2019 Annual Enrollment

View your 2019 benefit information below.


PNC’s benefits and programs are a big part of your total rewards as a PNC employee. How big? Go to Pathfinder > Your Total Rewards to see for yourself. One look will show you why it’s so important to learn about your options and make informed decisions about the benefits you choose and how you use them.

Annual enrollment for your 2019 benefits is Nov. 1-16, 2018. This is your once-a-year opportunity to enroll or make changes to your benefits for the coming year, so take advantage of it!

This year, there are a few changes and enhancements to think about.

  • Medical: Contribution change and diabetes support.

    • Per-pay contributions. Although PNC was able to avoid a per-pay contribution change for medical coverage for 2018, contributions will increase slightly in 2019, in line with health care cost increases nationally. You’ll be able to see the complete list of rates on the Enrollment Hub section of News Online starting Oct. 16, and on the enrollment website through Pathfinder starting Nov. 1
    • Personalized diabetes care. If you’re enrolled in a PNC medical option and you and/or your covered family members have diabetes, you’ll have access to CVS Caremark's Transform Diabetes Care Program. It provides personalized health coaching and support from certified diabetes educators, plus a digital glucometer and test strips at no cost through Livongo. You don’t need to take any action during annual enrollment. If eligible, you can expect to receive more information from CVS Caremark in 2019.

    Earn Wellness Credits for 2019

    The Wellness Incentive Program through Living Well will continue in 2019, with no changes.
    • Earn up to $600 in your HSA; your covered spouse/domestic partner can earn another $400.
    • Or earn up to $100 cash if you’re not enrolled in a PNC medical option or don’t have the associated HSA.
    • The wellness incentive activities and credits for 2019 are the same as 2018. Just complete a confidential online Health Assessment to start earning.
    • Eligible activities completed after 5 p.m. ET Dec. 15, 2018, will apply toward your 2019 wellness incentives.
  • Employees in Western Pennsylvania (and other areas impacted by the Highmark/UPMC dispute):

    In 2014, Highmark and UPMC signed a Consent Decree that provides participants covered by Highmark with limited in-network access to certain UPMC providers. The Consent Decree is scheduled to end June 30, 2019. If you choose Highmark as your medical carrier for 2019, your access to UPMC providers after June 30 will be significantly limited.

    Visit Highmark’s informational website (www.highmarkanswers.com) or call My Care Navigator at 888-258-3428 for information about which providers and facilities will be in- and out-of-network and how to transition care. Also, the Office of the Attorney General for the Commonwealth of Pennsylvania has a UPMC/Highmark dedicated helpline at 844-743-2015 (8:30 a.m. to 5 p.m. ET weekdays). Starting Oct. 16, visit the Enrollment Hub for additional related links.
  • Health Savings Account (HSA): Save more in 2019.

    IRS contribution limits are increasing for 2019, which means you can set aside more money to help cover your deductible and other eligible health care expenses now, and start saving for future eligible expenses, even in retirement. The contribution limits are based on whether you elect medical coverage for yourself only or if you cover any eligible family members.
    2019 IRS Limits for Health Savings Accounts
    You only You + one or more family members
    ($50 increase)
    ($100 increase)
    Catch-up contribution (age 55 and older) remains $1,000

    Remember: This limit applies to your contributions plus any contributions from PNC (which remain the same in 2019), including up to $1,000 in wellness credits through Living Well, plus PNC salary-based HSA contributions, if eligible, so plan accordingly when you make your election during Annual Enrollment (you also can change your HSA contributions anytime during the year). Refer to page 5 of the HSA User Guide for contribution amounts and other details.

  • Dental and Vision: More options and expanded coverage.

    • Dental Maintenance Organization (DMO) will still be available. Although last year PNC expected to discontinue the DMO at the end of this year, you’ll continue to have three dental plan options — including the DMO (if available in your location) — for 2019. Go to pncbenefits.com > 2019 Annual Enrollment to learn more about your dental options.
    • Part-time benefit enhancements. Part-time employees will have access to the same dental and vision options as full-time employees (at the same rates) for 2019. Learn more about this coverage at pncbenefits.com > 2019 Annual Enrollment > 2019 Part-Time Overview. If you are currently enrolled in part-time dental or vision coverage, that coverage will end automatically Dec. 31, 2018. To have dental and/or vision coverage for 2019, you must elect new coverage during annual enrollment.
  • Live Chat: Real-time Q&A on the enrollment website.

    During annual enrollment, you can use the new Live Chat feature to get your enrollment questions answered on the spot. (For your protection, do not enter personal health information, your Social Security number or payment methods in the chat window.)
  • Enrollment Hub: Connect from the home page of PNC News Online from Oct. 16 through Nov. 16.

    If you’re looking for something related to annual enrollment, you’ll find it in the Hub.
  • Prepare4Life Information Sessions: Take a closer look at your dental benefits, get the scoop on HSAs and dive into Benefits Bootcamp.

    It’s all coming your way later this month. Watch PNC News Online for details.

If you don’t enroll

Tempted to let your benefits roll over on cruise control? Don’t. You’d be missing this once-a-year opportunity to customize your benefits and programs to meet your changing needs. You also need to consider the following:

  • You'll pay the tobacco-user contribution for medical coverage starting with the first pay in January 2019, unless you take specific action before then.
  • Your HSA and DCRA contributions will reset to $0. If you want to make pretax contributions to your Health Savings Account (HSA) or Dependent Care Reimbursement Account (DCRA), effective with the first pay in January, you must make this election each year. (While DCRA elections can only be made or changed during annual enrollment or with a qualified life event, you can start, stop or change your HSA contribution election anytime.)
  • You will not be able to buy extra vacation days for 2019. If you’re eligible and want to buy vacation days, you must make a new election each year during annual enrollment.

Learn more and get started

Don’t wait until annual enrollment begins Nov. 1 to start thinking about your options. Explore the 2019 annual enrollment section of this site now, and watch for the Enrollment Hub on PNC News Online Oct. 16. It’s your one stop shop for everything you need to make your benefit elections for the coming year.

Use the tools and resources here, under the Annual Enrollment Resources sidebar, on Pathfinder and through the enrollment website to help you make your benefits decisions.


  • HSA Planning Tool — Coming Soon: Updated for 2019 — see how contributions can add up in a Health Savings Account.
  • Benefit stories: Gain insights into making your benefits choices by learning how your decisions might vary depending on your personal situation.

Access from the enrollment website via Pathfinder.

  • Health Plan Comparison Charts
    View a side-by-side comparison of the 2019 medical options and carriers.
  • Per-Pay Cost Comparison
    Learn how your elections could impact your payroll deductions.
  • Reimbursement Account Estimator
    Decide the amount you want to contribute to the Dependent Care Reimbursement Account (DCRA) in 2018.
  • Life Insurance Estimator
    Determine the amount of optional coverage you should elect to protect your family against financial hardship.
  • Find a Provider in Your Network:
    • Aetna — Aetna Choice POS II (Open Access) — aetna.com
    • Highmark Blue Cross Blue Shield* — BCBS PPO — highmarkbcbs.com
    • UnitedHealthcare — UnitedHealthcare Choice Plus — uhc.com

Once enrollment begins Nov. 1, 2018, you can enroll through Pathfinder (from the PNC intranet or directly to pncpathfinder.com) > Benefits> Annual Enrollment). Just click the calendar reminder at the top of the page or the Enroll button in the Benefits box in the middle of the page.

See your 2019 Annual Enrollment Guide (coming soon) for the steps to follow.

While employee pretax HSA payroll contributions are made possible under the terms of the PNC Group Benefit Plan, the HSA itself is not part of the PNC Group Benefit Plan, is not covered by the Employee Retirement Income Security Act of 1974, as amended (ERISA), and is offered by PNC Bank, National Association, independent of the PNC-sponsored employee benefit programs. Although PNC intends to continue its contribution to the HSA, it reserves the right to change, modify, amend or terminate this at any time and for any reason.

None of the information in this article should be interpreted as a binding commitment on PNC’s part with respect to participation in any PNC benefit plans/programs. In addition, PNC’s official plan documents and employment policies govern the terms and conditions of each benefit plan or policy and will control in the event of a discrepancy between this information and the official plan documents. PNC reserves the right to change or terminate its benefit plans and policies at any time.

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Benefit Stories: Can You Relate?

Learn how people like you make their enrollment decisions.

What’s your story? Each of us has reasons we make the choices we do. That’s true in life and when it comes to the benefits we choose. Click a photo below to see what others may be thinking about when it’s time to enroll. * You may find some new ideas to consider.

Take a look at your 2019 options and decide which plans work best for your situation and budget. Before making your elections:
  • Compare your PNC coverage to the costs and coverage offered by your spouse/domestic partner’s employer, if applicable.
  • Check to make sure your preferred doctors and other providers are still in your carrier’s network.
  • Review your typical annual health care expenses (medical, prescription, dental, vision). How much do you usually spend?
  • Think about any new, anticipated expenses for 2019: Surgery? New baby? If you meet your medical plan’s annual deductible, it means PNC pays 80 percent of your remaining in-network charges in the form of coinsurance until you meet your out-of-pocket maximum for the year.

Consider increasing your contributions to your 401(k) and/or HSA to maximize your tax-free savings. And take advantage of catch-up contributions when you become eligible (at age 50 for the 401(k) and age 55 for the HSA).

This chart shows in-network benefits under both the Health Choice 1 and Health Choice 2 plans. For information about out-of-network benefits, please refer to the Medical Benefits SPD.

2019 Health Plan Comparison Chart

Health Choice 1 Health Choice 2
Feature In-Network* In-Network*
Annual Deductible**

If you cover yourself only: $1,350
If you cover any family members: $2,700

If you cover yourself only: $2,500
If you cover any family members: $5,000

Preventive Care Based on federal guidelines

In-network: 100% covered; deductible does not apply

Out-of-network: After you meet the deductible, plan pays 60% and you pay 40%


In-network: After you meet the deductible, plan pays 80% and you pay 20%

Out-of-network: After you meet the deductible, plan pays 60% and you pay 40%

Teladoc Telemedicine service that gives you and your covered family members convenient, affordable access to a board certified doctor by phone or online. Phone consultations are available 24/7. Video consultations are available from 7 a.m. to 9 p.m. ET every day. You save time and money: regular medical visits are $40, dermatology visits are $75 and behavioral health support is $80 to $160, depending on the service.
Well-being Centers (Pittsburgh and Miamisburg) Available to you and your covered family members age 2 and up for primary care, preventive and urgent care, physical therapy, chronic condition support, immunizations and more. Services are billed the same way as any other health care provider.
To align with other Living Well offerings, Biometric Screenings and flu shots are available at the Well-being Centers for all employees. This means you can take advantage of these services even if you’re not enrolled in a PNC medical option. Health education events are open to all employees as well. There is no cost to you for these services. Note: Family members must be covered under a PNC medical option to use any Well-being Center services.
Emergency Room (ER) Non-emergency treatment is not covered in the ER. After you meet the deductible, plan pays 80% and you pay 20%
Annual Out-of-Pocket Maximum (includes deductible)

If you cover yourself only: $3,000 must be met before you’re covered at 100%

If you cover any family members: any individual who meets $3,000 is covered at 100%; all other family members are not covered at 100% until family expenses total $6,000

If you cover yourself only: $5,000 must be met before you’re covered at 100%

If you cover any family members: any individual who meets $6,850 is covered at 100%; all other family members are not covered at 100% until family expenses total $10,000

Health Savings Account (HSA) If eligible, the HSA lets you set aside pretax dollars to pay for current eligible health care expenses and/or save for future eligible expenses. You choose how much to contribute (up to IRS limits) and can change your contribution at any time. PNC and Living Well also may contribute to your HSA. Learn more about the eligibility rules, how the HSA works and PNC's and Living Well's contributions.
Prescription Drug Coverage***

Preventive care drugs: Deductible does not apply; you pay 20%

Health Care Reform preventive care drugs: Deductible does not apply; you pay nothing (plan pays 100%)

All other covered drugs: After you meet the deductible, you pay 20%

  • If you use an out-of-network pharmacy, you must pay the full price and submit a claim to receive reimbursement.
  • To see the lists of preventive-care drugs, requirements for drugs in the CVS/Caremark Maintenance Choice and/or Generic Step Therapy programs, or details about drugs that require pre-authorization, visit caremark.com.

*In-network providers agree to accept negotiated rates.

**Deductible and coinsurance apply to eligible medically necessary medical and prescription drug expenses. However, covered in-network preventive care and qualified preventive-care prescription drugs are covered in full without having to meet the deductible or pay coinsurance. If you cover any family members, the full family deductible must be met before expenses are paid for any individual.

***Subject to the terms of the plan. Please see the Prescription Drug Program section in the Medical SPD for additional information.


For a covered employee* For a covered spouse/domestic partner*
Up to $600 Up to $400
$100 for free online Health Assessment $100 for free online Health Assessment
and and
Up to $500 for additional activities Up to $300 for additional activities
*If you’re enrolled in a PNC medical option, the Wellness Incentive Program offers you and your covered spouse/domestic partner these wellness credits deposited as dollars in your HSA. If you are not enrolled in PNC's medical benefits or not eligible for an HSA, you can earn up to $100 in wellness credits as taxable cash in your regular PNC pay as activities are completed. Learn more
*These stories are fictional and are for illustrative purposes only.

Meet Russell

  • My wife stays home to care for our two children, so we’re a one-income family.
  • She’s pregnant with number three!
  • Between current and future expenses, we need to sharpen our budget and make some tough decisions about spending.
  • Adding a new child to my coverage next year.
  • Which medical plan is a better pick for me, knowing childbirth is a big ticket item.
  • How I can start building a balance in my HSA instead of using it all for current medical costs.
  • Health Choice 1 (You + Family coverage)
    • It has a lower family deductible — $2,700 versus $5,000 in Health Choice 2. I figure between my wife’s pregnancy and miscellaneous doctor visits for the kids, we’ll hit the deductible early in the year, which means the plan’s coinsurance will kick in sooner.
    • It has a lower out-of-pocket maximum. My wife’s pregnancy and delivery of the baby will probably allow her to hit the individual out-of-pocket max, which means the rest of her eligible expenses will be covered in full. We may even hit the full family max.
  • Health Savings Account
    • Love the tax savings.
    • I start out contributing the maximum every year (spaced out over each pay), knowing I can adjust my contribution during the year if I need to.
    • My wife and I both complete enough wellness incentive activities to earn the full $1,000 in wellness credits deposited in our HSA throughout the year.
  • ISP 401(k)
    • I sock away 10% of my salary.
    • I check my account a couple of times a year to see how things are going.
  • Commuter Benefits
    • It’s another tax savings opportunity, and I like how payments can be sent directly to my parking garage to pay my monthly lease.