Does PNC cover IVF?
What PNC publishes about fertility benefits for its US employees, in its own words, with the page each statement is on.
- Benefit pages read · checked 16 h ago
PNC says it offers fertility benefits to eligible US employees, but its public pages do not say whether IVF is included or how much is covered. PNC does not say on its public pages whether part-time workers qualify (employees and covered family members must be enrolled in PNC's medical coverage). The benefit is run by Progyny.
What PNC says it covers
Read on Oct 11, 2026. The words in quotation marks are the source's own.
Fertility treatment is covered; IVF is not named
“Employees enrolled in medical (and eligible spouses/domestic partners) have access to comprehensive fertility and menopause support through Progyny.”
PNC does not state a dollar or cycle limit on its public pages. That does not mean the benefit is unlimited: the limit is in the plan document its benefits center can send you.
Run by Progyny
Progyny administers the fertility benefit for PNC, so it is the one to call about which clinics are in network and what needs approval first.
“Employees enrolled in medical (and eligible spouses/domestic partners) have access to comprehensive fertility and menopause support through Progyny.”
Can part-time PNC workers use it?
Eligibility decides whether a benefit is worth taking a job for, so this is the line to confirm before anything else.
PNC does not say on its public pages whether part-time workers qualify (employees and covered family members must be enrolled in PNC's medical coverage).
You have to be enrolled in a PNC medical plan to use the benefit, so its premiums and deductible are part of what the coverage costs you.
“Employees (and covered family members) must be enrolled in PNC’s medical coverage to access benefits listed here.”
Six things to ask PNC before you count on it
A public benefits page is a summary. The plan document for your own plan and location is what the plan pays by.
- 1.What is the lifetime maximum, and do fertility drugs count toward it or have their own limit?
- 2.When does coverage start after my hire date, and how many hours a week do I need to keep it?
- 3.Do I need an infertility diagnosis, or prior authorization, before treatment is covered?
- 4.Which fertility clinics near me are in network, and what do I pay if mine is not?
- 5.What are the deductible, the coinsurance and the out-of-pocket maximum on the plan the benefit sits in?
- 6.Are egg freezing, donor eggs or sperm, genetic testing of embryos and embryo storage covered?
State insurance laws reach only fully-insured plans, and 67% of covered US workers are in self-funded employer plans, which set their own fertility benefits whatever the state requires. About 50% of employers with 500 or more workers now cover IVF. A large employer's plan is usually self-funded (80% of covered workers at large firms are in one), so what PNC chooses to cover matters more than your state's IVF insurance law.
PNC and IVF: common questions
Does PNC cover IVF?
PNC says it offers fertility benefits to eligible US employees, but its public pages do not say whether IVF is included or how much is covered. PNC does not say on its public pages whether part-time workers qualify (employees and covered family members must be enrolled in PNC's medical coverage). The benefit is run by Progyny. Read on PNC's own benefit pages on Oct 11, 2026.
How much fertility treatment does PNC cover?
PNC does not state a dollar or cycle limit on its public pages. Ask its benefits center for the lifetime maximum and whether fertility drugs count toward it. For comparison, one IVF cycle in the US typically costs $25,000 to $32,000 all in.
Does PNC cover IVF for part-time employees?
PNC does not say on its public pages whether part-time workers qualify (employees and covered family members must be enrolled in PNC's medical coverage). You have to be enrolled in a PNC medical plan to use it. Eligibility rules are the first thing to confirm with PNC before you count on the benefit.
How do I confirm what PNC covers?
Ask PNC's benefits center or Progyny for the plan document (the summary plan description) for your own plan and location, and check the lifetime maximum, whether fertility drugs count toward it, whether a diagnosis or prior authorization is needed, and when coverage starts after you are hired. Benefits change each plan year, usually on January 1.
- PNC Careers: Employee Benefits & Programs (live page) (PNC's own page)