Office o/p est sf 10 min (CPT 99212): negotiated rates by payer and state
What UnitedHealthcare, Aetna, Cigna and Blue Cross Blue Shield pay for CPT 99212, from their published in-network rate files.
National summary
What the data shows
UnitedHealthcare has the highest median for CPT 99212 in the files analyzed, at $64, 56% above Aetna ($41), the lowest of the 4 payers shown.
The state spread is 2.3×: Alaska has the highest median at $88 and Arizona the lowest at $38, a gap larger than the gap between the highest and lowest payer.
Commercial rates run 83% of the Medicare non-facility rate ($59.45), which ranks 227th of 228 tracked codes by commercial-to-Medicare ratio.
Rates are tightest within Aetna (interquartile range $16) and widest within UnitedHealthcare ($40).
This is a top-14 code for dermatology by Medicare allowed dollars, so it carries real revenue weight for that specialty.
Rates by payer
| Payer | Median | P25 | P75 | vs national | Rank | Providers | Position |
|---|---|---|---|---|---|---|---|
| UnitedHealthcare | $64 | $47 | $87 | +30% | 1 | 31,635 | |
| Blue Cross Blue Shield | $50 | $40 | $65 | +1% | 2 | 30,417 | |
| Cigna | $49 | $36 | $65 | -0% | 3 | 31,292 | |
| Aetna | $41 | $34 | $49 | -17% | 4 | 26,440 |
Rate distribution
Rates by state
| Rank | State | Median | vs national | Highest payer | Lowest payer | Providers | Level |
|---|---|---|---|---|---|---|---|
| 1 | Alaska | $88 | +80% | UHC | Cigna | 328 | |
| 2 | Oregon | $81 | +66% | UHC | Aetna | 808 | |
| 3 | Wisconsin | $78 | +59% | UHC | Aetna | 867 | |
| 4 | Washington | $75 | +53% | UHC | Aetna | 868 | |
| 5 | Hawaii | $74 | +50% | UHC | Aetna | 502 | |
| 6 | Nebraska | $68 | +39% | UHC | Aetna | 601 | |
| 7 | Massachusetts | $68 | +38% | UHC | Aetna | 920 | |
| 8 | Wyoming | $63 | +28% | UHC | Aetna | 270 | |
| 9 | North Dakota | $63 | +27% | BCBS | Aetna | 343 | |
| 10 | Minnesota | $62 | +27% | BCBS | Aetna | 851 | |
| 11 | New Hampshire | $61 | +23% | UHC | Aetna | 732 | |
| 12 | District of Columbia | $58 | +19% | UHC | BCBS | 520 | |
| 13 | Idaho | $58 | +18% | UHC | Aetna | 616 | |
| 14 | Vermont | $57 | +16% | UHC | Aetna | 340 | |
| 15 | Georgia | $57 | +15% | UHC | Aetna | 977 | |
| 16 | Maine | $56 | +14% | UHC | Aetna | 647 | |
| 17 | Montana | $55 | +12% | UHC | Aetna | 446 | |
| 18 | Colorado | $54 | +10% | UHC | Aetna | 944 | |
| 19 | South Dakota | $53 | +9% | UHC | Aetna | 473 | |
| 20 | North Carolina | $53 | +7% | UHC | Aetna | 1,009 | |
| 21 | Pennsylvania | $51 | +4% | UHC | Cigna | 886 | |
| 22 | Iowa | $51 | +4% | UHC | Aetna | 712 | |
| 23 | Connecticut | $50 | +2% | UHC | Aetna | 933 | |
| 24 | New Jersey | $49 | +0% | UHC | Aetna | 884 | |
| 25 | California | $49 | -0% | UHC | Aetna | 844 | |
| 26 | Illinois | $48 | -2% | UHC | BCBS | 881 | |
| 27 | Ohio | $48 | -2% | UHC | Aetna | 934 | |
| 28 | Oklahoma | $48 | -3% | UHC | Cigna | 836 | |
| 29 | Delaware | $47 | -4% | Cigna | BCBS | 459 | |
| 30 | New York | $47 | -4% | UHC | Aetna | 942 | |
| 31 | New Mexico | $47 | -4% | UHC | BCBS | 621 | |
| 32 | Virginia | $46 | -7% | UHC | Aetna | 901 | |
| 33 | Tennessee | $46 | -7% | UHC | Aetna | 942 | |
| 34 | Rhode Island | $46 | -7% | UHC | BCBS | 632 | |
| 35 | Kansas | $45 | -8% | Cigna | Aetna | 790 | |
| 36 | Missouri | $45 | -8% | UHC | Aetna | 952 | |
| 37 | Utah | $45 | -9% | UHC | Aetna | 817 | |
| 38 | Indiana | $45 | -9% | BCBS | Aetna | 962 | |
| 39 | West Virginia | $44 | -10% | UHC | BCBS | 607 | |
| 40 | Maryland | $44 | -10% | UHC | BCBS | 848 | |
| 41 | Michigan | $44 | -11% | Cigna | Aetna | 866 | |
| 42 | South Carolina | $43 | -12% | UHC | Aetna | 865 | |
| 43 | Nevada | $43 | -12% | UHC | Aetna | 776 | |
| 44 | Kentucky | $43 | -12% | UHC | Aetna | 976 | |
| 45 | Texas | $42 | -14% | UHC | BCBS | 1,020 | |
| 46 | Louisiana | $42 | -15% | UHC | Aetna | 915 | |
| 47 | Mississippi | $42 | -15% | BCBS | Aetna | 778 | |
| 48 | Florida | $41 | -17% | UHC | Aetna | 889 | |
| 49 | Arkansas | $41 | -17% | UHC | Cigna | 786 | |
| 50 | Alabama | $39 | -21% | UHC | Aetna | 950 | |
| 51 | Arizona | $38 | -23% | UHC | BCBS | 817 |
Frequently asked questions
Which payer has the highest median rate for CPT 99212?
In the files we analyzed, UnitedHealthcare, at a median of $64 across 31,635 sampled providers. Aetna is lowest at $41, 56% lower than the highest.
How does the commercial rate compare with Medicare?
The national median is 83% of the 2026 Medicare non-facility rate of $59.45.
Which state has the highest median for CPT 99212?
Alaska has the highest median at $88; Arizona has the lowest at $38.
Is this a professional fee?
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
- 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.
See how your contracts compare for CPT 99212
Benchmark your negotiated rates for 99212 and the rest of your book against these payer and state medians.