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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.
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Plan Design
| In-network benefit | Plan details |
|---|---|
| Preventive care | The plan pays 100%. |
| Primary care physician visit | $30 copay |
| Specialist office visit | $40 copay |
| Inpatient facility services | $300 copay |
| Outpatient facility services | $300 copay |
| Emergency room facility services | $300 copay |
| Annual deductible | $500 per person, with a three-person family maximum |
| Out-of-pocket maximum | $12,000 for individual coverage $24,000 for family coverage |
After you reach the applicable out-of-pocket maximum, the plan pays 100% of the allowed amount for covered services for the remainder of the year.
2027 Premium Rates
| Pay schedule | Employee only | Employee + spouse | Employee + child(ren) | Family coverage |
|---|---|---|---|---|
| Paid every two weeks | $120.72 | $340.78 | $229.44 | $378.12 |
| Paid monthly | $261.57 | $738.35 | $497.13 | $819.27 |
| 18-pay schedule | $174.38 | $492.23 | $331.42 | $546.18 |
| Monthly increase from 2026 | $3.31 | $10.70 | $6.43 | $39.64 |
All rates are deducted every pay period, effective Jan. 1, 2027.
Out-of-Pocket Maximums
Out-of-pocket maximums for Auburn’s PPO plan will increase for the 2027 plan year. The table below compares the 2026 and 2027 amounts.
On a smaller screen, scroll horizontally to view all table details.
| Coverage level | 2026 maximum | 2027 maximum |
|---|---|---|
| Employee-only coverage | $9,200 | $12,000 |
| Family coverage | $18,400 | $24,000 |
TigerMeds
Prescription drug co-payment tiers/coverage will remain the same in 2027. 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.
