Cigna employer health plans in Indiana
Who Cigna insures among Indiana 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 Indiana at a glance
What the data shows
Cigna insures 47 employer health plans in Indiana (10% of 479 insured large plans), 4th of 8 carrier groups; Anthem (Elevance Health) (203), UnitedHealthcare (91) hold more.
Cigna has grown 15% in Indiana since 2020, from 41 plans.
Most of these plans cover 100–499 people (31 plans); 2 cover 1,000 or more.
Median premium per person covered was $4,171, 37% below the Indiana all-carrier median of $6,640. Benefit design and group mix differ, so this is not a price comparison.
81% of these plans reported broker or agent pay on their Cigna contracts; where paid, the median was 6.5% of premium (middle half 4.1%–9.9%).
In Cigna national PPO, 33 of the 50 Employer 50 services have a Indiana benchmark, at a median of 137% of Medicare across those services.
At Indiana hospitals, Cigna's commercial rates run higher than other carriers' at the same hospital for 11 of 13 services; a hip or knee replacement stay has a median rate of $48,512 across 7 hospitals.
Cigna plans in Indiana, 2020–2024
| Form year | Plans | Persons covered | Share of state | Median premium / person |
|---|---|---|---|---|
| 2020 | 41 | 18,894 | 9% | $2,495 |
| 2021 | 45 | 16,113 | 8% | $2,742 |
| 2022 | 46 | 13,688 | 9% | $3,695 |
| 2023 | 51 | 18,573 | 10% | $4,173 |
| 2024 | 47 | 14,272 | 10% | $4,171 |
| 2025 (partial) | 43 | 20,181 | 11% | $3,724 |
Plan size
| Persons covered | Plans | Share |
|---|---|---|
| Under 100 | 10 | 21% |
| 100–499 | 31 | 66% |
| 500–999 | 4 | 9% |
| 1,000–4,999 | 2 | 4% |
| 5,000 or more | 0 | 0% |
Premiums and broker pay
| Measure | Cigna | All carriers, Indiana |
|---|---|---|
| Median premium per person covered | $4,171 | $6,640 |
| Premium per person, middle half | $984–$10,247 | $3,156–$8,913 |
| Plans reporting broker or agent pay | 81% | 78% |
| Median broker pay, % of premium | 6.5% | 3.5% |
| Broker pay, middle half | 4.1%–9.9% | 2.3%–5.4% |
| Median broker pay per person covered | $299 | $202 |
Industries
Cigna's Indiana employer clients are concentrated in manufacturing (22 plans) and professional and technical services (5), followed by finance and insurance (4).
| Industry | Plans | Share |
|---|---|---|
| Manufacturing | 22 | 47% |
| Professional and technical services | 5 | 11% |
| Finance and insurance | 4 | 9% |
| Educational services | 3 | 6% |
| Construction | 2 | 4% |
| Accommodation and food services | 2 | 4% |
Cigna employer clients in Indiana
47 employers in Indiana have a Cigna major-medical contract, 2 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 Indiana
| Service | Code | Median | Middle half | % of Medicare | Other networks, median | Provider groups |
|---|---|---|---|---|---|---|
| Diagnostic heart catheterization with coronary angiography | 93458 | $439 | $369–$551 | 153% | $403 | 64 |
| Echocardiogram, transthoracic complete with Doppler | 93306 | $94 | $84–$123 | 140% | $92 | 68 |
| Electrocardiogram (EKG), complete | 93000 | $30 | $21–$38 | 196% | $21 | 71 |
| Nuclear stress test (SPECT myocardial perfusion) | 78452 | $544 | $484–$625 | 127% | $498 | 68 |
| Treadmill stress test, complete | 93015 | $133 | $98–$168 | 181% | $102 | 71 |
| Colonoscopy (diagnostic, with biopsy, with polyp removal) | 45378 | $423 | $361–$759 | 257% | $360 | 19 |
| Upper GI endoscopy (diagnostic, with biopsy) | 43239 | $347 | $273–$609 | 281% | $296 | 19 |
| Cataract removal with lens implant | 66984 | $611 | $539–$899 | 132% | $590 | 73 |
| Abdominal ultrasound, complete | 76700 | $52 | $44–$77 | 139% | $48 | 106 |
| Bone density scan (DXA), axial | 77080 | $13 | $11–$20 | 138% | $12 | 104 |
| CT abdomen and pelvis with contrast | 74177 | $116 | $96–$178 | 138% | $116 | 102 |
| CT chest without contrast | 71250 | $71 | $62–$108 | 144% | $73 | 106 |
| Chest X-ray, 2 views | 71046 | $14 | $12–$20 | 138% | $13 | 100 |
| MRI brain without and with contrast | 70553 | $149 | $127–$231 | 142% | $145 | 105 |
| MRI cervical spine without contrast | 72141 | $99 | $84–$149 | 146% | $96 | 105 |
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 Indiana
Cigna commercial rates are on record at 27 Indiana 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 11 of 13 services and lower for 0. For Emergency visit, level 4, the rate runs from $165 to $2,499 across 7 hospitals.
This page shows 3 of the 13 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) | 7 | $48,512 | $22,310–$48,512 | Higher | $40,162 |
| C-section delivery (hospital stay) | 8 | Locked | Locked | Higher | Locked |
| Vaginal delivery (hospital stay) | 6 | Locked | Locked | Higher | Locked |
| MRI, lower back | 7 | $230 | $164–$1,922 | Higher | $893 |
| CT, head | 7 | Locked | Locked | Higher | Locked |
| CT, abdomen and pelvis | 7 | Locked | Locked | Higher | Locked |
| Colonoscopy, diagnostic | 5 | Locked | Locked | Higher | Locked |
| Upper GI endoscopy with biopsy | 5 | Locked | Locked | Higher | Locked |
| Knee arthroscopy | 5 | Locked | Locked | Higher | Locked |
| Gallbladder removal, laparoscopic | 5 | Locked | Locked | Higher | Locked |
| Knee replacement, outpatient | 5 | Locked | Locked | Higher | Locked |
| Emergency visit, level 4 | 7 | $291 | $165–$2,499 | About the same | $460 |
| Complete blood count | 6 | 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 |
|---|---|---|---|---|---|---|
| Baptist Health Floyd | $22,310 | Locked | Locked | Locked | Locked | Locked |
| Community Fairbanks Recovery Center | $48,512 | Locked | Locked | Locked | Locked | Locked |
| Community Hospital Anderson | $48,512 | Locked | Locked | Locked | Locked | Locked |
| Deaconess Gibson Hospital | – | Locked | Locked | Locked | Locked | Locked |
| Deaconess Midtown Hospital | $37,173 | Locked | Locked | Locked | Locked | Locked |
| Norton Scott Hospital | – | Locked | Locked | Locked | Locked | Locked |
| Reid Health Connersville | – | Locked | Locked | Locked | Locked | Locked |
| Reid Hospital | – | Locked | Locked | Locked | Locked | Locked |
| St Mary Medical Center | – | Locked | Locked | Locked | Locked | Locked |
| The Women's Hospital | $34,363 | Locked | Locked | Locked | Locked | Locked |
How the contracts are written: case rates 16%, fee schedules 32%, per diem 1%, percent of billed charges 42%, other 9% of Cigna's published commercial rates for these services in Indiana.
Employers: see all 13 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 Indiana
| Carrier | Plans | Share | Median premium / person | Median broker % |
|---|---|---|---|---|
| Anthem (Elevance Health) | 203 | 42% | $6,944 | 2.9% |
| Other insurers (regional and local plans) | 112 | 23% | $4,715 | 7.3% |
| UnitedHealthcare | 91 | 19% | $6,390 | 3.4% |
| Cigna | 47 | 10% | $4,171 | 6.5% |
| Blue Cross Blue Shield | 24 | 5% | $7,964 | 3.1% |
| Kaiser Permanente | 14 | 3% | $7,755 | 4.0% |
| Aetna | 9 | 2% | $2,825 | 1.3% |
| Humana | 9 | 2% | $3,748 | 2.8% |
Cigna in other states
FAQ
How many Indiana employers have Cigna health insurance?
47 employer health plans in Indiana reported a Cigna major-medical contract in their 2024 filings, covering 14,272 persons. Self-funded plans that Cigna only administers are not counted.
What is Cigna's share of the Indiana insured employer market?
10% of insured large employer health plans, 4th of 8 carrier groups by plan count.
How much do brokers earn on Cigna plans in Indiana?
Where broker or agent pay was reported, the median was 6.5% of premium (3.5% across all carriers in Indiana).
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 47 Indiana 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: 42 contracts with 20+ persons covered and a reported premium; broker percentages use the 38 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 Indiana hospitals; stay and facility prices only.
- Full method and limits: how the employer health plan data is built.