Table 1. Medical care benefits: Plan type, private industry workers, National Compensation Survey,
2008
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristic
Total
Total
Traditional
Preferred
provider
organization
Point of
service
plan
Exclusive
Not
provider
determinable
organization
100
78
4
58
10
5
(1)
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
100
100
100
100
100
100
100
100
78
77
79
78
78
80
76
75
–
3
–
–
3
2
4
–
57
58
56
59
59
65
56
53
10
11
10
9
10
10
10
10
7
5
–
–
5
3
6
7
–
(1)
(1)
(1)
(1)
(1)
(1)
–
100
100
100
100
100
76
74
79
79
78
–
–
3
–
4
58
49
62
64
59
–
14
10
11
9
–
5
2
–
4
(1)
–
1
–
1
Full time .................................................................
Part time ................................................................
100
100
78
76
4
–
59
54
10
11
5
–
(1)
(1)
Union .....................................................................
Nonunion ...............................................................
100
100
73
79
6
4
54
59
7
11
6
5
(1)
(1)
Average wage within the following percentiles:2
10 to under 25 ...................................................
25 to under 50 ...................................................
50 to under 75 ...................................................
75 to under 90 ...................................................
90 or greater ......................................................
100
100
100
100
100
79
81
74
78
77
–
3
4
6
–
65
63
56
56
56
10
11
9
10
10
2
4
6
5
–
–
(1)
(1)
(1)
(1)
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
80
81
80
77
80
74
82
82
84
77
78
76
79
73
79
84
74
63
62
76
3
–
3
4
2
–
–
–
–
7
5
5
–
–
–
–
–
–
–
–
63
64
63
57
62
60
63
63
49
53
53
50
52
51
61
64
51
48
44
52
10
–
12
10
11
7
14
11
16
10
9
8
13
–
6
–
14
–
–
14
4
–
–
6
3
5
3
–
–
7
10
12
8
–
–
–
–
–
–
–
–
–
–
(1)
(1)
–
–
(1)
–
(1)
(1)
(1)
–
–
(1)
–
(1)
(1)
(1)
(1)
All workers .............................................................
Worker characteristic
Establishment characteristic
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
See footnotes at end of table.
Table 1. Medical care benefits: Plan type, private industry workers, National Compensation Survey,
2008—Continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristic
Total
Total
Traditional
Preferred
provider
organization
Point of
service
plan
Exclusive
Not
provider
determinable
organization
Establishment characteristic
Leisure and hospitality .......................................
Other services ...................................................
100
100
71
65
–
–
57
44
–
–
–
–
(1)
1
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
100
100
100
100
100
100
76
75
81
79
79
78
5
4
–
3
3
4
58
58
58
59
62
54
10
9
11
10
9
12
4
4
–
6
–
8
(1)
–
1
(1)
–
(1)
100
100
100
100
100
100
100
58
71
84
92
81
88
63
–
–
2
–
4
2
–
40
47
72
72
55
70
47
10
14
7
–
14
12
5
4
–
3
–
–
4
–
–
(1)
(1)
(1)
–
(1)
(1)
Geographic area
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
West South Central ...............................................
Pacific ....................................................................
See footnotes at end of table.
Table 1. Medical care benefits: Plan type, private industry workers,
National Compensation Survey, 2008—Continued
(All workers participating in medical care plans = 100 percent)
Health maintenance organization
Characteristic
Total
All workers .............................................................
Traditional
Open
access
Not
determinable
22
18
4
–
Worker characteristic
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
22
23
21
22
22
20
24
25
18
20
17
19
20
18
20
17
4
3
4
3
3
–
3
8
–
–
–
–
–
–
–
–
24
26
21
21
22
14
20
17
16
19
–
6
–
–
–
–
–
–
–
–
Full time .................................................................
Part time ................................................................
22
24
18
20
4
–
–
–
Union .....................................................................
Nonunion ...............................................................
27
21
21
18
7
3
–
–
Average wage within the following percentiles:2
10 to under 25 ...................................................
25 to under 50 ...................................................
50 to under 75 ...................................................
75 to under 90 ...................................................
90 or greater ......................................................
21
19
26
22
23
19
16
21
17
18
–
–
5
4
5
–
–
–
–
–
20
19
20
23
20
26
18
18
16
23
22
24
21
27
21
16
26
37
38
24
15
13
16
20
17
19
18
–
15
21
20
22
17
24
20
–
20
28
23
19
5
7
–
3
–
–
–
–
–
2
2
–
3
–
–
–
6
10
15
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
See footnotes at end of table.
Table 1. Medical care benefits: Plan type, private industry workers,
National Compensation Survey, 2008—Continued
(All workers participating in medical care plans = 100 percent)
Health maintenance organization
Characteristic
Total
Traditional
Open
access
Not
determinable
Establishment characteristic
Leisure and hospitality .......................................
Other services ...................................................
29
35
27
30
–
–
–
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
24
25
19
21
21
22
20
22
15
17
17
18
4
3
–
4
–
4
–
–
–
–
–
–
42
29
16
8
19
12
37
32
21
12
4
17
12
35
–
8
4
–
–
–
–
–
–
–
–
–
–
–
Geographic area
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
West South Central ...............................................
Pacific ....................................................................
1 Less than 0.5 percent.
2 The percentile groupings are based on the
average wage for each occupation surveyed, which
may include workers both above and below the
threshold. The percentile values are based on the
estimates published in the "National Compensation
Survey: Occupational Earnings in the United States,
2007." See Technical Note for more details.
NOTE: Because of rounding, sums of individual
items may not equal totals. Dashes indicate that no
data were reported or that data do not meet
publication criteria. For definitions of major plans, key
provisions, and related terms, see the "Glossary of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 2. Fee-for-service plans: Summary of selected features, private industry workers, National Compensation
Survey, 2008
(All workers participating in fee-for-service plans = 100 percent)
Annual deductible1
Characteristic
Yes
Coinsurance2
Not
determinable
No
Yes
Annual out-of-pocket maximum3
Not
determinable
No
Yes
Not
determinable
No
93
5
2
80
20
(4)
81
16
3
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
93
94
92
83
93
97
91
92
6
5
7
–
5
3
7
6
1
(4)
1
–
1
–
2
1
78
79
77
79
81
84
80
77
22
21
23
21
19
16
20
23
–
–
–
–
–
–
–
–
82
83
81
74
82
85
80
77
15
15
16
16
16
14
17
20
2
1
3
10
2
1
3
4
92
93
98
98
97
–
–
2
–
–
–
–
(4)
–
–
79
75
82
83
80
21
25
17
16
19
–
–
(4)
(4)
1
78
75
83
82
85
20
19
15
15
14
2
6
2
2
1
Full time .................................................................
Part time ................................................................
93
91
5
–
2
–
79
82
20
18
(4)
–
81
76
16
21
3
3
Union .....................................................................
Nonunion ...............................................................
90
93
6
5
3
1
76
80
23
20
1
–
71
83
24
15
6
3
Average wage within the following percentiles:5
Less than 10 ......................................................
10 to under 25 ...................................................
25 to under 50 ...................................................
50 to under 75 ...................................................
75 to under 90 ...................................................
90 or greater ......................................................
94
87
95
92
94
93
–
5
3
7
5
6
–
–
2
1
1
1
88
82
82
79
80
76
–
18
18
21
20
24
–
–
–
(4)
(4)
–
82
78
81
81
81
82
–
13
15
17
16
15
–
9
4
2
2
2
95
90
96
92
96
95
95
99
98
94
92
90
87
93
99
95
97
89
5
–
3
6
3
–
4
–
–
–
8
10
13
–
–
–
–
–
1
–
(4)
2
1
–
1
–
–
–
(4)
(4)
–
–
–
–
–
–
81
80
81
79
84
86
87
77
82
77
82
79
78
78
93
76
72
78
18
20
18
21
16
14
13
23
–
23
18
21
22
22
–
24
28
–
(4)
–
1
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
84
83
83
80
87
82
91
87
72
77
81
77
76
75
96
80
84
73
15
15
16
16
12
16
7
–
–
21
16
19
21
18
–
13
–
–
1
1
1
4
2
2
3
–
–
2
3
4
3
7
–
7
–
–
All workers .............................................................
Worker characteristic
Establishment characteristic
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
See footnotes at end of table.
Table 2. Fee-for-service plans: Summary of selected features, private industry workers, National Compensation
Survey, 2008—Continued
(All workers participating in fee-for-service plans = 100 percent)
Annual deductible1
Characteristic
Yes
Coinsurance2
Not
determinable
No
Yes
Annual out-of-pocket maximum3
Not
determinable
No
Yes
Not
determinable
No
Establishment characteristic
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
84
94
90
82
95
96
93
–
6
10
–
–
–
–
–
–
–
–
–
–
–
70
67
61
71
89
89
90
30
33
39
29
–
–
–
–
–
–
–
–
–
–
69
75
69
68
85
86
92
28
25
31
28
–
–
–
3
–
–
4
–
–
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
94
94
94
92
95
88
4
4
–
7
4
10
2
2
–
2
1
2
81
79
84
79
79
78
19
21
16
21
20
22
–
–
–
(4)
(4)
–
84
83
86
79
81
76
13
14
10
18
17
20
4
4
3
3
2
4
92
90
92
96
93
98
96
93
89
8
8
–
–
5
–
4
–
–
–
1
–
–
2
–
(4)
–
–
68
63
85
92
78
82
85
87
75
32
37
15
–
21
–
15
13
25
–
–
–
–
(4)
–
–
–
–
65
60
82
88
83
91
89
85
85
34
35
12
–
13
8
–
14
–
1
5
6
–
4
1
–
–
–
Geographic area
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 The deductible is the amount of covered expenses that an individual or family
must pay before any charges are paid by the medical care plan. Deductibles that apply
separately to a specific category of expenses, such as deductible for each hospital
admission, were excluded.
2 Represents the initial coinsurance in plans that have 100 percent coverage after
the individual pays a specified dollar amount toward expenses. For example, the plan
pays 80 percent until the individual’s out-of-pocket expenses reach $1,000, and then
coverage is 100 percent.
3 The out-of-pocket maximum is the annual limit on the amount of covered
expenses that a participant or a family must pay after the deductible has been satisfied.
Once reached, covered expenses are fully reimbursed for the rest of the year.
4 Less than 0.5 percent.
5 The percentile groupings are based on the average wage for each occupation
surveyed, which may include workers both above and below the threshold. The
percentile values are based on the estimates published in the "National Compensation
Survey: Occupational Earnings in the United States, 2007." See Technical Note for
more details.
NOTE: Because of rounding, sums of individual items may not equal totals. Dashes
indicate that no data were reported or that data do not meet publication criteria. For
definitions of major plans, key provisions, and related terms, see the "Glossary of
Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 3. Fee-for-service plans: Type and amount of annual individual deductible,1 private industry
workers, National Compensation Survey, 2008
(All workers participating in fee-for-service plans = 100 percent)
Fixed deductible
Characteristic
All workers .............................................................
Total
Variable deductible
With
Median deductible amount
Median
With
deductible With fixed
deductible variable
Out-of- Point-ofdeductible
amount deductible In-network
network service
100
93
39
$500
53
$500
$750
$350
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
100
100
100
100
100
100
100
100
93
94
92
83
93
97
91
92
36
36
36
38
40
39
41
44
500
500
500
500
500
500
500
300
57
58
56
44
52
58
50
48
500
500
500
–
500
500
500
500
750
750
–
–
900
1,000
750
–
300
–
–
–
500
500
–
–
100
100
100
100
100
92
93
98
98
97
54
36
41
41
40
300
–
–
500
350
38
57
56
56
57
–
500
350
330
400
500
–
750
600
1,000
1,500
–
1,000
–
1,000
Full time .................................................................
Part time ................................................................
100
100
93
91
39
41
500
–
53
50
500
500
800
–
350
–
Union .....................................................................
Nonunion ...............................................................
100
100
90
93
44
38
250
500
46
54
300
500
500
1,000
250
400
Average wage within the following percentiles:3
Less than 10 ......................................................
10 to under 25 ...................................................
25 to under 50 ...................................................
50 to under 75 ...................................................
75 to under 90 ...................................................
90 or greater ......................................................
100
100
100
100
100
100
94
87
95
92
94
93
31
40
40
37
43
36
–
–
500
500
–
500
62
46
54
54
50
57
400
500
500
–
325
500
1,000
1,000
1,000
750
600
–
–
–
–
500
300
400
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
95
90
96
92
96
95
95
99
98
94
92
90
87
93
99
95
97
40
48
38
39
39
41
40
33
52
33
43
41
37
48
54
50
44
400
300
500
500
500
500
–
–
–
300
–
900
–
1,000
–
–
500
54
42
58
53
56
53
55
65
45
61
45
45
46
41
46
45
53
–
500
350
500
500
400
–
250
300
300
500
–
350
–
–
–
–
700
1,000
600
800
1,000
1,000
–
500
500
600
750
600
600
–
1,000
500
–
1,000
–
–
300
–
–
–
50
–
300
–
–
–
1,100
–
–
–
Worker characteristic
Establishment characteristic
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
See footnotes at end of table.
Table 3. Fee-for-service plans: Type and amount of annual individual deductible,1 private industry
workers, National Compensation Survey, 2008—Continued
(All workers participating in fee-for-service plans = 100 percent)
Fixed deductible
Characteristic
Total
Variable deductible
With
Median deductible amount
Median
With
deductible With fixed
deductible variable
Out-of- Point-ofdeductible
amount deductible In-network
network service
Establishment characteristic
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
100
100
100
100
100
100
100
100
89
84
94
90
82
95
96
93
52
22
28
22
21
55
58
46
$300
500
500
500
–
500
–
–
37
62
65
66
61
37
33
47
–
$500
350
250
500
–
–
500
–
$800
700
500
–
–
–
–
–
$300
400
400
–
–
–
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
100
100
100
100
100
100
94
94
94
92
95
88
44
42
48
35
35
36
500
500
–
–
500
300
49
51
45
56
60
51
500
500
500
350
–
300
1,000
1,000
1,000
600
750
500
–
–
–
300
500
300
100
100
100
100
100
100
100
100
100
92
90
92
96
93
98
96
93
89
19
32
33
45
39
44
41
49
47
–
500
500
500
500
–
500
500
300
71
59
58
51
54
53
54
41
41
300
250
375
500
500
500
500
–
350
500
500
750
1,000
800
–
1,000
1,000
–
–
–
–
–
–
–
–
350
–
Geographic area
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
See footnotes at end of table.
Table 3. Fee-for-service plans: Type and amount of annual
individual deductible,1 private industry workers, National
Compensation Survey, 2008—Continued
(All workers participating in fee-for-service plans = 100 percent)
Characteristic
All workers .............................................................
Other
With no
Not
deductible deductible determinable
1
5
2
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
–
–
–
–
–
–
–
–
6
5
7
–
5
3
7
6
1
(2)
1
–
1
–
2
1
–
–
–
–
–
–
–
2
–
–
–
–
( )
–
–
Full time .................................................................
Part time ................................................................
1
–
5
–
2
–
Union .....................................................................
Nonunion ...............................................................
–
1
6
5
3
1
Average wage within the following percentiles:3
Less than 10 ......................................................
10 to under 25 ...................................................
25 to under 50 ...................................................
50 to under 75 ...................................................
75 to under 90 ...................................................
90 or greater ......................................................
–
–
1
–
1
–
–
5
3
7
5
6
–
–
2
1
1
1
–
–
–
1
–
–
–
–
–
–
–
–
–
–
–
–
–
5
–
3
6
3
–
4
–
–
–
8
10
13
–
–
–
–
1
–
(2)
2
1
–
1
–
–
–
(2)
(2)
–
–
–
–
–
Worker characteristic
2
Establishment characteristic
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
See footnotes at end of table.
Table 3. Fee-for-service plans: Type and amount of annual
individual deductible,1 private industry workers, National
Compensation Survey, 2008—Continued
(All workers participating in fee-for-service plans = 100 percent)
Other
With no
Not
deductible deductible determinable
Characteristic
Establishment characteristic
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
–
–
–
–
–
–
–
–
–
–
6
10
–
–
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
–
–
–
1
–
–
4
4
–
7
4
10
2
2
–
2
1
2
–
–
–
–
–
–
–
–
–
8
8
–
–
5
–
4
–
–
–
1
–
–
2
–
(2)
–
–
Geographic area
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 The deductible is the amount of covered
expenses that an individual or family must pay
before any charges are paid by the medical care
plan. Deductibles that apply separately to a
specific category of expenses, such as
deductible for each hospital admission, were
excluded.
2 Less than 0.5 percent.
3 The percentile groupings are based on the
average wage for each occupation surveyed,
which may include workers both above and
below the threshold. The percentile values are
based on the estimates published in the
"National Compensation Survey: Occupational
Earnings in the United States, 2007." See
Technical Note for more details.
NOTE: Because of rounding, sums of individual
items may not equal totals. Dashes indicate that
no data were reported or that data do not meet
publication criteria. For definitions of major
plans, key provisions, and related terms, see the
"Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 4. Fee-for-service plans: Type and amount of annual family deductible,1 private industry workers,
National Compensation Survey, 2008
(All workers participating in fee-for-service plans = 100 percent)
Fixed deductible
Characteristic
All workers .............................................................
Total
Variable deductible
With
Median deductible amount
Median
With
deductible With fixed
deductible variable
Out-of- Point-ofdeductible
amount deductible In-network
network
service
100
88
37
$1,000
51
$1,000
$2,000
–
Worker characteristic
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
100
100
100
100
100
100
100
100
89
90
89
76
87
93
85
90
34
33
35
36
36
36
36
42
–
1,000
1,500
1,000
1,500
1,500
1,500
900
55
56
54
38
51
56
48
47
1,000
1,000
1,000
1,000
1,000
1,000
1,000
–
2,000
1,800
2,000
2,000
2,000
2,000
1,800
–
$600
–
500
–
1,500
1,500
–
–
100
100
100
100
100
87
92
93
92
94
49
35
39
39
39
900
800
900
1,000
900
38
56
54
53
55
–
–
990
800
1,000
–
2,000
2,000
1,500
2,000
4,000
–
2,000
–
2,000
Full time .................................................................
Part time ................................................................
100
100
89
77
37
29
1,000
–
51
48
1,000
1,000
2,000
1,600
–
–
Union .....................................................................
Nonunion ...............................................................
100
100
86
88
42
36
600
1,500
43
52
600
1,000
1,200
2,000
600
–
Average wage within the following percentiles:3
Less than 10 ......................................................
10 to under 25 ...................................................
25 to under 50 ...................................................
50 to under 75 ...................................................
75 to under 90 ...................................................
90 or greater ......................................................
100
100
100
100
100
100
82
76
89
89
90
90
–
32
38
36
40
35
1,000
–
1,500
–
900
–
57
43
50
53
49
54
1,000
1,000
1,000
1,000
800
1,000
–
2,000
2,000
1,750
1,500
1,500
–
–
–
1,500
600
–
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
91
85
93
87
90
93
89
89
98
88
89
87
85
88
94
86
92
38
43
36
36
37
41
36
33
52
27
41
39
36
45
49
45
43
900
900
1,000
1,400
–
–
1,500
–
–
900
1,500
2,000
–
2,000
–
1,500
1,500
53
42
56
50
53
52
53
56
45
61
45
44
45
40
46
40
48
1,000
1,500
900
1,000
1,000
1,000
1,500
750
–
600
1,000
900
900
–
–
–
–
1,600
–
1,500
2,000
2,000
2,000
3,000
1,500
–
1,500
1,500
1,500
1,500
1,500
–
1,500
–
2,000
–
2,000
–
1,500
–
–
–
–
600
–
–
–
2,200
–
–
–
Establishment characteristic
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
See footnotes at end of table.
Table 4. Fee-for-service plans: Type and amount of annual family deductible,1 private industry workers,
National Compensation Survey, 2008—Continued
(All workers participating in fee-for-service plans = 100 percent)
Fixed deductible
Characteristic
Total
Variable deductible
With
Median deductible amount
Median
With
deductible With fixed
deductible variable
Out-of- Point-ofdeductible
amount deductible In-network
network
service
Establishment characteristic
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
100
100
100
100
100
100
100
100
67
82
88
87
81
88
87
92
36
21
24
22
21
48
49
46
–
–
$1,000
–
–
–
–
–
30
61
63
63
60
37
33
45
–
$1,000
750
750
1,000
900
750
1,000
–
$2,000
1,800
1,500
2,000
1,800
–
2,000
–
$600
800
800
500
–
–
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
100
100
100
100
100
100
88
88
89
88
93
82
41
38
47
33
33
34
1,500
1,500
1,000
1,000
–
900
47
49
41
54
59
47
1,500
1,500
–
900
1,000
700
2,200
2,400
2,000
1,500
1,800
1,500
–
–
–
800
–
750
100
100
100
100
100
100
100
100
100
89
86
86
91
90
93
91
86
85
–
30
31
44
38
41
38
42
44
900
1,200
1,000
1,000
–
900
1,500
1,500
900
69
56
55
47
52
52
52
41
40
–
600
1,000
1,000
1,000
1,000
1,000
–
900
1,500
1,500
2,000
2,000
2,000
2,000
2,000
–
–
–
1,050
2,000
–
–
–
–
–
–
Geographic area
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
See footnotes at end of table.
Table 4. Fee-for-service plans: Type and amount of annual family
deductible,1 private industry workers, National Compensation
Survey, 2008—Continued
(All workers participating in fee-for-service plans = 100 percent)
Characteristic
All workers .............................................................
Other
With no
Not
deductible deductible determinable
1
10
2
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
–
–
–
–
–
–
–
–
10
10
10
16
11
7
13
9
1
(2)
1
–
1
–
2
1
–
–
–
–
–
–
–
7
7
6
–
–
( )
–
–
Full time .................................................................
Part time ................................................................
1
–
10
–
2
–
Union .....................................................................
Nonunion ...............................................................
–
1
11
10
3
1
Average wage within the following percentiles:3
Less than 10 ......................................................
10 to under 25 ...................................................
25 to under 50 ...................................................
50 to under 75 ...................................................
75 to under 90 ...................................................
90 or greater ......................................................
–
–
1
–
1
–
–
–
9
10
10
10
–
–
2
1
1
1
–
–
–
1
–
–
–
–
–
–
–
–
–
–
–
–
–
8
14
7
11
9
6
10
–
–
12
11
13
15
–
–
–
–
1
–
(2)
2
1
–
1
–
–
–
2
( )
(2)
–
–
–
–
–
Worker characteristic
2
Establishment characteristic
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
See footnotes at end of table.
Table 4. Fee-for-service plans: Type and amount of annual family
deductible,1 private industry workers, National Compensation
Survey, 2008—Continued
(All workers participating in fee-for-service plans = 100 percent)
Other
With no
Not
deductible deductible determinable
Characteristic
Establishment characteristic
Administrative and waste services ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
–
–
–
–
–
–
–
–
–
15
12
13
–
–
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
–
–
–
1
–
–
10
10
10
10
6
16
2
2
–
2
1
2
–
–
–
–
–
–
–
–
–
11
12
9
–
8
–
9
–
–
–
1
–
–
2
–
(2)
–
–
Geographic area
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 The deductible is the amount of covered
expenses that an individual or family must pay
before any charges are paid by the medical care
plan. Deductibles that apply separately to a
specific category of expenses, such as
deductible for each hospital admission, were
excluded.
2 Less than 0.5 percent.
3 The percentile groupings are based on the
average wage for each occupation surveyed,
which may include workers both above and
below the threshold. The percentile values are
based on the estimates published in the
"National Compensation Survey: Occupational
Earnings in the United States, 2007." See
Technical Note for more details.
NOTE: Because of rounding, sums of individual
items may not equal totals. Dashes indicate that
no data were reported or that data do not meet
publication criteria. For definitions of major
plans, key provisions, and related terms, see the
"Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 5. Fee-for-service plans: Amount of annual individual deductible,1 private industry workers, National Compensation
Survey, 2008
(All workers participating in fee-for-service plans = 100 percent)
Amount of annual deductible
Characteristic
All workers .............................................................
Total
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
Not
deductible determinable
100
93
$150
$250
$500
$1,000
$1,500
5
2
Worker characteristic
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
100
100
100
100
100
100
100
100
93
94
92
83
93
97
91
92
200
200
200
150
200
250
150
150
250
250
250
250
250
300
250
250
500
500
500
500
500
500
500
300
1,000
1,000
1,000
1,000
1,000
1,000
1,000
750
1,500
1,500
1,500
1,100
2,000
2,000
1,750
2,000
6
5
7
–
5
3
7
6
1
(2)
1
–
1
–
2
1
100
100
100
100
100
92
93
98
98
97
100
200
200
200
150
250
250
250
250
250
300
400
350
350
400
500
1,000
750
1,000
750
2,000
2,000
1,500
1,500
1,500
–
–
2
–
–
–
–
(2)
–
–
Full time .................................................................
Part time ................................................................
100
100
93
91
200
100
250
250
500
400
1,000
1,000
1,500
1,000
5
–
2
–
Union .....................................................................
Nonunion ...............................................................
100
100
90
93
150
200
200
250
275
500
350
1,000
750
1,750
6
5
3
1
Average wage within the following percentiles:3
Less than 10 ......................................................
10 to under 25 ...................................................
25 to under 50 ...................................................
50 to under 75 ...................................................
75 to under 90 ...................................................
90 or greater ......................................................
100
100
100
100
100
100
94
87
95
92
94
93
200
150
200
200
150
150
250
250
250
250
250
250
400
500
500
500
300
500
750
1,000
1,000
1,000
750
1,000
1,100
1,500
1,750
2,000
1,500
1,500
–
5
3
7
5
6
–
–
2
1
1
1
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
95
90
96
92
96
95
95
99
98
94
92
90
87
93
99
95
97
89
200
150
200
150
200
150
250
150
100
150
250
250
250
250
250
100
150
100
250
250
250
250
250
250
400
150
250
250
300
300
250
300
300
250
250
100
400
400
400
500
500
500
500
250
400
300
500
500
500
900
500
500
500
250
1,000
750
1,000
1,000
1,000
1,000
1,100
500
1,500
500
1,250
1,500
1,100
1,500
1,000
1,000
750
500
1,500
2,000
1,500
1,500
2,000
1,500
2,000
1,100
2,500
1,100
2,000
2,000
2,500
2,000
2,250
1,100
1,000
1,000
5
–
3
6
3
–
4
–
–
–
8
10
13
–
–
–
–
–
1
–
(2)
2
1
–
1
–
–
–
(2)
(2)
–
–
–
–
–
–
Establishment characteristic
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
See footnotes at end of table.
Table 5. Fee-for-service plans: Amount of annual individual deductible,1 private industry workers, National Compensation
Survey, 2008—Continued
(All workers participating in fee-for-service plans = 100 percent)
Amount of annual deductible
Characteristic
Total
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
Not
deductible determinable
Establishment characteristic
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
100
100
100
100
100
100
100
84
94
90
82
95
96
93
$200
150
200
250
200
200
100
$250
250
250
250
250
250
250
$500
400
400
500
500
500
300
$1,000
500
500
1,000
750
1,000
500
$1,500
1,500
1,100
1,500
1,000
1,000
750
–
6
10
–
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
100
100
100
100
100
100
94
94
94
92
95
88
250
200
250
150
200
100
300
300
250
250
250
200
500
500
500
350
500
300
1,000
1,000
1,000
750
1,000
500
2,000
2,000
1,500
1,500
1,500
1,200
4
4
–
7
4
10
2
2
–
2
1
2
100
100
100
100
100
100
100
100
100
92
90
92
96
93
98
96
93
89
100
150
200
200
200
150
250
150
150
250
250
250
300
250
250
300
300
250
300
350
400
500
500
500
500
500
350
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,500
1,750
2,000
1,500
1,500
1,500
1,500
1,000
1,500
8
8
–
–
5
–
4
–
–
–
1
–
–
2
–
(2)
–
–
Geographic area
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 The deductible is the amount of covered expenses that an individual or family must
pay before any charges are paid by the medical care plan. Deductibles that apply
separately to a specific category of expenses, such as deductible for each hospital
admission, were excluded.
2 Less than 0.5 percent.
3 The percentile groupings are based on the average wage for each occupation
surveyed, which may include workers both above and below the threshold. The percentile
values are based on the estimates published in the "National Compensation Survey:
Occupational Earnings in the United States, 2007." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate
that no data were reported or that data do not meet publication criteria. For definitions of
major plans, key provisions, and related terms, see the "Glossary of Employee Benefit
Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 6. Fee-for-service plans: Amount of annual family deductible, private industry workers, National Compensation
Survey, 2008
(All workers participating in fee-for-service plans = 100 percent)
Amount of annual deductible
Characteristic
All workers .............................................................
Total
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
Not
deductible determinable
100
88
$450
$600
$1,000
$2,000
$4,000
10
2
Worker characteristic
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
100
100
100
100
100
100
100
100
89
90
89
76
87
93
85
90
450
450
450
400
500
500
450
400
600
500
600
700
600
750
600
600
1,000
1,000
1,000
1,000
1,000
1,200
1,000
900
2,000
2,200
2,000
2,000
2,250
2,400
2,000
2,000
3,000
3,500
3,000
3,000
4,500
4,500
4,000
4,000
10
10
10
16
11
7
13
9
1
(1)
1
–
1
–
2
1
100
100
100
100
100
87
92
93
92
94
300
450
400
400
400
500
600
500
600
500
900
900
990
900
1,000
1,500
2,000
2,000
2,000
2,000
5,500
4,000
3,000
3,000
4,000
–
–
7
7
6
–
–
(1)
–
–
Full time .................................................................
Part time ................................................................
100
100
89
77
450
500
600
700
1,000
1,000
2,000
2,000
4,000
3,000
10
–
2
–
Union .....................................................................
Nonunion ...............................................................
100
100
86
88
300
500
450
600
600
1,000
900
2,200
2,000
4,000
11
10
3
1
Average wage within the following percentiles:2
Less than 10 ......................................................
10 to under 25 ...................................................
25 to under 50 ...................................................
50 to under 75 ...................................................
75 to under 90 ...................................................
90 or greater ......................................................
100
100
100
100
100
100
82
76
89
89
90
90
450
500
500
450
400
450
750
750
600
500
500
600
1,000
1,000
1,000
1,000
900
1,000
2,000
2,000
2,250
2,000
1,800
2,164
3,000
3,000
4,000
4,300
3,000
3,000
–
–
9
10
10
10
–
–
2
1
1
1
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
91
85
93
87
90
93
89
89
98
88
89
87
85
88
94
86
92
67
450
400
450
450
450
450
600
400
300
450
500
500
500
600
500
450
450
400
600
750
600
600
600
600
900
500
500
500
700
600
600
750
700
500
500
500
1,000
1,000
1,000
1,000
1,000
1,000
1,500
700
900
750
1,200
1,200
1,000
2,000
1,000
1,000
1,500
900
2,000
2,000
2,000
2,000
2,250
2,000
3,000
1,500
3,000
1,200
3,000
3,000
3,000
3,000
2,250
2,000
1,800
1,500
4,000
5,500
3,000
3,500
5,000
3,000
5,250
3,300
5,000
2,200
4,500
4,500
5,000
4,200
4,500
3,000
3,000
3,000
8
14
7
11
9
6
10
–
–
12
11
13
15
–
–
–
–
–
1
–
(1)
2
1
–
1
–
–
–
(1)
(1)
–
–
–
–
–
–
Establishment characteristic
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
See footnotes at end of table.
Table 6. Fee-for-service plans: Amount of annual family deductible, private industry workers, National Compensation
Survey, 2008—Continued
(All workers participating in fee-for-service plans = 100 percent)
Amount of annual deductible
Characteristic
Total
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
Not
deductible determinable
Establishment characteristic
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
100
100
100
100
100
100
100
82
88
87
81
88
87
92
$500
450
450
500
400
400
300
$500
600
600
500
750
750
500
$1,000
900
800
1,000
1,000
1,000
900
$2,000
1,500
1,500
2,000
1,650
3,000
1,500
$3,000
2,000
3,000
3,000
3,000
3,000
1,500
15
12
13
–
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
100
100
100
100
100
100
88
88
89
88
93
82
500
500
500
400
450
400
750
750
700
500
550
500
1,500
1,500
1,000
900
1,000
750
2,800
3,000
2,000
1,500
2,000
1,500
4,500
5,250
3,000
3,000
3,000
3,000
10
10
10
10
6
16
2
2
–
2
1
2
100
100
100
100
100
100
100
100
100
89
86
86
91
90
93
91
86
85
300
400
500
500
450
450
500
500
450
500
500
550
600
600
600
750
800
500
900
1,000
1,000
1,000
1,000
1,000
1,200
1,500
900
2,000
2,000
2,000
2,000
2,000
1,600
2,400
2,000
2,250
3,000
4,000
4,000
4,000
3,000
3,000
4,500
3,000
4,000
11
12
9
–
8
–
9
–
–
–
1
–
–
2
–
(1)
–
–
Geographic area
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Less than 0.5 percent.
2 The percentile groupings are based on the average wage for each occupation
surveyed, which may include workers both above and below the threshold. The percentile
values are based on the estimates published in the "National Compensation Survey:
Occupational Earnings in the United States, 2007." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate
that no data were reported or that data do not meet publication criteria. For definitions of
major plans, key provisions, and related terms, see the "Glossary of Employee Benefit
Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 7. Fee-for-service plans: Amount of coinsurance,1 private industry workers, National Compensation
Survey, 2008
(All workers participating in fee-for-service plans with coinsurance = 100 percent)
Fixed coinsurance
Characteristic
All workers .............................................................
Total
Variable coinsurance
Median
With
With fixed
coinsurance
variable
coinsurance
percentage coinsurance
Median coinsurance percentage
In-network
Out-ofnetwork
Point-ofservice
100
14
80
85
80
60
90
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
100
100
100
100
100
100
100
100
13
9
15
14
15
12
16
22
80
80
80
70
80
80
80
80
87
91
84
85
84
88
82
78
80
80
80
80
80
80
80
90
60
65
60
60
60
60
60
70
90
100
90
100
90
90
90
100
100
100
100
100
100
22
22
10
8
13
80
80
80
80
80
78
78
90
92
87
80
90
80
80
80
65
70
60
60
60
100
100
90
90
90
Full time .................................................................
Part time ................................................................
100
100
13
23
80
80
86
71
80
80
60
60
90
100
Union .....................................................................
Nonunion ...............................................................
100
100
20
13
80
80
79
86
85
80
70
60
100
90
Average wage within the following percentiles:2
Less than 10 ......................................................
10 to under 25 ...................................................
25 to under 50 ...................................................
50 to under 75 ...................................................
75 to under 90 ...................................................
90 or greater ......................................................
100
100
100
100
100
100
–
–
12
14
17
13
75
80
80
80
80
80
–
–
88
85
82
87
80
80
80
80
80
85
60
60
60
60
60
70
–
90
90
90
100
90
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
11
19
8
15
11
11
10
17
–
29
18
19
16
23
–
19
–
–
80
80
80
80
80
80
80
80
75
80
80
80
80
80
80
80
80
80
89
81
92
84
89
89
90
83
–
71
80
78
79
75
–
79
–
–
80
80
80
80
80
80
80
90
80
90
80
90
85
90
80
80
90
80
60
60
60
60
60
60
60
70
60
70
60
70
60
70
60
65
70
65
90
–
90
90
90
90
80
90
–
100
90
90
90
99
–
100
90
–
Worker characteristic
Establishment characteristic
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
See footnotes at end of table.
Table 7. Fee-for-service plans: Amount of coinsurance,1 private industry workers, National Compensation
Survey, 2008—Continued
(All workers participating in fee-for-service plans with coinsurance = 100 percent)
Fixed coinsurance
Characteristic
Total
Variable coinsurance
Median
With
With fixed
coinsurance
variable
coinsurance
percentage coinsurance
Median coinsurance percentage
In-network
Out-ofnetwork
Point-ofservice
Establishment characteristic
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
100
100
100
100
100
100
100
9
–
10
9
–
–
–
70
80
80
70
80
60
80
90
–
87
90
–
–
–
80
90
90
80
80
80
90
60
65
70
60
60
60
70
100
100
100
100
–
–
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
100
100
100
100
100
100
16
15
17
13
11
15
80
80
80
80
80
80
84
85
82
87
89
83
80
80
80
80
80
80
60
60
60
60
60
65
90
90
90
90
100
90
100
100
100
100
100
100
100
100
100
–
–
9
–
14
–
8
24
13
80
80
80
80
80
80
80
80
80
–
–
90
–
86
–
91
73
87
80
90
80
80
80
90
80
80
80
70
70
60
60
60
60
60
60
60
100
100
90
90
90
90
90
80
90
Geographic area
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Represents the initial coinsurance in plans that have 100 percent
coverage after the individual pays a specified dollar amount toward expenses.
For example, the plan pays 80 percent until the individual’s out-of-pocket
expenses reach $1,000, and then coverage is 100 percent.
2 The percentile groupings are based on the average wage for each
occupation surveyed, which may include workers both above and below the
threshold. The percentile values are based on the estimates published in the
"National Compensation Survey: Occupational Earnings in the United States,
2007." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals.
Dashes indicate that no data were reported or that data do not meet
publication criteria. For definitions of major plans, key provisions, and related
terms,
see
the
"Glossary
of
Employee
Benefit
Terms"
at
www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 8. Fee-for-service plans: Amount of annual individual out-of-pocket maximum,1 private industry workers, National
Compensation Survey, 2008
(All workers participating in fee-for-service plans = 100 percent)
Amount of out-of-pocket maximum
Characteristic
All workers .............................................................
Total
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
100
81
$800
$1,200
$2,000
$2,500
$3,500
16
3
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
100
100
100
100
100
100
100
100
82
83
81
74
82
85
80
76
650
800
600
1,000
900
1,000
750
800
1,000
1,200
1,000
1,500
1,250
1,500
1,200
1,000
1,750
1,750
1,700
2,000
2,000
2,000
2,000
2,000
2,500
2,500
2,225
2,750
2,500
3,000
2,500
2,400
3,000
3,000
3,000
5,000
3,500
3,800
3,500
3,000
16
15
16
17
16
14
17
20
2
1
3
10
2
1
3
4
100
100
100
100
100
78
74
83
81
85
750
800
990
900
1,000
1,000
1,000
1,250
1,200
1,300
2,000
1,750
1,750
1,700
2,000
2,400
2,200
2,500
2,300
2,500
3,000
3,000
3,000
3,000
3,700
20
20
16
16
14
2
6
2
2
1
Full time .................................................................
Part time ................................................................
100
100
81
76
800
750
1,200
1,000
2,000
1,700
2,500
2,900
3,500
3,500
16
21
3
3
Union .....................................................................
Nonunion ...............................................................
100
100
70
83
750
800
1,000
1,200
1,750
2,000
2,400
2,500
3,300
3,500
25
15
6
3
Average wage within the following percentiles:2
Less than 10 ......................................................
10 to under 25 ...................................................
25 to under 50 ...................................................
50 to under 75 ...................................................
75 to under 90 ...................................................
90 or greater ......................................................
100
100
100
100
100
100
82
78
80
81
81
82
1,300
1,000
900
990
750
600
1,500
1,500
1,250
1,250
1,000
1,000
1,850
2,000
2,000
2,000
1,750
1,600
2,600
3,000
2,500
2,500
2,500
2,250
3,700
4,000
3,500
3,250
3,000
3,000
–
13
16
17
17
15
–
9
4
2
2
2
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
83
82
82
80
87
82
91
87
71
77
81
77
76
75
96
80
84
73
825
750
990
800
1,000
1,000
1,000
1,000
650
800
950
850
1,000
600
1,000
600
600
700
1,000
1,000
1,150
1,240
1,500
1,500
1,500
1,350
700
1,000
1,250
1,000
1,250
1,000
1,750
1,000
750
1,000
1,700
2,000
1,650
2,000
2,000
2,000
2,000
2,000
1,500
1,500
2,000
2,000
2,000
1,500
2,000
2,000
1,500
2,000
2,400
2,500
2,200
2,500
3,000
3,000
3,000
2,500
2,250
2,000
2,500
2,300
2,500
2,200
2,750
2,500
2,000
3,000
3,000
3,500
3,000
3,500
4,000
4,811
3,850
3,500
3,000
4,000
3,250
3,000
3,500
3,000
3,250
3,000
3,000
3,500
16
17
16
16
12
16
7
–
–
21
16
20
22
18
–
13
–
–
1
1
1
4
2
2
3
–
–
2
3
4
3
7
–
7
–
–
Worker characteristic
Establishment characteristic
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
See footnotes at end of table.
Table 8. Fee-for-service plans: Amount of annual individual out-of-pocket maximum,1 private industry workers, National
Compensation Survey, 2008—Continued
(All workers participating in fee-for-service plans = 100 percent)
Amount of out-of-pocket maximum
Characteristic
Total
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
Establishment characteristic
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
100
100
100
100
100
100
100
69
75
69
68
85
86
92
$750
500
500
800
1,000
900
900
$1,000
850
800
1,250
1,500
1,500
1,300
$2,000
1,250
1,250
2,000
2,000
1,850
1,500
$2,000
1,750
2,000
2,200
2,250
2,200
2,000
$3,000
2,500
3,000
3,000
5,000
5,000
2,400
28
25
31
28
–
–
–
3
–
–
4
–
–
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
100
100
100
100
100
100
83
82
86
79
81
75
1,000
1,000
1,000
750
750
800
1,250
1,300
1,000
1,000
1,000
1,250
2,000
2,000
1,850
1,750
2,000
1,700
2,500
2,500
2,500
2,500
2,500
2,500
3,500
3,500
3,750
3,500
3,500
3,500
13
14
11
19
17
21
4
4
3
3
2
4
100
100
100
100
100
100
100
100
100
64
60
82
88
83
91
89
84
84
750
900
750
500
1,000
1,000
1,000
1,000
750
1,000
1,000
1,000
1,000
1,300
1,200
1,500
1,500
1,200
2,000
1,500
1,600
1,500
1,750
2,000
2,000
2,000
2,000
2,700
2,400
2,250
2,000
2,500
2,500
3,000
2,300
2,500
3,000
3,000
3,000
3,000
3,500
3,500
4,000
3,200
3,500
35
35
13
–
13
8
–
–
–
1
5
6
–
4
1
–
–
–
Geographic area
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 The out-of-pocket maximum is the annual limit on the amount of covered expenses
that a participant or a family must pay after the deductible has been satisfied. Once
reached, covered expenses are fully reimbursed for the rest of the year.
2 The percentile groupings are based on the average wage for each occupation
surveyed, which may include workers both above and below the threshold. The percentile
values are based on the estimates published in the "National Compensation Survey:
Occupational Earnings in the United States, 2007." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate
that no data were reported or that data do not meet publication criteria. For definitions of
major plans, key provisions, and related terms, see the "Glossary of Employee Benefit
Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 9. Fee-for-service plans: Amount of annual family out-of-pocket maximum,1 private industry workers, National
Compensation Survey, 2008
(All workers participating in fee-for-service plans = 100 percent)
Amount of out-of-pocket maximum
Characteristic
All workers .............................................................
Total
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
100
73
$2,000
$2,500
$4,000
$6,000
$7,200
24
3
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
100
100
100
100
100
100
100
100
76
78
75
66
74
73
74
68
1,800
1,500
2,000
2,000
2,000
2,000
1,500
2,000
2,250
2,100
2,250
3,000
3,000
3,000
2,800
2,500
4,000
4,000
4,000
4,500
4,000
5,000
4,000
4,000
5,400
5,400
5,400
6,000
6,000
6,000
6,000
6,000
7,200
7,000
7,200
8,000
7,500
9,000
7,200
7,200
21
20
22
25
24
26
23
29
2
1
3
10
2
1
3
4
100
100
100
100
100
66
70
72
71
73
1,500
2,000
2,000
1,800
2,000
2,600
2,400
2,500
2,090
3,000
4,000
3,570
3,750
3,400
4,000
6,000
6,000
5,250
5,000
5,500
7,500
6,750
6,000
6,000
7,200
33
25
26
27
26
2
6
2
2
1
Full time .................................................................
Part time ................................................................
100
100
73
68
2,000
1,500
2,500
2,000
4,000
3,500
6,000
5,250
7,200
7,000
24
29
3
3
Union .....................................................................
Nonunion ...............................................................
100
100
60
75
1,500
2,000
2,350
2,500
4,000
4,000
5,250
6,000
7,200
7,200
34
22
6
3
Average wage within the following percentiles:2
Less than 10 ......................................................
10 to under 25 ...................................................
25 to under 50 ...................................................
50 to under 75 ...................................................
75 to under 90 ...................................................
90 or greater ......................................................
100
100
100
100
100
100
59
70
73
74
74
74
2,000
2,000
2,000
2,000
1,600
1,600
3,000
3,000
2,600
2,550
2,350
2,000
4,500
5,000
4,000
4,000
4,000
3,900
5,100
6,000
6,000
6,000
5,500
5,250
6,000
10,000
7,000
7,200
7,200
7,000
38
21
24
25
24
24
–
9
4
2
2
2
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
76
72
76
72
74
73
76
73
72
75
73
72
73
69
77
74
75
68
2,000
1,500
2,000
2,000
2,000
2,000
2,000
2,000
1,200
2,000
1,800
1,500
1,800
1,300
2,000
1,300
700
1,500
2,250
3,000
2,000
2,600
3,000
3,350
3,000
2,700
2,000
2,000
2,500
2,400
3,000
2,000
3,450
2,000
2,000
2,000
3,400
4,000
3,100
4,000
4,500
4,500
5,000
4,000
3,200
3,900
4,000
4,000
4,000
3,000
5,300
4,000
3,000
3,100
5,000
6,000
5,000
6,000
6,000
7,000
6,750
5,500
4,500
4,500
5,000
4,500
5,000
4,400
6,000
6,000
5,550
6,000
6,000
7,500
6,000
7,500
8,000
9,000
8,000
6,750
6,000
8,660
7,000
6,750
7,500
6,000
9,750
7,500
6,450
–
23
27
23
24
24
25
21
27
–
23
24
24
24
24
–
19
–
20
1
1
1
4
2
2
3
–
–
2
3
4
3
7
–
7
–
–
Worker characteristic
Establishment characteristic
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
See footnotes at end of table.
Table 9. Fee-for-service plans: Amount of annual family out-of-pocket maximum,1 private industry workers, National
Compensation Survey, 2008—Continued
(All workers participating in fee-for-service plans = 100 percent)
Amount of out-of-pocket maximum
Characteristic
Total
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
Establishment characteristic
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
100
100
100
100
100
100
100
67
72
68
66
65
61
75
$1,800
1,000
1,000
2,000
2,500
2,600
2,100
$2,400
1,875
1,750
2,800
3,000
3,000
3,000
$4,000
2,550
3,000
4,000
4,500
4,100
3,000
$5,000
4,000
4,300
5,300
6,000
6,000
6,000
$7,000
6,750
7,500
7,000
7,500
7,500
7,200
30
28
32
30
30
34
–
3
–
–
4
–
–
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
100
100
100
100
100
100
73
72
75
73
74
71
2,000
2,000
2,000
1,600
1,600
1,650
3,000
3,000
3,000
2,400
2,500
2,400
4,000
4,000
3,750
4,000
4,000
3,600
6,000
6,000
6,000
5,300
5,700
5,000
7,500
7,500
7,200
7,000
7,000
7,050
23
24
21
25
24
25
4
4
3
3
2
4
100
100
100
100
100
100
100
100
100
57
57
75
82
73
84
79
78
73
1,500
2,000
1,500
1,250
2,000
2,000
2,000
2,000
1,500
2,000
2,250
2,100
2,000
3,000
3,000
3,000
3,000
2,400
3,000
4,000
3,200
3,000
4,000
4,000
4,500
4,000
4,000
5,100
5,250
5,000
4,400
6,000
6,000
6,000
6,000
6,000
6,000
7,200
7,050
6,000
7,000
7,000
9,750
7,000
7,500
42
38
19
15
24
15
20
22
26
1
5
6
–
4
1
–
–
–
Geographic area
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 The out-of-pocket maximum is the annual limit on the amount of covered expenses
that a participant or a family must pay after the deductible has been satisfied. Once
reached, covered expenses are fully reimbursed for the rest of the year.
2 The percentile groupings are based on the average wage for each occupation
surveyed, which may include workers both above and below the threshold. The percentile
values are based on the estimates published in the "National Compensation Survey:
Occupational Earnings in the United States, 2007." See Technical Note for more details.
NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate
that no data were reported or that data do not meet publication criteria. For definitions of
major plans, key provisions, and related terms, see the "Glossary of Employee Benefit
Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 10. Health maintenance organizations: Summary of selected features, private industry workers, National
Compensation Survey, 2008
(All workers participating in health maintenance organizations = 100 percent)
Annual deductible1
Characteristic
Yes
Coinsurance2
Not
determinable
No
Yes
Annual out-of-pocket maximum3
Not
determinable
No
Yes
Not
determinable
No
22
78
(4)
11
89
–
57
43
(4)
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
20
24
17
–
17
–
18
32
80
75
83
70
83
85
82
68
(4)
(4)
(4)
–
(4)
–
(4)
–
10
–
10
–
8
–
8
19
90
90
90
95
92
91
92
81
–
–
–
–
–
–
–
–
54
50
58
61
60
56
62
49
46
50
42
39
39
43
38
51
(4)
(4)
(4)
–
1
2
(4)
–
37
27
20
24
–
63
73
80
76
86
–
–
–
–
–
–
–
15
–
–
77
84
85
86
84
–
–
–
–
–
41
55
61
53
73
59
45
39
47
27
–
–
–
–
–
Full time .................................................................
Part time ................................................................
22
–
77
91
(4)
–
12
–
88
97
–
–
57
61
43
39
(4)
–
Union .....................................................................
Nonunion ...............................................................
–
21
76
79
–
(4)
–
13
96
87
–
–
56
57
43
43
1
(4)
Average wage within the following percentiles:5
Less than 10 ......................................................
10 to under 25 ...................................................
25 to under 50 ...................................................
50 to under 75 ...................................................
75 to under 90 ...................................................
90 or greater ......................................................
–
–
21
27
21
19
87
90
79
73
79
81
–
–
(4)
(4)
(4)
–
–
–
12
12
11
10
96
93
88
88
89
90
–
–
–
–
–
–
–
73
59
59
50
53
70
27
40
41
50
47
–
–
1
(4)
(4)
–
21
31
–
22
24
–
–
–
–
–
19
21
25
–
–
31
–
–
79
69
81
78
76
67
81
78
94
88
81
78
74
82
89
69
74
–
–
–
–
(4)
–
–
–
–
–
–
(4)
(4)
1
–
–
–
–
–
15
–
–
10
–
–
–
–
–
–
–
–
–
–
–
–
–
–
85
85
83
90
89
89
88
91
97
82
88
85
77
93
97
88
81
89
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
51
–
58
59
55
54
58
60
–
54
54
50
51
59
67
80
59
96
49
65
42
41
44
46
41
–
82
46
46
50
48
41
–
–
–
–
–
–
–
(4)
1
–
2
–
–
–
(4)
(4)
1
(4)
–
–
–
–
All workers .............................................................
Worker characteristic
Establishment characteristic
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
See footnotes at end of table.
Table 10. Health maintenance organizations: Summary of selected features, private industry workers, National
Compensation Survey, 2008—Continued
(All workers participating in health maintenance organizations = 100 percent)
Annual deductible1
Characteristic
Yes
Coinsurance2
Not
determinable
No
Yes
Annual out-of-pocket maximum3
Not
determinable
No
Yes
Not
determinable
No
Establishment characteristic
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
–
18
23
–
–
–
–
85
82
77
86
81
83
70
–
–
–
–
–
–
–
–
–
–
–
–
–
–
98
96
97
98
87
80
77
–
–
–
–
–
–
–
55
43
34
58
–
–
63
45
57
66
42
61
–
–
–
–
–
–
–
–
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
24
25
–
20
22
17
76
75
79
80
78
83
(4)
(4)
–
–
–
–
14
15
–
8
12
5
86
85
87
92
88
95
–
–
–
–
–
–
61
65
49
54
60
48
39
35
50
46
40
52
(4)
(4)
1
–
–
–
31
39
23
–
–
–
–
–
–
69
61
77
66
89
–
64
86
92
–
–
–
–
–
–
–
–
–
5
–
16
–
–
–
–
–
–
95
87
84
78
91
86
86
74
94
–
–
–
–
–
–
–
–
–
32
32
52
–
68
66
61
65
78
68
68
48
–
32
–
–
–
22
–
–
–
–
–
–
–
–
(4)
Geographic area
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 The deductible is the amount of covered expenses that an individual or family
must pay before any charges are paid by the medical care plan. Deductibles that apply
separately to a specific category of expenses, such as deductible for each hospital
admission, were excluded.
2 Represents the initial coinsurance in plans that have 100 percent coverage after
the individual pays a specified dollar amount toward expenses. For example, the plan
pays 80 percent until the individual’s out-of-pocket expenses reach $1,000, and then
coverage is 100 percent.
3 The out-of-pocket maximum is the annual limit on the amount of covered
expenses that a participant or a family must pay after the deductible has been satisfied.
Once reached, covered expenses are fully reimbursed for the rest of the year.
4 Less than 0.5 percent.
5 The percentile groupings are based on the average wage for each occupation
surveyed, which may include workers both above and below the threshold. The
percentile values are based on the estimates published in the "National Compensation
Survey: Occupational Earnings in the United States, 2007." See Technical Note for
more details.
NOTE: Dashes indicate that no data were reported or that data do not meet publication
criteria. For definitions of major plans, key provisions, and related terms, see the
"Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 11. Outpatient prescription drug benefits: Type of coverage, private industry
workers, National Compensation Survey, 2008
(All workers participating in outpatient prescription drug plans = 100 percent)
Characteristic
All workers .............................................................
Total
Generic
drugs
Brand-name
drugs
Mail order
drugs
Formulary
drugs1
100
100
99
79
71
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
100
100
100
100
100
100
100
100
100
99
100
100
100
99
100
99
100
100
100
100
99
99
99
96
80
86
77
68
80
76
83
78
73
74
73
64
76
76
77
59
100
100
100
100
100
99
100
100
100
100
99
94
100
99
100
78
78
82
83
79
51
68
71
66
79
Full time .................................................................
Part time ................................................................
100
100
100
100
99
96
80
63
72
60
Union .....................................................................
Nonunion ...............................................................
100
100
100
100
98
99
77
79
67
72
Average wage within the following percentiles:2
Less than 10 ......................................................
10 to under 25 ...................................................
25 to under 50 ...................................................
50 to under 75 ...................................................
75 to under 90 ...................................................
90 or greater ......................................................
100
100
100
100
100
100
100
100
100
100
100
99
100
99
99
99
99
99
84
68
79
79
81
82
79
60
73
72
69
74
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
99
98
99
100
100
100
100
100
99
100
100
100
100
99
100
100
100
100
99
98
99
99
99
99
99
100
100
100
99
98
100
96
100
98
100
96
84
76
87
77
74
78
71
73
95
90
86
82
82
79
97
76
75
68
66
57
70
73
75
72
76
74
82
83
76
75
75
72
79
64
68
46
Worker characteristic
Establishment characteristic
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
See footnotes at end of table.
Table 11. Outpatient prescription drug benefits: Type of coverage, private industry
workers, National Compensation Survey, 2008—Continued
(All workers participating in outpatient prescription drug plans = 100 percent)
Characteristic
Total
Generic
drugs
Brand-name
drugs
Mail order
drugs
Formulary
drugs1
Establishment characteristic
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
98
100
100
77
80
83
77
77
77
61
77
78
72
77
61
54
77
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
100
100
100
100
100
100
100
100
100
100
99
100
98
98
98
100
100
100
75
76
72
82
80
84
70
68
73
72
72
72
100
100
100
100
100
100
100
100
100
100
100
100
99
100
100
100
100
99
100
98
100
100
100
100
99
99
98
92
74
77
77
83
81
79
70
81
87
70
68
70
78
81
74
59
65
Geographic area
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Formulary drugs are a listing of prescription medications
that are covered by the plan.
2 The percentile groupings are based on the average wage
for each occupation surveyed, which may include workers both
above and below the threshold. The percentile values are
based on the estimates published in the "National
Compensation Survey: Occupational Earnings in the United
States, 2007." See Technical Note for more details.
NOTE: For definitions of major plans, key provisions, and
related terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20082009.htm.
Table 12. Outpatient prescription drug benefits: Copayment provisions, private industry workers, National
Compensation Survey, 2008
(In percent)
Generic drugs1
Characteristic
Copayment
All workers .............................................................
Brand-name drugs2
Median
Median
copayment
copayment
No
Not
No
Not
Copayment
per
per
copayment determinable
copayment determinable
prescription
prescription
85
13
2
$10.00
85
13
2
$25.00
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
Sales and related ...............................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Construction, extraction, farming, fishing, and
forestry .............................................................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
85
84
85
79
88
89
88
79
13
13
13
20
10
11
10
18
3
3
2
1
2
1
2
3
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
84
84
84
85
87
87
88
83
13
13
13
15
11
11
10
16
3
3
3
(3)
2
2
2
2
25.00
25.00
25.00
25.00
25.00
25.00
25.00
25.00
76
81
87
84
90
20
17
13
15
9
3
2
1
1
1
10.00
10.00
10.00
10.00
10.00
80
85
84
83
86
17
14
15
16
13
2
1
1
1
1
25.00
25.00
25.00
25.00
25.00
Full time .................................................................
Part time ................................................................
85
87
13
–
2
–
10.00
10.00
85
86
13
–
2
–
25.00
25.00
Union .....................................................................
Nonunion ...............................................................
76
87
23
12
1
2
10.00
10.00
79
86
19
12
2
2
20.00
25.00
Average wage within the following percentiles:4
Less than 10 ......................................................
10 to under 25 ...................................................
25 to under 50 ...................................................
50 to under 75 ...................................................
75 to under 90 ...................................................
90 or greater ......................................................
84
86
87
85
81
85
–
13
11
13
18
13
–
1
2
2
2
2
10.00
10.00
10.00
10.00
10.00
10.00
83
85
87
86
81
85
–
14
12
12
17
12
–
1
2
2
2
3
25.00
25.00
25.00
25.00
25.00
25.00
83
78
85
85
87
83
90
88
81
77
79
83
82
82
64
85
91
77
15
17
14
13
12
16
9
–
–
18
15
11
10
15
–
14
–
23
2
5
1
2
1
1
1
–
–
5
6
6
7
3
–
1
–
–
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
83
82
83
85
86
87
89
81
75
81
78
83
82
83
64
88
90
87
15
14
16
13
14
13
11
18
–
14
16
12
10
14
–
11
–
–
2
4
1
2
1
(3)
1
1
–
5
6
6
7
3
–
1
–
–
25.00
25.00
25.00
25.00
25.00
25.00
30.00
25.00
20.00
25.00
25.00
25.00
25.00
25.00
25.00
25.00
25.00
25.00
Worker characteristic
Establishment characteristic
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
Service-providing industries ..................................
Trade, transportation, and utilities .....................
Wholesale trade .............................................
Retail trade ....................................................
Transportation and warehousing ...................
Utilities ...........................................................
Information .........................................................
Financial activities .............................................
Finance and insurance ..................................
Credit intermediation and related activities
Insurance carriers and related activities ....
Real estate and rental and leasing ................
Professional and business services ..................
Professional and technical services ..............
Administrative and waste services ................
See footnotes at end of table.
Table 12. Outpatient prescription drug benefits: Copayment provisions, private industry workers, National
Compensation Survey, 2008—Continued
(In percent)
Generic drugs1
Characteristic
Copayment
Brand-name drugs2
Median
Median
copayment
copayment
No
Not
No
Not
Copayment
per
per
copayment determinable
copayment determinable
prescription
prescription
Establishment characteristic
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
87
91
91
86
86
83
91
11
–
–
12
–
–
–
2
–
–
2
–
–
–
$10.00
10.00
10.00
10.00
10.00
10.00
10.00
86
88
92
86
84
82
91
11
11
8
11
16
–
–
2
1
(3)
3
–
–
–
$25.00
25.00
25.00
25.00
25.00
25.00
25.00
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
85
85
83
85
85
85
13
12
14
14
14
13
3
2
3
1
1
2
10.00
10.00
10.00
10.00
10.00
10.00
85
86
83
85
85
84
13
12
14
14
14
14
2
2
3
2
1
2
25.00
25.00
25.00
25.00
25.00
25.00
94
81
84
82
88
93
80
81
86
5
16
13
17
11
–
20
–
12
1
2
4
1
1
–
(3)
–
2
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
92
86
83
80
89
89
78
81
86
7
–
13
18
11
–
22
–
11
1
–
3
2
(3)
–
(3)
–
3
25.00
25.00
25.00
29.00
25.00
25.00
25.00
25.00
25.00
Geographic area
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 All workers participating in an outpatient prescription drug plan with a generic drug
provision equals 100 percent.
2 All workers participating in an outpatient prescription drug plan with a brand-name
drug provision equals 100 percent.
3 Less than 0.5 percent.
4 The percentile groupings are based on the average wage for each occupation
surveyed, which may include workers both above and below the threshold. The
percentile values are based on the estimates published in the "National Compensation
Survey: Occupational Earnings in the United States, 2007." See Technical Note for more
details.
NOTE: Because of rounding, sums of individual items may not equal totals. Dashes
indicate that no data were reported or that data do not meet publication criteria. For
definitions of major plans, key provisions, and related terms, see the "Glossary of
Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.