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 yourself only: $2,500 |
| 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% |
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| 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% |
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| 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. |
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| 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 |
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| 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.
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| 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:
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If you cover yourself only: $5,000 must be met before you’re covered at 100% If you cover any family members:
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| 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%
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*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.
Meet Russell
- My wife stays home to care for our two children, so we’re a one-income family.
- She’s pregnant with number three!
- I’ve been experiencing some hearing loss recently and was told that I would benefit from hearing aids, but haven’t yet looked into that.
- Between current and future expenses, we need to review our budget and make some tough decisions about spending.
- Adding a new child to my coverage.
- Which medical option is a better pick for me, knowing childbirth is a big ticket item.
- Support for my wife both during and after the pregnancy.
- Finding out what type of vision coverage I want.
- How I can start building a balance in my HSA instead of using it all for current medical costs.
- Health Choice 1 (You + Family coverage)
- It has a lower family deductible — $3,200 versus $5,000 in Health Choice 2. I figure between my wife’s pregnancy and miscellaneous doctor visits for the kids, we’ll hit the deductible early in the year, which means the plan’s coinsurance will kick in sooner.
- It has a lower out-of-pocket maximum. My wife’s pregnancy and delivery of the baby will probably allow her to hit the individual out-of-pocket max, based on the cost estimates I looked up in Castlight. That means the rest of her eligible expenses will be covered in full. We may even hit the full family max if we stay in-network.
- With our third child on the way, my wife downloaded the Ovia Health mobile app for support during her pregnancy and after. Through the app, she can message with experts, including registered nurses, lactation consultants and health coaches. After our little one arrives, she can access information about PNC's family benefits and programs.
- Vision coverage
- We already had vision coverage, but I am interested in learning more about the discount for LASIK coverage through UHC. I’ll be contacting UHC and talking to my provider about that.
- Health Savings Account
- Love the tax savings.
- I'll start out contributing the maximum every year (spaced out over each pay), knowing I can adjust my contribution during the year if I need to. I'll even invest a portion of my HSA balance to make the most of the tax advantages that the account offers!
- My wife and I both plan to complete enough wellness activities to earn the full $1,200 in Wellness Rewards deposited in my HSA.
- ISP 401(k)
- I sock away 10% of my salary.
- I check my account a couple of times a year to see how things are going.
- Commuter Benefits
- It’s another tax savings opportunity, and I like how payments can be sent directly to my parking garage to pay my monthly lease — the flexibility to adjust my contributions each month makes it easy to use, too.