Cigna negotiated rates in Minnesota
How Cigna's Minnesota rates compare with the other three national payers, across the procedures that matter most to high-revenue specialties.
Cigna in Minnesota at a glance
What the data shows
Cigna ranks 3rd of 4 payers in Minnesota with a rate index of 102 (100 = the Minnesota market median), across 81 procedure codes.
Cigna has the highest median for only 1% of codes in Minnesota; UnitedHealthcare leads with an index of 141 in the files analyzed.
Cigna's Minnesota rates sit 2% below its own national level, the 30th highest of its 51 states.
Largest premium over the Minnesota market: CPT 88305 (Tissue exam by pathologist) at 145% of market; largest discount: CPT 99457 (Rpm tx mgmt 1st 20 min) at 58%.
How the four payers compare in Minnesota
| Payer | Index | Rank | Level | Highest on | Providers |
|---|---|---|---|---|---|
| UnitedHealthcare | 141 | 1 | 64% | 618 | |
| Blue Cross Blue Shield | 133 | 2 | 36% | 671 | |
| Cigna | 102 | 3 | 1% | 169 | |
| Aetna | 55 | 4 | 0% | 774 |
Where Cigna pays most and least against the Minnesota market
Highest above market
| Code | Cigna | Market | Gap | Prov. |
|---|---|---|---|---|
| 88305 Tissue exam by pathologist | $104 | $72 | +45% | 17 |
| 76872 Us transrectal | $283 | $200 | +41% | 23 |
| 88312 Special stains group 1 | $141 | $114 | +24% | 17 |
| 93000 Electrocardiogram complete | $26 | $23 | +14% | 169 |
| 76705 Echo exam of abdomen | $135 | $119 | +13% | 83 |
| 72197 Mri pelvis w/o & w/dye | $633 | $567 | +12% | 81 |
| 74183 Mri abd w/o cntr flwd cntr | $635 | $568 | +12% | 81 |
| 71275 Ct angiography chest | $473 | $423 | +12% | 81 |
Furthest below market
| Code | Cigna | Market | Gap | Prov. |
|---|---|---|---|---|
| 99457 Rpm tx mgmt 1st 20 min | $45 | $78 | -42% | 23 |
| 45385 Colonoscopy w/lesion removal | $495 | $777 | -36% | 23 |
| 99490 Chrnc care mgmt staff 1st 20 | $65 | $99 | -34% | 58 |
| 52332 Cystoscopy and treatment | $322 | $449 | -28% | 23 |
| 52281 Cystoscopy and treatment | $296 | $396 | -25% | 23 |
| 99454 Rem mntr physiol param 16-30 | $74 | $99 | -25% | 23 |
| 51700 Irrigation of bladder | $65 | $87 | -25% | 22 |
| 52000 Cystourethroscopy | $174 | $232 | -25% | 22 |
Where Cigna pays above and below its national level
Frequently asked questions
Does Cigna pay more or less than the other payers in Minnesota?
Cigna ranks 3rd of 4 in Minnesota with an index of 102. It is highest on 1% of codes.
Are Cigna's Minnesota rates above or below its national level?
About 2% below.
Which procedure does Cigna pay most above market in Minnesota?
CPT 88305 (Tissue exam by pathologist), at 145% of the Minnesota 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 Minnesota?
Compare your negotiated rates for these codes with Minnesota medians for each payer.