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.
|2019 IRS Limits for Health Savings Accounts|
|You only||You + one or more family members|
|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.
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:
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 check out the Enrollment Hub on PNC News Online. 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.
Access from the enrollment website via Pathfinder.
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 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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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.
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.
|Health Choice 1||Health Choice 2|
If you cover yourself only: $1,350
If you cover yourself only: $2,500
|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%
*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.
ANNUAL AMOUNT OF WELLNESS CREDITS AVAILABLE FOR COMPLETING WELLNESS INCENTIVE ACTIVITIES THROUGHOUT THE YEAR
|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|
|Up to $500 for additional activities||Up to $300 for additional activities|