Cigna negotiated rates in Illinois
How Cigna's Illinois rates compare with the other three national payers, across the procedures that matter most to high-revenue specialties.
Cigna in Illinois at a glance
What the data shows
Cigna ranks 2nd of 4 payers in Illinois with a rate index of 106 (100 = the Illinois market median), across 228 procedure codes.
Cigna has the highest median for only 8% of codes in Illinois; UnitedHealthcare leads with an index of 133 in the files analyzed.
Cigna's Illinois rates sit 0% below its own national level, the 26th highest of its 51 states.
Largest premium over the Illinois market: CPT 93298 (Rem interrog dev eval scrms) at 285% of market; largest discount: CPT 88312 (Special stains group 1) at 60%.
How the four payers compare in Illinois
| Payer | Index | Rank | Level | Highest on | Providers |
|---|---|---|---|---|---|
| UnitedHealthcare | 133 | 1 | 86% | 706 | |
| Cigna | 106 | 2 | 8% | 644 | |
| Aetna | 88 | 3 | 1% | 626 | |
| Blue Cross Blue Shield | 86 | 4 | 5% | 841 |
Where Cigna pays most and least against the Illinois market
Highest above market
| Code | Cigna | Market | Gap | Prov. |
|---|---|---|---|---|
| 93298 Rem interrog dev eval scrms | $135 | $47 | +185% | 89 |
| 93297 Rem interrog dev eval icpms | $81 | $47 | +74% | 89 |
| 92242 Fluorescein&icg angiography | $391 | $254 | +54% | 85 |
| 71045 X-ray exam chest 1 view | $37 | $26 | +39% | 90 |
| 97110 Therapeutic exercises | $44 | $32 | +37% | 64 |
| 77280 Ther rad simulaj field smpl | $364 | $266 | +37% | 76 |
| 92235 Fluorescein angrph mltiframe | $179 | $132 | +35% | 92 |
| 92273 Full field erg w/i&r | $188 | $139 | +35% | 85 |
Furthest below market
| Code | Cigna | Market | Gap | Prov. |
|---|---|---|---|---|
| 88312 Special stains group 1 | $57 | $94 | -40% | 155 |
| 88342 Imhchem/imcytchm 1st antb | $56 | $86 | -35% | 76 |
| 17313 Mohs 1 stage t/a/l | $420 | $553 | -24% | 72 |
| 17311 Mohs 1 stage h/n/hf/g | $469 | $615 | -24% | 72 |
| 88305 Tissue exam by pathologist | $56 | $72 | -22% | 155 |
| 11104 Punch bx skin single lesion | $63 | $80 | -22% | 72 |
| 11102 Tangntl bx skin single les | $49 | $62 | -22% | 72 |
| 11301 Shave skin lesion 0.6-1.0 cm | $70 | $88 | -20% | 76 |
Where Cigna pays above and below its national level
Frequently asked questions
Does Cigna pay more or less than the other payers in Illinois?
Cigna ranks 2nd of 4 in Illinois with an index of 106. It is highest on 8% of codes.
Are Cigna's Illinois rates above or below its national level?
About 0% below.
Which procedure does Cigna pay most above market in Illinois?
CPT 93298 (Rem interrog dev eval scrms), at 285% of the Illinois 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 Illinois?
Compare your negotiated rates for these codes with Illinois medians for each payer.