Cigna negotiated rates in Florida
How Cigna's Florida rates compare with the other three national payers, across the procedures that matter most to high-revenue specialties.
Cigna in Florida at a glance
What the data shows
Cigna ranks 3rd of 4 payers in Florida with a rate index of 96 (100 = the Florida market median), across 227 procedure codes.
Cigna has the highest median for only 13% of codes in Florida; UnitedHealthcare leads with an index of 112 in the files analyzed.
Cigna's Florida rates sit 25% below its own national level, the 50th highest of its 51 states.
Largest premium over the Florida market: CPT 74183 (Mri abd w/o cntr flwd cntr) at 127% of market; largest discount: CPT 67840 (Remove eyelid lesion) at 69%.
How the four payers compare in Florida
| Payer | Index | Rank | Level | Highest on | Providers |
|---|---|---|---|---|---|
| UnitedHealthcare | 112 | 1 | 59% | 744 | |
| Blue Cross Blue Shield | 107 | 2 | 34% | 200 | |
| Cigna | 96 | 3 | 13% | 775 | |
| Aetna | 85 | 4 | 4% | 758 |
Where Cigna pays most and least against the Florida market
Highest above market
| Code | Cigna | Market | Gap | Prov. |
|---|---|---|---|---|
| 74183 Mri abd w/o cntr flwd cntr | $729 | $575 | +27% | 74 |
| 72197 Mri pelvis w/o & w/dye | $726 | $574 | +26% | 74 |
| 70553 Mri brain stem w/o & w/dye | $621 | $519 | +20% | 74 |
| 74178 Ct abd&plv wo cntr flwd cntr | $465 | $395 | +18% | 162 |
| 74174 Cta abd&plvs w/contrast | $639 | $543 | +18% | 74 |
| 36465 Njx noncmpnd sclrsnt 1 vein | $168 | $144 | +17% | 101 |
| 71260 Ct thorax dx c+ | $339 | $291 | +17% | 74 |
| 71046 X-ray exam chest 2 views | $45 | $39 | +15% | 82 |
Furthest below market
| Code | Cigna | Market | Gap | Prov. |
|---|---|---|---|---|
| 67840 Remove eyelid lesion | $132 | $191 | -31% | 102 |
| 92012 Intrm oph exam est patient | $43 | $61 | -30% | 102 |
| 43239 Egd biopsy single/multiple | $216 | $293 | -26% | 104 |
| 45380 Colonoscopy and biopsy | $312 | $410 | -24% | 104 |
| 43235 Egd diagnostic brush wash | $189 | $246 | -23% | 104 |
| 64566 Neuroeltrd stim post tibial | $53 | $69 | -22% | 98 |
| 52224 Cystoscopy and treatment | $319 | $407 | -22% | 99 |
| 45384 Colonoscopy w/lesion removal | $348 | $442 | -21% | 104 |
Where Cigna pays above and below its national level
Frequently asked questions
Does Cigna pay more or less than the other payers in Florida?
Cigna ranks 3rd of 4 in Florida with an index of 96. It is highest on 13% of codes.
Are Cigna's Florida rates above or below its national level?
About 25% below.
Which procedure does Cigna pay most above market in Florida?
CPT 74183 (Mri abd w/o cntr flwd cntr), at 127% of the Florida 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 Florida?
Compare your negotiated rates for these codes with Florida medians for each payer.