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: $1,500 If you cover any family members: $3,000	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%
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
Telehealth	You and your covered family members have access to convenient, affordable and in-network board-certified doctors by phone or video. Highmark and UnitedHealthcare partner with multiple telehealth providers for easy access to convenient care. Prices will vary based on the carrier, telehealth provider and type of service selected. No-cost in-network has been extended through Dec. 31, 2024. *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, 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 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 Marilyn

MY STORY

I’ve been with PNC 33 years.
My husband and I recently became guardians for our two young grandchildren, ages 6 and 8.
My husband just retired but isn’t eligible for Medicare yet.
I’m looking forward to retirement, too, but it’s still a couple of years out.

I’M THINKING ABOUT

Adding my husband to my coverage for the first time because he’s retired but isn’t yet eligible for Medicare. For us, PNC’s coverage offers better options than the healthcare exchange.
Adding my grandchildren to my coverage as dependents. I was happy to hear our legal guardianship makes this possible.
The Castlight app helps keep me motivated to stay active so I can keep up with my grandchildren. The kids like to join me for exercise when I compete in a challenge on Castlight!
I’m making an appointment with a financial advisor through GuidanceResources to get objective financial guidance, for free.
As a breast cancer survivor, I take advantage of all of the covered preventive care exams and screenings.

MY PICKS

Health Choice 2 (You + Family coverage)
- I used to have coverage for myself only, but now I need to switch to family coverage. I like knowing that Castlight will help me keep track of my family’s coverage and claims all in one place.
- I’m switching from Health Choice 1 to Health Choice 2 because the contributions are lower, and I’d rather put that extra money in my HSA right now since I’m not expecting any big expenses this year.
Health Savings Account (HSA)
- I already built up a decent balance in my HSA to cover the deductible and other medical costs if something unexpected happens.
- I’m going to keep contributing the maximum to my HSA to try to keep it growing to use in retirement, and to invest a portion of my balance. I’m also going to take advantage of the extra $1,000 catch-up contribution since I’m over 55.
- I also plan to earn the maximum rewards available through Living Well. Together with my husband, we expect to earn up to $1,200 deposited to my HSA by completing eligible wellness activities through Castlight.
ISP 401(k)
- I’ve been putting 10% of my salary into the ISP 401(k), plus extra catch-up contributions, but this year I’m pulling back to 6%.
- I’ll still get the full PNC company match, and this change won’t derail my savings goal very much. But it will give us a little breathing room with new, child-related expenses this year — though, the back-up childcare program offered through Bright Horizons has been a real savior to secure an affordable babysitter in a pinch!

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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).