UnitedHealthcare · Montana · commercial in-network

UnitedHealthcare negotiated rates in Montana

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

UnitedHealthcare in Montana at a glance

Across 228 procedure codes for 8 specialties
Rate index vs state market
114
14% above the Montana median
Rank in state
2 of 4
Aetna 123 · UHC 114 · Cigna 100 · BCBS 100
vs own national
100
UHC's level vs its national median
Codes where highest
69%
of 228 codes
323 sampled providers177 TINs228 codesMedian 177% of Medicare · method

What the data shows

Generated from Montana and UnitedHealthcare data only
1

UnitedHealthcare ranks 2nd of 4 payers in Montana with a rate index of 114 (100 = the Montana market median), across 228 procedure codes.

2

UnitedHealthcare has the highest median for 69% of codes in Montana.

3

UnitedHealthcare's Montana rates sit 0% below its own national level, the 25th highest of its 51 states.

4

Largest premium over the Montana market: CPT 64566 (Neuroeltrd stim post tibial) at 448% of market; largest discount: CPT 93298 (Rem interrog dev eval scrms) at 31%.

How the four payers compare in Montana

Rate index: 100 = the state four-payer median for the same codes
PayerIndexRankLevelHighest onProviders
Aetna1231
123
68%80
UnitedHealthcare1142
114
69%323
Cigna1003
100
13%367
Blue Cross Blue Shield1003
100
4%409

Where UnitedHealthcare pays most and least against the Montana market

Codes with the largest gap to the state median

Highest above market

CodeUHCMarketGapProv.
64566
Neuroeltrd stim post tibial
$212$47+348%25
52224
Cystoscopy and treatment
$1,253$313+300%25
43255
Egd control bleeding any
$1,103$310+256%20
52332
Cystoscopy and treatment
$764$242+216%25
11104
Punch bx skin single lesion
$218$73+198%33
11102
Tangntl bx skin single les
$173$59+194%33
43239
Egd biopsy single/multiple
$627$216+191%20
52000
Cystourethroscopy
$339$125+171%25

Furthest below market

CodeUHCMarketGapProv.
93298
Rem interrog dev eval scrms
$49$160-69%39
93297
Rem interrog dev eval icpms
$46$95-52%39
71271
Ct thorax lung cancer scr c-
$137$222-38%51
76775
Us exam abdo back wall lim
$60$94-36%25
76857
Us exam pelvic limited
$49$77-36%25
74177
Ct abd & pelvis w/contrast
$314$491-36%51
71046
X-ray exam chest 2 views
$33$51-34%51
74176
Ct abd & pelvis w/o contrast
$200$296-33%51

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 Montana?

UnitedHealthcare ranks 2nd of 4 in Montana with an index of 114. It is highest on 69% of codes.

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

About 0% below.

Which procedure does UnitedHealthcare pay most above market in Montana?

CPT 64566 (Neuroeltrd stim post tibial), at 448% of the Montana 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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