UnitedHealthcare · Indiana · commercial in-network

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

Across 228 procedure codes for 8 specialties
Rate index vs state market
117
17% above the Indiana median
Rank in state
1 of 4
UHC 117 · Cigna 103 · BCBS 100 · Aetna 78
vs own national
89
UHC's level vs its national median
Codes where highest
61%
of 228 codes
805 sampled providers456 TINs228 codesMedian 147% of Medicare · method

What the data shows

Generated from Indiana and UnitedHealthcare data only
1

UnitedHealthcare ranks 1st of 4 payers in Indiana with a rate index of 117 (100 = the Indiana market median), across 228 procedure codes.

2

UnitedHealthcare has the highest median for 61% of codes in Indiana.

3

UnitedHealthcare's Indiana rates sit 11% below its own national level, the 37th highest of its 51 states.

4

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

Rate index: 100 = the state four-payer median for the same codes
PayerIndexRankLevelHighest onProviders
UnitedHealthcare1171
117
61%805
Cigna1032
103
17%812
Blue Cross Blue Shield1003
100
21%912
Aetna784
78
1%698

Where UnitedHealthcare pays most and least against the Indiana market

Codes with the largest gap to the state median

Highest above market

CodeUHCMarketGapProv.
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

CodeUHCMarketGapProv.
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

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 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

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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