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Your health, your way

Auburn University's PPO option is administered by Blue Cross BlueShield of Alabama.

PPO stands for Preferred Provider Organization. With a PPO, you don’t need a referral to make an appointment with another healthcare provider.

If you have a PPO, you can schedule appointments with providers and facilities outside of your network and still have those services covered by your insurance, although the costs for the majority of services will be higher than in-network. 

Find an in-network provider

Plan Design

 

In-Network Benefit

Preventive Care

The plan pays 100%.

Primary Physician Co-Pay

$30

Specialist Office Visit Co-Pay

$40

Facility Inpatient Co-Pay

$300

Facility Outpatient Co-Pay

$300

Emergency Room Facility Co-Pay

$300

Deductible

$500 per person (three-member family maximum)

Out-of-Pocket Maximum

Single - $9,200; Family - $18,400

2025 Premium Rates

IMPORTANT: Employees whose annual salaries are $40,799 or less will receive a monthly subsidy to help offset their premium costs. 

Employee Only

Pay Frequency

Employee Pays

Subsidy (If applicable)

Biweekly

$115.50

$21.82

Monthly

$250.25

$47.27

18-Pay

$166.84

$31.51

 

Employee + Spouse

Pay Frequency

Employee Pays

Subsidy (If applicable)

Biweekly

$323.40

$61.09

Monthly

$700.71

$132.36

18-Pay

$467.14

$88.24

 

Employee + Children

Pay Frequency

Employee Pays

Subsidy (If applicable)

Biweekly

$219.45

$41.45

Monthly

$475.48

$89.81

18-Pay

$316.99

$59.88

 

Family

Pay Frequency

Employee Pays

Subsidy (If applicable)

Biweekly

$346.50

$65.45

Monthly

$750.76

$141.82 

18-Pay

$500.51

$94.54

Out-of-Pocket Maximum

In 2025, the annual out-of-pocket maximum will decrease to $9,200 for Employee Only coverage and $18,400 for the other coverage tiers -- Employee + Spouse, Employee + Child(ren), and Family.

After the maximum is met, the plan will pay 100% of the allowed amount for the remainder of the year.

TigerMeds

Prescription drug co-payment tiers/coverage will remain the same in 2025. Participation in TigerMeds will eliminate the co-pay for certain Tier 1 generic prescriptions and will reduce the co-pay for certain Tier 2 generic prescriptions. 

Key Documents

Important Reminder

Auburn University will not provide specific advice or recommendations on whether you should choose an HDHP or PPO plan. Our role is to share information about these options so you can make an informed decision based on your individual needs and circumstances.

Last updated: 10/08/2024