Commercial healthcare reimbursement in Arizona
How Arizona compares with the nation, by payer, specialty and procedure.
Arizona at a glance
What the data shows
Arizona ranks 48th of 51 states for commercial reimbursement, with an index of 83 (100 = national median) across 228 procedure codes; the West region averages 118.
Commercial rates in Arizona run a median 122% of Medicare.
UnitedHealthcare has the highest index in the state (115) and Blue Cross Blue Shield the lowest (82), a 33-point gap, in the files analyzed.
CPT 93298 (Rem interrog dev eval scrms) is the strongest relative to the national median (179% of it, a 79% premium); CPT 96372 (Ther/proph/diag inj sc/im) is furthest below (62% of the national median, 38% lower).
By specialty, Arizona is strongest for gastroenterology (ranks 36th of 50 states for that specialty) and weakest for cardiology (51st of 51).
Against Medicare, gastroenterology has the highest ratio in Arizona (179% of Medicare) and dermatology the lowest (71%).
Payer ranking in Arizona
| Payer | Index | Rank | Level | Codes | Providers | TINs |
|---|---|---|---|---|---|---|
| UnitedHealthcare | 115 | 1 | 228 | 699 | 613 | |
| Cigna | 102 | 2 | 227 | 698 | 550 | |
| Aetna | 91 | 3 | 228 | 719 | 697 | |
| Blue Cross Blue Shield | 82 | 4 | 228 | 479 | 731 |
Reimbursement index by specialty in Arizona
| Specialty | Index | Rank among states | % of Medicare | Level | Codes | Providers |
|---|---|---|---|---|---|---|
| Gastroenterology | 93 | 36 of 50 | 179% | 36 | 98 | |
| Orthopedic surgery | 87 | 42 of 51 | 124% | 39 | 99 | |
| Diagnostic radiology | 88 | 43 of 51 | 135% | 49 | 115 | |
| Urology | 83 | 47 of 50 | 131% | 37 | 100 | |
| Ophthalmology | 79 | 49 of 50 | 97% | 42 | 110 | |
| Dermatology | 72 | 50 of 50 | 71% | 44 | 104 | |
| Internal medicine | 70 | 50 of 51 | 86% | 25 | 96 | |
| Cardiology | 69 | 51 of 51 | 103% | 38 | 98 |
Specialty by payer in Arizona
| Specialty | UHC | Aetna | Cigna | BCBS |
|---|---|---|---|---|
| Internal medicine | 82 | 59 | 73 | 58 |
| Dermatology | 101 | 70 | 70 | 54 |
| Ophthalmology | 94 | 74 | 76 | 66 |
| Cardiology | 79 | 60 | 74 | 63 |
| Orthopedic surgery | 108 | 64 | 96 | 74 |
| Diagnostic radiology | 98 | 75 | 99 | 84 |
| Urology | 108 | 64 | 87 | 61 |
| Gastroenterology | 113 | 83 | 95 | 66 |
Arizona compared with West region states
| State | Index | Rank | % of Medicare | Providers | Level |
|---|---|---|---|---|---|
| Arizona | 83 | 48 | 122% | 820 | |
| Nevada | 87 | 43 | 128% | 780 | |
| California | 93 | 35 | 138% | 844 | |
| New Mexico | 94 | 33 | 141% | 622 | |
| Utah | 100 | 25 | 154% | 818 | |
| Montana | 100 | 24 | 160% | 448 |
Procedures that pay most and least in Arizona vs the nation
Highest vs national
| Code | Arizona | National | Gap | Prov. |
|---|---|---|---|---|
| 93298 Rem interrog dev eval scrms | $94 | $52 | +79% | 98 |
| 93297 Rem interrog dev eval icpms | $56 | $52 | +7% | 97 |
| 92242 Fluorescein&icg angiography | $303 | $288 | +5% | 108 |
| 43249 Esoph egd dilation <30 mm | $281 | $271 | +4% | 98 |
| 43246 Egd place gastrostomy tube | $341 | $338 | +1% | 98 |
| 92235 Fluorescein angrph mltiframe | $146 | $145 | +1% | 108 |
| 43264 Ercp remove duct calculi | $621 | $622 | -0% | 98 |
| 43237 Endoscopic us exam esoph | $318 | $318 | -0% | 98 |
| 43259 Egd us exam duodenum/jejunum | $383 | $384 | -0% | 98 |
| 43274 Ercp duct stent placement | $731 | $739 | -1% | 98 |
| 72141 Mri neck spine w/o dye | $385 | $390 | -1% | 113 |
| 43242 Egd us fine needle bx/aspir | $447 | $454 | -1% | 98 |
| 43238 Egd us fine needle bx/aspir | $378 | $383 | -1% | 98 |
| 72148 Mri lumbar spine w/o dye | $375 | $382 | -2% | 211 |
| 96413 Chemo iv infusion 1 hr | $200 | $204 | -2% | 98 |
Lowest vs national
| Code | Arizona | National | Gap | Prov. |
|---|---|---|---|---|
| 96372 Ther/proph/diag inj sc/im | $15 | $24 | -38% | 96 |
| 11301 Shave skin lesion 0.6-1.0 cm | $52 | $85 | -38% | 104 |
| 93656 Compre ep eval abltj atr fib | $1,024 | $1,615 | -37% | 97 |
| 11302 Shave skin lesion 1.1-2.0 cm | $62 | $98 | -36% | 104 |
| 11102 Tangntl bx skin single les | $41 | $65 | -36% | 104 |
| 17313 Mohs 1 stage t/a/l | $330 | $515 | -36% | 104 |
| 93015 Cv stress test supvj i&r | $77 | $120 | -36% | 98 |
| 11104 Punch bx skin single lesion | $52 | $81 | -36% | 104 |
| 93016 Cv stress test supvj only | $22 | $34 | -35% | 97 |
| 93306 Tte w/doppler complete | $207 | $318 | -35% | 193 |
| 99349 Home/res vst est mod mdm 40 | $114 | $174 | -35% | 95 |
| 17311 Mohs 1 stage h/n/hf/g | $379 | $577 | -34% | 104 |
| 93294 Rem interrog evl pm/ldls pm | $32 | $48 | -34% | 97 |
| 93312 Echo transesophageal | $257 | $387 | -34% | 97 |
| 99202 Office o/p new sf 15 min | $46 | $70 | -33% | 103 |
Frequently asked questions
How do commercial reimbursement rates in Arizona compare with the rest of the country?
Arizona ranks 48th of 51 states with an index of 83, across 228 procedure codes. Median commercial rates run 122% of the Medicare rate.
Which payer has the highest rates in Arizona?
In the files we analyzed, UnitedHealthcare has the highest index (115) and Blue Cross Blue Shield the lowest (82). Each payer's figures describe the specific plans and networks in the files used, not its whole book of business.
Which specialty has the strongest rates in Arizona?
Gastroenterology ranks 36th of 50 states.
How many providers does this Arizona page cover?
820 sampled providers across 4 payers. The data comes from a random sample of providers, so counts describe the sample, not every provider in the state.
Which procedures differ most between Arizona and the national median?
CPT 93298 (Rem interrog dev eval scrms) is highest relative to the nation at 179% of the national median; CPT 96372 (Ther/proph/diag inj sc/im) is lowest at 62%.
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.
Benchmark your Arizona contracts
Compare your negotiated rates with these state medians by payer and specialty.