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
What the data shows
Cigna ranks 2nd of 4 payers in Massachusetts with a rate index of 109 (100 = the Massachusetts market median), across 227 procedure codes.
Cigna has the highest median for only 14% of codes in Massachusetts; UnitedHealthcare leads with an index of 137 in the files analyzed.
Cigna's Massachusetts rates sit 33% above its own national level, the 6th highest of its 51 states.
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
| Payer | Index | Rank | Level | Highest on | Providers |
|---|---|---|---|---|---|
| UnitedHealthcare | 137 | 1 | 80% | 772 | |
| Cigna | 109 | 2 | 14% | 808 | |
| Blue Cross Blue Shield | 98 | 3 | 5% | 837 | |
| Aetna | 62 | 4 | 0% | 595 |
Where Cigna pays most and least against the Massachusetts market
Highest above market
| Code | Cigna | Market | Gap | Prov. |
|---|---|---|---|---|
| 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
| Code | Cigna | Market | Gap | Prov. |
|---|---|---|---|---|
| 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
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
- 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 Massachusetts?
Compare your negotiated rates for these codes with Massachusetts medians for each payer.