Cigna employer health plans in Georgia
Who Cigna insures among Georgia employers and what those plans pay in premium and broker compensation, and what the Cigna network pays physicians and hospitals.
Cigna employer health plans in Georgia at a glance
What the data shows
Cigna is the largest insurer of employer health plans in Georgia: 425 plans held a Cigna major-medical contract in form year 2024, 37% of the state's 1,160 insured large plans, ahead of Blue Cross Blue Shield with 254.
Cigna has grown 14% in Georgia since 2020, from 373 plans.
Most of these plans cover 100–499 people (267 plans); 45 cover 1,000 or more.
Median premium per person covered was $3,974, 31% below the Georgia all-carrier median of $5,782. Benefit design and group mix differ, so this is not a price comparison.
92% of these plans reported broker or agent pay on their Cigna contracts; where paid, the median was 7.1% of premium (middle half 5.0%–12.1%).
In Cigna national PPO, 34 of the 50 Employer 50 services have a Georgia benchmark, at a median of 192% of Medicare across those services.
At Georgia hospitals, Cigna's commercial rates run higher than other carriers' at the same hospital for 9 of 17 services; a hip or knee replacement stay has a median rate of $37,652 across 21 hospitals.
Cigna plans in Georgia, 2020–2024
| Form year | Plans | Persons covered | Share of state | Median premium / person |
|---|---|---|---|---|
| 2020 | 373 | 261,405 | 31% | $4,173 |
| 2021 | 382 | 254,416 | 30% | $4,612 |
| 2022 | 386 | 253,858 | 32% | $4,096 |
| 2023 | 406 | 260,565 | 33% | $4,520 |
| 2024 | 425 | 238,018 | 37% | $3,974 |
| 2025 (partial) | 301 | 205,493 | 38% | $3,419 |
Plan size
| Persons covered | Plans | Share |
|---|---|---|
| Under 100 | 56 | 13% |
| 100–499 | 267 | 63% |
| 500–999 | 56 | 13% |
| 1,000–4,999 | 39 | 9% |
| 5,000 or more | 6 | 1% |
Premiums and broker pay
| Measure | Cigna | All carriers, Georgia |
|---|---|---|
| Median premium per person covered | $3,974 | $5,782 |
| Premium per person, middle half | $1,570–$8,846 | $2,168–$8,464 |
| Plans reporting broker or agent pay | 92% | 81% |
| Median broker pay, % of premium | 7.1% | 5.3% |
| Broker pay, middle half | 5.0%–12.1% | 3.7%–9.2% |
| Median broker pay per person covered | $399 | $303 |
Industries
Cigna's Georgia employer clients are concentrated in professional and technical services (82 plans) and manufacturing (73), followed by health care and social assistance (42).
| Industry | Plans | Share |
|---|---|---|
| Professional and technical services | 82 | 19% |
| Manufacturing | 73 | 17% |
| Health care and social assistance | 42 | 10% |
| Wholesale trade | 40 | 9% |
| Construction | 33 | 8% |
| Retail trade | 22 | 5% |
Cigna employer clients in Georgia
416 employers in Georgia have a Cigna major-medical contract, 45 of them covering 1,000 or more people. For each one Medlyze has the plan year, the broker on each contract and what that broker was paid, and compiles the list for a state, an industry or a single employer on request.
| Employer | Persons covered | Plan year ends | Broker | Broker pay, % of premium |
|---|---|---|---|---|
| Employer name | Locked | Locked | Locked | Locked |
| Employer name | Locked | Locked | Locked | Locked |
| Employer name | Locked | Locked | Locked | Locked |
What the Cigna network pays physicians in Georgia
| Service | Code | Median | Middle half | % of Medicare | Other networks, median | Provider groups |
|---|---|---|---|---|---|---|
| Diagnostic heart catheterization with coronary angiography | 93458 | $605 | $461–$845 | 211% | $534 | 67 |
| Echocardiogram, transthoracic complete with Doppler | 93306 | $134 | $103–$187 | 199% | $113 | 67 |
| Electrocardiogram (EKG), complete | 93000 | $36 | $25–$50 | 233% | $25 | 67 |
| Nuclear stress test (SPECT myocardial perfusion) | 78452 | $137 | $104–$179 | 184% | $104 | 67 |
| Treadmill stress test, complete | 93015 | $176 | $115–$228 | 239% | $137 | 67 |
| Skin biopsy, single lesion (tangential) | 11102 | $188 | $188–$253 | 197% | $173 | 14 |
| Colonoscopy (diagnostic, with biopsy, with polyp removal) | 45378 | $428 | $428–$620 | 260% | $454 | 17 |
| Upper GI endoscopy (diagnostic, with biopsy) | 43235 | $285 | $275–$448 | 258% | $244 | 17 |
| Cataract removal with lens implant | 66984 | $971 | $671–$1,241 | 210% | $826 | 68 |
| Abdominal ultrasound, complete | 76700 | $70 | $45–$93 | 188% | $62 | 128 |
| Bone density scan (DXA), axial | 77080 | $17 | $11–$24 | 185% | $15 | 126 |
| CT abdomen and pelvis with contrast | 74177 | $159 | $99–$215 | 190% | $145 | 126 |
| CT chest without contrast | 71250 | $100 | $60–$135 | 203% | $90 | 128 |
| Chest X-ray, 2 views | 71046 | $19 | $12–$26 | 185% | $16 | 122 |
| MRI brain without and with contrast | 70553 | $206 | $123–$281 | 196% | $186 | 128 |
Professional fee only: facility, implant and anesthesia charges are not included. Limited: rates come from a sample of providers, and groups are counted only in specialties that perform the service.
What the Cigna network pays hospitals in Georgia
Cigna commercial rates are on record at 30 Georgia hospitals (the hospitals covered so far, not every hospital). Compared at the same hospitals, Cigna's rate is higher than the other carriers' median for 9 of 17 services and lower for 6. For Emergency visit, level 4, the rate runs from $154 to $2,598 across 10 hospitals.
This page shows 3 of the 17 services in full. The other rates, the size of each gap and every hospital's prices are in the Plan Cost Benchmark.
| Service | Hospitals | Median rate | Range (P10–P90) | vs other carriers, same hospitals | Cash price, median |
|---|---|---|---|---|---|
| Hip or knee replacement (hospital stay) | 21 | $37,652 | $24,553–$75,616 | Higher | – |
| C-section delivery (hospital stay) | 21 | Locked | Locked | Higher | Locked |
| Vaginal delivery (hospital stay) | 22 | Locked | Locked | Higher | Locked |
| MRI, lower back | 13 | $342 | $156–$950 | Lower | $1,782 |
| MRI, knee | 13 | Locked | Locked | Lower | Locked |
| CT, head | 13 | Locked | Locked | Lower | Locked |
| CT, abdomen and pelvis | 13 | Locked | Locked | Lower | Locked |
| Screening mammogram | 8 | Locked | Locked | Higher | Locked |
| Colonoscopy, diagnostic | 25 | Locked | Locked | Higher | Locked |
| Upper GI endoscopy with biopsy | 23 | Locked | Locked | Higher | Locked |
| Knee arthroscopy | 22 | Locked | Locked | Higher | Locked |
| Cataract surgery | 22 | Locked | Locked | Higher | Locked |
| Gallbladder removal, laparoscopic | 18 | Locked | Locked | Higher | Locked |
| Knee replacement, outpatient | 10 | Locked | Locked | Lower | Locked |
| Emergency visit, level 4 | 10 | $1,095 | $154–$2,598 | Lower | $1,791 |
| Comprehensive metabolic panel | 20 | Locked | Locked | About the same | Locked |
| Complete blood count | 20 | Locked | Locked | About the same | Locked |
Hospitals with the most published Cigna rates
| Hospital | Joint replacement | MRI lower back | CT abdomen | Colonoscopy | ER level 4 | Vaginal delivery |
|---|---|---|---|---|---|---|
| Atrium Health Navicent Baldwin | – | Locked | Locked | Locked | Locked | Locked |
| Atrium Health Navicent The Medical Center | $22,004 | Locked | Locked | Locked | Locked | Locked |
| Chi Memorial Hospital Georgia | $20,666 | Locked | Locked | Locked | Locked | Locked |
| Colquitt Regional Medical Center | $42,622 | Locked | Locked | Locked | Locked | Locked |
| St Francis Emory Healthcare | $24,553 | Locked | Locked | Locked | Locked | Locked |
| Wellstar Cobb Medical Center | $75,616 | Locked | Locked | Locked | Locked | Locked |
| Wellstar Douglas Medical Center | $75,616 | Locked | Locked | Locked | Locked | Locked |
| Wellstar North Fulton Medical Center | $75,616 | Locked | Locked | Locked | Locked | Locked |
| Wellstar Sylvan Grove Medical Center | $75,616 | Locked | Locked | Locked | Locked | Locked |
| Wellstar West Georgia Medical Center | $75,616 | Locked | Locked | Locked | Locked | Locked |
How the contracts are written: case rates 60%, fee schedules 18%, per diem 3%, percent of billed charges 16%, other 3% of Cigna's published commercial rates for these services in Georgia.
Employers: see all 17 services and every hospital near your people in a Plan Cost Benchmark →
Hospital facility rate only: physician, anesthesia and implant charges are separate. Rates are what hospitals publish, not claims paid, and are not weighted by use.
Carriers in Georgia
| Carrier | Plans | Share | Median premium / person | Median broker % |
|---|---|---|---|---|
| Cigna | 425 | 37% | $3,974 | 7.1% |
| Blue Cross Blue Shield | 254 | 22% | $6,477 | 4.5% |
| UnitedHealthcare | 209 | 18% | $5,782 | 5.4% |
| Other insurers (regional and local plans) | 169 | 15% | $2,801 | 6.6% |
| Kaiser Permanente | 140 | 12% | $7,879 | 4.5% |
| Aetna | 116 | 10% | $5,943 | 1.9% |
| Anthem (Elevance Health) | 25 | 2% | $3,617 | 5.2% |
| Humana | 6 | 1% | $1,848 | 6.8% |
Cigna in other states
FAQ
How many Georgia employers have Cigna health insurance?
425 employer health plans in Georgia reported a Cigna major-medical contract in their 2024 filings, covering 238,018 persons. Self-funded plans that Cigna only administers are not counted.
What is Cigna's share of the Georgia insured employer market?
37% of insured large employer health plans, 1st of 8 carrier groups by plan count.
How much do brokers earn on Cigna plans in Georgia?
Where broker or agent pay was reported, the median was 7.1% of premium (5.3% across all carriers in Georgia).
Can I see the figures for a specific employer?
Yes. Brokers can request an Employer Account Brief on one employer, or a Prospect List for this market. Employers can request a Plan Cost Benchmark for their own plan. Use the request form on this page.
About these numbers
- Plans counted: the 425 Georgia employer health plans with a Cigna major-medical contract in their 2024 filings. Self-funded plans that Cigna only administers are not counted here.
- Premium and broker figures: 402 contracts with 20+ persons covered and a reported premium; broker percentages use the 389 contracts that reported broker or agent pay.
- Network rates: Cigna national PPO, professional fees only, from a sample of providers.
- Hospital prices: Cigna commercial rates at Georgia hospitals; stay and facility prices only.
- Full method and limits: how the employer health plan data is built.