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).
Feature | Health Choice 1 | Health Choice 2 |
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Annual Deductible** | If you cover yourself only: $1,500 |
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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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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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. |
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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 |
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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%. | |
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* |
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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.