Cigna · Pennsylvania · commercial in-network

Cigna negotiated rates in Pennsylvania

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

Cigna in Pennsylvania at a glance

Across 227 procedure codes for 8 specialties
Rate index vs state market
94
6% below the Pennsylvania median
Rank in state
3 of 4
UHC 115 · BCBS 101 · Cigna 94 · Aetna 82
vs own national
86
Cigna's level vs its national median
Codes where highest
2%
of 227 codes
788 sampled providers594 TINs227 codesMedian 135% of Medicare · method

What the data shows

Generated from Pennsylvania and Cigna data only
1

Cigna ranks 3rd of 4 payers in Pennsylvania with a rate index of 94 (100 = the Pennsylvania market median), across 227 procedure codes.

2

Cigna has the highest median for only 2% of codes in Pennsylvania; UnitedHealthcare leads with an index of 115 in the files analyzed.

3

Cigna's Pennsylvania rates sit 14% below its own national level, the 44th highest of its 51 states.

4

Largest premium over the Pennsylvania market: CPT 76512 (Oph us dx b-scan) at 119% of market; largest discount: CPT 11102 (Tangntl bx skin single les) at 52%.

How the four payers compare in Pennsylvania

Rate index: 100 = the state four-payer median for the same codes
PayerIndexRankLevelHighest onProviders
UnitedHealthcare1151
115
75%751
Blue Cross Blue Shield1012
101
18%564
Cigna943
94
2%788
Aetna824
82
5%679

Where Cigna pays most and least against the Pennsylvania market

Codes with the largest gap to the state median

Highest above market

CodeCignaMarketGapProv.
76512
Oph us dx b-scan
$61$51+19%110
70498
Ct angiography neck
$480$426+13%103
71275
Ct angiography chest
$482$433+11%103
72131
Ct lumbar spine w/o dye
$251$226+11%103
70496
Ct angiography head
$481$434+11%103
92250
Fundus photography w/i&r
$46$42+11%111
71250
Ct thorax dx c-
$257$233+10%103
72158
Mri lumbar spine w/o & w/dye
$623$565+10%103

Furthest below market

CodeCignaMarketGapProv.
11102
Tangntl bx skin single les
$46$90-48%101
11104
Punch bx skin single lesion
$58$112-48%101
88313
Special stains group 2
$39$74-48%95
11301
Shave skin lesion 0.6-1.0 cm
$61$101-40%101
88312
Special stains group 1
$63$105-39%190
11302
Shave skin lesion 1.1-2.0 cm
$70$115-39%101
64566
Neuroeltrd stim post tibial
$49$77-37%97
17313
Mohs 1 stage t/a/l
$375$590-36%101

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 Pennsylvania?

Cigna ranks 3rd of 4 in Pennsylvania with an index of 94. It is highest on 2% of codes.

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

About 14% below.

Which procedure does Cigna pay most above market in Pennsylvania?

CPT 76512 (Oph us dx b-scan), at 119% of the Pennsylvania 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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