A panel decision needs more than one payer's rate.

You cannot evaluate a Cigna panel offer without knowing what UHC, BCBS, and Aetna pay for the same session. One report gives you a number. Four reports tell you whether to sign.

Group practice tip

Select all 4 payers × both credential tiers for a full panel benchmark. At 8 + reports the per-report price drops to $40 — cheaper than a single renegotiation consult.