Cigna · Illinois · commercial in-network

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

Across 228 procedure codes for 8 specialties
Rate index vs state market
106
6% above the Illinois median
Rank in state
2 of 4
UHC 133 · Cigna 106 · Aetna 88 · BCBS 86
vs own national
100
Cigna's level vs its national median
Codes where highest
8%
of 228 codes
644 sampled providers500 TINs228 codesMedian 156% of Medicare · method

What the data shows

Generated from Illinois and Cigna data only
1

Cigna ranks 2nd of 4 payers in Illinois with a rate index of 106 (100 = the Illinois market median), across 228 procedure codes.

2

Cigna has the highest median for only 8% of codes in Illinois; UnitedHealthcare leads with an index of 133 in the files analyzed.

3

Cigna's Illinois rates sit 0% below its own national level, the 26th highest of its 51 states.

4

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

Rate index: 100 = the state four-payer median for the same codes
PayerIndexRankLevelHighest onProviders
UnitedHealthcare1331
133
86%706
Cigna1062
106
8%644
Aetna883
88
1%626
Blue Cross Blue Shield864
86
5%841

Where Cigna pays most and least against the Illinois market

Codes with the largest gap to the state median

Highest above market

CodeCignaMarketGapProv.
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

CodeCignaMarketGapProv.
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

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 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

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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