Cigna negotiated rates in Alabama
How Cigna's Alabama rates compare with the other three national payers, across the procedures that matter most to high-revenue specialties.
Cigna in Alabama at a glance
What the data shows
Cigna ranks 4th of 4 payers in Alabama with a rate index of 86 (100 = the Alabama market median), across 228 procedure codes.
Cigna has the highest median for only 5% of codes in Alabama; Blue Cross Blue Shield leads with an index of 100 in the files analyzed.
Cigna's Alabama rates sit 28% below its own national level, the 51st highest of its 51 states.
Largest premium over the Alabama market: CPT 45390 (Colonoscopy w/resection) at 298% of market; largest discount: CPT 88342 (Imhchem/imcytchm 1st antb) at 41%.
How the four payers compare in Alabama
| Payer | Index | Rank | Level | Highest on | Providers |
|---|---|---|---|---|---|
| Blue Cross Blue Shield | 100 | 1 | 33% | 852 | |
| Aetna | 100 | 1 | 31% | 847 | |
| UnitedHealthcare | 96 | 3 | 31% | 719 | |
| Cigna | 86 | 4 | 5% | 837 |
Where Cigna pays most and least against the Alabama market
Highest above market
| Code | Cigna | Market | Gap | Prov. |
|---|---|---|---|---|
| 45390 Colonoscopy w/resection | $1,246 | $418 | +198% | 42 |
| 51798 Us urine capacity measure | $38 | $21 | +81% | 22 |
| 92250 Fundus photography w/i&r | $72 | $53 | +35% | 101 |
| 99497 Advncd care plan 30 min | $96 | $76 | +26% | 36 |
| 96372 Ther/proph/diag inj sc/im | $23 | $19 | +21% | 91 |
| 51700 Irrigation of bladder | $66 | $59 | +13% | 106 |
| 93294 Rem interrog evl pm/ldls pm | $49 | $44 | +11% | 110 |
| 92136 Ophthalmic biometry | $82 | $76 | +8% | 101 |
Furthest below market
| Code | Cigna | Market | Gap | Prov. |
|---|---|---|---|---|
| 88342 Imhchem/imcytchm 1st antb | $41 | $102 | -59% | 117 |
| 88312 Special stains group 1 | $44 | $97 | -55% | 220 |
| 88313 Special stains group 2 | $30 | $67 | -54% | 103 |
| 88305 Tissue exam by pathologist | $34 | $73 | -54% | 194 |
| 97110 Therapeutic exercises | $15 | $28 | -46% | 107 |
| 52649 Prostate laser enucleation | $870 | $1,612 | -46% | 106 |
| 67210 Treatment of retinal lesion | $517 | $954 | -46% | 101 |
| 67036 Removal of inner eye fluid | $933 | $1,718 | -46% | 101 |
Where Cigna pays above and below its national level
Frequently asked questions
Does Cigna pay more or less than the other payers in Alabama?
Cigna ranks 4th of 4 in Alabama with an index of 86. It is highest on 5% of codes.
Are Cigna's Alabama rates above or below its national level?
About 28% below.
Which procedure does Cigna pay most above market in Alabama?
CPT 45390 (Colonoscopy w/resection), at 298% of the Alabama 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 Cigna contract at market in Alabama?
Compare your negotiated rates for these codes with Alabama medians for each payer.