Cigna negotiated rates in Michigan
How Cigna's Michigan rates compare with the other three national payers, across the procedures that matter most to high-revenue specialties.
Cigna in Michigan at a glance
What the data shows
Cigna ranks 1st of 4 payers in Michigan with a rate index of 123 (100 = the Michigan market median), across 55 procedure codes.
Cigna has the highest median for 87% of codes in Michigan.
Cigna's Michigan rates sit 6% above its own national level, the 18th highest of its 51 states.
Largest premium over the Michigan market: CPT 70496 (Ct angiography head) at 149% of market; largest discount: CPT 99490 (Chrnc care mgmt staff 1st 20) at 100%.
How the four payers compare in Michigan
| Payer | Index | Rank | Level | Highest on | Providers |
|---|---|---|---|---|---|
| Cigna | 123 | 1 | 87% | 93 | |
| UnitedHealthcare | 106 | 2 | 44% | 664 | |
| Blue Cross Blue Shield | 100 | 3 | 34% | 846 | |
| Aetna | 92 | 4 | 1% | 707 |
Where Cigna pays most and least against the Michigan market
Highest above market
| Code | Cigna | Market | Gap | Prov. |
|---|---|---|---|---|
| 70496 Ct angiography head | $603 | $404 | +49% | 31 |
| 77080 Dxa bone density axial | $84 | $59 | +44% | 31 |
| 70498 Ct angiography neck | $602 | $423 | +42% | 31 |
| 70551 Mri brain stem w/o dye | $429 | $302 | +42% | 31 |
| 71250 Ct thorax dx c- | $291 | $205 | +42% | 31 |
| 70553 Mri brain stem w/o & w/dye | $696 | $490 | +42% | 31 |
| 72197 Mri pelvis w/o & w/dye | $733 | $517 | +42% | 31 |
| 70450 Ct head/brain w/o dye | $234 | $165 | +42% | 31 |
Furthest below market
| Code | Cigna | Market | Gap | Prov. |
|---|---|---|---|---|
| 99490 Chrnc care mgmt staff 1st 20 | $59 | $59 | +0% | 35 |
| 76536 Us exam of head and neck | $168 | $159 | +6% | 31 |
| 71046 X-ray exam chest 2 views | $52 | $48 | +9% | 31 |
| 74174 Cta abd&plvs w/contrast | $639 | $585 | +9% | 31 |
| 76770 Us exam abdo back wall comp | $171 | $156 | +10% | 39 |
| 71271 Ct thorax lung cancer scr c- | $222 | $202 | +10% | 30 |
| 99203 Office o/p new low 30 min | $124 | $110 | +13% | 93 |
| 99457 Rpm tx mgmt 1st 20 min | $51 | $44 | +16% | 21 |
Where Cigna pays above and below its national level
Frequently asked questions
Does Cigna pay more or less than the other payers in Michigan?
Cigna ranks 1st of 4 in Michigan with an index of 123. It is highest on 87% of codes.
Are Cigna's Michigan rates above or below its national level?
About 6% above.
Which procedure does Cigna pay most above market in Michigan?
CPT 70496 (Ct angiography head), at 149% of the Michigan 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 Michigan?
Compare your negotiated rates for these codes with Michigan medians for each payer.