For individuals who are not on lipid medications and are otherwise healthy this can occur due to genetically low LDL levels associated with low production of LDL particles (hypobetalipoproteinemia) or increased clearance of LDL particles. See your physician for further discussion and evaluation.