Cigna · Kentucky · commercial in-network

Cigna negotiated rates in Kentucky

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

Cigna in Kentucky at a glance

Across 228 procedure codes for 8 specialties
Rate index vs state market
111
11% above the Kentucky median
Rank in state
2 of 4
UHC 114 · Cigna 111 · BCBS 89 · Aetna 82
vs own national
97
Cigna's level vs its national median
Codes where highest
43%
of 228 codes
848 sampled providers569 TINs228 codesMedian 155% of Medicare · method

What the data shows

Generated from Kentucky and Cigna data only
1

Cigna ranks 2nd of 4 payers in Kentucky with a rate index of 111 (100 = the Kentucky market median), across 228 procedure codes.

2

Cigna has the highest median for only 43% of codes in Kentucky; UnitedHealthcare leads with an index of 114 in the files analyzed.

3

Cigna's Kentucky rates sit 3% below its own national level, the 32nd highest of its 51 states.

4

Largest premium over the Kentucky market: CPT 51798 (Us urine capacity measure) at 608% of market; largest discount: CPT 65778 (Cover eye w/membrane) at 59%.

How the four payers compare in Kentucky

Rate index: 100 = the state four-payer median for the same codes
PayerIndexRankLevelHighest onProviders
UnitedHealthcare1141
114
53%820
Cigna1112
111
43%848
Blue Cross Blue Shield893
89
3%935
Aetna824
82
2%681

Where Cigna pays most and least against the Kentucky market

Codes with the largest gap to the state median

Highest above market

CodeCignaMarketGapProv.
51798
Us urine capacity measure
$125$21+508%35
75574
Ct angio hrt w/3d image
$726$478+52%109
71275
Ct angiography chest
$548$366+50%106
92134
Cptrz oph dx img pst sgm rta
$53$37+43%98
76641
Ultrasound breast complete
$154$109+42%104
70498
Ct angiography neck
$536$379+41%106
70496
Ct angiography head
$537$381+41%106
92273
Full field erg w/i&r
$164$117+40%98

Furthest below market

CodeCignaMarketGapProv.
65778
Cover eye w/membrane
$41$70-41%88
17313
Mohs 1 stage t/a/l
$340$480-29%102
17311
Mohs 1 stage h/n/hf/g
$379$527-28%102
11301
Shave skin lesion 0.6-1.0 cm
$54$74-27%102
11302
Shave skin lesion 1.1-2.0 cm
$63$85-26%102
11104
Punch bx skin single lesion
$53$70-25%102
52224
Cystoscopy and treatment
$350$447-22%84
43239
Egd biopsy single/multiple
$256$326-22%102

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 Kentucky?

Cigna ranks 2nd of 4 in Kentucky with an index of 111. It is highest on 43% of codes.

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

About 3% below.

Which procedure does Cigna pay most above market in Kentucky?

CPT 51798 (Us urine capacity measure), at 608% of the Kentucky 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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