Cigna negotiated rates in Montana
How Cigna's Montana rates compare with the other three national payers, across the procedures that matter most to high-revenue specialties.
Cigna in Montana at a glance
What the data shows
Cigna ranks 3rd of 4 payers in Montana with a rate index of 100 (100 = the Montana market median), across 227 procedure codes.
Cigna has the highest median for only 13% of codes in Montana; Aetna leads with an index of 123 in the files analyzed.
Cigna's Montana rates sit 0% above its own national level, the 24th highest of its 51 states.
Largest premium over the Montana market: CPT 88313 (Special stains group 2) at 299% of market; largest discount: CPT 20610 (Drain/inj joint/bursa w/o us) at 93%.
How the four payers compare in Montana
| Payer | Index | Rank | Level | Highest on | Providers |
|---|---|---|---|---|---|
| Aetna | 123 | 1 | 68% | 80 | |
| UnitedHealthcare | 114 | 2 | 69% | 323 | |
| Cigna | 100 | 3 | 13% | 367 | |
| Blue Cross Blue Shield | 100 | 3 | 4% | 409 |
Where Cigna pays most and least against the Montana market
Highest above market
| Code | Cigna | Market | Gap | Prov. |
|---|---|---|---|---|
| 88313 Special stains group 2 | $131 | $44 | +199% | 23 |
| 88312 Special stains group 1 | $178 | $64 | +176% | 59 |
| 88305 Tissue exam by pathologist | $113 | $57 | +99% | 59 |
| 76872 Us transrectal | $318 | $160 | +99% | 32 |
| 88342 Imhchem/imcytchm 1st antb | $167 | $93 | +80% | 36 |
| 73562 X-ray exam of knee 3 | $65 | $47 | +38% | 72 |
| 73564 X-ray exam knee 4 or more | $75 | $54 | +38% | 72 |
| 73610 X-ray exam of ankle | $58 | $42 | +38% | 72 |
Furthest below market
| Code | Cigna | Market | Gap | Prov. |
|---|---|---|---|---|
| 20610 Drain/inj joint/bursa w/o us | $72 | $77 | -7% | 367 |
| 37243 Vasc embolize/occlude organ | $855 | $877 | -2% | 60 |
| 43259 Egd us exam duodenum/jejunum | $350 | $350 | +0% | 23 |
| 92273 Full field erg w/i&r | $199 | $199 | +0% | 28 |
| 99203 Office o/p new low 30 min | $128 | $128 | +0% | 367 |
| 93297 Rem interrog dev eval icpms | $95 | $95 | +0% | 38 |
| 52000 Cystourethroscopy | $125 | $125 | +0% | 32 |
| 99496 Transj care mgmt high f2f 7d | $297 | $297 | +0% | 76 |
Where Cigna pays above and below its national level
Frequently asked questions
Does Cigna pay more or less than the other payers in Montana?
Cigna ranks 3rd of 4 in Montana with an index of 100. It is highest on 13% of codes.
Are Cigna's Montana rates above or below its national level?
About 0% above.
Which procedure does Cigna pay most above market in Montana?
CPT 88313 (Special stains group 2), at 299% of the Montana 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 Montana?
Compare your negotiated rates for these codes with Montana medians for each payer.