Cigna · Alabama · commercial in-network

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

Across 228 procedure codes for 8 specialties
Rate index vs state market
86
14% below the Alabama median
Rank in state
4 of 4
BCBS 100 · Aetna 100 · UHC 96 · Cigna 86
vs own national
72
Cigna's level vs its national median
Codes where highest
5%
of 228 codes
837 sampled providers556 TINs228 codesMedian 114% of Medicare · method

What the data shows

Generated from Alabama and Cigna data only
1

Cigna ranks 4th of 4 payers in Alabama with a rate index of 86 (100 = the Alabama market median), across 228 procedure codes.

2

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.

3

Cigna's Alabama rates sit 28% below its own national level, the 51st highest of its 51 states.

4

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

Rate index: 100 = the state four-payer median for the same codes
PayerIndexRankLevelHighest onProviders
Blue Cross Blue Shield1001
100
33%852
Aetna1001
100
31%847
UnitedHealthcare963
96
31%719
Cigna864
86
5%837

Where Cigna pays most and least against the Alabama market

Codes with the largest gap to the state median

Highest above market

CodeCignaMarketGapProv.
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

CodeCignaMarketGapProv.
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

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

Highest states

StateIndexProv.
Oregon152
735
Nebraska151
551
South Dakota141
286
Iowa141
604
Georgia136
829

Lowest states

StateIndexProv.
Alabama72
837
Florida75
775
Oklahoma80
748
Delaware82
392
Arizona82
698

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

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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