Aetna negotiated rates in Indiana
How Aetna's Indiana rates compare with the other three national payers, across the procedures that matter most to high-revenue specialties.
Aetna in Indiana at a glance
What the data shows
Aetna ranks 4th of 4 payers in Indiana with a rate index of 78 (100 = the Indiana market median), across 228 procedure codes.
Aetna has the highest median for only 1% of codes in Indiana; UnitedHealthcare leads with an index of 117 in the files analyzed.
Aetna's Indiana rates sit 20% below its own national level, the 51st highest of its 51 states.
Largest premium over the Indiana market: CPT 88313 (Special stains group 2) at 134% of market; largest discount: CPT 72141 (Mri neck spine w/o dye) at 46%.
How the four payers compare in Indiana
| Payer | Index | Rank | Level | Highest on | Providers |
|---|---|---|---|---|---|
| UnitedHealthcare | 117 | 1 | 61% | 805 | |
| Cigna | 103 | 2 | 17% | 812 | |
| Blue Cross Blue Shield | 100 | 3 | 21% | 912 | |
| Aetna | 78 | 4 | 1% | 698 |
Where Aetna pays most and least against the Indiana market
Highest above market
| Code | Aetna | Market | Gap | Prov. |
|---|---|---|---|---|
| 88313 Special stains group 2 | $62 | $46 | +34% | 41 |
| 88312 Special stains group 1 | $86 | $64 | +34% | 116 |
| 88342 Imhchem/imcytchm 1st antb | $85 | $64 | +33% | 76 |
| 96910 Photchmtx tar&uvb/ptrltm&uvb | $108 | $91 | +18% | 53 |
| 77280 Ther rad simulaj field smpl | $278 | $239 | +16% | 52 |
| 68761 Close tear duct opening | $137 | $131 | +5% | 80 |
| 73630 X-ray exam of foot | $37 | $35 | +5% | 85 |
| 72100 X-ray exam l-s spine 2/3 vws | $43 | $41 | +3% | 85 |
Furthest below market
| Code | Aetna | Market | Gap | Prov. |
|---|---|---|---|---|
| 72141 Mri neck spine w/o dye | $196 | $428 | -54% | 105 |
| 70551 Mri brain stem w/o dye | $201 | $420 | -52% | 106 |
| 72148 Mri lumbar spine w/o dye | $196 | $404 | -52% | 180 |
| 45384 Colonoscopy w/lesion removal | $233 | $475 | -51% | 47 |
| 77080 Dxa bone density axial | $34 | $68 | -50% | 104 |
| 73721 Mri jnt of lwr extre w/o dye | $207 | $412 | -50% | 178 |
| 73221 Mri joint upr extrem w/o dye | $208 | $412 | -50% | 179 |
| 43239 Egd biopsy single/multiple | $180 | $356 | -49% | 70 |
Where Aetna pays above and below its national level
Highest states
| State | Index | Prov. | |
|---|---|---|---|
| Alaska | 306 | 211 | |
| Idaho | 152 | 491 | |
| Washington | 142 | 708 | |
| Mississippi | 138 | 608 | |
| Montana | 136 | 80 |
Lowest states
| State | Index | Prov. | |
|---|---|---|---|
| Indiana | 80 | 698 | |
| South Dakota | 82 | 147 | |
| Florida | 82 | 758 | |
| Minnesota | 84 | 774 | |
| North Dakota | 85 | 211 |
Frequently asked questions
Does Aetna pay more or less than the other payers in Indiana?
Aetna ranks 4th of 4 in Indiana with an index of 78. It is highest on 1% of codes.
Are Aetna's Indiana rates above or below its national level?
About 20% below.
Which procedure does Aetna pay most above market in Indiana?
CPT 88313 (Special stains group 2), at 134% of the Indiana median.
Methodology
- Source: in-network negotiated-rate files published under the federal Transparency in Coverage rule, August 2026 snapshot: UnitedHealthcare Choice plans (74 files); Aetna commercial plans (70 files); Cigna national PPO (1 files); BCBS licensees' own-network files (5,387 files). Payer comparisons describe these files, not each payer's entire book of business.
- Sample: rates come from a random sample of up to 150 providers per state and specialty. Counts on this page are sampled providers and TINs, not totals.
- Which providers count: only providers in a specialty relevant to the code, because a rate in a payer file attaches to a provider group and is listed under every provider in that group.
- Filters: fee-for-service, professional billing class, no modifier, negotiated or fee-schedule dollar rates. Rates outside 1% to 1,000% of the Medicare rate are excluded.
- Statistic: one median rate per provider, then percentiles across providers. A cell is shown only with at least 15 sampled providers and 4 TINs.
- Medicare benchmark: CY2026 national physician fee schedule, non-QPP conversion factor, unadjusted for locality. Where the non-facility rate is more than twice the facility rate (office rates that include device or supply cost), the facility rate is used so comparisons are like for like.
Is your Aetna contract at market in Indiana?
Compare your negotiated rates for these codes with Indiana medians for each payer.