For information about annual benefits enrollment and your 2025 benefits, please visit yourpnctotalrewards.com — a new, personalized way to explore your options and enroll.

This website — pncbenefits.com — will be decommissioned Jan. 1 and contains information about your current (2024) benefits only.

New to PNC?

Welcome to PNC! We’re glad you’re a part of our team.

We value teamwork, integrity and quality of life. You can be proud to work at PNC, and we want to help you fulfill your career goals. PNC offers a range of valuable benefits to cover your health care needs (medical, dental and vision) and support you in other areas of your life, now and into the future.

There are some benefits you receive automatically when you’re hired and some in which you need to enroll. As a new hire, if you plan to enroll in coverage, you must do so within 31 days of your hire date. You will then have the opportunity to update your annual elections each fall during annual enrollment.

Looking for a helpful introduction to PNC’s benefits & programs? Refer to the summary below for a basic overview, then watch this 5-minute video to welcome you to PNC and check out the Benefits Enrollment Guide for New Hires for important details.

Key Benefits and Programs at a Glance

Eligibility for some benefits is based on length of service. For more information about any of the benefits and programs listed below, click the desired link to jump to the associated web page or refer to the Summary Plan Descriptions for details.

Eligibility for some benefits is based on hours worked and other criteria. For more information about any of the benefits and programs listed below, click the desired link to jump to the associated web page or refer to the Summary Plan Descriptions for details.

You Enroll In
You Get Automatic Coverage/Access (if eligible)
You Can Choose Later (if eligible)

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.

This chart focuses primarily on in-network benefits under both Health Choice 1 and Health Choice 2. For information about out-of-network benefits, please refer to the Medical Benefits Summary Plan Description (SPD).

2024 Health Plan Comparison Chart

Feature Health Choice 1 Health Choice 2
Annual Deductible**

If you cover yourself only: $1,600
If you cover any family members: $3,200

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

Eligible Preventive Care (based on federal guidelines)

100% covered; deductible does not apply

Coinsurance

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 $3,200 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

Telehealth

You and your covered family members have access to convenient, affordable and in-network board-certified doctors by phone or video. Highmark and UHC partner with multiple telehealth providers for easy access to convenient care, and Spring Health offers comprehensive mental health resources and an expanded network of diverse providers. You also may request telehealth appointments with your regular in-network providers, if available. Services and prices* will vary based on the carrier, telehealth provider and type of service selected.

* If you are enrolled in PNC's medical coverage, you and any covered family members can access all in-network telehealth at no out-of-pocket cost through Dec. 31, 2024. This includes virtual visits through Teladoc and other telehealth providers available through your medical carrier, plus PNC's Well-being Centers and other in-network providers (including specialists) that offer telehealth services.

Note: Limitations apply in some states.

Fertility Treatment Through Progyny

Progyny provides comprehensive fertility treatment coverage for all paths to parenthood, leveraging the latest technologies and treatments, access to high-quality care through a premier network of fertility specialists, and personalized support and guidance from dedicated Patient Care Advocates (PCAs).

If you're enrolled in PNC's medical coverage, you automatically have access to Progyny fertility coverage. Call Progyny at 844-930-3285 if you have questions or to connect with a PCA for personalized support.

Well-being Center in Pittsburgh (Firstside)

If you live in or are visiting the Pittsburgh area and are enrolled in PNC’s medical coverage,* the Well-being Center at Firstside is 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.

Limited mental health counseling services through the Employee Assistance Program (EAP) are offered as well; an onsite EAP counselor is available for appointments.

*To align with other Living Well offerings, Biometric Screenings, flu shots and health education events are available at the Well-being Center for all employees, at no cost to you. This means you can take advantage of these services even if you’re not enrolled in a PNC medical option. Note: Family members must be covered under a PNC medical option to use any Well-being Center services.
Emergency Room (ER) After you meet the deductible, plan pays 80% and you pay 20%.
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, but no more than once a month (changes are effective as soon as possible in the month following). PNC may also contribute to your HSA, based on your salary and if you participate in the Wellness Incentive Program through Living Well. Learn more about the HSA.
Prescription Drug Coverage***

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

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

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 covered 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.

ANNUAL WELLNESS REWARDS AVAILABLE FOR COMPLETING ELIGIBLE WELLNESS ACTIVITIES THROUGHOUT THE YEAR

For a covered employee* For a covered spouse/domestic partner*
Up to $800 Up to $400

*You must be enrolled in a PNC medical option and eligible to participate in the PNC BeneFit Plus HSA to receive HSA contributions from PNC. Learn more about Wellness Rewards

*These stories are fictional and are for illustrative purposes only.