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
What the data shows
Cigna ranks 2nd of 4 payers in Kentucky with a rate index of 111 (100 = the Kentucky market median), across 228 procedure codes.
Cigna has the highest median for only 43% of codes in Kentucky; UnitedHealthcare leads with an index of 114 in the files analyzed.
Cigna's Kentucky rates sit 3% below its own national level, the 32nd highest of its 51 states.
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
| Payer | Index | Rank | Level | Highest on | Providers |
|---|---|---|---|---|---|
| UnitedHealthcare | 114 | 1 | 53% | 820 | |
| Cigna | 111 | 2 | 43% | 848 | |
| Blue Cross Blue Shield | 89 | 3 | 3% | 935 | |
| Aetna | 82 | 4 | 2% | 681 |
Where Cigna pays most and least against the Kentucky market
Highest above market
| Code | Cigna | Market | Gap | Prov. |
|---|---|---|---|---|
| 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
| Code | Cigna | Market | Gap | Prov. |
|---|---|---|---|---|
| 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
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
- 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 Kentucky?
Compare your negotiated rates for these codes with Kentucky medians for each payer.