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
What the data shows
Cigna ranks 2nd of 4 payers in Indiana with a rate index of 103 (100 = the Indiana market median), across 228 procedure codes.
Cigna has the highest median for only 17% of codes in Indiana; UnitedHealthcare leads with an index of 117 in the files analyzed.
Cigna's Indiana rates sit 14% below its own national level, the 43rd highest of its 51 states.
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
| Payer | Index | Rank | Level | Highest on | Providers |
|---|---|---|---|---|---|
| UnitedHealthcare | 117 | 1 | 61% | 805 | |
| Cigna | 103 | 2 | 17% | 812 | |
| Blue Cross Blue Shield | 100 | 3 | 21% | 912 | |
| Aetna | 78 | 4 | 1% | 698 |
Where Cigna pays most and least against the Indiana market
Highest above market
| Code | Cigna | Market | Gap | Prov. |
|---|---|---|---|---|
| 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
| Code | Cigna | Market | Gap | Prov. |
|---|---|---|---|---|
| 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
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
- 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 Indiana?
Compare your negotiated rates for these codes with Indiana medians for each payer.