Cigna · Tennessee · commercial in-network

Cigna negotiated rates in Tennessee

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

Cigna in Tennessee at a glance

Across 228 procedure codes for 8 specialties
Rate index vs state market
97
3% below the Tennessee median
Rank in state
3 of 4
UHC 112 · BCBS 103 · Cigna 97 · Aetna 82
vs own national
93
Cigna's level vs its national median
Codes where highest
16%
of 228 codes
850 sampled providers573 TINs228 codesMedian 136% of Medicare · method

What the data shows

Generated from Tennessee and Cigna data only
1

Cigna ranks 3rd of 4 payers in Tennessee with a rate index of 97 (100 = the Tennessee market median), across 228 procedure codes.

2

Cigna has the highest median for only 16% of codes in Tennessee; UnitedHealthcare leads with an index of 112 in the files analyzed.

3

Cigna's Tennessee rates sit 7% below its own national level, the 37th highest of its 51 states.

4

Largest premium over the Tennessee market: CPT 51798 (Us urine capacity measure) at 185% of market; largest discount: CPT 65778 (Cover eye w/membrane) at 66%.

How the four payers compare in Tennessee

Rate index: 100 = the state four-payer median for the same codes
PayerIndexRankLevelHighest onProviders
UnitedHealthcare1121
112
58%775
Blue Cross Blue Shield1032
103
18%844
Cigna973
97
16%850
Aetna824
82
8%767

Where Cigna pays most and least against the Tennessee market

Codes with the largest gap to the state median

Highest above market

CodeCignaMarketGapProv.
51798
Us urine capacity measure
$38$20+85%23
93298
Rem interrog dev eval scrms
$81$46+77%118
93297
Rem interrog dev eval icpms
$55$43+30%118
77080
Dxa bone density axial
$80$64+25%105
74177
Ct abd & pelvis w/contrast
$566$460+23%105
92928
Prq tcat plmt ntrac st 1 les
$1,035$856+21%118
72148
Mri lumbar spine w/o dye
$508$421+20%213
72131
Ct lumbar spine w/o dye
$334$279+20%105

Furthest below market

CodeCignaMarketGapProv.
65778
Cover eye w/membrane
$43$65-34%114
92136
Ophthalmic biometry
$43$64-33%116
88313
Special stains group 2
$37$55-32%92
76512
Oph us dx b-scan
$40$58-31%116
65855
Trabeculoplasty laser surg
$203$289-30%116
67840
Remove eyelid lesion
$170$242-30%116
88305
Tissue exam by pathologist
$34$49-30%196
92012
Intrm oph exam est patient
$51$72-29%116

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 Tennessee?

Cigna ranks 3rd of 4 in Tennessee with an index of 97. It is highest on 16% of codes.

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

About 7% below.

Which procedure does Cigna pay most above market in Tennessee?

CPT 51798 (Us urine capacity measure), at 185% of the Tennessee 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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