Aetna · Minnesota · commercial in-network

Aetna negotiated rates in Minnesota

How Aetna's Minnesota rates compare with the other three national payers, across the procedures that matter most to high-revenue specialties.

Aetna in Minnesota at a glance

Across 228 procedure codes for 8 specialties
Rate index vs state market
55
45% below the Minnesota median
Rank in state
4 of 4
UHC 141 · BCBS 133 · Cigna 102 · Aetna 55
vs own national
84
Aetna's level vs its national median
Codes where highest
0%
of 228 codes
774 sampled providers476 TINs228 codesMedian 105% of Medicare · method

What the data shows

Generated from Minnesota and Aetna data only
1

Aetna ranks 4th of 4 payers in Minnesota with a rate index of 55 (100 = the Minnesota market median), across 228 procedure codes.

2

Aetna has the highest median for only 0% of codes in Minnesota; UnitedHealthcare leads with an index of 141 in the files analyzed.

3

Aetna's Minnesota rates sit 16% below its own national level, the 48th highest of its 51 states.

4

Largest premium over the Minnesota market: CPT 88312 (Special stains group 1) at 95% of market; largest discount: CPT 43239 (Egd biopsy single/multiple) at 28%.

How the four payers compare in Minnesota

Rate index: 100 = the state four-payer median for the same codes
PayerIndexRankLevelHighest onProviders
UnitedHealthcare1411
141
64%618
Blue Cross Blue Shield1332
133
36%671
Cigna1023
102
1%169
Aetna554
55
0%774

Where Aetna pays most and least against the Minnesota market

Codes with the largest gap to the state median

Highest above market

CodeAetnaMarketGapProv.
88312
Special stains group 1
$108$114-5%195
88305
Tissue exam by pathologist
$68$72-6%196
71045
X-ray exam chest 1 view
$27$30-8%105
88342
Imhchem/imcytchm 1st antb
$96$107-11%112
92020
Gonioscopy
$22$25-11%81
70551
Mri brain stem w/o dye
$295$343-14%105
92134
Cptrz oph dx img pst sgm rta
$45$52-15%84
92235
Fluorescein angrph mltiframe
$154$181-15%80

Furthest below market

CodeAetnaMarketGapProv.
43239
Egd biopsy single/multiple
$128$458-72%84
43248
Egd guide wire insertion
$153$545-72%84
43235
Egd diagnostic brush wash
$113$402-72%84
45380
Colonoscopy and biopsy
$185$650-72%84
43251
Egd remove lesion snare
$181$632-71%84
45384
Colonoscopy w/lesion removal
$208$717-71%84
45378
Diagnostic colonoscopy
$170$568-70%84
45385
Colonoscopy w/lesion removal
$234$777-70%185

Where Aetna pays above and below its national level

Index vs the payer's own national median (100 = national)

Highest states

StateIndexProv.
Alaska306
211
Idaho152
491
Washington142
708
Mississippi138
608
Montana136
80

Lowest states

StateIndexProv.
Indiana80
698
South Dakota82
147
Florida82
758
Minnesota84
774
North Dakota85
211

Frequently asked questions

Does Aetna pay more or less than the other payers in Minnesota?

Aetna ranks 4th of 4 in Minnesota with an index of 55. It is highest on 0% of codes.

Are Aetna's Minnesota rates above or below its national level?

About 16% below.

Which procedure does Aetna pay most above market in Minnesota?

CPT 88312 (Special stains group 1), at 95% of the Minnesota median.

Methodology

How these numbers are calculated
  • 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.

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