Cigna employer health plans in Kentucky
Who Cigna insures among Kentucky 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 Kentucky at a glance
What the data shows
Cigna insures 26 employer health plans in Kentucky (6% of 410 insured large plans), 4th of 8 carrier groups; Anthem (Elevance Health) (256), UnitedHealthcare (56) hold more.
Cigna has grown 117% in Kentucky since 2020, from 12 plans.
Most of these plans cover 100–499 people (17 plans); 3 cover 1,000 or more.
Median premium per person covered was $2,076, 65% below the Kentucky all-carrier median of $5,940. Benefit design and group mix differ, so this is not a price comparison.
85% of these plans reported broker or agent pay on their Cigna contracts; where paid, the median was 6.2% of premium (middle half 3.2%–10.2%).
In Cigna national PPO, 33 of the 50 Employer 50 services have a Kentucky benchmark, at a median of 152% of Medicare across those services.
At Kentucky hospitals, Cigna's commercial rates run higher than other carriers' at the same hospital for 10 of 11 services; a hip or knee replacement stay has a median rate of $31,590 across 8 hospitals.
Cigna plans in Kentucky, 2020–2024
| Form year | Plans | Persons covered | Share of state | Median premium / person |
|---|---|---|---|---|
| 2020 | 12 | 6,598 | 3% | $2,934 |
| 2021 | 11 | 5,732 | 3% | $6,538 |
| 2022 | 12 | 5,308 | 3% | $1,590 |
| 2023 | 19 | 6,239 | 4% | $1,941 |
| 2024 | 26 | 11,756 | 6% | $2,076 |
| 2025 (partial) | 14 | 8,333 | 5% | $2,829 |
Plan size
| Persons covered | Plans | Share |
|---|---|---|
| Under 100 | 4 | 15% |
| 100–499 | 17 | 65% |
| 500–999 | 2 | 8% |
| 1,000–4,999 | 3 | 12% |
| 5,000 or more | 0 | 0% |
Premiums and broker pay
| Measure | Cigna | All carriers, Kentucky |
|---|---|---|
| Median premium per person covered | $2,076 | $5,940 |
| Premium per person, middle half | $942–$8,965 | $3,506–$7,835 |
| Plans reporting broker or agent pay | 85% | 89% |
| Median broker pay, % of premium | 6.2% | 3.1% |
| Broker pay, middle half | 3.2%–10.2% | 2.3%–4.6% |
| Median broker pay per person covered | $107 | $174 |
Industries
Cigna's Kentucky employer clients are concentrated in manufacturing (7 plans) and wholesale trade (4), followed by health care and social assistance (3).
| Industry | Plans | Share |
|---|---|---|
| Manufacturing | 7 | 27% |
| Wholesale trade | 4 | 15% |
| Health care and social assistance | 3 | 12% |
| Construction | 2 | 8% |
| Accommodation and food services | 2 | 8% |
| Finance and insurance | 2 | 8% |
Cigna employer clients in Kentucky
26 employers in Kentucky have a Cigna major-medical contract, 3 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 Kentucky
| Service | Code | Median | Middle half | % of Medicare | Other networks, median | Provider groups |
|---|---|---|---|---|---|---|
| Diagnostic heart catheterization with coronary angiography | 93458 | $427 | $278–$516 | 149% | $375 | 78 |
| Echocardiogram, transthoracic complete with Doppler | 93306 | $108 | $78–$202 | 160% | $91 | 96 |
| Electrocardiogram (EKG), complete | 93000 | $23 | $14–$30 | 149% | $22 | 80 |
| Nuclear stress test (SPECT myocardial perfusion) | 78452 | $108 | $72–$215 | 146% | $87 | 96 |
| Treadmill stress test, complete | 93015 | $106 | $69–$144 | 145% | $99 | 80 |
| Colonoscopy (diagnostic, with biopsy, with polyp removal) | 45378 | $424 | $366–$775 | 258% | $332 | 12 |
| Upper GI endoscopy (diagnostic, with biopsy) | 43239 | $308 | $280–$540 | 249% | $234 | 11 |
| Cataract removal with lens implant | 66984 | $551 | $502–$818 | 119% | $624 | 58 |
| Abdominal ultrasound, complete | 76700 | $69 | $50–$101 | 185% | $45 | 140 |
| Bone density scan (DXA), axial | 77080 | $18 | $12–$26 | 189% | $11 | 138 |
| CT abdomen and pelvis with contrast | 74177 | $157 | $108–$232 | 187% | $106 | 136 |
| CT chest without contrast | 71250 | $93 | $66–$141 | 189% | $66 | 140 |
| Chest X-ray, 2 views | 71046 | $18 | $13–$28 | 182% | $12 | 131 |
| MRI brain without and with contrast | 70553 | $199 | $138–$303 | 189% | $135 | 140 |
| MRI cervical spine without contrast | 72141 | $130 | $91–$196 | 191% | $92 | 140 |
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 Kentucky
Cigna commercial rates are on record at 19 Kentucky 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 10 of 11 services and lower for 0. For Emergency visit, level 4, the rate runs from $133 to $1,471 across 5 hospitals.
This page shows 3 of the 11 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) | 8 | $31,590 | $15,730–$42,047 | Higher | – |
| C-section delivery (hospital stay) | 8 | Locked | Locked | Higher | Locked |
| Vaginal delivery (hospital stay) | 8 | Locked | Locked | Higher | Locked |
| MRI, lower back | 6 | $1,216 | $230–$2,305 | Higher | $829 |
| MRI, knee | 6 | Locked | Locked | Higher | Locked |
| CT, head | 6 | Locked | Locked | Higher | Locked |
| CT, abdomen and pelvis | 6 | Locked | Locked | Higher | Locked |
| Upper GI endoscopy with biopsy | 7 | Locked | Locked | About the same | Locked |
| Knee arthroscopy | 5 | Locked | Locked | Higher | Locked |
| Gallbladder removal, laparoscopic | 5 | Locked | Locked | Higher | Locked |
| Emergency visit, level 4 | 5 | $803 | $133–$1,471 | Higher | $760 |
Hospitals with the most published Cigna rates
| Hospital | Joint replacement | MRI lower back | CT abdomen | Colonoscopy | ER level 4 | Vaginal delivery |
|---|---|---|---|---|---|---|
| Baptist Health La Grange | $41,203 | Locked | Locked | Locked | Locked | Locked |
| Chi Saint Joseph Health Flaget Memorial Hospital | – | Locked | Locked | Locked | Locked | Locked |
| Deaconess Henderson Hospital | $38,028 | Locked | Locked | Locked | Locked | Locked |
| Deaconess Union County Hospital | – | Locked | Locked | Locked | Locked | Locked |
| Frankfort Regional Medical Center | $42,047 | Locked | Locked | Locked | Locked | Locked |
| Marshall County Surgical & Medical Group | – | Locked | Locked | Locked | Locked | Locked |
| Norton Audubon Hospital | $19,126 | Locked | Locked | Locked | Locked | Locked |
| Saint Joseph Berea | – | Locked | Locked | Locked | Locked | Locked |
| Saint Joseph East | $15,730 | Locked | Locked | Locked | Locked | Locked |
| Tristar Greenview Regional Hospital | $42,047 | Locked | Locked | Locked | Locked | Locked |
How the contracts are written: case rates 32%, fee schedules 23%, per diem 1%, percent of billed charges 37%, other 7% of Cigna's published commercial rates for these services in Kentucky.
Employers: see all 11 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 Kentucky
| Carrier | Plans | Share | Median premium / person | Median broker % |
|---|---|---|---|---|
| Anthem (Elevance Health) | 256 | 62% | $6,062 | 2.8% |
| UnitedHealthcare | 56 | 14% | $5,672 | 3.0% |
| Other insurers (regional and local plans) | 34 | 8% | $1,459 | 8.9% |
| Cigna | 26 | 6% | $2,076 | 6.2% |
| Humana | 26 | 6% | $6,065 | 4.6% |
| Blue Cross Blue Shield | 17 | 4% | $6,275 | 4.9% |
| Kaiser Permanente | 11 | 3% | $7,282 | 2.3% |
| Aetna | 8 | 2% | $6,446 | 3.0% |
Cigna in other states
FAQ
How many Kentucky employers have Cigna health insurance?
26 employer health plans in Kentucky reported a Cigna major-medical contract in their 2024 filings, covering 11,756 persons. Self-funded plans that Cigna only administers are not counted.
What is Cigna's share of the Kentucky insured employer market?
6% of insured large employer health plans, 4th of 8 carrier groups by plan count.
How much do brokers earn on Cigna plans in Kentucky?
Where broker or agent pay was reported, the median was 6.2% of premium (3.1% across all carriers in Kentucky).
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 26 Kentucky 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: 24 contracts with 20+ persons covered and a reported premium; broker percentages use the 22 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 Kentucky hospitals; stay and facility prices only.
- Full method and limits: how the employer health plan data is built.