Cigna employer health plans in Maine
Who Cigna insures among Maine 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 Maine at a glance
What the data shows
Cigna insures 28 employer health plans in Maine (17% of 163 insured large plans), 3rd of 7 carrier groups; Anthem (Elevance Health) (29) hold more.
Cigna has grown 47% in Maine since 2020, from 19 plans.
Most of these plans cover 100–499 people (19 plans); 2 cover 1,000 or more.
Median premium per person covered was $7,637, 4% below the Maine all-carrier median of $7,992. Benefit design and group mix differ, so this is not a price comparison.
93% of these plans reported broker or agent pay on their Cigna contracts; where paid, the median was 4.0% of premium (middle half 2.4%–4.9%).
In Cigna national PPO, 28 of the 50 Employer 50 services have a Maine benchmark, at a median of 157% of Medicare across those services.
At Maine hospitals, Cigna's commercial rates run higher than other carriers' at the same hospital for 13 of 14 services.
Cigna plans in Maine, 2020–2024
| Form year | Plans | Persons covered | Share of state | Median premium / person |
|---|---|---|---|---|
| 2020 | 19 | 4,756 | 12% | $8,320 |
| 2021 | 22 | 5,329 | 11% | $8,661 |
| 2022 | 24 | 6,953 | 14% | $7,484 |
| 2023 | 34 | 11,807 | 18% | $6,987 |
| 2024 | 28 | 10,960 | 17% | $7,637 |
| 2025 (partial) | 28 | 10,521 | 22% | $9,128 |
Plan size
| Persons covered | Plans | Share |
|---|---|---|
| Under 100 | 3 | 11% |
| 100–499 | 19 | 68% |
| 500–999 | 4 | 14% |
| 1,000–4,999 | 2 | 7% |
| 5,000 or more | 0 | 0% |
Premiums and broker pay
| Measure | Cigna | All carriers, Maine |
|---|---|---|
| Median premium per person covered | $7,637 | $7,992 |
| Premium per person, middle half | $5,791–$9,870 | $5,791–$9,948 |
| Plans reporting broker or agent pay | 93% | 94% |
| Median broker pay, % of premium | 4.0% | 3.1% |
| Broker pay, middle half | 2.4%–4.9% | 2.4%–4.1% |
| Median broker pay per person covered | $286 | $248 |
Industries
Cigna's Maine employer clients are concentrated in health care and social assistance (6 plans) and manufacturing (5), followed by finance and insurance (4).
| Industry | Plans | Share |
|---|---|---|
| Health care and social assistance | 6 | 21% |
| Manufacturing | 5 | 18% |
| Finance and insurance | 4 | 14% |
| Educational services | 3 | 11% |
| Retail trade | 3 | 11% |
| Professional and technical services | 2 | 7% |
Cigna employer clients in Maine
28 employers in Maine 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 Maine
| Service | Code | Median | Middle half | % of Medicare | Other networks, median | Provider groups |
|---|---|---|---|---|---|---|
| Diagnostic heart catheterization with coronary angiography | 93458 | $519 | $410–$624 | 181% | $446 | 48 |
| Echocardiogram, transthoracic complete with Doppler | 93306 | $115 | $100–$152 | 170% | $99 | 48 |
| Electrocardiogram (EKG), complete | 93000 | $28 | $20–$32 | 179% | $23 | 48 |
| Nuclear stress test (SPECT myocardial perfusion) | 78452 | $120 | $94–$168 | 162% | $105 | 48 |
| Treadmill stress test, complete | 93015 | $142 | $103–$166 | 193% | $101 | 49 |
| Cataract removal with lens implant | 66984 | $834 | $828–$948 | 180% | $793 | 37 |
| Abdominal ultrasound, complete | 76700 | $54 | $47–$78 | 144% | $50 | 129 |
| Bone density scan (DXA), axial | 77080 | $13 | $12–$19 | 135% | $12 | 128 |
| CT abdomen and pelvis with contrast | 74177 | $115 | $99–$165 | 137% | $114 | 128 |
| CT chest without contrast | 71250 | $69 | $59–$101 | 139% | $71 | 129 |
| Chest X-ray, 2 views | 71046 | $14 | $13–$20 | 138% | $13 | 128 |
| MRI brain without and with contrast | 70553 | $146 | $124–$212 | 139% | $147 | 129 |
| MRI cervical spine without contrast | 72141 | $96 | $82–$139 | 141% | $104 | 129 |
| MRI knee (lower-extremity joint) without contrast | 73721 | $86 | $72–$125 | 137% | $99 | 129 |
| MRI lumbar spine without contrast | 72148 | $94 | $80–$137 | 138% | $105 | 129 |
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 Maine
Cigna commercial rates are on record at 29 Maine 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 13 of 14 services and lower for 1. For MRI, lower back, the rate runs from $292 to $900 across 12 hospitals.
This page shows 2 of the 14 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 |
|---|---|---|---|---|---|
| MRI, lower back | 12 | $292 | $292–$900 | Higher | – |
| MRI, knee | 12 | Locked | Locked | Higher | Locked |
| CT, head | 12 | Locked | Locked | Higher | Locked |
| CT, abdomen and pelvis | 12 | Locked | Locked | Higher | Locked |
| Screening mammogram | 8 | Locked | Locked | Higher | Locked |
| Colonoscopy, diagnostic | 18 | Locked | Locked | Higher | Locked |
| Upper GI endoscopy with biopsy | 18 | Locked | Locked | Higher | Locked |
| Knee arthroscopy | 9 | Locked | Locked | Higher | Locked |
| Cataract surgery | 9 | Locked | Locked | Higher | Locked |
| Gallbladder removal, laparoscopic | 9 | Locked | Locked | Higher | Locked |
| Knee replacement, outpatient | 8 | Locked | Locked | Higher | Locked |
| Emergency visit, level 4 | 8 | $191 | $191–$191 | Lower | – |
| Comprehensive metabolic panel | 11 | Locked | Locked | Higher | Locked |
| Complete blood count | 11 | Locked | Locked | Higher | Locked |
Hospitals with the most published Cigna rates
| Hospital | Joint replacement | MRI lower back | CT abdomen | Colonoscopy | ER level 4 | Vaginal delivery |
|---|---|---|---|---|---|---|
| Eastern Maine Medical Center | – | Locked | Locked | Locked | Locked | Locked |
| Mid Coast Hospital | – | Locked | Locked | Locked | Locked | Locked |
| Northern Light A R Gould Hospital | – | Locked | Locked | Locked | Locked | Locked |
| Northern Light Blue Hill Memorial Hospital | – | Locked | Locked | Locked | Locked | Locked |
| Northern Light Ca Dean Hospital | – | Locked | Locked | Locked | Locked | Locked |
| Northern Light Maine Coast Hospital | – | Locked | Locked | Locked | Locked | Locked |
| Northern Light Mayo Hospital | – | Locked | Locked | Locked | Locked | Locked |
| Northern Light Mercy Hospital | – | Locked | Locked | Locked | Locked | Locked |
| Saint Marys Regional Medical Center | $25,062 | Locked | Locked | Locked | Locked | Locked |
| Sebasticook Valley Hospital | – | Locked | Locked | Locked | Locked | Locked |
How the contracts are written: case rates 8%, fee schedules 46%, per diem 0%, percent of billed charges 33%, other 14% of Cigna's published commercial rates for these services in Maine.
Employers: see all 14 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 Maine
| Carrier | Plans | Share | Median premium / person | Median broker % |
|---|---|---|---|---|
| Other insurers (regional and local plans) | 71 | 44% | $8,727 | 3.0% |
| Anthem (Elevance Health) | 29 | 18% | $8,193 | 3.2% |
| Cigna | 28 | 17% | $7,637 | 4.0% |
| Aetna | 19 | 12% | $7,214 | 3.1% |
| UnitedHealthcare | 12 | 7% | $5,997 | 3.1% |
| Blue Cross Blue Shield | 8 | 5% | $8,271 | 2.9% |
| Kaiser Permanente | 2 | 1% | $5,971 | 4.6% |
Cigna in other states
FAQ
How many Maine employers have Cigna health insurance?
28 employer health plans in Maine reported a Cigna major-medical contract in their 2024 filings, covering 10,960 persons. Self-funded plans that Cigna only administers are not counted.
What is Cigna's share of the Maine insured employer market?
17% of insured large employer health plans, 3rd of 7 carrier groups by plan count.
How much do brokers earn on Cigna plans in Maine?
Where broker or agent pay was reported, the median was 4.0% of premium (3.1% across all carriers in Maine).
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 28 Maine 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: 28 contracts with 20+ persons covered and a reported premium; broker percentages use the 26 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 Maine hospitals; stay and facility prices only.
- Full method and limits: how the employer health plan data is built.