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 Neil

MY STORY

I’ve been with PNC for 12 years.
I’m 42 and live with my husband Maks in Cleveland.

I’M THINKING ABOUT

My health. I was recently diagnosed with type 2 diabetes, which means I need to make a lot of lifestyle adjustments. I know Castlight has some great articles and tips that can help me manage my lifestyle, and it promoted several diabetes and weight-loss programs available from PNC.
Seeing my physician and endocrinologist through my medical carrier, health coaching through GuidanceResources and joining a gym to help me manage my weight. Turns out just walking the dogs isn’t enough.
Switching medical options from Health Choice 2 to Health Choice 1.

MY PICKS

Health Choice 1 (You + 1 Adult)
- I’m switching to Health Choice 1 this year since I’ll be seeing my doctor more often and think we’ll benefit from the lower deductible and lower out-of-pocket maximum. I checked cost estimates for different types of care in Castlight and confirmed that we will probably hit the lower deductible this year.
- I’m going to enroll in the Virta diabetes reversal program through my PNC medical coverage, which provides diabetes supplies, personalized support and may even help me reverse my type 2 diabetes. I want to give this program a try and get a handle on my condition by using a clinically-proven nutritional program that may help lower my A1c and possibly reduce my expenses for diabetes medications.
- My husband Maks is a house painter. Because he’s an independent contractor and has no access to employer-sponsored insurance on his own, the working spouse contribution doesn’t apply for me.
Health Savings Account (HSA)
- I’ve been contributing the maximum to my HSA for years and had been planning to use it for retiree health care since I didn’t need it until now. Since my diagnosis, though, I think I may need to tap into my HSA for some of my annual health care expenses.
- I admit I haven’t participated in Living Well’s Wellness Rewards Program through Castlight yet, but I think now would be a good time to start. Maks can do the activities, too, and we can both focus on improving our health. Together we can earn up to $1,200 in my HSA. That’s serious money. I can even earn rewards for participating in health coaching and Virta!
- Since I plan to download Castlight to earn Wellness Rewards, I’ll also check out the other features I’ve heard about, and I’m glad I’ll be able to track my health care expenses and access my doctor’s contact information and insurance card all in one place.
ISP 401(k)
- I’m not a financial guy, so I use the professional investment advice PNC offers ISP 401(k) participants through Alight Financial Advisors. I took their advice and increased my ISP 401(k) contribution.
- I like to use the “Project Your Retirement Income tool" in Pathfinder. It is good to see if I'm on track toward achieving my financial goals.

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).