CPT 45388 · professional fee

Colonoscopy w/ablation (CPT 45388): negotiated rates by payer and state

What UnitedHealthcare, Aetna, Cigna and Blue Cross Blue Shield pay for CPT 45388, from their published in-network rate files.

GastroenterologySnapshot Aug 2026Professional fee only

National summary

Commercial in-network, four payers combined, professional fee

Median rate

$492

P10 to P90: $298 to $928

vs Medicare

206%

facility rate $238.48

Payer spread

1.49×

UHC $563 vs Aetna $378

State spread

2.9×

AK $1,076 to TX $366

4,339 sampled providers5,041 TINs51 statesSample-based · how this is calculated

What the data shows

Generated from this code's own numbers

UnitedHealthcare has the highest median for CPT 45388 in the files analyzed, at $563, 49% above Aetna ($378), the lowest of the 4 payers shown.

The state spread is 2.9×: Alaska has the highest median at $1,076 and Texas the lowest at $366, a gap larger than the gap between the highest and lowest payer.

Commercial rates run 206% of the Medicare facility rate ($238.48), which ranks 27th of 228 tracked codes by commercial-to-Medicare ratio.

Rates are tightest within Cigna (interquartile range $228) and widest within Blue Cross Blue Shield ($377).

This is a top-39 code for gastroenterology by Medicare allowed dollars, so it carries real revenue weight for that specialty.

The Medicare comparison uses the facility rate: the non-facility rate ($2,659.38) is 11.2× higher because it includes device or supply cost that professional-fee contracts do not.

Rates by payer

Median of per-provider median rates, with interquartile range

Payer	Median	P25	P75	vs national	Rank	Providers	Position
UnitedHealthcare	$563	$435	$750	+14%	1	3,611	236% of Medicare
Blue Cross Blue Shield	$500	$353	$730	+2%	2	3,375	210% of Medicare
Cigna	$490	$405	$632	-1%	3	3,408	205% of Medicare
Aetna	$378	$294	$518	-23%	4	2,388	159% of Medicare

Rate distribution

Box = P25 to P75, whiskers = P10 to P90, tick = median, dashed line = Medicare facility ($238.48)

Rates by state

Median across payers · 50 states with enough data

Rank	State	Median	vs national	Highest payer	Lowest payer	Providers
1	Alaska	$1,076	+119%	n/a	n/a	16
2	Wisconsin	$964	+96%	BCBS	Aetna	106
3	Connecticut	$717	+46%	UHC	Aetna	121
4	Mississippi	$663	+35%	BCBS	Cigna	92
5	New Hampshire	$660	+34%	BCBS	Aetna	73
6	Minnesota	$647	+31%	UHC	Aetna	90
7	North Carolina	$614	+25%	BCBS	Aetna	124
8	Nebraska	$598	+21%	UHC	BCBS	46
9	Georgia	$594	+21%	Cigna	UHC	125
10	District of Columbia	$588	+19%	UHC	BCBS	51
11	Washington	$587	+19%	BCBS	Aetna	95
12	Iowa	$582	+18%	UHC	BCBS	55
13	Massachusetts	$568	+15%	UHC	Aetna	113
14	Oregon	$562	+14%	UHC	Aetna	68
15	North Dakota	$554	+12%	BCBS	UHC	20
16	Delaware	$543	+10%	UHC	Cigna	29
17	South Dakota	$541	+10%	UHC	BCBS	25
18	Alabama	$541	+10%	BCBS	UHC	114
19	Indiana	$539	+9%	BCBS	Aetna	109
20	Idaho	$531	+8%	UHC	Cigna	52
21	Tennessee	$517	+5%	UHC	Aetna	108
22	West Virginia	$512	+4%	UHC	BCBS	49
23	Utah	$510	+4%	Aetna	BCBS	78
24	California	$502	+2%	BCBS	Aetna	103
25	Kansas	$499	+1%	UHC	Aetna	61
26	New Jersey	$498	+1%	Cigna	BCBS	116
27	South Carolina	$492	-0%	BCBS	Aetna	113
28	Arkansas	$489	-1%	UHC	Aetna	81
29	Vermont	$488	-1%	n/a	n/a	22
30	Louisiana	$486	-1%	UHC	BCBS	120
31	New Mexico	$483	-2%	UHC	BCBS	58
32	Pennsylvania	$473	-4%	BCBS	Aetna	114
33	Arizona	$469	-5%	UHC	BCBS	97
34	Missouri	$455	-8%	UHC	Aetna	135
35	Ohio	$451	-8%	UHC	BCBS	123
36	Colorado	$450	-9%	UHC	Aetna	122
37	Kentucky	$449	-9%	UHC	BCBS	124
38	Illinois	$437	-11%	UHC	BCBS	115
39	New York	$435	-12%	UHC	Aetna	127
40	Virginia	$434	-12%	UHC	BCBS	115
41	Hawaii	$432	-12%	n/a	n/a	26
42	Maryland	$432	-12%	Aetna	BCBS	109
43	Maine	$428	-13%	UHC	Aetna	53
44	Florida	$428	-13%	UHC	Aetna	117
45	Montana	$419	-15%	UHC	Cigna	28
46	Rhode Island	$409	-17%	UHC	BCBS	66
47	Nevada	$383	-22%	BCBS	Aetna	84
48	Oklahoma	$378	-23%	UHC	Aetna	98
49	Michigan	$369	-25%	UHC	Aetna	113
50	Texas	$366	-26%	Cigna	Aetna	132

Frequently asked questions

Answers use this page's data

Which payer has the highest median rate for CPT 45388?

In the files we analyzed, UnitedHealthcare, at a median of $563 across 3,611 sampled providers. Aetna is lowest at $378, 49% lower than the highest.

How does the commercial rate compare with Medicare?

The national median is 206% of the 2026 Medicare facility rate of $238.48.

Which state has the highest median for CPT 45388?

Alaska has the highest median at $1,076; Texas has the lowest at $366.

Is this the surgeon, physician or facility payment?

These are professional (physician) fees only. Facility, device and implant payments are priced separately and are not included.

How current is this data?

It is the August 2026 snapshot of each payer's in-network rate file. Sources and filters are listed in the methodology below.

Methodology

How these numbers are calculated

Source: in-network negotiated-rate files published under the federal Transparency in Coverage rule, August 2026 snapshot: UnitedHealthcare Choice plans (74 files); Aetna commercial plans (70 files); Cigna national PPO (1 files); BCBS licensees' own-network files (5,387 files). Payer comparisons describe these files, not each payer's entire book of business.
Sample: rates come from a random sample of up to 150 providers per state and specialty. Counts on this page are sampled providers and TINs, not totals.
Which providers count: only providers in a specialty relevant to the code, because a rate in a payer file attaches to a provider group and is listed under every provider in that group.
Filters: fee-for-service, professional billing class, no modifier, negotiated or fee-schedule dollar rates. Rates outside 1% to 1,000% of the Medicare rate are excluded.
Statistic: one median rate per provider, then percentiles across providers. A cell is shown only with at least 15 sampled providers and 4 TINs.
Medicare benchmark: CY2026 national physician fee schedule, non-QPP conversion factor, unadjusted for locality. Where the non-facility rate is more than twice the facility rate (office rates that include device or supply cost), the facility rate is used so comparisons are like for like.

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