Cigna employer health plans in Tennessee
Who Cigna insures among Tennessee 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 Tennessee at a glance
What the data shows
Cigna insures 228 employer health plans in Tennessee (25% of 913 insured large plans), 2nd of 8 carrier groups; Blue Cross Blue Shield (530) hold more.
Cigna has grown 15% in Tennessee since 2020, from 198 plans.
Most of these plans cover 100–499 people (137 plans); 26 cover 1,000 or more.
Median premium per person covered was $4,297, 18% below the Tennessee all-carrier median of $5,257. Benefit design and group mix differ, so this is not a price comparison.
88% of these plans reported broker or agent pay on their Cigna contracts; where paid, the median was 5.4% of premium (middle half 3.5%–10.0%).
In Cigna national PPO, 31 of the 50 Employer 50 services have a Tennessee benchmark, at a median of 159% of Medicare across those services.
At Tennessee hospitals, Cigna's commercial rates run higher than other carriers' at the same hospital for 14 of 17 services; a hip or knee replacement stay has a median rate of $21,031 across 20 hospitals.
Cigna plans in Tennessee, 2020–2024
| Form year | Plans | Persons covered | Share of state | Median premium / person |
|---|---|---|---|---|
| 2020 | 198 | 318,068 | 21% | $2,707 |
| 2021 | 210 | 371,302 | 23% | $4,457 |
| 2022 | 223 | 482,543 | 24% | $4,136 |
| 2023 | 244 | 512,781 | 26% | $4,100 |
| 2024 | 228 | 147,251 | 25% | $4,297 |
| 2025 (partial) | 172 | 110,075 | 28% | $2,896 |
Plan size
| Persons covered | Plans | Share |
|---|---|---|
| Under 100 | 29 | 13% |
| 100–499 | 137 | 60% |
| 500–999 | 36 | 16% |
| 1,000–4,999 | 22 | 10% |
| 5,000 or more | 4 | 2% |
Premiums and broker pay
| Measure | Cigna | All carriers, Tennessee |
|---|---|---|
| Median premium per person covered | $4,297 | $5,257 |
| Premium per person, middle half | $1,287–$8,212 | $3,233–$7,175 |
| Plans reporting broker or agent pay | 88% | 84% |
| Median broker pay, % of premium | 5.4% | 5.0% |
| Broker pay, middle half | 3.5%–10.0% | 3.5%–6.0% |
| Median broker pay per person covered | $287 | $244 |
Industries
Cigna's Tennessee employer clients are concentrated in manufacturing (37 plans) and health care and social assistance (36), followed by professional and technical services (30).
| Industry | Plans | Share |
|---|---|---|
| Manufacturing | 37 | 16% |
| Health care and social assistance | 36 | 16% |
| Professional and technical services | 30 | 13% |
| Educational services | 17 | 7% |
| Wholesale trade | 15 | 7% |
| Retail trade | 15 | 7% |
Cigna employer clients in Tennessee
222 employers in Tennessee have a Cigna major-medical contract, 26 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 Tennessee
| Service | Code | Median | Middle half | % of Medicare | Other networks, median | Provider groups |
|---|---|---|---|---|---|---|
| Diagnostic heart catheterization with coronary angiography | 93458 | $422 | $357–$540 | 147% | $417 | 78 |
| Echocardiogram, transthoracic complete with Doppler | 93306 | $101 | $90–$135 | 150% | $92 | 79 |
| Electrocardiogram (EKG), complete | 93000 | $22 | $19–$33 | 146% | $25 | 78 |
| Nuclear stress test (SPECT myocardial perfusion) | 78452 | $84 | $65–$125 | 113% | $94 | 79 |
| Treadmill stress test, complete | 93015 | $106 | $85–$143 | 144% | $108 | 78 |
| Colonoscopy (diagnostic, with biopsy, with polyp removal) | 45378 | $520 | $429–$669 | 316% | $371 | 14 |
| Upper GI endoscopy (diagnostic, with biopsy) | 43235 | $354 | $261–$498 | 321% | $253 | 14 |
| Cataract removal with lens implant | 66984 | $525 | $450–$662 | 114% | $650 | 81 |
| Abdominal ultrasound, complete | 76700 | $61 | $48–$85 | 163% | $55 | 125 |
| Bone density scan (DXA), axial | 77080 | $15 | $12–$22 | 166% | $14 | 124 |
| CT abdomen and pelvis with contrast | 74177 | $151 | $115–$198 | 181% | $123 | 123 |
| CT chest without contrast | 71250 | $88 | $66–$117 | 177% | $77 | 125 |
| Chest X-ray, 2 views | 71046 | $16 | $13–$23 | 163% | $15 | 117 |
| MRI brain without and with contrast | 70553 | $179 | $142–$244 | 170% | $173 | 125 |
| MRI cervical spine without contrast | 72141 | $118 | $94–$161 | 173% | $117 | 125 |
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 Tennessee
Cigna commercial rates are on record at 40 Tennessee 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 14 of 17 services and lower for 3. For Emergency visit, level 4, the rate runs from $362 to $2,914 across 27 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) | 20 | $21,031 | $17,837–$34,118 | Higher | – |
| C-section delivery (hospital stay) | 30 | Locked | Locked | Higher | Locked |
| Vaginal delivery (hospital stay) | 30 | Locked | Locked | Higher | Locked |
| MRI, lower back | 18 | $454 | $229–$561 | Higher | $728 |
| MRI, knee | 18 | Locked | Locked | Higher | Locked |
| CT, head | 20 | Locked | Locked | Higher | Locked |
| CT, abdomen and pelvis | 20 | Locked | Locked | Lower | Locked |
| Screening mammogram | 27 | Locked | Locked | Lower | Locked |
| Colonoscopy, diagnostic | 28 | Locked | Locked | Higher | Locked |
| Upper GI endoscopy with biopsy | 26 | Locked | Locked | Higher | Locked |
| Knee arthroscopy | 25 | Locked | Locked | Higher | Locked |
| Cataract surgery | 24 | Locked | Locked | Higher | Locked |
| Gallbladder removal, laparoscopic | 25 | Locked | Locked | Higher | Locked |
| Knee replacement, outpatient | 26 | Locked | Locked | Higher | Locked |
| Emergency visit, level 4 | 27 | $1,216 | $362–$2,914 | Lower | $310 |
| Comprehensive metabolic panel | 27 | Locked | Locked | Higher | Locked |
| Complete blood count | 27 | 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 |
|---|---|---|---|---|---|---|
| Ascension Saint Thomas Hickman | $21,455 | Locked | Locked | Locked | Locked | Locked |
| Chi Memorial Hospital Chattanooga | $20,666 | Locked | Locked | Locked | Locked | Locked |
| Chi Memorial Hospital Hixson | $20,666 | Locked | Locked | Locked | Locked | Locked |
| Claiborne Medical Center | – | Locked | Locked | Locked | Locked | Locked |
| Cumberland Medical Center | – | Locked | Locked | Locked | Locked | Locked |
| Fort Loudoun Medical Center | – | Locked | Locked | Locked | Locked | Locked |
| Vanderbilt Bedford Hospital | $38,723 | Locked | Locked | Locked | Locked | Locked |
| Vanderbilt Tullahoma-harton Hospital | $38,723 | Locked | Locked | Locked | Locked | Locked |
| Vanderbilt University Medical Center | $34,118 | Locked | Locked | Locked | Locked | Locked |
| Vanderbilt Wilson County Hospital | $29,609 | Locked | Locked | Locked | Locked | Locked |
How the contracts are written: case rates 19%, fee schedules 66%, per diem 7%, percent of billed charges 7%, other 1% of Cigna's published commercial rates for these services in Tennessee.
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 Tennessee
| Carrier | Plans | Share | Median premium / person | Median broker % |
|---|---|---|---|---|
| Blue Cross Blue Shield | 530 | 58% | $5,334 | 4.9% |
| Cigna | 228 | 25% | $4,297 | 5.4% |
| UnitedHealthcare | 98 | 11% | $5,450 | 5.2% |
| Other insurers (regional and local plans) | 62 | 7% | $1,064 | 6.6% |
| Aetna | 35 | 4% | $4,432 | 4.5% |
| Kaiser Permanente | 34 | 4% | $10,471 | 3.1% |
| Humana | 5 | 1% | $2,553 | 1.0% |
| Anthem (Elevance Health) | 4 | 0% | $7,508 | 2.1% |
Cigna in other states
FAQ
How many Tennessee employers have Cigna health insurance?
228 employer health plans in Tennessee reported a Cigna major-medical contract in their 2024 filings, covering 147,251 persons. Self-funded plans that Cigna only administers are not counted.
What is Cigna's share of the Tennessee insured employer market?
25% of insured large employer health plans, 2nd of 8 carrier groups by plan count.
How much do brokers earn on Cigna plans in Tennessee?
Where broker or agent pay was reported, the median was 5.4% of premium (5.0% across all carriers in Tennessee).
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 228 Tennessee 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: 223 contracts with 20+ persons covered and a reported premium; broker percentages use the 201 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 Tennessee hospitals; stay and facility prices only.
- Full method and limits: how the employer health plan data is built.