Cigna · Massachusetts · commercial in-network

Cigna negotiated rates in Massachusetts

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

Cigna in Massachusetts at a glance

Across 227 procedure codes for 8 specialties
Rate index vs state market
109
9% above the Massachusetts median
Rank in state
2 of 4
UHC 137 · Cigna 109 · BCBS 98 · Aetna 62
vs own national
133
Cigna's level vs its national median
Codes where highest
14%
of 227 codes
808 sampled providers534 TINs227 codesMedian 216% of Medicare · method

What the data shows

Generated from Massachusetts and Cigna data only
1

Cigna ranks 2nd of 4 payers in Massachusetts with a rate index of 109 (100 = the Massachusetts market median), across 227 procedure codes.

2

Cigna has the highest median for only 14% of codes in Massachusetts; UnitedHealthcare leads with an index of 137 in the files analyzed.

3

Cigna's Massachusetts rates sit 33% above its own national level, the 6th highest of its 51 states.

4

Largest premium over the Massachusetts market: CPT 93298 (Rem interrog dev eval scrms) at 162% of market; largest discount: CPT 43239 (Egd biopsy single/multiple) at 74%.

How the four payers compare in Massachusetts

Rate index: 100 = the state four-payer median for the same codes
PayerIndexRankLevelHighest onProviders
UnitedHealthcare1371
137
80%772
Cigna1092
109
14%808
Blue Cross Blue Shield983
98
5%837
Aetna624
62
0%595

Where Cigna pays most and least against the Massachusetts market

Codes with the largest gap to the state median

Highest above market

CodeCignaMarketGapProv.
93298
Rem interrog dev eval scrms
$203$125+62%97
77080
Dxa bone density axial
$92$57+62%104
72100
X-ray exam l-s spine 2/3 vws
$84$56+51%94
73610
X-ray exam of ankle
$77$51+50%94
76857
Us exam pelvic limited
$100$67+50%95
73630
X-ray exam of foot
$71$48+49%94
73560
X-ray exam of knee 1 or 2
$71$48+48%94
76872
Us transrectal
$383$258+48%95

Furthest below market

CodeCignaMarketGapProv.
43239
Egd biopsy single/multiple
$325$441-26%103
43235
Egd diagnostic brush wash
$289$368-21%103
92250
Fundus photography w/i&r
$60$76-21%100
45380
Colonoscopy and biopsy
$470$573-18%103
45384
Colonoscopy w/lesion removal
$534$638-16%103
92136
Ophthalmic biometry
$78$92-16%100
51700
Irrigation of bladder
$71$83-15%95
51720
Treatment of bladder lesion
$100$113-11%95

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 Massachusetts?

Cigna ranks 2nd of 4 in Massachusetts with an index of 109. It is highest on 14% of codes.

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

About 33% above.

Which procedure does Cigna pay most above market in Massachusetts?

CPT 93298 (Rem interrog dev eval scrms), at 162% of the Massachusetts 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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