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 CLOSER LOOK AT YOUR MEDICAL OPTIONS

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 Generally 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%
Coinsurance	In-network: After you meet the deductible, plan pays 80% and you pay 20% Out-of-network: After you meet this deductible, plan pays 60% and you pay 40%
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. Services and prices will vary based on the carrier, telehealth provider and type of service selected. Access to comprehensive mental health resources, including an expanded network of diverse providers, through Spring Health. No-cost in-network has been extended through Dec. 31, 2024. *Note: Limitations apply in some states.*
Fertility Coverage Through Progyny	Progyny provides comprehensive fertility 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, 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%.
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
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 also may 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.

2024 Wellness Rewards

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.

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

Meet Ana

MY STORY

I just joined PNC this year — right out of college.
I’m single and loving it.
I live in western Pennsylvania with my parents.

I’M THINKING ABOUT

All the benefits PNC offers. Since this is my first “real” job, I’m still getting my head around how all the benefits fit together.
Exploring all the info on Pathfinder and pncbenefits.com. I had no idea there were so many tools on the enrollment site to help me choose! The Annual Enrollment Guide provided a great overview for me to understand all my options.
Whether to go on the medical plan my mom gets through her job. I’m eligible since I’m under 26, but think I’ll opt for PNC’s Health Choice instead because the network options work better for me. I can put money in my HSA to help cover any unexpected medical costs.
I downloaded the Castlight app so I can keep track of my medical claims, health care info and Wellness Rewards in one place. It’s easy to use, and I love that I can earn points by tracking my steps each day, then redeem my points for HSA contributions!

MY PICKS

Health Choice 2 (You only coverage)
- I’m pretty healthy and typically just go to the doctor for a checkup every year.
- I decided to go with the higher deductible since it means less money out of my pay and I don’t anticipate having many medical expenses next year.
- That way, I have more money in my pay, which I can put toward paying down debt.
Health Savings Account (HSA)
- Since I opted for the higher deductible plan, I opened an HSA and am contributing so I can build a cushion just in case something happens.
- I’m going to earn all the Wellness Rewards I can to help build my account balance. That’s up to $800 in HSA contributions!
- I’m eligible for the salary-based PNC contributions, too. That’s another $400.
- My dad had an HSA with his last company and is using some of that money now to pay for his medical expenses in retirement. I want to try to build up that kind of savings.
- It’s easy to check my balance on Castlight and watch my savings grow.
- The HSA Planning Tool on pncbenefits.com helped me decide how much to contribute from my pay. Nice to know I can change that amount during the year if I need to.
ISP 401(k)
- My mom has always told me to “get the company match!” So I’m in for 4% to start.
- My plan is to increase my contribution a little bit whenever I get a bump in pay.

Return to Stories

Things to Think About When Choosing

Take a look at your 2024 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 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 2024: Surgery? New baby? If you meet your medical plan’s annual deductible, it means PNC pays 80% of your remaining in-network charges for the rest of the year in the form of coinsurance.

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).