I think the white blood cell count in your urine
may be high- she did not think you had an infection?
Blood in the urine
- causes can be urinary tract infection, infection in the kidneys (which can also cause flank pain), kidney or bladder stone(s), interstitial cystitis, enlarged prostate, diseased kidneys, cancer, and more... so it's a positive your doctor is referring you to the urologist.
Have you taken any steps to reduce your cholesterol level- dietary, exercise, prescribed medication?