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Invest in Your Health
An HDHP, or High Deductible Health Plan, is a larger deductible, lower premium health insurance option available for your medical expenses. Unlike traditional plans that often have copayments and lower deductibles, HDHPs require you to pay more upfront for medical services until you reach your deductible, after which the plan covers eligible expenses.
What should I know about the HDHP?
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The HDHP, like the PPO plan, is administered by Blue Cross and Blue Shield of Alabama.
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You can utilize the same BCBS network whether you are in the state of Alabama or traveling out of state.
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The HDHP allows you to pair with a Health Savings Account (HSA) for tax advantages.
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There are higher out-of-pocket costs until you meet the deductible. However, the HSA can help offset some of these expenses with pre-tax dollars.
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For Auburn's HDHP plan, preventive care may be covered at no expense, even if you have not met your deductible. This can help you catch problems early and better manage your health.
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Plan Design
|
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In-Network Benefit |
|---|---|
|
Preventive Care |
The plan pays 100%. |
|
Deductible |
Single - $2,500/Family - $5,000 |
|
Coinsurance |
The plan pays 80% after the deductible is met, until it reaches the out-of-pocket maximum, then the plan pays 100%. (in-network) |
|
Out-of-Pocket Maximum |
Single - $5,000/Family - $10,000 |
2025 Premium Rates
HDHP premiums rates are significantly lower than PPO rates. However, the HDHP features higher deductibles than the PPO.
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Benefits are not paid by the HDHP until the annual deductible is satisfied.
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ACA-mandated preventive care benefits are still 100% paid with no copay or deductible.
These rates will be effective Jan. 1, 2025. Benefit deductions are made on a pre-tax basis, thus lowering your taxable income.
Employee Only
|
Pay Frequency |
Employee Pays |
|---|---|
|
Biweekly |
$50.83 |
|
Monthly |
$110.14 |
|
18-Pay |
$73.43 |
Employee + Spouse
|
Pay Frequency |
Employee Pays |
|---|---|
|
Biweekly |
$142.34 |
|
Monthly |
$308.39 |
|
18-Pay |
$205.60 |
Employee + Child(ren)
|
Pay Frequency |
Employee Pays |
|---|---|
|
Biweekly |
$96.59 |
|
Monthly |
$209.27 |
|
18-Pay |
$139.51 |
Family
|
Pay Frequency |
Employee Pays |
|---|---|
|
Biweekly |
$152.50 |
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Monthly |
$330.42 |
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18-Pay |
$220.28 |
Out-of-Pocket Maximum
The maximum out-of-pocket is $5,000 for Employee Only coverage and $10,000 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
If you enroll in the HDHP, you will pay the full retail price for your TigerMeds® prescriptions until you reach the deductible.
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A limited amount of preventive medications is covered under TigerMeds® prior to reaching the deductible. These include medications for heart disease, diabetes, blood pressure, cholesterol, contraception, bone density, respiratory diseases, SSRIs for depression/anxiety, and diabetic devices and supplies.
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After you reach the deductible, TigerMeds® will kick in and prescription copays will return to previous amounts.
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The deductible is inclusive of both pharmacy and medical expenses.
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.
