Cigna · Maryland · commercial in-network

Cigna negotiated rates in Maryland

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

Cigna in Maryland at a glance

Across 227 procedure codes for 8 specialties
Rate index vs state market
110
10% above the Maryland median
Rank in state
2 of 4
UHC 131 · Cigna 110 · Aetna 101 · BCBS 74
vs own national
95
Cigna's level vs its national median
Codes where highest
13%
of 227 codes
723 sampled providers528 TINs227 codesMedian 149% of Medicare · method

What the data shows

Generated from Maryland and Cigna data only
1

Cigna ranks 2nd of 4 payers in Maryland with a rate index of 110 (100 = the Maryland market median), across 227 procedure codes.

2

Cigna has the highest median for only 13% of codes in Maryland; UnitedHealthcare leads with an index of 131 in the files analyzed.

3

Cigna's Maryland rates sit 5% below its own national level, the 34th highest of its 51 states.

4

Largest premium over the Maryland market: CPT 93298 (Rem interrog dev eval scrms) at 251% of market; largest discount: CPT 88305 (Tissue exam by pathologist) at 59%.

How the four payers compare in Maryland

Rate index: 100 = the state four-payer median for the same codes
PayerIndexRankLevelHighest onProviders
UnitedHealthcare1311
131
63%606
Cigna1102
110
13%723
Aetna1013
101
24%645
Blue Cross Blue Shield744
74
0%758

Where Cigna pays most and least against the Maryland market

Codes with the largest gap to the state median

Highest above market

CodeCignaMarketGapProv.
93298
Rem interrog dev eval scrms
$104$41+151%94
93280
Pm device progr eval dual
$132$83+58%94
78452
Ht muscle image spect mult
$721$466+55%174
93312
Echo transesophageal
$440$284+55%94
99350
Home/res vst est high mdm 60
$261$169+55%81
93308
Tte f-up or lmtd
$172$114+51%94
64566
Neuroeltrd stim post tibial
$97$64+51%90
52281
Cystoscopy and treatment
$486$322+51%90

Furthest below market

CodeCignaMarketGapProv.
88305
Tissue exam by pathologist
$38$64-41%190
88342
Imhchem/imcytchm 1st antb
$55$89-38%94
88312
Special stains group 1
$56$88-36%190
88313
Special stains group 2
$44$66-34%94
92134
Cptrz oph dx img pst sgm rta
$34$41-18%90
92133
Cptrzd oph dx img pst sgm on
$33$38-14%90
67028
Injection eye drug
$100$114-13%90
76857
Us exam pelvic limited
$45$51-12%90

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 Maryland?

Cigna ranks 2nd of 4 in Maryland with an index of 110. It is highest on 13% of codes.

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

About 5% below.

Which procedure does Cigna pay most above market in Maryland?

CPT 93298 (Rem interrog dev eval scrms), at 251% of the Maryland 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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