UnitedHealthcare · Florida · commercial in-network

UnitedHealthcare negotiated rates in Florida

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

UnitedHealthcare in Florida at a glance

Across 228 procedure codes for 8 specialties
Rate index vs state market
112
12% above the Florida median
Rank in state
1 of 4
UHC 112 · BCBS 107 · Cigna 96 · Aetna 85
vs own national
78
UHC's level vs its national median
Codes where highest
59%
of 228 codes
744 sampled providers616 TINs228 codesMedian 133% of Medicare · method

What the data shows

Generated from Florida and UnitedHealthcare data only
1

UnitedHealthcare ranks 1st of 4 payers in Florida with a rate index of 112 (100 = the Florida market median), across 228 procedure codes.

2

UnitedHealthcare has the highest median for 59% of codes in Florida.

3

UnitedHealthcare's Florida rates sit 22% below its own national level, the 50th highest of its 51 states.

4

Largest premium over the Florida market: CPT 52224 (Cystoscopy and treatment) at 247% of market; largest discount: CPT 73721 (Mri jnt of lwr extre w/o dye) at 87%.

How the four payers compare in Florida

Rate index: 100 = the state four-payer median for the same codes
PayerIndexRankLevelHighest onProviders
UnitedHealthcare1121
112
59%744
Blue Cross Blue Shield1072
107
34%200
Cigna963
96
13%775
Aetna854
85
4%758

Where UnitedHealthcare pays most and least against the Florida market

Codes with the largest gap to the state median

Highest above market

CodeUHCMarketGapProv.
52224
Cystoscopy and treatment
$1,006$407+147%87
52332
Cystoscopy and treatment
$669$300+123%96
64566
Neuroeltrd stim post tibial
$153$69+122%96
43255
Egd control bleeding any
$833$383+117%110
52648
Laser surgery of prostate
$2,537$1,277+99%96
43251
Egd remove lesion snare
$688$363+89%110
11104
Punch bx skin single lesion
$106$56+89%95
43248
Egd guide wire insertion
$566$312+82%110

Furthest below market

CodeUHCMarketGapProv.
73721
Mri jnt of lwr extre w/o dye
$266$305-13%162
88305
Tissue exam by pathologist
$43$49-12%205
73221
Mri joint upr extrem w/o dye
$268$305-12%162
72148
Mri lumbar spine w/o dye
$254$289-12%162
72125
Ct neck spine w/o dye
$221$246-10%63
72131
Ct lumbar spine w/o dye
$220$239-8%63
70450
Ct head/brain w/o dye
$160$174-8%63
92235
Fluorescein angrph mltiframe
$91$97-6%97

Where UnitedHealthcare pays above and below its national level

Index vs the payer's own national median (100 = national)

Highest states

StateIndexProv.
Alaska193
164
Wisconsin173
610
Minnesota166
618
Oregon164
683
Massachusetts152
772

Lowest states

StateIndexProv.
Alabama73
719
Florida78
744
Arizona82
699
Louisiana83
808
Delaware83
379

Frequently asked questions

Does UnitedHealthcare pay more or less than the other payers in Florida?

UnitedHealthcare ranks 1st of 4 in Florida with an index of 112. It is highest on 59% of codes.

Are UnitedHealthcare's Florida rates above or below its national level?

About 22% below.

Which procedure does UnitedHealthcare pay most above market in Florida?

CPT 52224 (Cystoscopy and treatment), at 247% of the Florida 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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