Blue Cross Blue Shield negotiated rates in Indiana
How Blue Cross Blue Shield's Indiana rates compare with the other three national payers, across the procedures that matter most to high-revenue specialties.
Blue Cross Blue Shield in Indiana at a glance
What the data shows
Blue Cross Blue Shield ranks 3rd of 4 payers in Indiana with a rate index of 100 (100 = the Indiana market median), across 228 procedure codes.
Blue Cross Blue Shield has the highest median for only 21% of codes in Indiana; UnitedHealthcare leads with an index of 117 in the files analyzed.
Blue Cross Blue Shield's Indiana rates sit 15% below its own national level, the 38th highest of its 51 states.
Largest premium over the Indiana market: CPT 74176 (Ct abd & pelvis w/o contrast) at 186% of market; largest discount: CPT 99426 (Prin care mgmt staff 1st 30) at 34%.
In Indiana, BCBS rates come from 36 licensee file sets; the largest is Community Insurance Company (838 sampled providers).
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 Blue Cross Blue Shield pays most and least against the Indiana market
Highest above market
| Code | BCBS | Market | Gap | Prov. |
|---|---|---|---|---|
| 74176 Ct abd & pelvis w/o contrast | $483 | $260 | +86% | 129 |
| 67108 Repair detached retina | $2,642 | $1,497 | +76% | 104 |
| 15823 Blepharp upr eyelid xcsv skn | $1,034 | $656 | +58% | 104 |
| 67904 Repair eyelid defect | $1,109 | $749 | +48% | 104 |
| 74177 Ct abd & pelvis w/contrast | $601 | $416 | +44% | 129 |
| 76512 Oph us dx b-scan | $102 | $71 | +43% | 104 |
| 92235 Fluorescein angrph mltiframe | $181 | $127 | +43% | 104 |
| 45388 Colonoscopy w/ablation | $744 | $539 | +38% | 101 |
Furthest below market
| Code | BCBS | Market | Gap | Prov. |
|---|---|---|---|---|
| 99426 Prin care mgmt staff 1st 30 | $20 | $61 | -66% | 119 |
| 93458 L hrt artery/ventricle angio | $608 | $1,319 | -54% | 35 |
| 96910 Photchmtx tar&uvb/ptrltm&uvb | $46 | $91 | -49% | 111 |
| 88312 Special stains group 1 | $40 | $64 | -38% | 200 |
| 88313 Special stains group 2 | $29 | $46 | -38% | 93 |
| 17004 Destroy premal lesions 15/> | $95 | $133 | -29% | 111 |
| 88342 Imhchem/imcytchm 1st antb | $46 | $64 | -28% | 110 |
| 77280 Ther rad simulaj field smpl | $175 | $239 | -27% | 111 |
Where Blue Cross Blue Shield pays above and below its national level
Highest states
| State | Index | Prov. | |
|---|---|---|---|
| Alaska | 243 | 290 | |
| Wisconsin | 192 | 733 | |
| Minnesota | 171 | 671 | |
| North Dakota | 148 | 329 | |
| Wyoming | 145 | 256 |
Lowest states
| State | Index | Prov. | |
|---|---|---|---|
| Maryland | 63 | 758 | |
| Arizona | 66 | 479 | |
| Texas | 69 | 1,003 | |
| District of Columbia | 69 | 484 | |
| New Mexico | 74 | 562 |
Blue Cross Blue Shield licensees in Indiana
| Licensee file set | Sampled providers |
|---|---|
| Community Insurance Company | 838 |
| Anthem (Elevance) | 813 |
| HealthKeepers, Inc. | 695 |
| BCBS IL | 114 |
| Healthy Alliance Life Insurance Company | 57 |
| BCBS MI | 31 |
| BCBS NC | 16 |
| BCBS TX | 14 |
| Compcare Health Services Insurance Corporation | 10 |
| Matthew Thornton Health Plan, Inc. | 10 |
| BS CA | 5 |
| BCBS MN | 5 |
| Blue Shield of California Life & Health Insurance Company | 5 |
| Premera | 4 |
| BCBS OK | 4 |
| Wellmark | 4 |
| BCBS NM | 4 |
| Horizon Healthcare of New Jersey | 3 |
| BCBS NJ (Horizon) | 3 |
| Blue Cross and Blue Shield of Nebraska | 3 |
| Carefirst BCBS | 3 |
| Capital BlueCross | 2 |
| BCBS HI | 2 |
| Capital BC | 2 |
| Excellus BCBS | 2 |
| BCBS TN | 2 |
| Regence | 2 |
| BCBS AL | 2 |
| BCBS MT | 2 |
| BCBS KS | 2 |
| BCBS AZ | 2 |
| HMO Colorado, Inc. | 1 |
| BCBS MA | 1 |
| BCBS VT | 1 |
| BCBS RI | 1 |
| Blue Cross and Blue Shield of Massachusetts HMO Blue, Inc. | 1 |
Frequently asked questions
Does Blue Cross Blue Shield pay more or less than the other payers in Indiana?
Blue Cross Blue Shield ranks 3rd of 4 in Indiana with an index of 100. It is highest on 21% of codes.
Are Blue Cross Blue Shield's Indiana rates above or below its national level?
About 15% below.
Which procedure does Blue Cross Blue Shield pay most above market in Indiana?
CPT 74176 (Ct abd & pelvis w/o contrast), at 186% 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 Blue Cross Blue Shield contract at market in Indiana?
Compare your negotiated rates for these codes with Indiana medians for each payer.