UnitedHealthcare negotiated rates in Indiana
How UnitedHealthcare's Indiana rates compare with the other three national payers, across the procedures that matter most to high-revenue specialties.
UnitedHealthcare in Indiana at a glance
What the data shows
UnitedHealthcare ranks 1st of 4 payers in Indiana with a rate index of 117 (100 = the Indiana market median), across 228 procedure codes.
UnitedHealthcare has the highest median for 61% of codes in Indiana.
UnitedHealthcare's Indiana rates sit 11% below its own national level, the 37th highest of its 51 states.
Largest premium over the Indiana market: CPT 64566 (Neuroeltrd stim post tibial) at 333% of market; largest discount: CPT 75574 (Ct angio hrt w/3d image) at 79%.
How the four payers compare in Indiana
| Payer | Index | Rank | Level | Highest on | Providers |
|---|---|---|---|---|---|
| UnitedHealthcare | 117 | 1 | 61% | 805 | |
| Cigna | 103 | 2 | 17% | 812 | |
| Blue Cross Blue Shield | 100 | 3 | 21% | 912 | |
| Aetna | 78 | 4 | 1% | 698 |
Where UnitedHealthcare pays most and least against the Indiana market
Highest above market
| Code | UHC | Market | Gap | Prov. |
|---|---|---|---|---|
| 64566 Neuroeltrd stim post tibial | $168 | $51 | +233% | 105 |
| 11104 Punch bx skin single lesion | $136 | $58 | +134% | 98 |
| 11102 Tangntl bx skin single les | $108 | $46 | +133% | 98 |
| 51702 Insert temp bladder cath | $98 | $43 | +130% | 106 |
| 52224 Cystoscopy and treatment | $1,055 | $477 | +121% | 105 |
| 52000 Cystourethroscopy | $328 | $151 | +117% | 106 |
| 52332 Cystoscopy and treatment | $627 | $299 | +110% | 106 |
| 51700 Irrigation of bladder | $111 | $54 | +105% | 106 |
Furthest below market
| Code | UHC | Market | Gap | Prov. |
|---|---|---|---|---|
| 75574 Ct angio hrt w/3d image | $457 | $576 | -21% | 106 |
| 76775 Us exam abdo back wall lim | $75 | $94 | -20% | 106 |
| 93000 Electrocardiogram complete | $20 | $24 | -20% | 805 |
| 76512 Oph us dx b-scan | $58 | $71 | -19% | 89 |
| 93015 Cv stress test supvj i&r | $111 | $136 | -18% | 106 |
| 72148 Mri lumbar spine w/o dye | $331 | $404 | -18% | 202 |
| 93296 Rem interrog evl pm/ids | $36 | $43 | -18% | 106 |
| 72110 X-ray exam l-2 spine 4/>vws | $52 | $62 | -16% | 96 |
Where UnitedHealthcare pays above and below its national level
Frequently asked questions
Does UnitedHealthcare pay more or less than the other payers in Indiana?
UnitedHealthcare ranks 1st of 4 in Indiana with an index of 117. It is highest on 61% of codes.
Are UnitedHealthcare's Indiana rates above or below its national level?
About 11% below.
Which procedure does UnitedHealthcare pay most above market in Indiana?
CPT 64566 (Neuroeltrd stim post tibial), at 333% of the Indiana 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 UnitedHealthcare contract at market in Indiana?
Compare your negotiated rates for these codes with Indiana medians for each payer.