Health & Life Insurance


PNC’s vision benefits for full-time and part-time employees cover eye exams, eyeglasses and contact lenses. Vision benefits are provided through the Davis Vision network and include an annual eye exam paid 100 percent after a $15 copayment when you see an in-network provider. This chart is a high-level summary of vision coverage features. For more detailed coverage information refer to the PNC Vision Benefits Summary Plan Description (SPD).

Item & Frequency In-Network Out-of-Network
Eye Exam
Once every calendar year
  • You pay $15 copayment
  • Plan pays the rest
  • Plan pays up to $30
  • You pay the rest
Once every calendar year

For Davis Vision Collection fashion or designer frames

  • Plan pays 100%

For Davis Vision Collection premier frames

  • You pay $25 copayment
  • Plan pays the rest

For provider-supplied frames

  • Plan pays up to $130 plus 20% off any balance1
  • You pay the rest

For Visionworks frames2

  • Plan pays up to $180 plus 20% off any balance
  • You pay the rest
  • Plan pays up to $50
  • You pay the rest
Eyeglass Lenses
Once every calendar year

Instead of contact lenses, you may choose:

Plastic/glass single vision, bifocal, trifocal or lenticular lenses in any prescription range

  • You pay $15 copayment
  • Plan pays the rest

Includes fitting of eyeglasses and follow-up adjustments

See below for additional lens options and coatings.

  • Plan pays up to $30
  • You pay the rest
Lens Options
Discounted fees in-network on optional lens types and coatings

You pay copayment shown; Plan pays the rest

Oversize Lenses: $0

Scratch Protection: $0

Ultraviolet Coating: $12

Anti-Reflective Coating:

  • Standard: $35
  • Premium: $48
  • Ultra: $60

Polycarbonate Lenses: $04–$30

High-index Lenses: $55

Progressive Lenses:

  • Standard: $50
  • Premium: $90
  • Ultra: $140

Polarized Lenses: $75

Intermediate Lenses: $30

Photochromic Lenses:

  • Glass: $20
  • Plastic: $65

Scratch Protection Plan:

  • Single Vision: $20
  • Multifocal Lenses: $40

  • You pay the full cost
Contact Lens Evaluation, Fitting and Follow-up Care
Once every calendar year with the purchase of contact lenses through Davis Vision

With purchase of standard, soft or Davis Vision Collection3 contacts:

  • Plan pays 100%

With purchase of specialty contacts

  • Plan pays up to $60 plus 15% off any balance1
  • You pay the rest
  • You pay the full cost
Contact Lenses
Once every calendar year, instead of eyeglasses

For Davis Vision Collection2 contacts, plan pays 100% up to:

  • Planned replacement: Two boxes/multi-packs
  • Disposable: Four boxes/multi-packs

For other elective contact lenses

  • Plan pays up to $130 plus 15% off any balance1
  • You pay the rest

For medically necessary contacts, with prior approval

  • Plan pays 100%
  • Plan pays up to $50
  • You pay the rest
Other Features
  • Low vision services are covered both in-network and out-of-network, with prior approval, up to the plan maximum.
  • You have access to laser vision correction services (LASIK) at discounted fees through Davis Vision participating providers.

1Additional discounts not applicable at Walmart, Sam’s Club or Costco locations.

2The Davis Vision Collection is available at most participating independent provider locations. Collection is subject to change. Collection is inclusive of select toric and multifocal contacts.

3Including, but not limited to toric, multifocal and gas permeable contact lenses.

4For dependent children, monocular patients and patients with prescriptions of +/- 6.00 diopters or greater.

5Allowance is available at these Visionworks family of store locations: Davis Vision, Empire Vision Centers, Total Vision Care, EyeMasters, Cambridge Eye Doctors, Vision World, Dr. Bizer’s Vision World, Eye Dr, Dr. Bizer’s Valu Vision, Doctor’s Valu Vision, Hour Eyes, Visionworks.

To find network providers

  • Go to and log in to the Member Portal if currently enrolled. Otherwise, select Members > Open Enrollment and enter client code 4071. Use the Find a Doctor tool to search for providers.
  • Call Davis Vision: If currently enrolled, call 800-999-5431; otherwise, call 877-923-2847 and enter client code 4071. Representatives are available weekdays from 8 a.m. to 11 p.m.; Saturday from 9 a.m. to 4 p.m.; and Sunday from noon to 4 p.m., all ET.

For additional details: Contact Davis Vision or visit the PNC Vision Benefits SPD.