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).

2022 Health Plan Comparison Chart

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

If you cover yourself only: $1,400
If you cover any family members: $2,800

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%


Telemedicine service that gives you and your covered family members convenient, affordable access to a board-certified doctor by phone or online. Medical consultations are available 24/7 via phone or video, dermatology is available 24/7 and behavioral health consultations are available 7 a.m. to 9 p.m. every day via video or phone. Note: Limitations apply in some states. 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. All fees can be paid from your HSA and are subject to your medical plan deductible, coinsurance and out-of-pocket maximum. That means you’ll pay the full cost of these services until you’ve met your deductible, then only 20% of the regular fee after that until you meet the out-of-pocket maximum.

If eligible, you can even earn Wellness Rewards when you register for Teladoc or complete a consultation. Register and/or log in to Castlight for details.

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.

Limited mental health counseling services through the Employee Assistance Program are also available at the Well-being Centers.

Onsite EAP counselors are also available on a monthly basis at each of PNC’s onsite Well-being Centers.

To align with other Living Well offerings, Biometric Screenings, flu shots and health education events are available at the Well-being Centers 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%

Non-emergency treatment is not covered in the ER.

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, 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 Rewards Program through Living Well.

Learn more

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 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

*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 $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

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

Meet Chris

  • I’ve been with PNC for nine years.
  • I’m a 34-year-old single mom with two school-age sons, one of whom is on the spectrum.
  • I’m taking online classes in business management to finish my college degree and advance my career.
  • How to get the most value from PNC’s plans. PNC News Online articles and the Reel Talk podcasts have really helped me understand my benefits better.
  • Wishing I could save more money, but the Wellness Rewards I earn through Living Well by completing wellness activities and the company’s contributions to my HSA, ISP 401(k) and Pension are nice benefits!
  • How happy I am that PNC has an Educational Assistance Program that makes my tuition more affordable, and a back-up child care program to help me find short-term care for my kids when schools are closed or other surprises happen.
  • It’s great to know that medically-necessary therapy isn’t limited to a set number of sessions, which makes it easier for my son to get the therapy he needs, regardless of which medical option I pick.
  • Health Choice 1 (You + Child(ren) coverage)
    • I’m willing to pay more in payroll contributions in exchange for a lower deductible and out-of-pocket maximum because I typically hit the deductible every year.
    • I know I’m making the right choice since I was able to see my medical claims history in Castlight and confirm that I met the medical deductible pretty early in the year, so I’m likely to hit it easily again next year.
    • Both my sons are active in sports and seem to get some kind of injury every year. I have their doctor, Teladoc and the urgent care center all in my important contacts. The Castlight app makes it easy for me to search for quality in-network providers on the go!
  • Health Savings Account (HSA)
    • I love having an HSA and I contribute $50 from each pay. It comes in handy when one of us needs to see the doctor or fill a prescription.
    • I always complete wellness activities to earn the maximum Wellness Rewards each year. There’s no way I’m going to miss out on an extra $800 in my HSA.
    • I am grateful that PNC makes salary-based contributions to my HSA, too. I earn less than $50,000 right now, so I’m getting $900 a year in company contributions.
    • I like that my HSA helps me cover my deductible and other costs — especially unexpected expenses.
  • ISP 401(k)
    • The ISP 401(k) is important to me, too. Being a single mom, I have only myself to rely on, and I don’t want to leave my financial future to chance.
    • I started using the Automatic Increase Option this year. It automatically increases the amount I save each year. I’m currently saving 5% of my salary and set my target contribution rate at 10%. I’ll get there eventually!
    • I check my balance on Pathfinder every time I get paid. The 4% company match — plus the minimum match — really helps my account grow. The minimum earnings credit to my pension plan helps, too!
    • I have a friend who took a loan from her 401(k) to put toward her son’s college tuition. I saw a calculation once that showed how hard it is to catch up on lost savings after taking a loan, so I want to avoid doing that if I can.