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
What the data shows
Cigna ranks 3rd of 4 payers in Tennessee with a rate index of 97 (100 = the Tennessee market median), across 228 procedure codes.
Cigna has the highest median for only 16% of codes in Tennessee; UnitedHealthcare leads with an index of 112 in the files analyzed.
Cigna's Tennessee rates sit 7% below its own national level, the 37th highest of its 51 states.
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
| Payer | Index | Rank | Level | Highest on | Providers |
|---|---|---|---|---|---|
| UnitedHealthcare | 112 | 1 | 58% | 775 | |
| Blue Cross Blue Shield | 103 | 2 | 18% | 844 | |
| Cigna | 97 | 3 | 16% | 850 | |
| Aetna | 82 | 4 | 8% | 767 |
Where Cigna pays most and least against the Tennessee market
Highest above market
| Code | Cigna | Market | Gap | Prov. |
|---|---|---|---|---|
| 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
| Code | Cigna | Market | Gap | Prov. |
|---|---|---|---|---|
| 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
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
- 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 Tennessee?
Compare your negotiated rates for these codes with Tennessee medians for each payer.