Cigna employer health plans in Missouri
Who Cigna insures among Missouri 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 Missouri at a glance
What the data shows
Cigna insures 121 employer health plans in Missouri (19% of 626 insured large plans), 3rd of 8 carrier groups; UnitedHealthcare (157), Blue Cross Blue Shield (145) hold more.
Cigna has grown 7% in Missouri since 2020, from 113 plans.
Most of these plans cover 100–499 people (75 plans); 12 cover 1,000 or more.
Median premium per person covered was $5,157, 18% below the Missouri all-carrier median of $6,325. Benefit design and group mix differ, so this is not a price comparison.
75% of these plans reported broker or agent pay on their Cigna contracts; where paid, the median was 5.0% of premium (middle half 2.8%–9.9%).
In Cigna national PPO, 28 of the 50 Employer 50 services have a Missouri benchmark, at a median of 148% of Medicare across those services.
At Missouri hospitals, Cigna's commercial rates run higher than other carriers' at the same hospital for 15 of 17 services; a hip or knee replacement stay has a median rate of $28,812 across 7 hospitals.
Cigna plans in Missouri, 2020–2024
| Form year | Plans | Persons covered | Share of state | Median premium / person |
|---|---|---|---|---|
| 2020 | 113 | 57,033 | 15% | $1,924 |
| 2021 | 123 | 58,906 | 17% | $2,101 |
| 2022 | 128 | 68,490 | 18% | $2,562 |
| 2023 | 129 | 74,133 | 19% | $2,664 |
| 2024 | 121 | 55,511 | 19% | $5,157 |
| 2025 (partial) | 98 | 53,489 | 20% | $7,055 |
Plan size
| Persons covered | Plans | Share |
|---|---|---|
| Under 100 | 19 | 16% |
| 100–499 | 75 | 62% |
| 500–999 | 13 | 11% |
| 1,000–4,999 | 11 | 9% |
| 5,000 or more | 1 | 1% |
Premiums and broker pay
| Measure | Cigna | All carriers, Missouri |
|---|---|---|
| Median premium per person covered | $5,157 | $6,325 |
| Premium per person, middle half | $772–$10,669 | $4,007–$8,590 |
| Plans reporting broker or agent pay | 75% | 78% |
| Median broker pay, % of premium | 5.0% | 4.0% |
| Broker pay, middle half | 2.8%–9.9% | 2.8%–5.8% |
| Median broker pay per person covered | $222 | $234 |
Industries
Cigna's Missouri employer clients are concentrated in manufacturing (28 plans) and professional and technical services (13), followed by wholesale trade (13).
| Industry | Plans | Share |
|---|---|---|
| Manufacturing | 28 | 23% |
| Professional and technical services | 13 | 11% |
| Wholesale trade | 13 | 11% |
| Health care and social assistance | 11 | 9% |
| Retail trade | 11 | 9% |
| Finance and insurance | 6 | 5% |
Cigna employer clients in Missouri
119 employers in Missouri have a Cigna major-medical contract, 12 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 Missouri
| Service | Code | Median | Middle half | % of Medicare | Other networks, median | Provider groups |
|---|---|---|---|---|---|---|
| Diagnostic heart catheterization with coronary angiography | 93458 | $455 | $328–$596 | 158% | $527 | 92 |
| Echocardiogram, transthoracic complete with Doppler | 93306 | $97 | $78–$136 | 144% | $104 | 92 |
| Electrocardiogram (EKG), complete | 93000 | $24 | $18–$32 | 159% | $22 | 93 |
| Nuclear stress test (SPECT myocardial perfusion) | 78452 | $103 | $68–$135 | 138% | $95 | 92 |
| Treadmill stress test, complete | 93015 | $112 | $75–$150 | 153% | $113 | 93 |
| Cataract removal with lens implant | 66984 | $644 | $524–$961 | 139% | $652 | 78 |
| Abdominal ultrasound, complete | 76700 | $173 | $114–$217 | 152% | $147 | 130 |
| Bone density scan (DXA), axial | 77080 | $67 | $42–$104 | 169% | $52 | 130 |
| CT abdomen and pelvis with contrast | 74177 | $116 | $82–$165 | 139% | $115 | 129 |
| CT chest without contrast | 71250 | $68 | $50–$99 | 139% | $72 | 129 |
| Chest X-ray, 2 views | 71046 | $15 | $10–$20 | 152% | $13 | 127 |
| MRI brain without and with contrast | 70553 | $149 | $103–$204 | 141% | $168 | 129 |
| MRI cervical spine without contrast | 72141 | $99 | $67–$136 | 146% | $111 | 129 |
| MRI knee (lower-extremity joint) without contrast | 73721 | $87 | $61–$124 | 138% | $102 | 129 |
| MRI lumbar spine without contrast | 72148 | $96 | $67–$136 | 140% | $112 | 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 Missouri
Cigna commercial rates are on record at 30 Missouri 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 15 of 17 services and lower for 1. For Emergency visit, level 4, the rate runs from $104 to $4,986 across 7 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) | 7 | $28,812 | $2,430–$28,812 | Higher | – |
| C-section delivery (hospital stay) | 8 | Locked | Locked | Higher | Locked |
| Vaginal delivery (hospital stay) | 8 | Locked | Locked | Higher | Locked |
| MRI, lower back | 6 | $324 | $169–$324 | Higher | $12,717 |
| MRI, knee | 7 | Locked | Locked | Higher | Locked |
| CT, head | 7 | Locked | Locked | Lower | Locked |
| CT, abdomen and pelvis | 7 | Locked | Locked | Higher | Locked |
| Screening mammogram | 15 | Locked | Locked | Higher | Locked |
| Colonoscopy, diagnostic | 13 | Locked | Locked | Higher | Locked |
| Upper GI endoscopy with biopsy | 13 | Locked | Locked | Higher | Locked |
| Knee arthroscopy | 7 | Locked | Locked | Higher | Locked |
| Cataract surgery | 7 | Locked | Locked | Higher | Locked |
| Gallbladder removal, laparoscopic | 7 | Locked | Locked | Higher | Locked |
| Knee replacement, outpatient | 6 | Locked | Locked | About the same | Locked |
| Emergency visit, level 4 | 7 | $4,986 | $104–$4,986 | Higher | $4,208 |
| Comprehensive metabolic panel | 14 | Locked | Locked | Higher | Locked |
| Complete blood count | 13 | 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 |
|---|---|---|---|---|---|---|
| Barnes-jewish Hospital | – | Locked | Locked | Locked | Locked | Locked |
| Barnes-jewish St. Peters Hospital | – | Locked | Locked | Locked | Locked | Locked |
| Belton Regional Medical Center | $28,812 | Locked | Locked | Locked | Locked | Locked |
| Centerpoint Medical Center | $28,812 | Locked | Locked | Locked | Locked | Locked |
| Community Hospital Fairfax | – | Locked | Locked | Locked | Locked | Locked |
| Harrison County Community Hospital | – | Locked | Locked | Locked | Locked | Locked |
| Lee's Summit Medical Center | $28,812 | Locked | Locked | Locked | Locked | Locked |
| Mercy Hospital Stoddard | $17,179 | Locked | Locked | Locked | Locked | Locked |
| Research Medical Center | $28,812 | Locked | Locked | Locked | Locked | Locked |
| Ssm Health St. Mary's Hospital - Jefferson City | $20,793 | Locked | Locked | Locked | Locked | Locked |
How the contracts are written: case rates 22%, fee schedules 55%, per diem 2%, percent of billed charges 21%, other 1% of Cigna's published commercial rates for these services in Missouri.
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 Missouri
| Carrier | Plans | Share | Median premium / person | Median broker % |
|---|---|---|---|---|
| UnitedHealthcare | 157 | 25% | $5,574 | 3.9% |
| Blue Cross Blue Shield | 145 | 23% | $7,522 | 4.0% |
| Cigna | 121 | 19% | $5,157 | 5.0% |
| Anthem (Elevance Health) | 109 | 17% | $6,692 | 3.2% |
| Other insurers (regional and local plans) | 72 | 12% | $5,490 | 9.4% |
| Aetna | 39 | 6% | $6,079 | 4.1% |
| Kaiser Permanente | 39 | 6% | $9,730 | 3.5% |
| Humana | 18 | 3% | $2,806 | 7.3% |
Cigna in other states
FAQ
How many Missouri employers have Cigna health insurance?
121 employer health plans in Missouri reported a Cigna major-medical contract in their 2024 filings, covering 55,511 persons. Self-funded plans that Cigna only administers are not counted.
What is Cigna's share of the Missouri insured employer market?
19% of insured large employer health plans, 3rd of 8 carrier groups by plan count.
How much do brokers earn on Cigna plans in Missouri?
Where broker or agent pay was reported, the median was 5.0% of premium (4.0% across all carriers in Missouri).
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 121 Missouri 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: 110 contracts with 20+ persons covered and a reported premium; broker percentages use the 90 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 Missouri hospitals; stay and facility prices only.
- Full method and limits: how the employer health plan data is built.