Cigna · Indiana · commercial in-network

Cigna negotiated rates in Indiana

How Cigna's Indiana rates compare with the other three national payers, across the procedures that matter most to high-revenue specialties.

Cigna in Indiana at a glance

Across 228 procedure codes for 8 specialties
Rate index vs state market
103
3% above the Indiana median
Rank in state
2 of 4
UHC 117 · Cigna 103 · BCBS 100 · Aetna 78
vs own national
86
Cigna's level vs its national median
Codes where highest
17%
of 228 codes
812 sampled providers482 TINs228 codesMedian 132% of Medicare · method

What the data shows

Generated from Indiana and Cigna data only
1

Cigna ranks 2nd of 4 payers in Indiana with a rate index of 103 (100 = the Indiana market median), across 228 procedure codes.

2

Cigna has the highest median for only 17% of codes in Indiana; UnitedHealthcare leads with an index of 117 in the files analyzed.

3

Cigna's Indiana rates sit 14% below its own national level, the 43rd highest of its 51 states.

4

Largest premium over the Indiana market: CPT 77080 (Dxa bone density axial) at 179% of market; largest discount: CPT 52224 (Cystoscopy and treatment) at 61%.

How the four payers compare in Indiana

Rate index: 100 = the state four-payer median for the same codes
PayerIndexRankLevelHighest onProviders
UnitedHealthcare1171
117
61%805
Cigna1032
103
17%812
Blue Cross Blue Shield1003
100
21%912
Aetna784
78
1%698

Where Cigna pays most and least against the Indiana market

Codes with the largest gap to the state median

Highest above market

CodeCignaMarketGapProv.
77080
Dxa bone density axial
$121$68+79%104
70496
Ct angiography head
$603$383+58%103
70498
Ct angiography neck
$602$385+57%103
51798
Us urine capacity measure
$26$18+47%67
51720
Treatment of bladder lesion
$115$83+39%103
74183
Mri abd w/o cntr flwd cntr
$762$553+38%103
72197
Mri pelvis w/o & w/dye
$761$553+38%103
96372
Ther/proph/diag inj sc/im
$27$20+37%108

Furthest below market

CodeCignaMarketGapProv.
52224
Cystoscopy and treatment
$291$477-39%103
52287
Cystoscopy chemodenervation
$243$334-27%101
88305
Tissue exam by pathologist
$51$68-24%171
96910
Photchmtx tar&uvb/ptrltm&uvb
$73$91-21%98
52648
Laser surgery of prostate
$1,002$1,254-20%103
52281
Cystoscopy and treatment
$259$318-19%102
66984
Xcapsl ctrc rmvl w/o ecp
$562$685-18%94
67904
Repair eyelid defect
$616$749-18%94

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 Indiana?

Cigna ranks 2nd of 4 in Indiana with an index of 103. It is highest on 17% of codes.

Are Cigna's Indiana rates above or below its national level?

About 14% below.

Which procedure does Cigna pay most above market in Indiana?

CPT 77080 (Dxa bone density axial), at 179% of the Indiana 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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