Cigna ER Visit Rates in Memphis
Published Cigna negotiated rates for ER Visit at 7 hospitals in Memphis, TN. Data from CMS-mandated hospital transparency files.
If you are experiencing a medical emergency, call 911 or go to your nearest emergency room immediately.
Do not delay emergency care based on cost.
Lowest Rate
$237.90
Regional One Health
all plan types
Highest Rate
$5,097.59
Le Bonheur Children's Hospital
all plan types
Rate Spread
21x
across all plan types
Hospitals
7
with Cigna data
Cigna's negotiated ER visit rates in Memphis span a 21x gap, from $237.90 at Regional One Health to $5,097.59 at Le Bonheur Children's Hospital. The median across all 7 hospitals is $913.37. The lowest rate reflects a Medicare Advantage plan, and lower figures like this are often tied to government-linked plans rather than commercial coverage.
Cigna ER Visit Rates by Hospital
| Hospital | Lowest Cigna Rate |
|---|---|
| Regional One Health | $237.90 |
| Methodist Le Bonheur Germantown Hospital | $577.97 |
| Methodist North Hospital | $577.97 |
| Methodist South Hospital | $577.97 |
| Methodist University Hospital | $577.97 |
| Baptist Memorial Hospital-Tipton | $944.51 |
| Le Bonheur Children's Hospital | $1,089 |
Median of all 158 published Cigna rates for ER Visit at these hospitals: $913.37
Rates shown are Cigna's published negotiated rates from each hospital's CMS transparency file. "Lowest rate" is the lowest rate across all Cigna plan types (including Medicaid-managed and Medicare Advantage) at that hospital. Commercial plan rates are typically higher. Your actual cost depends on your specific plan's deductible, copay, and coinsurance.
Reading Cigna ER Visit Rates in Memphis
Where Memphis ER visit rates for Cigna start and end. The lowest published rate is $237.90 at Regional One Health, followed by Methodist Le Bonheur Germantown Hospital and Methodist North Hospital, each with a low of $577.97. At the top, Le Bonheur Children's Hospital shows $5,097.59, with Methodist South Hospital's high at $1,425.86 and Methodist Le Bonheur Germantown Hospital's at $1,265.
How wide the Cigna spread runs in Memphis. The page shows a 21x spread across 7 hospitals, and the median of all 158 published rates is $913.37. The lowest rate at Regional One Health is listed under a Medicare Advantage plan, so the low end likely reflects that plan rather than commercial coverage. Other low rates sit under named Cigna HMO, Local Plus and EPO plans.
What to ask Cigna and a Memphis hospital about an ER visit. These are facility rates, and professional fees are billed separately. Members can:
- Ask Cigna for their own plan's negotiated rate and estimated cost share at a named hospital.
- Ask Cigna whether that hospital is in network for their plan.
- Ask the hospital for an estimate.
Written from the rates in the table above. General information, not medical or insurance advice.
Understanding Cigna Negotiated Rates
A negotiated rate is the price Cigna has agreed to pay a hospital for a specific service. This is not necessarily what you pay out of pocket. If you have met your annual deductible, you typically pay a copay or coinsurance percentage of the negotiated rate. If you have not met your deductible, you may owe the full negotiated rate.
The same insurer often negotiates different rates at different hospitals, and different plan types (HMO, PPO, high-deductible) within the same insurer can have different rates at the same hospital. The table above shows the range across all Cigna plan types at each facility.
Prices shown are facility fees only. You will also receive separate bills from the physician performing the procedure.
Compare Other Insurers for ER Visit in Memphis
Frequently Asked Questions
Where is the lowest-cost Cigna ER Visit in Memphis?
The lowest Cigna negotiated rate for ER Visit in Memphis is $237.90 at Regional One Health, across all plan types including Medicaid-managed and Medicare Advantage. The highest is $5,097.59 at Le Bonheur Children's Hospital, a 21x difference. Commercial plan rates typically fall between these extremes.
Is the Cigna negotiated rate what I'll pay?
Not necessarily. The negotiated rate is what Cigna has agreed to pay the hospital. Your out-of-pocket cost depends on your deductible, copay, and coinsurance. If you have not met your annual deductible, you may owe the full negotiated rate. Contact Cigna for a pre-service cost estimate specific to your plan.
How many Memphis hospitals have published Cigna rates?
7 hospitals in the Memphis area have published Cigna negotiated rates for ER Visit in their CMS transparency files. Having a published rate does not necessarily confirm current network participation. Verify your network status with Cigna directly.
Will Cigna cover an out-of-network ER visit?
Under the No Surprises Act, emergency services must be covered regardless of network status. Cigna cannot charge you more than your in-network cost-sharing for emergency care, even at an out-of-network hospital. This applies to the ER visit itself, though follow-up care after you are stabilized may be billed differently.
We are not affiliated with Cigna or any hospital listed on this page. Negotiated rates are sourced from hospital-published CMS transparency files and represent the amounts agreed between the insurer and hospital. Your actual out-of-pocket cost depends on your deductible, copay, and coinsurance. Contact Cigna or the hospital billing department for a cost estimate specific to your plan. All insurer and hospital names are trademarks of their respective owners.
Visit the official Cigna website: www.cigna.com