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.
Table 13. Medical care benefits: Eligibility requirements, private industry workers, National Compensation
Survey, 2008
(All workers participating in medical care plans = 100 percent)
Service requirement
Characteristic
Total
With service
requirement
1 month
2 months 3 months
Median
service
Not
determinable requirement
(in months)
Greater
than 3
months
100
61
24
7
22
7
(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
47
49
45
66
65
76
60
72
27
28
27
24
24
19
26
15
5
6
–
–
8
10
7
12
10
12
9
33
26
35
21
30
4
2
–
5
7
12
5
14
(1)
(1)
(1)
–
(1)
–
1
1
1
1
1
3
–
3
2
3
100
100
100
100
100
68
76
70
71
68
–
19
22
24
19
–
11
11
12
8
24
35
28
27
30
19
10
9
7
10
–
1
1
1
1
3
3
3
–
3
Full time .................................................................
100
61
24
7
23
7
(1)
2
1
All workers .............................................................
Worker characteristic
Union .....................................................................
Nonunion ...............................................................
100
100
61
61
18
25
9
7
22
22
12
6
( )
(1)
3
2
Average wage within the following percentiles:2
Less than 10 ......................................................
25 to under 50 ...................................................
50 to under 75 ...................................................
75 to under 90 ...................................................
90 or greater ......................................................
100
100
100
100
100
78
69
66
58
44
–
22
24
27
25
–
9
9
6
5
25
28
26
18
10
–
10
6
7
–
–
(1)
(1)
(1)
–
3
3
–
2
1
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
67
76
63
59
69
65
77
59
38
58
61
55
55
52
83
50
43
57
35
23
16
26
24
18
19
17
17
–
24
28
34
32
33
–
23
25
32
30
13
13
13
5
7
–
10
–
–
–
11
4
–
–
–
–
–
–
–
21
30
20
23
31
33
31
32
–
26
20
14
14
15
40
18
–
17
–
9
17
5
7
12
–
18
–
–
–
–
–
–
–
–
–
–
–
(1)
(1)
–
(1)
(1)
1
–
1
–
–
(1)
–
–
–
–
–
–
–
1
–
2
3
2
–
3
3
3
3
–
–
2
1
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 ..............
Education and health services ...........................
Educational services ......................................
See footnotes at end of table.
Table 13. Medical care benefits: Eligibility requirements, private industry workers, National Compensation
Survey, 2008—Continued
(All workers participating in medical care plans = 100 percent)
Service requirement
Characteristic
Total
With service
requirement
1 month
2 months 3 months
Median
service
Not
determinable requirement
(in months)
Greater
than 3
months
Establishment characteristic
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
100
100
100
100
100
36
61
58
65
41
30
32
22
–
–
–
–
–
–
–
–
19
30
36
–
1
–
–
–
–
–
1
–
–
–
1
–
3
3
–
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
65
64
67
58
67
47
21
21
21
25
28
22
8
9
–
7
9
6
26
25
30
19
23
15
9
8
11
6
7
5
(1)
1
–
(1)
(1)
(1)
3
3
3
2
2
2
100
100
100
100
100
100
100
100
100
51
67
65
68
57
61
64
58
55
19
26
28
31
18
29
26
25
18
8
–
9
10
7
–
–
–
7
19
27
22
21
26
22
23
14
21
–
–
6
–
6
–
–
14
9
–
1
(1)
–
(1)
–
(1)
–
1
2
–
2
2
3
–
2
–
3
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 13. Medical care benefits: Eligibility requirements,
private industry workers, National Compensation Survey,
2008—Continued
(All workers participating in medical care plans = 100 percent)
Characteristic
All workers .............................................................
With no
service
requirement
Not
determinable
27
12
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 ..................
40
35
43
22
25
17
28
20
13
15
12
11
10
7
11
8
24
16
17
14
21
8
8
14
15
11
Full time .................................................................
28
11
Union .....................................................................
Nonunion ...............................................................
24
28
15
11
Average wage within the following percentiles:2
Less than 10 ......................................................
25 to under 50 ...................................................
50 to under 75 ...................................................
75 to under 90 ...................................................
90 or greater ......................................................
–
21
24
32
45
–
10
11
11
11
20
19
21
30
21
22
14
33
43
29
33
39
40
41
–
32
46
34
60
13
5
15
11
10
12
9
8
19
13
6
6
5
7
–
17
11
8
5
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 ..............
Education and health services ...........................
Educational services ......................................
See footnotes at end of table.
Table 13. Medical care benefits: Eligibility requirements,
private industry workers, National Compensation Survey,
2008—Continued
(All workers participating in medical care plans = 100 percent)
With no
service
requirement
Characteristic
Not
determinable
Establishment characteristic
Junior colleges, colleges, and universities
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
57
30
31
32
46
7
9
11
3
12
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
27
28
25
28
21
37
8
9
8
14
12
16
36
25
22
23
35
29
26
30
27
14
8
13
8
8
10
10
13
17
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 14. Medical care benefits: Coverage for selected services, private industry workers, National
Compensation Survey, 2008
(All workers participating in medical care plans = 100 percent)
Characteristic
All workers .............................................................
Hospital
room and
board
Inpatient
surgery
Outpatient
surgery1
Physician
office visit
Skilled
nursing
facility
Home
health
care2
Hospice
care
99
99
98
100
70
73
67
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 ..................
99
100
99
100
100
99
100
99
98
97
98
100
98
98
98
99
96
94
98
99
98
99
97
98
100
99
100
100
100
100
100
100
72
70
72
66
71
71
71
73
72
72
73
70
73
75
72
76
65
63
67
64
68
70
67
74
100
99
100
100
100
99
99
100
100
100
98
97
98
98
99
100
100
99
100
99
72
74
69
72
65
73
78
73
75
71
76
71
68
70
66
Full time .................................................................
Part time ................................................................
100
99
99
99
98
98
100
100
71
65
73
66
68
63
Union .....................................................................
Nonunion ...............................................................
100
99
100
98
99
97
100
100
73
70
69
73
68
67
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 ......................................................
99
100
100
100
99
99
99
100
98
99
98
98
100
99
98
97
97
97
100
100
100
100
99
100
62
65
71
72
74
68
67
67
75
74
74
69
56
61
71
69
68
62
100
100
100
99
100
100
99
100
100
100
100
100
100
100
100
98
96
100
99
99
99
98
99
100
98
99
100
99
97
96
99
91
100
96
95
99
98
99
97
97
98
95
99
97
100
99
95
95
97
91
94
95
93
100
99
100
99
100
99
100
99
99
100
100
100
100
100
100
100
100
100
100
72
69
72
70
68
65
70
65
64
70
65
66
66
61
63
70
71
66
73
72
73
73
73
69
74
79
68
66
66
67
67
64
62
67
67
64
69
73
68
67
68
63
69
75
66
60
60
63
63
60
49
62
65
59
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 14. Medical care benefits: Coverage for selected services, private industry workers, National
Compensation Survey, 2008—Continued
(All workers participating in medical care plans = 100 percent)
Characteristic
Hospital
room and
board
Inpatient
surgery
Outpatient
surgery1
Physician
office visit
Skilled
nursing
facility
Home
health
care2
Hospice
care
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
98
100
100
99
99
99
99
100
100
100
100
99
98
100
100
100
100
100
100
99
100
100
100
100
76
74
75
77
57
53
86
81
71
70
82
64
66
92
74
67
63
75
56
54
84
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
99
100
99
99
100
99
98
100
98
99
98
98
98
99
97
97
97
100
99
100
100
100
99
72
74
68
69
71
67
75
77
71
71
71
71
69
71
66
66
65
67
100
100
98
100
100
100
100
99
100
100
99
96
98
99
98
99
99
99
99
96
94
99
98
98
99
99
100
99
100
99
99
100
100
100
99
100
77
75
72
64
69
66
62
72
73
72
76
73
64
73
76
67
76
75
67
73
67
65
67
69
62
67
67
Geographic area
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Services incurred in the outpatient department of a hospital.
2 Plans that provide post-hospitalization care only to patients who were
"National Compensation Survey: Occupational Earnings in the United States,
2007." See Technical Note for more details.
previously hospitalized and are recovering without need of the extensive care
provided by a general hospital.
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
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 15. Medical care benefits: Median copayment1 per visit for selected services by type of plan, private industry
workers, National Compensation Survey, 2008
(Includes all workers participating in plans with specified copayments)
Hospital room and board
Characteristic
All workers .............................................................
All
plans
Fee-forservice
plans
Physician office visit
Health
maintenance
organizations
All
plans
Fee-forservice
plans
Outpatient surgery
Health
maintenance
organizations
All
plans
Fee-forservice
plans
Health
maintenance
organizations
$250
$250
$250
$20
$20
$15
–
$50
$75
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 ..................
250
250
250
250
250
250
250
250
250
250
250
250
250
250
250
–
250
250
250
250
250
250
250
250
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
15
15
15
15
20
20
–
15
–
–
–
–
–
$100
–
75
–
–
–
–
–
–
–
–
–
–
–
–
100
125
–
75
–
–
250
250
250
–
–
200
200
–
250
250
250
–
250
20
20
20
20
20
20
20
20
20
20
–
–
–
20
15
–
–
75
–
–
–
–
–
–
–
–
–
75
100
–
Full time .................................................................
Part time ................................................................
250
250
250
250
250
–
20
20
20
20
15
15
–
–
50
–
75
–
Union .....................................................................
Nonunion ...............................................................
250
250
–
250
250
250
15
20
15
20
–
20
–
–
–
50
–
–
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 ......................................................
–
250
250
250
250
250
250
250
250
250
250
250
–
500
250
250
250
250
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
15
15
15
–
–
50
–
–
–
–
–
–
–
75
–
–
–
–
100
–
–
250
400
250
250
250
250
250
250
100
250
250
250
250
250
250
250
250
250
250
400
200
250
–
–
250
–
100
300
250
250
250
250
–
200
–
–
250
–
250
250
250
–
–
250
250
–
250
250
250
–
250
–
250
250
20
20
20
20
20
20
20
20
15
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
25
20
–
20
20
20
20
20
25
20
20
20
–
15
–
15
–
15
20
–
–
15
20
20
20
–
20
–
20
–
–
–
30
–
100
100
–
–
25
–
–
–
25
–
–
100
–
150
30
–
30
–
100
100
100
–
25
–
25
–
25
–
20
–
–
–
75
–
–
–
100
100
125
–
25
–
–
–
–
–
–
–
150
150
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 15. Medical care benefits: Median copayment1 per visit for selected services by type of plan, private industry
workers, National Compensation Survey, 2008—Continued
(Includes all workers participating in plans with specified copayments)
Hospital room and board
Characteristic
All
plans
Fee-forservice
plans
Physician office visit
Health
maintenance
organizations
All
plans
Fee-forservice
plans
Outpatient surgery
Health
maintenance
organizations
All
plans
Fee-forservice
plans
Health
maintenance
organizations
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 ...................................................
$250
250
240
250
250
250
–
–
$250
250
–
250
250
–
$250
250
150
250
–
–
–
$20
15
15
20
20
20
20
$20
20
–
20
20
20
20
$15
15
15
15
20
–
20
$30
–
–
30
–
–
–
–
–
–
–
–
–
–
–
$20
–
–
50
–
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
250
250
250
250
250
250
250
250
250
250
250
–
250
250
–
250
250
250
20
20
20
20
20
15
20
20
20
20
20
20
20
20
20
15
15
15
–
–
–
–
–
50
–
–
–
$50
–
50
–
–
–
–
–
–
250
250
250
250
250
250
250
250
250
250
–
200
240
250
–
250
250
–
250
250
250
300
250
–
500
250
250
15
20
20
20
20
20
20
20
–
–
20
20
20
20
20
20
20
20
15
15
15
20
20
–
20
20
15
–
75
50
–
–
–
–
–
–
–
–
50
50
50
–
–
–
–
–
75
–
–
–
–
–
–
–
Geographic area
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 A copayment is the amount of covered expenses that an individual must pay
before any charges are paid by the medical 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: 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 16. Medical care benefits: Median number of days or visits covered per year for
selected services by type of plan, private industry workers, National Compensation
Survey, 2008
(Includes all workers participating in plans with specified day limits)
Home health care1
Skilled nursing facility
Characteristic
All workers .............................................................
All
plans
Fee-forservice
plans
Health
maintenance
organizations
All
plans
Fee-forservice
plans
Health
maintenance
organizations
90
90
100
100
100
100
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 ..................
90
100
90
–
100
100
100
90
90
90
90
60
90
90
90
90
100
100
100
100
100
100
100
100
100
100
90
100
90
–
100
100
90
100
90
100
90
60
100
100
100
100
100
60
100
100
–
100
90
100
90
100
–
–
90
90
90
60
100
100
100
100
100
100
100
100
100
90
90
100
100
100
90
120
100
100
100
100
Full time .................................................................
Part time ................................................................
90
100
90
90
100
100
100
–
100
–
100
–
Union .....................................................................
Nonunion ...............................................................
100
90
90
90
100
100
100
100
100
90
100
100
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 ......................................................
–
90
90
100
100
–
60
–
–
90
100
–
–
100
100
100
100
100
–
100
100
100
100
90
–
90
100
90
100
90
–
–
60
100
100
–
100
90
100
90
90
100
90
60
100
100
90
90
100
–
–
100
–
100
90
–
100
90
–
100
–
60
100
–
–
–
100
60
–
100
–
100
100
100
100
100
100
100
100
100
100
100
100
100
–
100
–
100
100
100
100
100
100
100
–
90
–
–
100
100
100
100
100
100
–
100
100
100
100
90
100
100
–
90
–
–
–
100
100
100
100
100
100
100
100
100
100
–
100
100
100
100
100
–
100
100
–
100
–
100
–
100
120
–
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 16. Medical care benefits: Median number of days or visits covered per year for
selected services by type of plan, private industry workers, National Compensation
Survey, 2008—Continued
(Includes all workers participating in plans with specified day limits)
Home health care1
Skilled nursing facility
Characteristic
All
plans
Fee-forservice
plans
Health
maintenance
organizations
All
plans
Fee-forservice
plans
Health
maintenance
organizations
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 ...................................................
90
90
100
90
–
90
90
–
90
90
–
60
60
–
100
100
100
100
100
–
100
90
100
100
90
100
100
90
90
100
100
90
100
100
90
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
90
90
–
90
90
90
–
90
–
100
100
100
100
100
100
90
90
100
100
100
100
90
90
90
100
100
100
100
100
100
100
100
90
100
100
–
60
90
100
60
90
100
100
90
90
–
60
90
60
90
100
100
100
–
–
100
–
100
100
100
100
100
90
100
90
–
100
–
100
100
100
90
100
90
90
–
–
100
100
120
60
60
60
–
100
100
100
Geographic area
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Plans that provide post-hospitalization care only to patients
who were previously hospitalized and are recovering without need
of the extensive care provided by a general hospital.
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: 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 17. Fee-for-service plans: Coverage for selected services, private industry workers, National
Compensation Survey, 2008
(All workers participating in fee-for-service plans = 100 percent)
Characteristic
All workers .............................................................
Hospital
room and
board
Inpatient
surgery
Outpatient
surgery1
Physician
office visit
Skilled
nursing
facility
Home
health
care2
Hospice
care
99
98
98
100
70
73
68
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 ..................
99
99
99
100
99
99
99
99
97
97
98
99
98
98
98
98
96
94
97
100
98
99
97
98
99
99
100
100
99
99
99
100
71
70
72
65
70
71
70
76
73
72
73
69
73
76
72
81
66
63
67
64
69
70
69
79
100
99
100
100
100
99
98
100
100
100
98
98
99
99
99
100
100
99
99
99
75
76
68
71
65
78
84
73
74
72
83
75
68
70
66
Full time .................................................................
Part time ................................................................
99
98
98
98
98
98
99
100
70
67
74
68
69
65
Union .....................................................................
Nonunion ...............................................................
100
99
100
98
99
97
99
100
77
69
73
73
74
67
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 ......................................................
99
100
99
100
99
99
98
99
98
98
98
98
100
100
98
98
96
97
100
100
99
100
99
100
60
63
71
71
73
70
65
65
76
75
74
71
53
59
72
71
69
65
100
100
100
99
100
100
99
100
100
100
100
100
100
100
99
97
95
100
99
99
99
98
99
100
98
98
100
99
96
96
99
90
99
95
95
99
97
99
97
98
99
100
99
97
100
99
95
95
98
91
95
94
93
100
99
100
99
100
99
100
99
99
100
100
100
100
100
100
100
100
100
100
71
69
71
70
68
65
72
63
61
69
65
64
64
60
67
67
70
63
74
74
73
73
75
67
76
86
64
68
67
68
68
64
66
65
68
60
71
75
68
68
70
61
71
80
64
63
61
62
62
60
57
61
66
55
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 17. Fee-for-service plans: Coverage for selected services, private industry workers, National
Compensation Survey, 2008—Continued
(All workers participating in fee-for-service plans = 100 percent)
Characteristic
Hospital
room and
board
Inpatient
surgery
Outpatient
surgery1
Physician
office visit
Skilled
nursing
facility
Home
health
care2
Hospice
care
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
97
100
100
99
99
98
99
100
100
100
100
99
98
100
100
100
100
100
100
99
100
100
100
100
78
77
83
78
58
54
93
81
72
77
82
68
67
97
75
66
69
76
59
56
86
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
99
99
100
99
99
100
98
98
100
98
98
98
98
98
99
97
98
97
100
99
100
100
100
99
72
75
66
69
72
66
75
78
69
72
73
71
69
71
64
68
68
68
100
100
98
100
100
100
100
99
100
100
99
95
99
99
98
99
98
99
99
98
94
99
97
98
99
99
99
99
100
99
99
100
100
100
99
100
80
77
72
62
68
65
63
72
73
77
79
72
62
72
76
68
77
78
74
76
67
64
68
70
64
67
69
Geographic area
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Services incurred in the outpatient department of a hospital.
2 Plans that provide post-hospitalization care only to patients who were
"National Compensation Survey: Occupational Earnings in the United States,
2007." See Technical Note for more details.
previously hospitalized and are recovering without need of the extensive care
provided by a general hospital.
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
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 18. Fee-for-service plans: Coverage for mental health care and substance abuse treatment, private
industry workers, National Compensation Survey, 2008
(All workers participating in fee-for-service plans = 100 percent)
Characteristic
All workers .............................................................
Inpatient
Outpatient
Inpatient
mental
mental
alcohol
health care health care detoxification1
Inpatient
alcohol
rehabilitation2
Outpatient
alcohol
rehabilitation2
Inpatient drug
detoxification1
99
84
98
80
79
98
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 ..................
99
99
99
98
98
99
98
100
84
84
85
81
81
80
81
91
99
99
100
96
98
98
98
99
80
79
81
81
77
76
78
86
81
80
81
75
77
76
78
86
99
99
99
96
98
98
98
99
100
100
99
99
100
92
90
85
82
89
98
100
97
97
98
84
89
77
74
81
84
88
78
75
83
98
100
97
97
98
Full time .................................................................
Part time ................................................................
99
94
85
73
98
94
80
71
80
68
98
94
Union .....................................................................
Nonunion ...............................................................
99
99
89
83
96
99
83
79
81
79
96
98
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 ......................................................
96
97
99
99
99
99
73
74
84
87
87
82
95
92
98
99
99
99
70
72
79
81
84
77
69
67
79
82
84
78
95
92
98
99
99
99
99
99
99
99
99
100
98
100
96
98
100
100
100
100
99
98
100
93
87
92
85
83
81
80
80
85
79
92
76
74
72
74
81
75
77
63
97
99
98
98
98
100
97
100
96
100
100
100
100
100
99
96
100
87
78
84
76
80
78
79
76
83
68
89
74
73
70
71
81
75
76
66
79
85
77
79
78
79
76
84
68
85
74
72
70
71
81
72
76
56
97
99
97
98
98
100
96
100
94
100
100
100
100
100
99
96
100
87
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 18. Fee-for-service plans: Coverage for mental health care and substance abuse treatment, private
industry workers, National Compensation Survey, 2008—Continued
(All workers participating in fee-for-service plans = 100 percent)
Characteristic
Inpatient
Outpatient
Inpatient
mental
mental
alcohol
health care health care detoxification1
Inpatient
alcohol
rehabilitation2
Outpatient
alcohol
rehabilitation2
Inpatient drug
detoxification1
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
99
99
100
99
98
100
90
86
90
90
94
96
99
100
99
99
100
99
100
100
86
81
83
86
90
96
92
85
84
88
85
90
96
98
100
99
99
100
99
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
98
99
98
85
85
84
83
84
82
98
99
97
98
99
97
80
81
77
79
80
79
80
82
76
79
81
77
98
99
97
98
98
97
100
100
100
98
99
99
99
96
99
85
88
81
84
79
88
84
83
88
100
99
99
99
99
99
94
96
98
83
85
79
81
78
82
74
75
82
80
87
77
81
78
83
75
73
82
100
99
99
99
99
99
94
96
97
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 18. Fee-for-service plans: Coverage for mental health
care and substance abuse treatment, private industry
workers, National Compensation Survey, 2008—Continued
(All workers participating in fee-for-service plans = 100 percent)
Inpatient drug
rehabilitation2
Outpatient
drug
rehabilitation2
80
79
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 ..................
80
79
81
81
77
76
78
86
81
80
81
75
77
76
78
86
84
89
77
74
81
84
88
78
75
83
Full time .................................................................
Part time ................................................................
80
71
80
68
Union .....................................................................
Nonunion ...............................................................
83
79
81
79
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 ......................................................
70
72
79
81
84
77
69
67
79
82
84
78
78
84
76
80
78
79
76
83
67
89
74
73
70
71
81
75
76
66
79
85
77
79
78
79
76
84
68
85
74
72
70
71
81
72
76
56
Characteristic
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 18. Fee-for-service plans: Coverage for mental health
care and substance abuse treatment, private industry
workers, National Compensation Survey, 2008—Continued
(All workers participating in fee-for-service plans = 100 percent)
Inpatient drug
rehabilitation2
Outpatient
drug
rehabilitation2
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 ...................................................
86
81
83
86
90
96
92
85
84
88
85
90
96
98
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
80
81
77
79
80
79
80
82
76
79
81
77
83
85
79
81
78
82
74
75
82
80
86
77
81
78
82
75
73
82
Characteristic
Establishment characteristic
Geographic area
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Detoxification is the systematic use of
medication and other methods under
medical supervision to reduce or eliminate
the effects of substance abuse.
2 Rehabilitation is designed to alter
abusive behavior in patients once they are
free of acute physical and mental
complications.
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: 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 19. Health maintenance organizations: Coverage for selected services, private industry workers,
National Compensation Survey, 2008
(All workers participating in health maintenance organizations = 100 percent)
Characteristic
All workers .............................................................
Hospital
room and
board
Inpatient
surgery
Outpatient
surgery1
Physician
office visit
Skilled
nursing
facility
Home
health
care2
Hospice
care
100
100
97
100
71
71
64
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
99
99
100
100
100
100
100
100
97
95
98
99
97
98
96
97
100
100
100
100
100
100
100
100
72
70
73
70
72
69
74
65
72
71
73
72
72
70
73
60
65
63
65
65
64
68
63
57
100
100
100
100
100
100
100
100
100
100
100
95
97
96
100
100
100
100
100
100
60
68
73
77
68
58
62
72
77
65
54
59
69
71
66
Full time .................................................................
Part time ................................................................
100
100
100
100
97
99
100
100
72
59
71
59
65
55
Union .....................................................................
Nonunion ...............................................................
100
100
100
100
100
97
100
100
64
73
58
74
53
67
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
100
100
100
100
100
99
100
99
99
96
97
97
100
100
100
100
100
100
82
73
70
74
76
60
82
72
74
71
74
62
79
68
67
65
67
54
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
98
98
99
95
100
99
99
100
99
100
99
97
93
82
99
98
100
100
94
94
94
92
93
97
92
100
99
100
99
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
73
68
76
71
66
68
62
70
81
75
66
71
75
65
–
81
81
74
70
63
73
71
66
75
64
–
90
56
62
66
66
66
–
76
65
74
65
62
67
64
63
67
63
50
81
43
55
64
67
58
–
66
58
70
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 19. Health maintenance organizations: Coverage for selected services, private industry workers,
National Compensation Survey, 2008—Continued
(All workers participating in health maintenance organizations = 100 percent)
Characteristic
Hospital
room and
board
Inpatient
surgery
Outpatient
surgery1
Physician
office visit
Skilled
nursing
facility
Home
health
care2
Hospice
care
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
99
99
100
100
100
100
100
99
98
100
100
100
100
100
100
100
100
100
100
100
72
69
62
72
55
–
74
80
70
58
82
55
63
82
72
67
54
74
48
–
80
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
99
100
100
100
100
99
98
99
96
94
98
100
100
100
100
100
99
74
74
75
69
67
71
76
74
82
67
63
71
71
70
75
59
54
65
100
100
100
100
100
100
100
100
100
99
100
100
98
100
100
100
100
100
100
91
96
96
98
96
100
100
100
100
100
100
94
100
100
100
100
100
73
72
67
78
76
70
55
68
72
65
70
73
78
78
73
57
70
70
58
65
71
74
65
69
–
65
65
Geographic area
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Services incurred in the outpatient department of a hospital.
2 Plans that provide post-hospitalization care only to patients who were
"National Compensation Survey: Occupational Earnings in the United States,
2007." See Technical Note for more details.
previously hospitalized and are recovering without need of the extensive care
provided by a general hospital.
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
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 20. Health maintenance organizations: Coverage for mental health care and substance abuse
treatment, private industry workers, National Compensation Survey, 2008
(All workers participating in health maintenance organizations = 100 percent)
Characteristic
All workers .............................................................
Inpatient
Outpatient
Inpatient
mental
mental
alcohol
health care health care detoxification1
Inpatient
alcohol
rehabilitation2
Outpatient
alcohol
rehabilitation2
Inpatient drug
detoxification1
98
87
98
72
79
98
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 ..................
98
97
99
96
99
100
98
99
89
89
89
90
82
72
86
88
98
97
98
99
99
100
98
100
74
78
72
73
72
71
72
67
79
84
76
83
77
67
80
77
97
95
98
99
99
100
98
99
100
98
97
97
97
91
87
89
87
93
100
99
98
98
98
61
72
72
72
70
74
80
84
82
88
100
99
98
98
98
Full time .................................................................
Part time ................................................................
98
96
88
78
98
97
73
56
80
71
98
97
Union .....................................................................
Nonunion ...............................................................
98
98
91
86
100
98
78
71
83
78
100
98
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
96
98
98
100
98
95
91
80
88
89
89
100
97
99
99
99
98
92
69
68
72
77
74
87
79
75
81
82
77
100
97
98
99
98
97
99
100
98
98
99
100
97
100
97
100
98
100
100
100
91
100
100
100
89
100
84
87
78
81
67
92
97
93
78
84
84
88
62
92
90
89
98
100
98
98
99
100
97
100
97
100
100
100
100
100
100
99
98
100
71
64
73
72
64
74
60
–
–
92
72
73
71
79
–
86
88
75
82
87
80
79
69
70
58
92
62
84
77
76
75
79
78
91
90
89
98
100
98
98
99
100
97
100
97
100
99
98
100
100
100
99
98
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 ..............
Administrative and waste services ................
See footnotes at end of table.
Table 20. Health maintenance organizations: Coverage for mental health care and substance abuse
treatment, private industry workers, National Compensation Survey, 2008—Continued
(All workers participating in health maintenance organizations = 100 percent)
Characteristic
Inpatient
Outpatient
Inpatient
mental
mental
alcohol
health care health care detoxification1
Inpatient
alcohol
rehabilitation2
Outpatient
alcohol
rehabilitation2
Inpatient drug
detoxification1
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 ...................................................
99
100
100
99
94
100
82
93
91
91
94
94
100
82
99
100
100
99
100
100
82
75
77
75
74
79
93
–
79
82
77
78
83
93
71
99
100
100
98
100
100
82
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
97
97
97
99
99
98
84
85
81
90
89
90
98
98
98
99
99
99
65
65
66
78
75
81
78
79
76
80
77
84
98
98
98
98
99
98
100
93
99
100
99
99
100
99
99
89
81
84
81
94
93
82
87
89
100
94
97
100
99
100
100
99
100
85
67
76
81
77
92
65
77
65
86
80
79
81
86
93
61
85
74
100
94
97
100
98
100
100
99
100
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 20. Health maintenance organizations: Coverage for
mental health care and substance abuse treatment, private
industry workers, National Compensation Survey,
2008—Continued
(All workers participating in health maintenance organizations = 100 percent)
Inpatient drug
rehabilitation2
Outpatient
drug
rehabilitation2
72
79
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 ..................
74
78
72
73
72
70
72
66
79
84
76
83
76
66
80
77
61
71
72
72
70
74
79
84
82
88
Full time .................................................................
Part time ................................................................
73
56
80
71
Union .....................................................................
Nonunion ...............................................................
78
71
83
78
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 ......................................................
92
69
68
72
77
74
87
79
75
81
82
77
71
64
73
72
63
73
60
–
–
92
72
73
71
79
–
86
88
75
82
87
80
79
68
68
58
92
62
84
77
76
75
79
78
91
90
89
Characteristic
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 20. Health maintenance organizations: Coverage for
mental health care and substance abuse treatment, private
industry workers, National Compensation Survey,
2008—Continued
(All workers participating in health maintenance organizations = 100 percent)
Inpatient drug
rehabilitation2
Outpatient
drug
rehabilitation2
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 ...................................................
75
78
77
74
79
93
–
79
83
79
78
83
93
71
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
65
65
66
78
75
81
78
78
76
81
77
84
85
67
76
81
77
92
65
76
65
86
80
79
81
86
93
61
84
74
Characteristic
Establishment characteristic
Geographic area
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Detoxification is the systematic use of
medication and other methods under
medical supervision to reduce or eliminate
the effects of substance abuse.
2 Rehabilitation is designed to alter
abusive behavior in patients once they are
free of acute physical and mental
complications.
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: 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 21. Medical care benefits: Coverage for selected services by type
of plan, all private industry workers, National Compensation Survey,
2008
((All workers participating in medical care plans = 100 percent)
All plans
Characteristic
All workers .............................................................
Adult
Hearing
physical
care
exam
Well
baby
care1
Adult
immunization
and
inoculation
32
80
77
56
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 ..................
33
31
34
30
31
35
30
40
79
81
77
79
79
82
77
87
78
79
77
73
76
77
76
80
55
59
52
46
59
60
59
57
42
38
30
32
26
86
87
81
82
81
77
83
78
80
75
55
59
56
61
50
Full time .................................................................
Part time ................................................................
32
36
80
79
77
76
56
55
Union .....................................................................
Nonunion ...............................................................
32
32
85
79
79
77
50
57
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 ......................................................
38
30
30
32
35
32
80
79
79
81
83
77
77
73
76
78
79
77
55
51
57
57
58
51
33
37
32
32
33
38
36
22
–
26
26
23
23
18
36
39
38
82
87
79
80
83
82
84
80
84
93
73
78
79
75
54
78
75
78
77
78
77
79
76
79
79
86
92
76
80
78
83
61
72
68
59
58
59
54
58
50
62
57
69
68
56
59
62
58
42
48
53
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 21. Medical care benefits: Coverage for selected services by type
of plan, all private industry workers, National Compensation Survey,
2008—Continued
((All workers participating in medical care plans = 100 percent)
All plans
Characteristic
Adult
Hearing
physical
care
exam
Well
baby
care1
Adult
immunization
and
inoculation
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 ...................................................
39
30
34
30
29
23
–
30
82
78
82
83
77
79
85
83
72
76
78
77
76
76
78
83
40
55
56
59
55
51
55
49
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
32
30
36
32
33
31
82
81
83
79
77
81
76
76
77
78
78
77
54
54
56
57
58
55
37
31
26
29
35
41
32
32
34
82
82
76
79
77
81
85
79
83
77
81
70
72
77
79
83
71
83
52
52
54
52
54
54
57
56
64
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 21. Medical care benefits: Coverage for selected services by type of plan, all private industry
workers, National Compensation Survey, 2008—Continued
((All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristic
All workers .............................................................
Adult
Hearing
physical
care
exam
Well
baby
care1
Health maintenance organization
Adult
Adult
immunization Hearing
physical
and
care
exam
inoculation
Well
baby
care1
Adult
immunization
and
inoculation
29
81
77
56
42
77
78
54
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 ..................
30
26
32
22
28
33
26
41
80
82
80
81
78
82
77
90
78
80
76
73
76
78
75
81
55
60
52
48
59
59
59
60
44
50
40
54
42
42
43
34
73
80
69
72
80
82
79
77
78
76
80
74
78
75
80
78
54
58
51
39
60
64
59
49
45
38
27
28
26
91
88
82
83
80
79
82
78
81
73
57
62
57
62
49
31
38
38
47
25
69
84
81
77
88
71
85
80
79
82
46
52
56
57
55
Full time .................................................................
Part time ................................................................
29
35
81
78
77
74
56
55
43
40
77
80
78
82
54
52
Union .....................................................................
Nonunion ...............................................................
32
29
86
80
79
77
54
57
32
45
81
76
77
79
39
57
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 ......................................................
36
24
27
29
32
31
81
80
80
83
83
79
76
72
76
79
78
77
54
51
55
59
58
52
–
54
42
41
48
35
77
77
79
76
82
71
84
77
79
76
82
78
64
51
62
52
57
46
33
40
30
28
31
33
34
23
–
26
23
19
19
14
39
34
35
83
88
81
80
82
84
83
76
83
93
74
76
78
72
67
77
76
78
75
80
76
78
74
80
76
83
92
80
81
79
84
76
68
65
61
60
60
55
55
43
60
57
66
71
57
58
61
57
54
47
50
36
23
39
44
41
50
44
–
–
24
35
37
37
–
–
59
53
77
85
74
77
86
79
86
95
93
95
68
85
83
87
–
80
69
75
85
71
79
83
81
78
95
99
95
62
77
75
77
–
90
85
53
49
52
54
69
69
72
60
84
54
52
66
66
64
–
50
68
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 21. Medical care benefits: Coverage for selected services by type of plan, all private industry
workers, National Compensation Survey, 2008—Continued
((All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristic
Adult
Hearing
physical
care
exam
Well
baby
care1
Health maintenance organization
Adult
Adult
immunization Hearing
physical
and
care
exam
inoculation
Well
baby
care1
Adult
immunization
and
inoculation
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 ...................................................
33
25
32
31
23
–
–
–
79
79
83
88
78
88
92
95
66
74
79
83
74
84
83
96
42
54
60
65
53
60
62
66
57
44
–
28
46
–
–
–
89
75
81
75
74
58
63
62
89
82
78
66
83
59
63
58
–
58
50
50
60
–
–
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
29
26
33
30
31
28
83
82
85
80
79
81
76
76
76
77
77
78
53
53
54
58
58
58
43
40
51
42
42
42
79
79
78
75
70
81
76
76
78
80
82
77
57
54
66
51
56
45
–
30
24
27
32
42
32
28
27
88
82
76
80
78
84
86
82
83
82
82
69
71
77
82
83
73
80
54
52
54
51
55
56
56
54
70
50
33
37
–
48
–
–
49
46
74
80
77
67
74
–
74
63
83
71
79
73
85
76
–
85
64
87
50
51
52
–
52
–
63
66
55
Geographic area
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Provides preventive pediatric care, routine pediatric care, and routine
pediatric immunization for children two years and younger.
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: 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 22. Hospital room and board benefits: Extent of coverage by type of
plan, private industry workers, National Compensation Survey, 2008
(All workers participating in medical care plans = 100 percent)
All plans
Characteristic
All workers .............................................................
Full
coverage
Coverage
No
Not
with
coverage determinable
limits1
12
88
–
–
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 ..................
12
10
14
16
10
11
10
13
87
90
85
84
89
89
89
86
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
9
18
10
13
6
91
81
90
87
94
–
–
–
–
–
–
–
–
–
–
Full time .................................................................
Part time ................................................................
11
23
88
76
–
–
–
–
Union .....................................................................
Nonunion ...............................................................
18
11
82
89
–
–
–
–
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 ......................................................
–
14
10
12
11
15
97
86
89
88
88
84
–
–
–
–
–
–
1
–
–
–
–
–
11
7
13
12
9
13
8
–
–
–
8
9
8
12
–
–
–
–
89
93
87
87
91
87
91
97
84
90
92
91
92
88
98
93
92
93
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2
4
(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 22. Hospital room and board benefits: Extent of coverage by type of
plan, private industry workers, National Compensation Survey,
2008—Continued
(All workers participating in medical care plans = 100 percent)
All plans
Characteristic
Full
coverage
Coverage
No
Not
with
coverage determinable
limits1
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 ...................................................
25
28
34
25
–
–
–
75
72
66
75
90
97
75
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
14
16
9
11
10
12
86
84
90
89
89
88
–
–
–
–
–
–
–
–
–
–
–
–
16
22
8
–
13
–
–
–
14
84
78
90
95
87
92
91
96
86
–
–
–
–
–
–
–
–
–
–
–
–
(2)
–
–
–
(2)
–
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 22. Hospital room and board benefits: Extent of coverage by type of plan, private industry workers,
National Compensation Survey, 2008—Continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristic
All workers .............................................................
Full
coverage
Health maintenance organization
Coverage
Coverage
No
Not
Full
No
Not
with
with
coverage
determinable
coverage
coverage determinable
limits1
limits1
7
92
–
–
29
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 ..................
7
5
8
12
6
6
5
6
92
94
90
87
94
93
94
93
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
31
25
35
–
27
29
27
34
69
75
65
71
73
71
73
66
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
6
7
–
94
91
94
93
96
–
–
–
–
–
(2)
1
–
–
(2)
–
47
26
37
–
82
53
74
63
90
–
–
–
–
–
–
–
–
–
–
Full time .................................................................
Part time ................................................................
7
11
93
87
–
–
–
–
27
58
73
42
–
–
–
–
Union .....................................................................
Nonunion ...............................................................
–
7
92
93
–
–
(2)
–
44
26
56
74
–
–
–
–
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 ......................................................
–
–
6
7
7
8
97
92
94
93
92
91
–
–
–
–
–
–
1
(2)
–
–
–
–
–
39
30
25
26
38
97
61
70
75
74
62
–
–
–
–
–
–
–
–
–
–
–
–
5
–
7
7
5
12
3
–
–
2
5
7
–
–
–
–
–
–
95
97
93
92
94
88
96
99
94
98
94
93
93
93
98
94
92
96
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
(2)
–
–
–
–
–
–
–
–
–
–
–
–
–
3
5
(2)
34
25
37
28
23
–
31
–
65
47
15
19
–
–
–
–
–
–
66
75
63
72
77
85
69
91
–
53
85
81
87
69
98
89
93
85
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
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 22. Hospital room and board benefits: Extent of coverage by type of plan, private industry workers,
National Compensation Survey, 2008—Continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristic
Full
coverage
Health maintenance organization
Coverage
Coverage
No
Not
Full
No
Not
with
with
coverage
determinable
coverage
coverage determinable
limits1
limits1
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 ...................................................
16
16
25
16
–
–
–
84
84
75
84
92
96
80
–
–
–
–
–
–
–
–
–
–
–
–
–
–
52
49
50
52
–
–
–
48
51
50
48
86
100
66
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
8
10
–
6
5
7
91
89
95
93
94
93
–
–
–
–
–
–
–
–
(2)
–
–
–
31
32
29
28
26
30
69
68
71
72
74
70
–
–
–
–
–
–
–
–
–
–
–
–
–
19
4
–
8
–
–
–
–
87
81
94
96
92
96
93
97
97
–
–
–
–
–
–
–
–
–
–
–
–
(2)
–
–
–
(2)
(2)
21
31
32
–
–
–
–
–
33
79
69
68
80
67
–
76
93
67
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic area
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement
that the participant pay a percentage of costs (coinsurance), or a requirement that
the participant pay a specific amount (deductible or copayment) before
reimbursement begins or services are rendered.
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 23. Inpatient surgery benefits: Extent of coverage by type of plan,
private industry workers, National Compensation Survey, 2008
(All workers participating in medical care plans = 100 percent)
All plans
Characteristic
All workers .............................................................
Full
Coverage
No
Not
coverage with limits coverage determinable
20
79
–
–
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 ..................
20
19
21
26
21
20
21
18
78
79
77
74
78
78
77
80
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
13
23
15
15
13
86
75
85
84
86
–
–
–
–
–
–
–
–
–
–
Full time .................................................................
Part time ................................................................
19
28
79
71
–
–
–
–
Union .....................................................................
Nonunion ...............................................................
24
19
76
79
–
–
–
–
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 ......................................................
–
20
17
21
20
21
88
80
81
78
78
77
–
–
–
–
–
–
–
–
–
–
–
–
15
10
16
21
16
21
17
10
–
18
20
21
24
19
–
14
–
–
85
89
83
77
82
79
82
89
83
82
77
75
75
72
84
82
85
76
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
5
(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 23. Inpatient surgery benefits: Extent of coverage by type of plan,
private industry workers, National Compensation Survey,
2008—Continued
(All workers participating in medical care plans = 100 percent)
All plans
Characteristic
Full
Coverage
No
Not
coverage with limits coverage 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 ...................................................
34
38
47
33
–
–
39
65
61
51
66
81
85
61
–
–
–
–
–
–
–
–
–
–
–
(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 ..........................................
21
23
16
19
17
21
78
75
84
80
82
77
–
–
–
–
–
–
–
–
–
–
–
–
–
31
11
5
23
15
12
–
27
71
68
85
93
76
83
87
88
72
–
–
–
–
–
–
–
–
–
(1)
–
–
–
–
–
–
1
–
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 23. Inpatient surgery benefits: Extent of coverage by type of plan, private industry workers, National
Compensation Survey, 2008—Continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristic
All workers .............................................................
Health maintenance organization
Full
Coverage
No
Not
Full
Coverage
No
Not
coverage with limits coverage determinable coverage with limits coverage determinable
10
88
–
–
54
46
–
–
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
8
11
14
10
8
11
10
87
89
86
86
88
90
87
89
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
56
55
57
69
58
70
53
44
43
44
42
31
42
30
47
56
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
11
7
7
–
91
87
92
93
92
–
–
–
–
–
1
–
–
–
(1)
30
56
42
47
34
70
44
58
53
66
–
–
–
–
–
–
–
–
–
–
Full time .................................................................
Part time ................................................................
10
13
89
86
–
–
–
–
53
75
47
–
–
–
–
–
Union .....................................................................
Nonunion ...............................................................
10
10
90
88
–
–
–
–
62
52
38
48
–
–
–
–
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 ......................................................
–
8
9
11
10
11
91
92
90
88
87
87
–
–
–
–
–
–
–
–
–
–
–
–
–
66
54
50
54
57
64
34
46
50
45
42
–
–
–
–
–
–
–
–
–
–
–
–
7
–
8
11
7
12
6
–
–
–
12
14
18
11
–
–
–
–
92
95
91
87
91
88
92
94
92
89
85
81
81
79
98
91
90
96
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1
–
–
–
–
–
2
–
1
–
–
–
–
–
5
5
(1)
45
34
47
57
52
–
64
–
65
57
48
46
42
50
55
52
43
81
55
66
53
43
48
56
36
65
–
43
50
52
57
45
–
47
56
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
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 23. Inpatient surgery benefits: Extent of coverage by type of plan, private industry workers, National
Compensation Survey, 2008—Continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristic
Health maintenance organization
Full
Coverage
No
Not
Full
Coverage
No
Not
coverage with limits coverage determinable coverage with limits coverage 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 ...................................................
22
18
28
22
–
–
–
77
81
71
77
94
96
77
–
–
–
–
–
–
–
–
–
–
–
(1)
–
–
68
72
79
67
50
–
68
32
–
20
33
50
–
–
–
–
–
–
–
–
–
–
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 ..........................................
10
13
–
9
7
12
88
85
94
89
91
86
–
–
–
–
–
–
–
–
( )
–
–
–
54
53
59
54
52
56
45
47
41
46
48
44
–
–
–
–
–
–
–
–
–
–
–
–
–
23
4
–
12
–
–
–
–
85
76
91
96
87
91
92
94
88
–
–
–
–
–
–
–
–
–
–
–
–
1
–
2
1
1
1
46
52
51
–
69
88
–
40
56
53
48
49
61
31
–
55
60
44
–
–
–
–
–
–
–
–
–
–
–
–
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 24. Outpatient surgery benefits: Extent of coverage by type of plan,
private industry workers, National Compensation Survey, 2008
(All workers participating in medical care plans = 100 percent)
All plans
Characteristic
All workers .............................................................
Full
Coverage
No
Not
coverage with limits coverage determinable
14
84
–
–
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 ..................
14
11
15
19
12
13
12
13
83
83
82
81
85
86
85
84
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
10
16
12
15
8
88
81
86
83
91
–
–
–
–
–
–
–
–
–
–
Full time .................................................................
Part time ................................................................
13
20
84
78
–
–
–
–
Union .....................................................................
Nonunion ...............................................................
20
12
79
85
–
–
–
–
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 ......................................................
–
13
11
14
14
16
96
86
87
83
83
81
–
–
–
–
–
–
–
–
–
–
–
–
12
6
15
14
11
15
12
–
–
9
8
8
7
10
–
–
–
–
85
93
82
84
86
80
87
93
87
90
87
87
90
81
85
88
91
81
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
3
(1)
–
–
–
–
–
5
5
7
(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 24. Outpatient surgery benefits: Extent of coverage by type of plan,
private industry workers, National Compensation Survey,
2008—Continued
(All workers participating in medical care plans = 100 percent)
All plans
Characteristic
Full
Coverage
No
Not
coverage with limits coverage 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 ...................................................
23
30
33
22
–
–
34
76
69
65
78
83
85
66
–
–
–
–
–
–
–
–
–
–
–
(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 ..........................................
14
14
12
13
10
17
85
84
87
84
87
80
–
–
–
–
–
–
–
–
–
–
–
–
21
23
9
–
12
12
–
5
19
78
73
85
93
85
86
92
93
80
–
–
–
–
–
–
–
–
–
–
–
–
1
–
–
1
–
–
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 24. Outpatient surgery benefits: Extent of coverage by type of plan, private industry workers, National
Compensation Survey, 2008—Continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristic
All workers .............................................................
Health maintenance organization
Full
Coverage
No
Not
Full
Coverage
No
Not
coverage with limits coverage determinable coverage with limits coverage determinable
8
90
–
–
33
64
–
–
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 ..................
8
5
9
11
7
5
8
8
88
89
88
89
91
95
89
90
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
35
32
36
48
31
46
25
29
63
63
62
51
66
52
71
68
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
8
8
9
6
90
90
91
90
94
–
–
–
–
–
2
–
–
–
–
–
40
30
39
–
83
55
67
57
83
–
–
–
–
–
(1)
–
–
–
–
Full time .................................................................
Part time ................................................................
8
9
90
89
–
–
–
–
32
57
65
42
–
–
–
–
Union .....................................................................
Nonunion ...............................................................
–
8
90
90
–
–
1
–
50
30
50
67
–
–
–
–
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 ......................................................
–
–
6
9
8
9
98
93
92
89
88
88
–
–
–
–
–
–
–
(1)
–
–
–
–
–
38
33
29
35
39
82
61
66
67
62
58
–
–
–
–
–
–
–
–
–
–
–
–
8
–
10
8
5
10
4
–
–
–
5
6
–
7
–
–
–
–
89
95
87
90
93
90
95
96
94
97
90
89
92
84
95
93
92
96
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1
–
–
–
–
–
3
(1)
1
–
–
2
–
5
5
7
(1)
30
–
35
34
35
29
47
–
–
45
20
15
–
–
–
–
–
–
69
85
64
62
58
54
52
83
–
55
74
79
83
70
58
67
85
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
6
8
7
3
8
–
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 24. Outpatient surgery benefits: Extent of coverage by type of plan, private industry workers, National
Compensation Survey, 2008—Continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristic
Health maintenance organization
Full
Coverage
No
Not
Full
Coverage
No
Not
coverage with limits coverage determinable coverage with limits coverage 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 ...................................................
19
–
25
19
–
–
–
81
83
73
81
94
96
77
–
–
–
–
–
–
–
–
1
–
–
(1)
–
–
36
54
46
32
–
–
55
63
45
52
68
57
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
8
9
–
8
5
11
90
88
93
90
93
86
–
–
–
–
–
–
–
–
1
–
–
–
32
29
41
34
30
40
66
69
58
62
65
59
–
–
–
–
–
–
–
–
–
–
–
–
–
18
4
–
8
–
–
–
–
85
80
90
96
89
92
95
95
89
–
–
–
–
–
–
–
–
–
1
–
–
1
–
2
1
1
1
30
37
36
–
29
66
–
–
35
69
53
60
65
69
–
68
85
65
–
–
–
–
–
–
–
–
–
–
–
–
4
–
4
–
–
–
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 25. Physician office visit benefits: Extent of coverage by type of
plan, private industry workers, National Compensation Survey, 2008
(All workers participating in medical care plans = 100 percent)
All plans
Characteristic
All workers .............................................................
Full
Coverage
No
Not
coverage with limits coverage determinable
3
97
–
–
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 ..................
4
2
5
–
2
–
2
–
96
98
95
97
98
98
98
98
–
–
–
–
–
–
–
–
–
–
–
(1)
–
(1)
–
(1)
–
–
–
–
–
97
99
98
97
98
–
–
–
–
–
(1)
(1)
1
(1)
1
Full time .................................................................
Part time ................................................................
2
–
97
94
–
–
–
(1)
Union .....................................................................
Nonunion ...............................................................
4
2
96
97
–
–
–
–
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 ......................................................
–
–
2
3
–
4
100
99
98
97
96
96
–
–
–
–
–
–
–
(1)
–
–
1
–
3
–
3
2
–
–
–
–
–
–
2
2
–
–
–
–
–
–
96
96
96
97
98
97
99
98
96
100
98
98
98
98
100
96
95
96
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1
–
1
1
–
–
–
–
–
(1)
–
–
–
–
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 25. Physician office visit benefits: Extent of coverage by type of
plan, private industry workers, National Compensation Survey,
2008—Continued
(All workers participating in medical care plans = 100 percent)
All plans
Characteristic
Full
Coverage
No
Not
coverage with limits coverage 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 ...................................................
4
–
–
5
–
–
–
96
97
96
95
100
100
100
–
–
–
–
–
–
–
–
(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 ..........................................
4
4
–
2
1
2
96
96
96
98
99
97
–
–
–
–
–
–
–
–
(1)
–
–
–
3
7
–
–
–
–
–
–
–
96
92
98
97
98
99
99
94
99
–
–
–
–
–
–
–
–
–
–
–
1
1
(1)
–
(1)
1
(1)
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 25. Physician office visit benefits: Extent of coverage by type of plan, private industry workers, National
Compensation Survey, 2008—Continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristic
Health maintenance organization
Full
Coverage
No
Not
Full
Coverage
No
Not
coverage with limits coverage determinable coverage with limits coverage determinable
3
97
–
–
–
98
–
(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 ..................
–
–
–
–
2
–
2
–
96
98
94
97
97
97
97
99
–
–
–
–
–
–
–
–
1
1
(1)
(1)
–
1
–
(1)
–
–
–
–
–
–
–
–
97
97
97
100
99
100
99
94
–
–
–
–
–
–
–
–
(1)
(1)
(1)
(1)
(1)
–
(1)
(1)
–
–
–
–
–
100
99
97
97
98
–
–
–
–
–
–
(1)
1
1
1
–
–
–
–
–
88
99
99
98
99
–
–
–
–
–
(1)
–
(1)
(1)
–
Full time .................................................................
Part time ................................................................
2
–
97
92
–
–
–
(1)
–
–
98
98
–
–
(1)
(1)
Union .....................................................................
Nonunion ...............................................................
–
2
95
97
–
–
1
–
–
–
98
98
–
–
(1)
(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 ......................................................
–
–
2
3
–
–
99
99
97
97
96
96
–
–
–
–
–
–
–
(1)
–
–
1
(1)
–
–
–
–
–
–
100
100
99
98
98
95
–
–
–
–
–
–
–
–
(1)
(1)
(1)
(1)
–
–
–
3
–
–
–
–
–
–
2
3
–
–
–
–
–
–
97
99
96
97
98
96
99
99
95
100
98
97
97
97
100
95
94
95
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1
–
1
–
1
–
1
1
–
–
–
–
–
(1)
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
94
85
96
99
99
100
100
97
100
100
99
99
99
100
100
100
100
100
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
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 ...................
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 25. Physician office visit benefits: Extent of coverage by type of plan, private industry workers, National
Compensation Survey, 2008—Continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristic
Health maintenance organization
Full
Coverage
No
Not
Full
Coverage
No
Not
coverage with limits coverage determinable coverage with limits coverage 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 ...................................................
–
–
–
–
–
–
–
95
98
97
95
100
100
100
–
–
–
–
–
–
–
(1)
(1)
1
(1)
–
–
–
–
–
4
–
–
–
–
97
96
95
98
100
100
100
–
–
–
–
–
–
–
(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 ..........................................
–
–
–
1
1
2
95
95
95
98
99
98
–
–
–
–
–
–
(1)
1
(1)
–
–
–
–
–
–
–
–
–
98
98
99
97
98
97
–
–
–
–
–
–
–
–
–
(1)
–
1
–
–
–
–
–
–
–
–
–
96
91
98
98
98
99
99
93
99
–
–
–
–
–
–
–
–
–
1
(1)
1
1
(1)
–
(1)
1
(1)
–
–
–
–
–
–
–
–
–
97
95
100
90
98
99
100
100
99
–
–
–
–
–
–
–
–
–
(1)
–
–
6
–
–
–
–
–
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 26. Mental health care and substance abuse treatment benefits: Coverage for selected services,
private industry workers, National Compensation Survey, 2008
(All workers participating in medical care plans = 100 percent)
Characteristic
All workers .............................................................
Inpatient
Outpatient
Inpatient
mental
mental
alcohol
health care health care detoxification1
Inpatient
alcohol
rehabilitation2
Outpatient
alcohol
rehabilitation2
Inpatient drug
detoxification1
99
85
98
78
79
98
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 ..................
99
99
99
98
98
99
98
100
85
85
86
83
81
79
82
90
99
99
99
97
98
98
98
99
79
79
79
79
76
75
77
81
80
81
80
77
77
74
78
84
99
98
99
97
98
98
98
99
100
99
99
99
99
91
89
86
83
90
98
100
98
97
98
78
84
76
74
79
82
86
80
77
84
98
100
97
97
98
Full time .................................................................
Part time ................................................................
99
95
85
74
98
94
79
67
80
69
98
94
Union .....................................................................
Nonunion ...............................................................
99
99
90
84
97
98
82
77
82
79
97
98
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 ......................................................
96
97
99
99
99
99
76
77
83
87
88
84
96
93
98
99
99
99
72
72
77
79
82
76
71
69
78
82
83
78
96
93
98
99
99
99
99
99
99
99
99
100
98
100
96
99
99
100
100
100
97
98
100
95
88
93
85
84
80
80
77
86
82
92
76
77
75
77
76
79
79
70
98
99
98
98
98
100
97
100
96
100
100
100
100
100
100
97
99
90
77
80
76
78
75
78
73
78
65
89
74
73
70
73
77
77
78
69
80
85
78
79
76
77
72
86
67
85
75
73
71
73
80
76
78
65
97
99
97
98
98
100
96
100
94
100
99
99
100
100
100
97
99
90
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 26. Mental health care and substance abuse treatment benefits: Coverage for selected services,
private industry workers, National Compensation Survey, 2008—Continued
(All workers participating in medical care plans = 100 percent)
Characteristic
Inpatient
Outpatient
Inpatient
mental
mental
alcohol
health care health care detoxification1
Inpatient
alcohol
rehabilitation2
Outpatient
alcohol
rehabilitation2
Inpatient drug
detoxification1
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
99
99
97
99
94
91
88
91
91
94
97
93
100
100
99
100
100
100
94
83
80
80
84
87
95
70
84
83
84
84
88
95
89
100
100
99
100
100
100
94
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
99
99
99
98
99
98
84
85
84
85
85
84
98
99
97
98
99
98
76
77
75
79
79
79
79
81
76
79
80
78
98
99
97
98
98
98
100
98
99
99
99
99
99
96
99
87
86
81
83
82
89
84
83
88
100
98
99
99
99
99
95
97
99
84
80
78
81
78
83
73
75
75
83
85
78
81
79
84
73
75
79
100
98
98
99
99
99
95
97
98
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 26. Mental health care and substance abuse treatment
benefits: Coverage for selected services, private industry
workers, National Compensation Survey, 2008—Continued
(All workers participating in medical care plans = 100 percent)
Inpatient drug
rehabilitation2
Outpatient
drug
rehabilitation2
78
79
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 ..................
79
79
79
79
76
75
77
81
80
81
80
77
77
74
78
83
78
84
76
74
79
81
85
79
76
84
Full time .................................................................
Part time ................................................................
79
67
80
69
Union .....................................................................
Nonunion ...............................................................
82
77
82
79
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 ......................................................
72
72
77
79
82
76
71
69
78
82
83
77
77
80
76
78
75
77
73
78
64
89
74
73
70
73
77
77
78
69
80
85
78
79
76
76
72
86
67
85
75
73
71
73
80
76
78
65
Characteristic
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 26. Mental health care and substance abuse treatment
benefits: Coverage for selected services, private industry
workers, National Compensation Survey, 2008—Continued
(All workers participating in medical care plans = 100 percent)
Inpatient drug
rehabilitation2
Outpatient
drug
rehabilitation2
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 ...................................................
83
80
80
84
87
95
70
84
84
84
84
88
95
89
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
76
77
75
79
79
79
79
81
76
79
80
78
84
80
78
81
78
83
73
75
75
83
85
78
81
79
83
73
75
79
Characteristic
Establishment characteristic
Geographic area
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Detoxification is the systematic use of
medication and other methods under
medical supervision to reduce or eliminate
the effects of substance abuse.
2 Rehabilitation is designed to alter
abusive behavior in patients once they are
free of acute physical and mental
complications.
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: 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 27. Inpatient mental health care benefits: Extent of coverage by type
of plan, private industry workers, National Compensation Survey, 2008
(All workers participating in medical care plans = 100 percent)
All plans
Characteristic
All workers .............................................................
Full
Coverage
No
Not
coverage with limits coverage determinable
3
96
1
(1)
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 ..................
2
1
–
–
–
–
–
–
97
97
96
92
95
96
95
97
–
–
–
–
–
1
–
–
–
–
(1)
(1)
(1)
–
(1)
(1)
–
–
–
–
–
100
95
97
97
98
–
–
1
–
–
–
(1)
–
(1)
(1)
Full time .................................................................
Part time ................................................................
2
–
97
88
1
–
(1)
1
Union .....................................................................
Nonunion ...............................................................
–
3
97
96
–
1
(1)
(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 ......................................................
–
–
–
–
2
2
96
91
95
97
97
96
–
–
1
(1)
–
–
–
(1)
–
–
–
–
–
–
–
3
2
–
–
–
–
–
–
–
–
–
–
–
–
–
97
99
97
96
96
99
94
99
85
97
98
98
98
98
97
98
100
95
–
–
–
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 27. Inpatient mental health care benefits: Extent of coverage by type
of plan, private industry workers, National Compensation Survey,
2008—Continued
(All workers participating in medical care plans = 100 percent)
All plans
Characteristic
Full
Coverage
No
Not
coverage with limits coverage 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 ...................................................
–
–
3
–
–
–
–
92
93
96
91
94
99
90
–
–
–
–
–
–
–
(1)
–
–
(1)
2
–
6
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
–
–
–
2
–
–
96
95
97
96
97
96
(1)
(1)
–
1
–
–
–
–
1
(1)
(1)
(1)
–
1
–
–
–
–
–
–
–
92
96
99
97
94
99
96
95
95
–
–
–
–
–
–
–
–
1
–
–
(1)
1
(1)
–
–
1
( )
–
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 27. Inpatient mental health care benefits: Extent of coverage by type of plan, private industry workers,
National Compensation Survey, 2008—Continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristic
All workers .............................................................
Health maintenance organization
Full
Coverage
No
Not
Full
Coverage
No
Not
coverage with limits coverage determinable coverage with limits coverage determinable
–
98
1
–
9
89
–
–
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 ..................
–
–
–
–
1
–
–
–
98
99
98
95
98
99
97
99
–
–
–
–
–
1
–
–
(1)
(1)
–
–
–
–
(1)
–
7
–
9
–
–
–
–
–
91
92
91
81
86
85
87
94
–
–
–
–
–
–
–
–
–
3
–
2
1
(1)
2
(1)
–
–
–
–
–
100
98
99
98
99
–
–
–
–
–
–
–
(1)
(1)
–
–
–
–
–
–
100
89
94
93
94
–
–
–
–
–
–
1
1
(1)
1
Full time .................................................................
Part time ................................................................
–
–
98
92
1
–
–
–
–
–
90
75
–
–
1
3
Union .....................................................................
Nonunion ...............................................................
–
–
98
98
–
–
–
(1)
5
–
94
89
–
–
–
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 ......................................................
–
–
–
–
–
–
95
96
98
98
99
98
–
–
1
(1)
–
–
–
–
–
–
(1)
(1)
–
–
–
5
6
7
100
75
83
93
93
91
–
–
–
–
–
–
–
2
(1)
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
98
98
98
98
98
100
98
100
88
98
99
99
99
99
99
98
100
93
–
–
–
–
1
–
2
–
–
–
–
–
–
–
–
–
–
–
(1)
–
(1)
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
95
100
93
88
90
98
81
96
68
94
95
96
97
94
91
99
100
99
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2
1
–
3
–
–
–
–
–
–
–
–
–
–
–
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 27. Inpatient mental health care benefits: Extent of coverage by type of plan, private industry workers,
National Compensation Survey, 2008—Continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristic
Health maintenance organization
Full
Coverage
No
Not
Full
Coverage
No
Not
coverage with limits coverage determinable coverage with limits coverage 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 ...................................................
–
–
–
–
–
–
–
97
98
97
97
96
98
100
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
5
–
–
–
–
78
85
95
76
87
100
70
–
–
–
–
–
–
–
(1)
–
–
(1)
6
–
18
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
–
–
–
–
–
–
99
98
100
97
97
97
–
–
–
–
–
–
–
–
–
(1)
(1)
–
–
–
–
6
6
6
85
85
86
93
93
93
–
–
–
–
–
–
2
2
3
–
–
–
–
–
–
–
–
–
–
–
–
94
99
100
98
99
99
96
94
97
–
–
–
–
–
–
–
–
1
–
–
–
1
–
–
–
–
–
–
–
–
–
–
–
–
–
–
89
90
97
86
73
98
95
97
92
–
–
–
–
–
–
–
–
–
–
5
1
–
(1)
–
–
1
(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 28. Outpatient mental health care benefits: Extent of coverage by
type of plan, private industry workers, National Compensation Survey,
2008
(All workers participating in medical care plans = 100 percent)
All plans
Characteristic
All workers .............................................................
Full
Coverage
No
Not
coverage with limits coverage determinable
–
84
–
14
Worker characteristic
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
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 ..................
1
–
–
–
–
–
–
85
85
85
82
81
82
89
–
–
–
–
–
–
–
–
15
13
15
17
15
10
–
–
–
–
–
91
88
85
83
89
–
–
–
–
–
9
10
14
16
10
Full time .................................................................
–
85
1
–
Union .....................................................................
Nonunion ...............................................................
–
(1)
88
83
–
–
10
–
Average wage within the following percentiles:2
25 to under 50 ...................................................
50 to under 75 ...................................................
75 to under 90 ...................................................
90 or greater ......................................................
–
–
–
–
82
86
87
83
1
(1)
–
–
–
–
12
15
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
Service-providing industries ..................................
Transportation and warehousing ...................
Utilities ...........................................................
Information .........................................................
Finance and insurance ..................................
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
93
85
83
86
82
92
75
89
87
90
89
92
97
89
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
12
7
14
15
14
14
7
–
9
12
9
8
5
2
7
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
–
(1)
84
84
81
84
85
83
–
–
–
–
–
–
15
15
16
–
14
–
Establishment characteristic
See footnotes at end of table.
Table 28. Outpatient mental health care benefits: Extent of coverage by
type of plan, private industry workers, National Compensation Survey,
2008—Continued
(All workers participating in medical care plans = 100 percent)
All plans
Characteristic
Full
Coverage
No
Not
coverage with limits coverage determinable
Geographic area
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
See footnotes at end of table.
–
–
–
–
–
–
–
–
86
84
81
83
89
84
82
88
–
–
–
–
–
–
–
1
13
13
18
16
11
16
10
–
Table 28. Outpatient mental health care benefits: Extent of coverage by type of plan, private industry workers,
National Compensation Survey, 2008—Continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristic
All workers .............................................................
Health maintenance organization
Full
Coverage
No
Not
Full
Coverage
No
Not
coverage with limits coverage determinable coverage with limits coverage determinable
–
83
–
15
1
86
–
–
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Sales and office .....................................................
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 ..................
–
–
–
–
–
–
–
84
84
84
79
81
81
91
–
–
–
–
–
–
–
15
16
14
17
16
15
9
–
–
–
–
–
–
–
88
88
88
90
82
86
85
–
–
–
–
–
–
–
11
11
10
9
18
14
11
–
–
–
–
–
91
90
84
82
88
–
–
–
(1)
–
8
10
15
–
11
–
–
–
–
–
91
81
88
85
92
–
–
–
–
–
9
13
9
11
6
Full time .................................................................
–
84
1
–
1
87
–
–
Union .....................................................................
Nonunion ...............................................................
–
–
87
83
–
–
10
16
–
1
91
85
–
–
9
–
Average wage within the following percentiles:2
25 to under 50 ...................................................
50 to under 75 ...................................................
75 to under 90 ...................................................
90 or greater ......................................................
–
–
–
–
83
85
86
82
–
(1)
(1)
–
15
–
–
17
–
–
–
–
79
87
88
88
–
–
–
–
19
11
10
11
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
Service-providing industries ..................................
Transportation and warehousing ...................
Utilities ...........................................................
Information .........................................................
Finance and insurance ..................................
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
92
85
82
85
79
92
73
87
85
90
88
91
96
99
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
13
8
15
16
15
17
7
26
10
14
9
9
5
2
1
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
88
100
83
86
92
97
93
83
93
91
91
94
94
100
71
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
10
(1)
14
13
7
–
7
16
6
9
9
6
6
(1)
18
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
–
–
84
85
82
83
84
82
–
–
–
–
–
–
15
15
16
–
15
15
–
–
–
–
–
–
82
84
78
89
89
90
–
–
–
–
–
–
15
15
17
10
11
8
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 28. Outpatient mental health care benefits: Extent of coverage by type of plan, private industry workers,
National Compensation Survey, 2008—Continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristic
Health maintenance organization
Full
Coverage
No
Not
Full
Coverage
No
Not
coverage with limits coverage determinable coverage with limits coverage determinable
Geographic area
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
–
–
–
–
–
–
–
–
84
85
81
84
88
84
81
88
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.
–
–
–
–
–
–
–
2
15
11
19
15
11
15
9
–
–
–
–
–
–
–
–
–
88
81
83
81
92
82
87
89
–
–
–
–
–
–
–
–
11
17
14
19
7
18
13
11
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 29. Inpatient alcohol detoxification benefits: Extent of coverage by
type of plan, private industry workers, National Compensation Survey,
2008
(All workers participating in medical care plans = 100 percent)
All plans
Characteristic
All workers .............................................................
Full
Coverage
No
Not
coverage with limits coverage determinable
4
94
2
(1)
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 ..................
4
3
4
–
–
–
–
3
95
96
95
91
94
95
93
96
–
–
–
–
–
–
–
–
–
–
–
–
(1)
(1)
(1)
–
–
–
–
–
–
98
95
94
93
96
–
–
–
–
–
–
–
(1)
–
(1)
Full time .................................................................
Part time ................................................................
4
6
95
88
1
–
(1)
–
Union .....................................................................
Nonunion ...............................................................
3
4
94
94
–
1
–
(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 ......................................................
–
–
–
4
4
3
95
87
94
95
95
95
–
–
2
–
–
–
–
(1)
–
–
–
–
–
–
–
4
4
–
–
–
–
–
–
–
–
–
–
–
–
–
95
99
94
94
95
96
93
98
85
94
98
97
99
94
99
94
98
88
–
–
–
–
2
–
3
–
–
–
–
–
–
–
–
–
–
–
–
–
( )
–
(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.
1
Table 29. Inpatient alcohol detoxification benefits: Extent of coverage by
type of plan, private industry workers, National Compensation Survey,
2008—Continued
(All workers participating in medical care plans = 100 percent)
All plans
Characteristic
Full
Coverage
No
Not
coverage with limits coverage 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 ...................................................
–
–
9
–
–
–
–
92
89
90
93
98
100
94
–
–
–
–
–
–
–
–
–
–
–
–
–
6
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
5
–
–
3
3
3
93
93
94
95
95
95
–
–
–
2
–
–
–
1
–
(1)
–
–
–
2
–
–
–
–
–
–
6
92
96
95
97
94
99
92
96
92
–
–
–
–
–
–
–
–
1
–
–
(1)
(1)
(1)
–
–
1
( )
(1)
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 29. Inpatient alcohol detoxification benefits: Extent of coverage by type of plan, private industry
workers, National Compensation Survey, 2008—Continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristic
All workers .............................................................
Health maintenance organization
Full
Coverage
No
Not
Full
Coverage
No
Not
coverage with limits coverage determinable coverage with limits coverage determinable
–
97
2
–
12
87
–
–
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 ..................
–
1
–
–
–
–
–
–
98
98
98
93
97
98
97
97
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
11
–
13
–
–
–
–
–
86
88
85
85
84
85
83
93
–
–
–
–
–
–
–
–
–
3
–
–
1
(1)
2
–
–
–
–
–
–
97
98
96
95
97
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
99
88
89
87
92
–
–
–
–
–
–
–
1
–
1
Full time .................................................................
Part time ................................................................
–
–
97
92
2
–
–
–
11
–
87
77
–
–
–
2
Union .....................................................................
Nonunion ...............................................................
–
–
95
97
–
–
–
–
9
13
91
86
–
–
–
–
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 ......................................................
–
–
–
–
–
–
95
90
97
97
98
98
–
–
2
–
–
–
–
–
–
–
–
–
–
–
–
8
12
11
97
73
84
91
86
87
–
–
–
–
–
–
–
2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
96
98
96
97
97
97
96
100
90
99
99
99
100
99
99
93
100
84
–
–
–
–
2
–
3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
13
13
–
–
–
–
–
–
–
–
–
–
–
–
–
89
100
85
86
85
94
78
89
62
66
92
90
97
77
98
95
90
99
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1
–
1
–
–
–
3
–
–
–
–
–
–
–
–
–
–
–
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 29. Inpatient alcohol detoxification benefits: Extent of coverage by type of plan, private industry
workers, National Compensation Survey, 2008—Continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristic
Health maintenance organization
Full
Coverage
No
Not
Full
Coverage
No
Not
coverage with limits coverage determinable coverage with limits coverage 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 ...................................................
–
3
5
–
–
–
–
98
96
94
98
99
100
100
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
16
–
–
–
–
78
78
84
78
93
100
82
–
–
–
–
–
–
–
–
–
–
–
–
–
18
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
–
–
–
–
–
–
96
96
96
97
98
96
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
10
12
7
84
84
81
89
87
92
–
–
–
–
–
–
2
2
–
–
–
–
–
1
–
–
–
–
–
–
–
94
98
96
99
98
99
92
96
96
–
–
–
–
–
–
–
–
2
–
–
–
–
–
–
–
–
–
–
6
–
–
–
–
–
–
14
89
88
91
78
74
99
95
95
86
–
–
–
–
–
–
–
–
–
–
–
1
1
( )
(1)
–
–
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 30. Inpatient alcohol rehabilitation benefits: Extent of coverage by
type of plan, private industry workers, National Compensation Survey,
2008
(All workers participating in medical care plans = 100 percent)
All plans
Characteristic
All workers .............................................................
Full
Coverage
No
Not
coverage with limits coverage determinable
–
77
6
–
Management, professional, and related ................
Management, business, and financial ...............
Service ...................................................................
Office and administrative support ......................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
1
–
–
–
–
–
–
–
78
78
77
74
84
75
73
79
4
5
–
–
–
8
10
–
17
–
14
17
10
–
–
15
Full time .................................................................
–
77
5
–
Union .....................................................................
Nonunion ...............................................................
–
–
82
76
–
5
11
–
Average wage within the following percentiles:2
10 to under 25 ...................................................
50 to under 75 ...................................................
75 to under 90 ...................................................
–
–
1
69
78
81
–
6
4
15
–
14
–
–
–
–
–
–
–
–
–
2
3
–
–
–
–
(1)
–
1
76
80
75
77
88
77
77
68
79
77
76
79
85
95
74
79
79
78
9
–
9
4
–
–
–
–
3
5
9
–
–
–
7
6
5
7
–
10
–
–
7
17
16
13
–
15
12
14
9
4
–
15
–
14
–
–
–
–
82
80
83
75
1
–
–
–
–
15
13
15
Worker characteristic
Establishment characteristic
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
Service-providing industries ..................................
Information .........................................................
Real estate and rental and leasing ................
Professional and business services ..................
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 ................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
Geographic area
New England .........................................................
West North Central ................................................
East South Central ................................................
Mountain ................................................................
See footnotes at end of table.
Table 30. Inpatient alcohol rehabilitation benefits: Extent of coverage by type of plan, private industry workers,
National Compensation Survey, 2008—Continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristic
Health maintenance organization
Full
Coverage
No
Not
Full
Coverage
No
Not
coverage with limits coverage determinable coverage with limits coverage determinable
(1)
79
5
16
–
68
9
–
Management, professional, and related ................
Management, business, and financial ...............
Service ...................................................................
Office and administrative support ......................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
(1)
1
–
(1)
–
–
–
–
80
79
81
78
88
77
74
81
3
–
–
–
–
7
8
–
17
–
14
–
9
–
–
14
–
–
–
–
–
–
–
–
72
76
64
63
71
71
71
70
7
–
–
–
–
–
–
–
–
15
15
19
14
14
13
16
Full time .................................................................
(1)
80
4
16
–
69
9
–
Union .....................................................................
Nonunion ...............................................................
–
(1)
83
79
–
4
9
17
–
–
77
66
–
10
15
–
Average wage within the following percentiles:2
10 to under 25 ...................................................
50 to under 75 ...................................................
75 to under 90 ...................................................
–
–
–
72
81
83
–
4
3
16
–
–
–
–
–
56
70
75
–
10
8
13
–
–
–
–
–
(1)
–
–
–
–
–
–
–
–
–
–
–
1
( )
–
1
78
84
76
80
88
81
75
66
85
79
79
86
90
96
77
79
80
78
8
–
8
3
–
–
–
–
1
–
–
–
–
–
–
6
5
–
–
9
–
17
7
19
19
14
–
14
9
13
6
3
18
15
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
69
64
70
68
89
–
85
74
62
74
73
58
72
93
64
77
74
79
13
–
–
8
–
–
–
–
–
–
–
–
–
–
16
6
–
–
–
14
16
–
8
13
7
11
17
17
16
17
15
7
–
–
–
13
–
–
–
–
83
81
82
75
–
–
–
–
17
15
14
16
–
–
–
–
82
71
92
77
–
–
–
–
13
19
7
10
All workers .............................................................
Worker characteristic
Establishment characteristic
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
Service-providing industries ..................................
Information .........................................................
Real estate and rental and leasing ................
Professional and business services ..................
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 ................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
Geographic area
New England .........................................................
West North Central ................................................
East South Central ................................................
Mountain ................................................................
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 31. Outpatient alcohol rehabilitation benefits: Extent of coverage by
type of plan, private industry workers, National Compensation Survey,
2008
(All workers participating in medical care plans = 100 percent)
All plans
Characteristic
All workers .............................................................
Full
Coverage
No
Not
coverage with limits coverage determinable
–
79
4
–
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
–
–
–
–
–
–
–
–
–
–
80
81
79
75
78
84
85
79
76
84
2
–
3
–
–
–
–
5
6
–
–
17
–
18
17
12
11
–
–
13
Full time .................................................................
–
79
3
–
Union .....................................................................
Nonunion ...............................................................
–
(1)
80
79
–
3
13
18
Average wage within the following percentiles:2
50 to under 75 ...................................................
75 to under 90 ...................................................
–
–
81
83
3
2
–
–
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
Service-providing industries ..................................
Transportation and warehousing ...................
Information .........................................................
Real estate and rental and leasing ................
Education and health services ...........................
Educational services ......................................
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
–
–
–
–
–
–
–
–
–
–
–
–
–
80
85
78
79
86
84
80
82
83
81
88
95
89
6
–
6
3
–
–
–
–
–
–
–
–
–
–
10
–
–
14
12
17
14
–
14
9
4
7
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
500 workers or more ..........................................
–
–
–
(1)
–
79
81
74
79
78
3
–
–
4
–
–
–
19
17
17
–
–
–
–
–
82
83
81
84
75
–
–
–
–
–
14
15
16
14
15
Worker characteristic
Establishment characteristic
Geographic area
New England .........................................................
Middle Atlantic .......................................................
West North Central ................................................
East South Central ................................................
Mountain ................................................................
See footnotes at end of table.
Table 31. Outpatient alcohol rehabilitation benefits: Extent of coverage by type of plan, private industry
workers, National Compensation Survey, 2008—Continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristic
All workers .............................................................
Health maintenance organization
Full
Coverage
No
Not
Full
Coverage
No
Not
coverage with limits coverage determinable coverage with limits coverage determinable
–
79
4
–
–
79
3
–
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
–
–
–
–
–
–
–
–
–
–
80
80
80
73
77
86
87
78
75
82
2
–
–
–
–
–
–
5
6
–
–
17
17
19
17
9
11
–
–
14
–
–
–
–
–
–
–
–
–
–
78
83
75
83
80
77
80
84
81
88
–
–
–
–
–
–
–
–
–
–
18
15
19
15
18
19
14
11
12
9
Full time .................................................................
–
80
3
–
–
79
3
–
Union .....................................................................
Nonunion ...............................................................
–
(1)
79
79
–
3
12
18
–
–
83
78
–
4
16
–
Average wage within the following percentiles:2
50 to under 75 ...................................................
75 to under 90 ...................................................
–
–
81
83
3
2
–
–
–
–
81
82
–
–
16
15
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
Service-providing industries ..................................
Transportation and warehousing ...................
Information .........................................................
Real estate and rental and leasing ................
Education and health services ...........................
Educational services ......................................
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
–
–
–
–
–
–
–
–
–
–
–
–
–
79
85
77
79
84
85
81
83
84
82
90
96
98
6
–
6
3
–
–
–
–
–
–
–
–
–
–
9
–
–
16
11
19
13
14
13
6
3
1
–
–
–
–
–
–
–
–
–
–
–
–
–
82
87
80
78
92
75
78
79
82
78
83
93
71
–
–
–
–
–
–
–
–
–
–
–
–
–
14
11
15
18
8
16
13
16
16
17
17
7
18
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
500 workers or more ..........................................
–
–
–
(1)
–
79
81
74
79
76
–
–
–
5
–
17
16
19
16
17
–
–
–
–
–
78
78
76
80
83
5
3
–
–
–
–
–
15
18
14
–
–
–
–
–
79
84
81
83
73
–
–
–
–
–
16
13
16
14
16
–
–
–
–
–
86
80
81
92
85
–
–
–
–
–
13
19
19
7
12
Worker characteristic
Establishment characteristic
Geographic area
New England .........................................................
Middle Atlantic .......................................................
West North Central ................................................
East South Central ................................................
Mountain ................................................................
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 32. Inpatient drug detoxification benefits: Extent of coverage by
type of plan, private industry workers, National Compensation Survey,
2008
(All workers participating in medical care plans = 100 percent)
All plans
Characteristic
All workers .............................................................
Full
Coverage
No
Not
coverage with limits coverage determinable
4
94
2
(1)
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 ..................
4
3
4
–
–
–
–
3
95
95
95
91
94
95
93
96
1
–
–
–
–
–
–
–
–
–
–
–
(1)
(1)
(1)
–
–
–
–
–
–
98
95
94
93
96
–
–
–
–
–
–
–
(1)
–
(1)
Full time .................................................................
Part time ................................................................
4
6
95
88
2
–
(1)
–
Union .....................................................................
Nonunion ...............................................................
3
4
94
94
–
2
–
(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 ......................................................
–
–
–
4
4
3
95
86
94
95
95
95
–
–
2
–
1
–
–
(1)
–
–
–
–
–
–
–
4
4
–
–
–
–
–
–
–
–
–
–
–
–
–
94
99
94
94
94
96
93
98
84
94
97
97
99
94
99
94
98
88
3
–
–
–
2
–
3
–
–
–
–
–
–
–
–
–
–
–
–
–
( )
–
(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.
1
Table 32. Inpatient drug detoxification benefits: Extent of coverage by
type of plan, private industry workers, National Compensation Survey,
2008—Continued
(All workers participating in medical care plans = 100 percent)
All plans
Characteristic
Full
Coverage
No
Not
coverage with limits coverage 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 ...................................................
–
–
9
–
–
–
–
92
89
90
93
98
100
94
–
–
–
–
–
–
–
–
–
–
–
–
–
6
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
5
–
–
3
3
3
93
93
94
95
95
95
–
–
–
2
2
–
–
1
–
(1)
–
–
–
2
–
–
–
–
–
–
6
92
95
95
97
93
99
92
96
92
–
–
–
–
–
–
–
–
2
–
–
(1)
(1)
(1)
–
–
1
( )
(1)
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 32. Inpatient drug detoxification benefits: Extent of coverage by type of plan, private industry workers,
National Compensation Survey, 2008—Continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristic
All workers .............................................................
Health maintenance organization
Full
Coverage
No
Not
Full
Coverage
No
Not
coverage with limits coverage determinable coverage with limits coverage determinable
–
96
2
–
12
86
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 ..................
–
1
–
–
–
–
–
–
98
98
98
93
97
98
96
97
1
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
11
–
13
–
–
–
–
–
86
87
84
85
84
85
83
93
–
–
–
–
–
–
–
–
–
3
–
–
1
(1)
2
–
–
–
–
–
–
97
97
95
95
97
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
99
88
89
87
91
–
–
–
–
–
–
–
1
–
1
Full time .................................................................
Part time ................................................................
–
–
97
92
2
–
–
–
11
–
87
77
1
–
–
2
Union .....................................................................
Nonunion ...............................................................
–
–
95
97
–
2
–
–
9
13
91
85
–
–
–
–
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 ......................................................
–
–
–
–
–
–
95
90
97
97
97
98
–
–
2
–
–
–
–
–
–
–
–
–
–
–
–
8
12
11
97
73
84
91
85
86
–
–
1
–
–
–
–
2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
96
98
96
97
97
97
96
100
88
99
99
99
99
99
99
93
100
84
3
–
–
–
2
–
4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
13
13
–
–
–
–
–
–
–
–
–
–
–
–
–
89
100
85
85
85
94
78
89
62
66
91
89
97
77
98
95
90
99
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1
–
1
–
–
–
3
–
–
–
–
–
–
–
–
–
–
–
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 32. Inpatient drug detoxification benefits: Extent of coverage by type of plan, private industry workers,
National Compensation Survey, 2008—Continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristic
Health maintenance organization
Full
Coverage
No
Not
Full
Coverage
No
Not
coverage with limits coverage determinable coverage with limits coverage 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 ...................................................
–
3
5
–
–
–
–
98
96
94
98
99
100
100
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
16
–
–
–
–
77
78
84
77
93
100
82
–
–
–
–
–
–
–
–
–
–
–
–
–
18
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
–
–
–
–
–
–
96
96
96
97
97
96
–
–
–
2
–
–
–
–
–
–
–
–
–
–
–
10
12
7
84
84
81
89
86
91
–
–
–
–
–
–
2
2
–
–
–
–
–
1
–
–
–
–
–
–
–
94
98
96
99
98
99
91
96
96
–
–
–
–
–
–
–
–
3
–
–
–
–
–
–
–
–
–
–
6
–
–
–
–
–
–
14
89
88
91
78
73
99
95
95
86
–
–
–
–
–
–
–
–
–
–
–
1
1
( )
(1)
–
–
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 33. Inpatient drug rehabilitation benefits: Extent of coverage by type
of plan, private industry workers, National Compensation Survey, 2008
(All workers participating in medical care plans = 100 percent)
All plans
Characteristic
All workers .............................................................
Full
coverage
Coverage
No
Not
with
coverage determinable
limits1
–
77
6
–
Management, professional, and related ................
Management, business, and financial ...............
Service ...................................................................
Office and administrative support ......................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
1
–
–
–
–
–
–
–
78
78
77
74
84
75
73
79
4
4
–
–
–
8
10
–
17
–
14
17
10
–
–
15
Full time .................................................................
–
77
5
–
Union .....................................................................
Nonunion ...............................................................
–
–
82
76
–
5
11
–
Average wage within the following percentiles:3
10 to under 25 ...................................................
50 to under 75 ...................................................
75 to under 90 ...................................................
–
–
1
69
78
81
–
6
4
15
–
14
–
–
–
–
–
–
–
–
–
2
3
–
–
–
–
(2)
1
76
80
75
77
88
77
77
68
79
78
77
79
85
95
74
79
78
9
–
9
4
–
–
–
–
3
5
8
–
–
–
7
6
7
–
10
–
–
7
17
16
13
–
15
12
14
9
4
–
15
14
–
–
–
–
82
80
83
75
1
–
–
–
–
15
13
15
Worker characteristic
Establishment characteristic
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
Service-providing industries ..................................
Information .........................................................
Real estate and rental and leasing ................
Professional and business services ..................
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 ................
50 to 99 workers ................................................
100 workers or more ..............................................
500 workers or more ..........................................
Geographic area
New England .........................................................
West North Central ................................................
East South Central ................................................
Mountain ................................................................
See footnotes at end of table.
Table 33. Inpatient drug rehabilitation benefits: Extent of coverage by type of plan, private industry workers,
National Compensation Survey, 2008—Continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristic
Full
coverage
Health maintenance organization
Coverage
Coverage
No
Not
Full
No
Not
with
with
coverage determinable coverage
coverage determinable
limits1
limits1
(2)
79
5
16
–
68
9
–
Management, professional, and related ................
Management, business, and financial ...............
Service ...................................................................
Office and administrative support ......................
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
(2)
1
–
(2)
–
–
–
–
80
79
81
78
88
77
74
81
3
–
–
–
–
7
8
–
17
–
14
–
9
–
–
14
–
–
–
–
–
–
–
–
72
76
64
63
70
71
71
70
7
–
–
–
–
–
–
–
–
15
15
19
14
14
13
16
Full time .................................................................
(2)
80
4
16
–
69
9
–
Union .....................................................................
Nonunion ...............................................................
–
(2)
83
79
–
4
9
17
–
–
77
66
–
10
15
–
Average wage within the following percentiles:3
10 to under 25 ...................................................
50 to under 75 ...................................................
75 to under 90 ...................................................
–
–
–
72
81
83
–
4
3
16
–
–
–
–
–
56
70
75
–
10
8
13
–
–
–
–
–
(2)
–
–
–
–
–
–
–
–
–
–
–
(2)
1
78
84
76
80
88
81
75
66
85
79
79
86
90
96
76
79
78
8
–
8
3
–
–
–
–
1
–
–
–
–
–
–
6
–
–
9
–
17
7
19
19
14
–
14
9
13
6
3
18
15
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
69
64
70
68
89
–
85
74
62
75
75
58
72
93
64
77
79
13
–
–
9
–
–
–
–
–
–
–
–
–
–
16
6
–
–
14
16
–
8
13
7
11
17
17
16
17
15
7
–
–
13
–
–
–
–
83
81
82
75
–
–
–
–
17
15
14
16
–
–
–
–
82
71
92
76
–
–
–
–
13
19
7
10
All workers .............................................................
Worker characteristic
Establishment characteristic
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
Service-providing industries ..................................
Information .........................................................
Real estate and rental and leasing ................
Professional and business services ..................
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 ................
50 to 99 workers ................................................
100 workers or more ..............................................
500 workers or more ..........................................
Geographic area
New England .........................................................
West North Central ................................................
East South Central ................................................
Mountain ................................................................
1 Limits may be set in terms of dollard or day ceiling on benefits, a
requirement that the participant pay a percentage of costs (coinsurance), or a
requirement that the participant pay a specific amount (deductible or copayment)
before reimbursement begins or services are rendered.
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 34. Outpatient drug rehabilitation benefits: Extent of coverage by
type of plan, private industry workers, National Compensation Survey,
2008
(All workers participating in medical care plans = 100 percent)
All plans
Characteristic
All workers .............................................................
Full
Coverage
No
Not
coverage with limits coverage determinable
–
79
4
–
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
–
–
–
–
–
–
–
–
–
–
80
81
79
75
78
83
85
79
76
84
2
–
2
–
–
–
–
5
6
–
–
17
–
18
17
12
11
–
–
13
Full time .................................................................
–
79
3
–
Union .....................................................................
Nonunion ...............................................................
–
(1)
80
79
–
4
13
18
Average wage within the following percentiles:2
50 to under 75 ...................................................
75 to under 90 ...................................................
–
–
81
83
3
3
–
–
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
Service-providing industries ..................................
Transportation and warehousing ...................
Information .........................................................
Real estate and rental and leasing ................
Education and health services ...........................
Educational services ......................................
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
–
–
–
–
–
–
–
–
–
–
–
–
–
79
85
77
78
86
84
80
82
84
81
88
95
89
6
–
6
3
–
–
–
–
1
–
–
–
–
–
10
–
–
14
12
17
14
–
14
9
4
7
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
500 workers or more ..........................................
–
–
–
(1)
–
79
80
74
79
78
3
3
–
4
–
–
–
19
17
17
–
–
–
–
–
82
83
81
83
75
–
–
–
–
–
14
15
16
14
15
Worker characteristic
Establishment characteristic
Geographic area
New England .........................................................
Middle Atlantic .......................................................
West North Central ................................................
East South Central ................................................
Mountain ................................................................
See footnotes at end of table.
Table 34. Outpatient drug rehabilitation benefits: Extent of coverage by type of plan, private industry workers,
National Compensation Survey, 2008—Continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristic
All workers .............................................................
Health maintenance organization
Full
Coverage
No
Not
Full
Coverage
No
Not
coverage with limits coverage determinable coverage with limits coverage determinable
–
79
4
–
–
79
3
–
Management, professional, and related ................
Management, business, and financial ...............
Professional and related ....................................
Service ...................................................................
Office and administrative support ......................
Natural resources, construction, and maintenance
Installation, maintenance, and repair .................
Production, transportation, and material moving ...
Production .........................................................
Transportation and material moving ..................
–
–
–
–
–
–
–
–
–
–
80
80
80
73
77
85
87
78
75
82
2
–
–
–
–
–
–
5
6
–
–
17
17
19
17
9
11
–
–
14
–
–
–
–
–
–
–
–
–
–
78
83
75
83
80
76
78
84
81
88
–
–
–
–
–
–
–
–
–
–
18
15
19
15
18
19
14
11
12
9
Full time .................................................................
–
79
3
–
–
79
3
–
Union .....................................................................
Nonunion ...............................................................
–
(1)
79
79
–
3
12
18
–
–
83
78
–
4
16
–
Average wage within the following percentiles:2
50 to under 75 ...................................................
75 to under 90 ...................................................
–
–
81
83
3
2
–
–
–
–
81
82
–
–
16
15
Goods-producing industries ...................................
Construction ......................................................
Manufacturing ....................................................
Service-providing industries ..................................
Transportation and warehousing ...................
Information .........................................................
Real estate and rental and leasing ................
Education and health services ...........................
Educational services ......................................
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
–
–
–
–
–
–
–
–
–
–
–
–
–
79
85
77
79
84
85
81
83
84
82
90
96
98
7
–
6
3
–
–
–
–
–
–
–
–
–
–
9
–
–
16
11
19
13
14
13
6
3
1
–
–
–
–
–
–
–
–
–
–
–
–
–
82
87
80
78
92
75
78
79
83
78
83
93
71
–
–
–
–
–
–
–
–
–
–
–
–
–
14
11
15
18
8
16
13
16
16
17
17
7
18
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
500 workers or more ..........................................
–
–
–
(1)
–
79
81
74
78
76
–
–
–
5
–
17
16
19
16
17
–
–
–
–
–
77
78
76
80
83
5
4
–
–
–
–
–
15
18
14
–
–
–
–
–
79
84
81
82
73
–
–
–
–
–
16
13
16
14
16
–
–
–
–
–
86
80
81
92
84
–
–
–
–
–
13
19
19
7
12
Worker characteristic
Establishment characteristic
Geographic area
New England .........................................................
Middle Atlantic .......................................................
West North Central ................................................
East South Central ................................................
Mountain ................................................................
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 35. Mental health care benefits: Median number of days or visits covered per year for
selected services by type of plan, private industry workers, National Compensation
Survey, 2008
(Includes all workers participating in plans with specified day limits)
Outpatient care1
Inpatient care
Characteristic
All workers .............................................................
All
plans
Fee-forservice
plans
Health
maintenance
organizations
All
plans
Fee-forservice
plans
Health
maintenance
organizations
30
30
30
30
30
20
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 ..................
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
26
30
30
30
25
30
30
30
30
30
30
30
26
20
20
20
20
21
–
21
24
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
25
25
30
30
30
30
26
30
30
30
25
20
20
20
20
Full time .................................................................
Part time ................................................................
30
30
30
30
30
45
30
30
30
30
20
20
Union .....................................................................
Nonunion ...............................................................
30
30
30
30
30
30
30
30
30
30
20
20
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 ......................................................
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
26
30
30
30
30
30
30
30
30
30
30
20
20
20
20
24
20
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
–
30
30
30
30
30
–
–
30
–
45
30
25
30
30
30
30
30
–
30
30
30
30
30
29
30
24
24
20
30
25
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
24
20
24
20
20
20
20
24
20
20
40
30
–
–
20
–
20
20
20
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 35. Mental health care benefits: Median number of days or visits covered per year for
selected services by type of plan, private industry workers, National Compensation
Survey, 2008—Continued
(Includes all workers participating in plans with specified day limits)
Outpatient care1
Inpatient care
Characteristic
All
plans
Fee-forservice
plans
Health
maintenance
organizations
All
plans
Fee-forservice
plans
Health
maintenance
organizations
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 ...................................................
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
26
26
24
30
30
30
30
30
30
30
20
24
25
20
20
20
20
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
25
30
30
30
30
30
30
30
30
30
30
20
20
21
20
20
20
–
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
60
30
30
30
30
30
30
–
30
25
30
30
30
30
30
30
21
20
30
30
30
30
30
30
30
24
25
24
24
20
25
30
25
–
20
20
Geographic area
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Includes treatment in one or more of the following: outpatient
department of a hospital, residential tratment center, organized
outpatient clinic, day-night treatment center, or doctor’s office.
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: 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 36. Substance abuse treatment benefits:1 Median days covered per year for selected services by type of plan,
private industry workers, National Compensation Survey, 2008
(Includes all workers participating in plans with specified day limits)
Inpatient detoxification2
Characteristic
All workers .............................................................
All
plans
Fee-forservice
plans
Inpatient rehabilitation3
Health
maintenance
organizations
All
plans
Fee-forservice
plans
Outpatient rehabilitation4
Health
maintenance
organizations
All
plans
Fee-forservice
plans
Health
maintenance
organizations
30
30
30
30
30
30
30
30
30
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 ..................
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
–
30
30
30
35
30
30
30
30
30
30
30
30
30
30
30
–
30
30
–
30
30
30
30
30
30
30
30
30
30
45
30
30
30
30
30
30
30
30
30
25
30
30
35
30
35
35
26
30
24
Full time .................................................................
Part time ................................................................
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
Union .....................................................................
Nonunion ...............................................................
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
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 ......................................................
30
30
30
30
30
30
30
30
30
30
30
30
–
–
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
–
30
30
30
30
30
35
30
30
30
30
30
–
–
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
–
30
30
30
30
30
30
30
30
–
30
–
30
30
30
30
–
30
30
30
30
30
30
30
30
30
30
30
30
–
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
–
30
30
30
30
30
30
–
30
30
30
30
30
30
30
–
–
30
–
30
30
30
–
–
30
30
–
30
30
30
30
30
30
30
30
–
–
30
30
–
30
30
30
32
30
30
–
35
30
30
30
30
30
–
30
30
30
–
30
30
32
35
30
30
–
30
30
30
20
32
25
–
50
30
30
30
–
–
20
20
20
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 36. Substance abuse treatment benefits:1 Median days covered per year for selected services by type of plan,
private industry workers, National Compensation Survey, 2008—Continued
(Includes all workers participating in plans with specified day limits)
Inpatient detoxification2
Characteristic
All
plans
Fee-forservice
plans
Inpatient rehabilitation3
Health
maintenance
organizations
All
plans
Fee-forservice
plans
Outpatient rehabilitation4
Health
maintenance
organizations
All
plans
Fee-forservice
plans
Health
maintenance
organizations
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 ...................................................
30
30
30
30
30
30
30
30
30
30
30
30
30
30
–
–
30
–
–
–
–
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
–
–
30
30
50
30
30
30
30
30
30
–
30
30
30
30
30
32
60
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 ..........................................
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
32
30
–
30
30
30
30
30
30
30
30
–
30
30
30
30
30
30
30
30
–
30
–
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
–
30
30
30
30
–
30
60
30
30
30
30
30
24
30
30
50
30
30
30
30
30
24
30
30
60
25
26
30
25
–
–
–
Geographic area
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Substance abuse treatment benefits provide inpatient and outpatient care for
alcohol or drug dependency.
2 Inpatient detoxification is the systematic use of medication and other methods
under medical supervision to reduce or eliminate the effects of substance abuse.
3 Inpatient rehabilitation is designed to alter abusive behavior in patients once they
are free of acute physical and mental complications.
4 Outpatient rehabilitation includes treatment in one or more of the following:
outpatient department of a hospital, residentail treatment center, organized outpatient
clinic, day-night treatment center, or doctor’s office.
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 37. Alcohol abuse treatment benefits: Median days covered per year for selected services by type of plan,
private industry workers, National Compensation Survey, 2008
(Includes all workers participating in plans with specified day limits)
Inpatient detoxification1
Characteristic
All workers .............................................................
All
plans
Fee-forservice
plans
Inpatient rehabilitation2
Health
maintenance
organizations
All
plans
Fee-forservice
plans
Outpatient rehabilitation3
Health
maintenance
organizations
All
plans
Fee-forservice
plans
Health
maintenance
organizations
30
30
30
30
30
30
30
30
30
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 ..................
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
–
30
30
30
35
30
30
30
30
30
30
30
30
30
30
30
–
30
30
–
30
30
30
30
30
30
30
30
30
30
45
30
30
30
30
30
30
30
30
30
25
30
30
35
30
35
35
26
30
24
Full time .................................................................
Part time ................................................................
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
Union .....................................................................
Nonunion ...............................................................
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
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 ......................................................
30
30
30
30
30
30
30
30
30
30
30
30
–
–
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
–
30
30
30
30
30
35
30
30
30
30
30
–
–
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
–
30
30
30
30
30
30
30
30
–
30
–
30
30
30
30
–
30
30
30
30
30
30
30
30
30
30
30
30
–
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
–
30
30
30
30
30
30
–
30
30
30
30
30
30
30
–
–
30
–
30
30
30
–
–
30
30
–
30
30
30
30
30
30
30
30
–
–
30
30
–
30
30
32
40
30
30
–
35
30
30
30
30
30
–
30
30
30
–
30
30
32
45
30
30
–
30
30
30
20
32
25
–
50
30
30
30
–
–
20
20
20
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 37. Alcohol abuse treatment benefits: Median days covered per year for selected services by type of plan,
private industry workers, National Compensation Survey, 2008—Continued
(Includes all workers participating in plans with specified day limits)
Inpatient detoxification1
Characteristic
All
plans
Fee-forservice
plans
Inpatient rehabilitation2
Health
maintenance
organizations
All
plans
Fee-forservice
plans
Outpatient rehabilitation3
Health
maintenance
organizations
All
plans
Fee-forservice
plans
Health
maintenance
organizations
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 ...................................................
30
30
30
30
30
30
30
30
30
30
30
30
30
30
–
–
30
–
–
–
–
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
–
–
30
30
50
30
30
30
30
30
30
50
30
30
30
30
30
32
60
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 ..........................................
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
32
30
–
30
30
30
30
30
30
30
30
–
30
30
30
30
30
30
30
30
–
30
–
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
–
30
30
30
30
–
30
60
30
30
30
30
30
30
30
30
50
30
30
30
30
30
30
30
30
60
25
26
30
25
–
–
–
Geographic area
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Inpatient detoxification is the systematic use of medication and other methods
under medical supervision to reduce or eliminate the effects of substance abuse.
2 Inpatient rehabilitation is designed to alter abusive behavior in patients once they
are free of acute physical and mental complications.
3 Outpatient rehabilitation includes treatment in one or more of the following:
outpatient department of a hospital, residentail treatment center, organized outpatient
clinic, day-night treatment center, or doctor’s office.
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: 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 38. Drug abuse treatment benefits: Median days covered per year for selected services by type of plan, private
industry workers, National Compensation Survey, 2008
(Includes all workers participating in plans with specified day limits)
Inpatient detoxification1
Characteristic
All workers .............................................................
All
plans
Fee-forservice
plans
Inpatient rehabilitation2
Health
maintenance
organizations
All
plans
Fee-forservice
plans
Outpatient rehabilitation3
Health
maintenance
organizations
All
plans
Fee-forservice
plans
Health
maintenance
organizations
30
30
30
30
30
30
30
30
30
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 ..................
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
26
–
30
30
30
35
30
30
30
30
30
30
30
30
30
30
30
–
30
30
–
30
30
30
30
30
30
30
30
30
30
45
30
30
30
30
30
30
30
30
30
25
30
30
35
30
35
35
25
25
24
Full time .................................................................
Part time ................................................................
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
Union .....................................................................
Nonunion ...............................................................
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
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 ......................................................
30
30
30
30
30
30
30
30
30
30
30
30
–
–
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
–
30
30
30
30
30
35
30
30
30
30
30
–
–
25
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
–
30
30
30
30
30
30
–
30
–
30
–
30
30
30
30
–
30
30
30
30
30
30
30
30
30
30
30
30
–
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
–
30
30
30
30
30
30
30
30
30
30
30
30
30
30
–
–
30
–
30
30
30
–
–
30
30
–
30
30
30
30
30
30
30
30
–
–
30
30
–
30
30
30
–
30
30
–
35
30
30
30
30
30
–
30
30
30
–
30
30
30
–
30
30
–
30
30
24
20
30
25
–
50
30
30
30
–
–
20
20
20
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 38. Drug abuse treatment benefits: Median days covered per year for selected services by type of plan, private
industry workers, National Compensation Survey, 2008—Continued
(Includes all workers participating in plans with specified day limits)
Inpatient detoxification1
Characteristic
All
plans
Fee-forservice
plans
Inpatient rehabilitation2
Health
maintenance
organizations
All
plans
Fee-forservice
plans
Outpatient rehabilitation3
Health
maintenance
organizations
All
plans
Fee-forservice
plans
Health
maintenance
organizations
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 ...................................................
30
30
30
30
30
30
30
30
30
30
30
30
30
30
–
–
30
–
–
–
–
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
–
–
30
30
50
30
30
30
30
30
30
–
30
30
30
30
30
24
60
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 ..........................................
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
26
–
30
–
30
30
30
30
30
30
30
30
–
30
30
30
30
30
30
30
30
–
30
–
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
–
30
30
30
30
–
30
60
30
30
30
30
30
24
30
30
50
30
30
30
30
30
24
30
24
60
25
26
30
25
–
–
–
Geographic area
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Inpatient detoxification is the systematic use of medication and other methods
under medical supervision to reduce or eliminate the effects of substance abuse.
2 Inpatient rehabilitation is designed to alter abusive behavior in patients once they
are free of acute physical and mental complications.
3 Outpatient rehabilitation includes treatment in one or more of the following:
outpatient department of a hospital, residentail treatment center, organized outpatient
clinic, day-night treatment center, or doctor’s office.
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: 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 39. Dental care benefits: Coverage for selected services, private industry workers, National
Compensation Survey, 2008
(All workers participating in dental care plans = 100 percent)
Orthodontia
Characteristic
All workers .............................................................
Preventive
services1
Basic
services2
Major
services3
Total
Employee
and
dependent
Dependent
only
100
100
97
72
37
35
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
100
100
100
100
100
100
100
97
97
97
98
98
97
98
93
73
75
72
66
72
57
79
71
40
40
39
27
38
36
38
37
33
35
32
39
34
20
41
34
100
100
100
100
100
100
100
100
100
100
93
93
97
97
98
62
80
75
75
76
27
46
36
32
41
35
34
40
43
35
Full time .................................................................
Part time ................................................................
100
100
100
100
97
97
72
76
37
31
35
45
Union .....................................................................
Nonunion ...............................................................
100
100
100
100
98
97
76
71
40
36
36
35
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 ......................................................
100
100
100
100
100
100
100
100
100
100
100
100
97
98
97
97
97
95
71
63
73
71
74
75
29
31
34
33
41
44
42
32
39
38
33
31
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
95
91
97
98
96
91
97
100
96
99
97
97
97
98
95
100
100
100
76
58
82
71
67
64
57
90
82
84
82
83
83
81
79
69
79
58
35
24
39
37
40
36
37
53
37
67
40
44
31
50
–
36
51
–
41
34
42
34
27
27
20
37
45
17
42
39
52
32
–
33
28
–
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 39. Dental care benefits: Coverage for selected services, private industry workers, National
Compensation Survey, 2008—Continued
(All workers participating in dental care plans = 100 percent)
Orthodontia
Characteristic
Preventive
services1
Basic
services2
Major
services3
Total
Employee
and
dependent
Dependent
only
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
99
99
100
100
100
100
100
99
99
100
100
100
100
97
96
95
97
100
100
100
71
76
76
70
60
54
63
31
51
43
27
22
–
–
41
26
34
43
37
–
–
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
100
100
99
98
99
96
96
97
63
63
63
77
73
81
34
35
32
38
38
39
29
28
32
38
35
42
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
96
96
97
98
95
97
99
98
98
71
72
74
75
67
74
73
84
69
37
35
38
33
34
30
39
41
39
33
38
36
42
32
44
34
43
30
Geographic area
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Preventative services include dental exams, cleanings, and other
preventive care.
2 Basic services include dental services such as fillings, dental
surgery, periodontal care, and endodontics.
3 Major services include dental procedures such as crowns and
prosthetics.
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.
Table 40. Dental care benefits: Extent of coverage for selected services, private industry workers, National
Compensation Survey, 2008
(All workers participating in dental care plans = 100 percent)
Preventive services1
Characteristic
All workers .............................................................
Full
coverage
Basic services3
Coverage
Coverage
No
Not
Full
No
Not
with
with
coverage
determinable
coverage
coverage determinable
limits2
limits2
13
87
–
–
2
98
–
–
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 ..................
13
10
15
22
12
13
12
12
87
90
85
78
88
87
88
88
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2
–
–
–
99
98
99
99
98
97
98
96
–
–
–
–
–
–
–
–
(5)
–
(5)
–
–
(5)
(5)
–
12
12
7
6
7
88
88
93
94
93
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
97
96
99
99
99
–
–
–
–
–
–
–
–
–
–
Full time .................................................................
Part time ................................................................
13
11
87
89
–
–
–
–
2
–
98
96
–
–
–
–
Union .....................................................................
Nonunion ...............................................................
13
13
87
87
–
–
–
–
–
1
97
99
–
–
–
–
Average wage within the following percentiles:6
Less than 10 ......................................................
10 to under 25 ...................................................
25 to under 50 ...................................................
50 to under 75 ...................................................
75 to under 90 ...................................................
90 or greater ......................................................
–
–
10
11
12
15
86
81
90
89
88
85
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2
–
–
–
93
99
98
98
98
98
–
–
–
–
–
–
–
–
–
(5)
(5)
–
10
18
7
13
11
14
13
–
–
–
15
14
18
12
–
14
14
–
90
82
93
87
89
86
87
96
90
89
85
86
82
88
78
86
86
87
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1
3
–
–
–
–
–
2
2
2
–
–
–
–
–
97
93
99
99
97
97
96
100
97
100
98
98
98
98
100
99
99
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 ..............
Administrative and waste services ................
See footnotes at end of table.
Table 40. Dental care benefits: Extent of coverage for selected services, private industry workers, National
Compensation Survey, 2008—Continued
(All workers participating in dental care plans = 100 percent)
Preventive services1
Characteristic
Full
coverage
Basic services3
Coverage
Coverage
No
Not
Full
No
Not
with
with
coverage
determinable
coverage
coverage determinable
limits2
limits2
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 ...................................................
10
–
–
9
–
–
–
90
85
90
91
75
77
62
–
–
–
–
–
–
–
–
1
1
–
–
–
–
–
–
–
–
–
–
–
99
98
98
99
100
100
100
–
–
–
–
–
–
–
(5)
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 ..........................................
12
13
8
13
14
12
88
87
92
87
86
88
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2
2
–
99
99
99
98
98
98
–
–
–
–
–
–
(5)
–
(5)
–
–
–
10
10
18
–
–
–
10
–
12
90
90
82
89
86
94
90
84
88
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
98
97
99
99
100
98
96
97
99
–
–
–
–
–
–
–
–
–
–
–
( )
–
–
–
(5)
–
–
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.
5
Table 40. Dental care benefits: Extent of coverage for selected services,
private industry workers, National Compensation Survey,
2008—Continued
(All workers participating in dental care plans = 100 percent)
Major services4
Characteristic
All workers .............................................................
Full
coverage
Coverage
No
Not
with
coverage determinable
limits2
–
97
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 ..................
–
–
–
–
–
–
–
–
97
97
97
98
98
97
98
93
3
3
3
–
2
–
–
–
–
–
–
–
–
(5)
(5)
–
–
–
–
–
–
93
93
97
97
98
–
–
–
–
–
–
–
1
2
–
Full time .................................................................
Part time ................................................................
–
–
97
97
3
–
–
(5)
Union .....................................................................
Nonunion ...............................................................
–
–
97
97
–
3
–
–
Average wage within the following percentiles:6
Less than 10 ......................................................
10 to under 25 ...................................................
25 to under 50 ...................................................
50 to under 75 ...................................................
75 to under 90 ...................................................
90 or greater ......................................................
–
–
–
–
–
–
97
98
97
97
97
95
–
–
2
2
2
5
–
1
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
95
91
97
98
96
91
97
100
95
99
97
97
96
98
95
100
100
100
–
–
–
2
4
9
–
–
–
–
–
–
–
–
–
–
–
–
1
–
1
–
–
–
(5)
–
–
–
(5)
5
( )
–
–
–
–
–
–
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 40. Dental care benefits: Extent of coverage for selected services,
private industry workers, National Compensation Survey,
2008—Continued
(All workers participating in dental care plans = 100 percent)
Major services4
Characteristic
Full
coverage
Coverage
No
Not
with
coverage determinable
limits2
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 ...................................................
–
–
–
–
–
–
–
97
96
95
97
100
100
100
3
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 ..........................................
–
–
–
–
–
–
98
98
98
96
96
97
–
–
–
3
4
3
(5)
–
(5)
–
–
–
–
–
–
–
–
–
–
–
–
96
95
97
98
95
97
99
98
98
–
4
–
–
–
–
–
–
–
–
–
1
–
(5)
–
(5)
–
(5)
Geographic area
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Preventative services include dental exams,
cleanings, and other preventive care.
2 Coverage for dental procedures may be subject
to scheduled allowance, deductible, or coinsurance
provisions, in addition to maximum dollar limitations.
3 Basic services include dental services such as
fillings, dental surgery, periodontal care, and
endodontics.
4 Major services include dental procedures such
as crowns and prosthetics.
5 Less than 0.5 percent.
6 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 41. Dental care benefits: Coverage for orthodontia, private industry workers,
National Compensation Survey, 2008
(All workers participating in dental care plans = 100 percent)
Employee and dependent
Characteristic
All workers .............................................................
Full
coverage
Coverage
No
Not
with
coverage determinable
1
limits
Median
percent
of
covered
charges2
–
37
62
–
50
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 ..................
–
–
–
–
–
–
–
–
40
40
39
27
38
36
38
37
59
57
60
73
60
60
60
63
–
–
–
–
–
–
–
–
50
50
50
50
50
50
50
50
–
–
–
–
–
27
46
36
32
41
73
53
63
66
59
–
–
–
–
–
–
50
50
50
50
Full time .................................................................
Part time ................................................................
–
–
37
31
62
67
–
–
50
50
Union .....................................................................
Nonunion ...............................................................
–
–
40
36
60
62
–
–
50
50
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 ......................................................
–
–
–
–
–
–
29
31
34
33
41
44
71
67
65
66
58
54
–
–
–
–
–
–
50
50
50
50
50
50
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
35
24
39
37
40
36
37
53
37
67
40
44
31
50
–
36
51
30
63
73
59
62
58
64
58
47
60
33
57
53
66
47
71
64
49
70
–
–
–
–
–
–
–
–
–
–
–
–
–
–
3
–
–
–
50
–
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
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 41. Dental care benefits: Coverage for orthodontia, private industry workers,
National Compensation Survey, 2008—Continued
(All workers participating in dental care plans = 100 percent)
Employee and dependent
Characteristic
Full
coverage
Coverage
No
Not
with
coverage determinable
1
limits
Median
percent
of
covered
charges2
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 ...................................................
–
–
–
–
–
–
–
31
51
43
27
22
22
–
69
48
56
73
78
78
67
–
–
–
–
–
–
–
50
50
50
50
50
50
–
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
–
–
–
–
–
–
34
35
32
38
38
39
65
63
68
61
61
61
–
–
–
–
–
–
50
50
50
50
50
50
–
–
–
–
–
–
–
–
–
37
35
38
33
34
30
39
41
39
63
64
59
66
65
70
61
59
59
–
–
–
–
–
–
–
–
–
50
50
50
50
50
50
50
50
50
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 41. Dental care benefits: Coverage for orthodontia, private industry workers, National
Compensation Survey, 2008—Continued
(All workers participating in dental care plans = 100 percent)
Dependent only
Characteristic
All workers .............................................................
Full
coverage
Coverage
No
Not
with
coverage determinable
1
limits
Median
Median
percent
lifetime
of
maximum2
covered
charges2
–
35
63
–
50
$1,500
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 ..................
–
–
–
–
–
–
–
–
33
35
32
39
34
20
41
34
66
63
67
61
64
76
58
65
–
–
–
–
–
–
–
–
50
50
50
50
50
50
50
50
1,500
1,500
1,500
1,000
1,500
–
1,500
1,500
–
–
–
–
–
35
34
40
43
35
65
65
59
55
65
–
–
–
–
–
50
50
50
50
50
1,500
1,500
1,500
1,500
1,500
Full time .................................................................
Part time ................................................................
–
–
35
45
64
53
–
–
50
50
1,500
–
Union .....................................................................
Nonunion ...............................................................
–
–
36
35
64
63
–
–
50
50
1,500
1,500
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 ......................................................
–
–
–
–
–
–
42
32
39
38
33
31
58
66
59
61
66
68
–
–
–
–
–
–
50
50
50
50
50
50
1,000
–
1,500
1,500
1,500
1,500
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
41
34
42
34
27
27
20
37
45
17
42
39
52
32
53
33
28
–
57
63
56
65
71
73
76
63
52
83
55
58
45
65
44
66
72
73
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
1,500
1,500
1,500
1,500
1,500
1,500
1,000
1,750
1,500
1,500
1,500
1,500
1,500
1,500
–
1,500
1,500
1,500
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 41. Dental care benefits: Coverage for orthodontia, private industry workers, National
Compensation Survey, 2008—Continued
(All workers participating in dental care plans = 100 percent)
Dependent only
Characteristic
Full
coverage
Coverage
No
Not
with
coverage determinable
1
limits
Median
Median
percent
lifetime
of
maximum2
covered
charges2
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 ...................................................
–
–
–
–
–
–
–
41
26
34
43
37
–
–
59
73
65
57
63
68
70
–
–
–
–
–
–
–
50
50
50
50
50
50
50
–
$1,400
1,500
–
1,500
1,500
1,000
1 to 99 workers ......................................................
1 to 49 workers ..................................................
50 to 99 workers ................................................
100 workers or more ..............................................
100 to 499 workers ............................................
500 workers or more ..........................................
–
–
–
–
–
–
29
28
32
38
35
42
69
70
67
61
64
57
–
–
–
–
–
–
50
50
50
50
50
50
1,250
1,250
1,200
1,500
1,500
1,500
–
–
–
–
–
–
–
–
–
33
38
36
42
32
44
34
43
30
67
61
62
57
67
56
66
57
69
–
–
–
–
–
–
–
–
–
50
50
50
50
50
50
50
50
50
–
1,500
1,500
1,000
1,500
1,500
1,500
1,500
1,500
Geographic area
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Coverage for orthodontia care benefits may be subject to
scheduled allowance, deductible, or coinsurance provisions, in
addition to maximum dollar amounts.
2 Medians include only those plans that have the specified
provision.
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 42. Dental care benefits: Median percent of covered charges
paid by plan for selected services, private industry workers,
National Compensation Survey, 2008
(Includes all workers participating in dental care plans)
Characteristic
All workers .............................................................
Preventive
services1
Basic
services2
Major
services3
100
80
50
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
80
80
80
80
80
80
80
80
50
50
50
50
50
50
50
50
100
100
100
100
100
80
80
80
80
80
60
50
50
50
50
Full time .................................................................
Part time ................................................................
100
100
80
80
50
50
Union .....................................................................
Nonunion ...............................................................
100
100
80
80
50
50
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 ......................................................
100
100
100
100
100
100
80
80
80
80
80
80
50
50
50
50
50
50
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
80
80
80
80
80
80
80
80
80
80
80
80
80
80
80
80
80
80
80
80
80
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
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 ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
See footnotes at end of table.
Table 42. Dental care benefits: Median percent of covered charges
paid by plan for selected services, private industry workers,
National Compensation Survey, 2008—Continued
(Includes all workers participating in dental care plans)
Preventive
services1
Characteristic
Basic
services2
Major
services3
Establishment characteristic
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
100
100
100
100
80
80
80
80
50
50
50
50
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
80
80
80
80
80
80
50
50
50
50
50
50
100
100
100
100
100
100
100
100
100
80
80
80
80
80
80
80
80
80
50
50
50
50
50
50
50
50
50
Geographic area
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Preventative
services include dental
exams, cleanings, and other preventive care.
2 Basic services include dental services
such as fillings, dental surgery, periodontal care,
and endodontics.
3 Major services include dental procedures
such as crowns and prosthetics.
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: 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 43. Dental care benefits: Amount of annual individual deductible,1 private industry workers, National Compensation
Survey, 2008
(All workers participating in dental care plans = 100 percent)
Amount of annual individual deductible
Characteristic
All workers .............................................................
Total
With annual
individual
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
annual
individual
deductible
Not
determinable
100
72
$25
$50
$50
$50
$50
26
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 ..................
100
100
100
100
100
100
100
100
71
71
70
67
75
77
75
66
25
25
25
25
25
50
25
25
50
50
50
25
50
50
50
30
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
60
28
26
29
31
22
20
23
31
2
2
1
1
3
3
2
3
100
100
100
100
100
56
74
77
78
75
25
25
25
25
25
25
50
50
25
50
50
50
50
50
50
50
50
50
50
50
50
75
50
50
50
40
23
20
19
23
3
3
3
4
2
Full time .................................................................
Part time ................................................................
100
100
72
67
25
25
50
50
50
50
50
50
50
50
25
29
2
4
Union .....................................................................
Nonunion ...............................................................
100
100
58
75
25
25
25
50
50
50
50
50
50
50
40
22
2
2
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
66
79
74
73
70
71
25
25
25
25
25
25
50
50
50
30
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
27
–
25
25
29
28
7
–
2
3
2
2
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
74
61
78
72
78
74
77
88
77
72
75
78
73
80
65
73
67
77
25
25
25
25
25
25
25
25
25
25
25
25
25
25
50
25
25
25
25
25
25
50
50
50
50
50
25
50
50
50
50
50
50
50
50
25
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
60
50
50
60
60
50
75
75
50
50
50
24
36
20
26
19
26
18
–
23
28
22
20
24
17
30
25
31
–
2
3
2
2
3
(3)
5
–
1
(3)
3
3
3
3
5
2
1
–
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 43. Dental care benefits: Amount of annual individual deductible,1 private industry workers, National Compensation
Survey, 2008—Continued
(All workers participating in dental care plans = 100 percent)
Amount of annual individual deductible
Characteristic
Total
With annual
individual
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
annual
individual
deductible
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
62
66
65
62
62
59
72
$25
25
25
25
50
25
25
$25
50
50
25
50
50
25
$50
50
50
50
50
50
50
$50
50
50
50
50
50
50
$50
75
50
50
50
50
50
37
32
34
38
36
39
–
1
3
1
1
2
–
–
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
71
71
70
73
76
69
25
25
25
25
25
25
50
50
50
50
50
25
50
50
50
50
50
50
50
50
50
50
50
50
50
50
75
50
50
50
26
24
29
26
22
30
4
5
1
2
2
1
100
100
100
100
100
100
100
100
100
74
62
65
75
81
83
74
75
74
25
25
25
25
25
25
25
25
25
50
25
50
25
50
30
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
–
34
32
24
17
–
25
20
25
–
4
3
2
2
–
1
5
1
Geographic area
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Amount of deductible is for each insured individual and excludes separate deductibles
for orthodontic procedures. A single deductible may not apply to all covered dental
procedures. If separate deductibles applied to different procedures, the sum of the
deductible amounts was tabulated.
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.
3 Less than 0.5 percent.
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 44. Dental care benefits: Amount of annual family deductible,1 private industry workers, National Compensation
Survey, 2008
(All workers participating in dental care plans = 100 percent)
Amount of annual family deductible
Characteristic
All workers .............................................................
Total
With annual
family
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
annual
family
deductible
Not
determinable
100
56
$75
$100
$150
$150
$150
41
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 ..................
100
100
100
100
100
100
100
100
56
55
56
46
61
61
61
47
75
75
75
50
75
75
75
75
100
100
100
75
100
100
100
100
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
200
43
42
43
53
36
36
36
50
2
2
1
1
3
3
2
3
100
100
100
100
100
38
55
62
65
57
50
90
75
75
100
75
100
100
75
125
150
150
150
150
150
150
150
150
150
150
150
225
150
150
200
59
42
35
31
42
3
3
3
4
2
Full time .................................................................
Part time ................................................................
100
100
56
55
75
75
100
150
150
150
150
150
150
150
41
42
2
4
Union .....................................................................
Nonunion ...............................................................
100
100
39
60
75
75
75
100
125
150
150
150
150
150
59
37
2
2
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
33
51
63
59
53
53
50
75
75
75
75
75
100
100
100
75
90
100
150
150
150
150
150
150
150
150
150
150
150
150
150
200
150
150
150
150
60
47
36
38
45
46
7
–
2
3
2
2
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
59
40
66
56
60
61
62
58
52
58
64
65
58
74
57
52
43
51
75
50
75
75
75
50
75
100
75
75
75
75
75
75
150
75
75
75
75
75
75
100
100
100
100
100
75
100
150
150
150
150
150
100
150
75
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
225
150
150
150
150
150
150
150
150
150
150
150
200
150
150
225
200
200
240
200
150
150
150
150
150
225
150
240
150
39
57
32
42
36
38
33
40
48
42
33
32
39
23
38
46
56
46
2
3
2
2
3
(3)
5
–
1
(3)
3
3
3
3
5
2
1
–
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 44. Dental care benefits: Amount of annual family deductible,1 private industry workers, National Compensation
Survey, 2008—Continued
(All workers participating in dental care plans = 100 percent)
Amount of annual family deductible
Characteristic
Total
With annual
family
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
annual
family
deductible
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
56
53
51
57
28
–
49
$50
100
75
50
75
–
75
$75
100
100
75
100
–
75
$150
150
150
150
150
–
150
$150
150
150
150
150
–
150
$150
150
150
150
150
–
150
43
44
48
42
70
79
41
1
3
1
1
2
–
–
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
52
52
51
59
60
57
75
75
75
75
75
75
150
100
150
75
100
75
150
150
150
150
150
150
150
150
150
150
150
150
150
150
200
150
200
150
45
43
48
40
38
41
4
5
1
2
2
1
100
100
100
100
100
100
100
100
100
63
54
53
55
64
71
54
60
52
75
50
75
75
75
75
50
75
75
100
75
100
75
100
90
100
100
75
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
200
200
36
43
44
44
34
28
45
35
47
–
4
3
2
2
–
1
5
1
Geographic area
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Amount of deductible excludes separate deductibles for orthodontic procedures. A
deductible may not apply to all covered dental procedures. If separate deductibles applied
to different procedures, the sum of the deductible amounts was tabulated.
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.
3 Less than 0.5 percent.
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 45. Dental care benefits: Amount of annual plan maximum,1 private industry workers, National Compensation Survey,
2008
(All workers participating in dental care plans = 100 percent)
Amount of annual plan maximum
Characteristic
All workers .............................................................
Total
With annual
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
annual
maximum
Not
determinable
100
88
$1,000
$1,000
$1,500
$1,500
$2,000
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 ..................
100
100
100
100
100
100
100
100
85
85
84
89
89
90
88
90
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,500
1,500
1,500
1,500
1,300
1,000
1,500
1,500
1,500
1,750
1,500
1,500
1,500
1,500
1,500
1,700
2,000
2,000
2,000
2,000
2,000
1,500
2,000
2,000
11
11
10
–
10
9
10
10
5
4
5
–
1
1
2
(2)
100
100
100
100
100
92
89
92
93
91
1,000
1,000
1,000
1,000
750
1,000
1,000
1,000
1,000
1,000
1,500
1,500
1,500
1,500
1,250
2,000
1,500
2,000
2,000
1,500
2,000
2,000
2,500
2,500
2,500
8
11
6
5
–
(2)
(2)
2
2
–
Full time .................................................................
Part time ................................................................
100
100
88
87
1,000
1,000
1,000
1,000
1,500
1,000
1,500
1,500
2,000
2,000
9
12
2
2
Union .....................................................................
Nonunion ...............................................................
100
100
87
88
1,000
1,000
1,000
1,000
1,500
1,500
2,000
1,500
2,500
2,000
12
9
(2)
3
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
89
85
92
91
87
81
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,500
1,200
1,500
1,500
1,500
1,750
1,500
1,500
1,600
1,600
1,800
2,000
2,000
2,000
2,000
2,000
2,000
–
–
7
8
10
13
–
–
1
1
3
6
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
92
88
94
87
90
89
88
95
87
86
86
87
86
87
82
79
71
85
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
750
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,200
1,000
1,300
1,000
1,000
1,000
1,000
1,000
1,200
1,000
1,000
1,500
1,500
1,500
1,500
1,000
1,000
1,000
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,000
1,500
1,500
1,500
2,000
1,800
2,000
1,500
1,500
1,500
1,000
2,000
2,000
2,000
2,000
2,000
1,500
2,000
1,500
2,000
1,500
2,000
2,000
2,000
2,250
2,000
2,000
1,500
1,500
2,500
2,000
2,000
2,000
2,000
2,000
2,000
2,000
2,000
2,000
2,500
7
–
–
10
9
–
10
–
–
–
10
10
10
11
–
15
18
–
1
–
–
3
1
–
2
–
–
–
4
3
4
2
–
6
12
–
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 45. Dental care benefits: Amount of annual plan maximum,1 private industry workers, National Compensation Survey,
2008—Continued
(All workers participating in dental care plans = 100 percent)
Amount of annual plan maximum
Characteristic
Total
With annual
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
annual
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
91
86
85
92
87
88
93
$1,000
1,000
1,000
1,000
1,000
1,000
1,000
$1,000
1,000
1,000
1,000
1,500
1,500
1,000
$1,000
1,500
1,500
1,000
1,500
1,500
1,000
$1,500
1,500
1,700
1,500
2,000
2,000
1,500
$1,500
2,000
3,000
1,500
2,000
2,000
2,000
8
13
15
7
–
–
–
1
(2)
(2)
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
90
91
89
87
87
87
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,200
1,200
1,200
1,500
1,500
1,500
1,500
1,500
1,500
1,750
1,500
1,850
2,000
2,000
2,000
2,000
2,000
2,000
8
6
–
11
9
12
2
3
–
2
4
1
100
100
100
100
100
100
100
100
100
95
86
86
94
88
91
88
92
86
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,500
1,500
1,250
1,000
1,250
1,500
1,500
1,500
1,500
1,500
2,000
1,500
1,500
1,500
1,600
1,500
1,500
2,000
2,000
2,000
2,000
2,000
2,000
2,000
2,000
2,000
2,500
–
12
12
5
6
–
9
–
12
–
2
2
1
6
–
3
–
2
Geographic area
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Includes all covered dental procedures except orthodontia. Coverage for dental
procedures may be subject to scheduled allowance, deductible, or coinsurance provisions,
in addition to annual plan maximum. If separate annual maximums applied to different
dental procedures, the sum of the maximum was tabulated.
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 46. Vision care benefits: Coverage for selected services,
private industry workers, National Compensation Survey, 2008
(All workers participating in vision care plans = 100 percent)
Characteristic
All workers .............................................................
Eye exams
Glasses
Contact
lenses1
99
100
88
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 ..................
99
99
100
100
99
100
99
99
99
99
99
100
100
100
100
100
86
82
89
85
93
98
91
85
100
99
99
99
99
100
99
100
100
100
82
87
91
90
92
Full time .................................................................
Part time ................................................................
99
100
100
100
88
93
Union .....................................................................
Nonunion ...............................................................
100
99
99
100
88
89
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
99
99
99
99
100
100
100
100
99
99
82
94
88
90
85
89
99
100
99
99
99
100
100
100
87
100
98
98
98
100
100
100
100
100
99
98
98
100
100
100
99
99
100
100
100
77
100
100
100
100
100
100
100
100
100
99
97
96
89
84
92
88
90
86
94
93
71
97
88
93
92
93
73
93
93
97
81
74
77
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 ................
Education and health services ...........................
Educational services ......................................
Junior colleges, colleges, and universities
See footnotes at end of table.
Table 46. Vision care benefits: Coverage for selected services,
private industry workers, National Compensation Survey,
2008—Continued
(All workers participating in vision care plans = 100 percent)
Characteristic
Eye exams
Glasses
Contact
lenses1
Establishment characteristic
Health care and social assistance .................
Leisure and hospitality .......................................
Accommodation and food services ................
Other services ...................................................
99
100
100
100
99
100
100
100
83
81
78
75
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
99
100
99
99
99
100
100
100
99
99
99
86
86
84
90
89
91
99
99
99
97
99
99
98
100
100
100
99
100
97
100
100
100
100
100
78
79
91
85
92
86
84
89
96
Geographic area
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Includes plans that provide coverage for
elective purchase of contact lenses; medically
necessary contact lenses (cataract surgery)
normally are provided under the surgical portion
of a medical plan and are not described in this
table.
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 47. Vision care benefits: Extent of coverage for selected services, private industry workers, National
Compensation Survey, 2008
(All workers participating in vision care plans = 100 percent)
Eye exams
Characteristic
All workers .............................................................
Full
coverage
Glasses
Coverage
Coverage
No
Not
Full
No
Not
with
with
coverage
determinable
coverage
coverage determinable
limits1
limits1
21
78
–
–
9
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 ..................
20
18
21
17
24
–
30
21
79
81
78
83
75
88
69
78
(3)
–
–
–
–
–
–
–
(3)
–
–
–
–
–
–
–
7
–
7
–
10
–
–
–
92
93
92
86
90
91
90
85
–
–
–
–
–
–
–
–
–
1
–
–
–
–
(3)
(3)
24
19
22
22
23
76
80
77
78
77
–
–
–
–
–
–
–
–
–
–
–
–
8
7
–
85
85
91
93
89
–
–
–
–
–
(3)
(3)
–
–
(3)
Full time .................................................................
Part time ................................................................
21
20
78
80
–
–
–
–
8
–
91
77
–
–
–
–
Union .....................................................................
Nonunion ...............................................................
27
19
73
80
–
–
–
–
20
6
79
94
–
–
–
–
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 ......................................................
–
–
22
26
19
18
88
89
77
73
80
81
–
–
–
–
–
–
–
(3)
–
–
–
–
–
–
12
10
8
9
94
94
88
90
91
90
–
–
–
–
–
–
–
–
–
–
–
–
23
20
24
21
15
–
–
–
–
–
15
14
–
–
–
23
–
–
76
80
74
79
84
90
90
66
65
75
83
84
85
84
80
77
80
87
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
12
–
–
–
–
–
–
–
(3)
–
9
–
8
9
–
–
–
–
–
–
7
9
–
–
–
–
–
–
91
88
92
90
93
97
97
80
72
91
93
91
94
89
98
92
97
87
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1
–
–
–
12
–
–
–
–
–
–
–
–
–
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 47. Vision care benefits: Extent of coverage for selected services, private industry workers, National
Compensation Survey, 2008—Continued
(All workers participating in vision care plans = 100 percent)
Eye exams
Characteristic
Full
coverage
Glasses
Coverage
Coverage
No
Not
Full
No
Not
with
with
coverage
determinable
coverage
coverage determinable
limits1
limits1
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 ...................................................
31
–
–
35
–
–
–
68
90
83
64
87
90
95
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
81
90
84
79
89
89
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 ..........................................
20
17
25
22
18
26
80
83
75
77
81
73
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
11
11
11
93
95
90
89
88
89
–
–
–
–
–
–
–
–
–
–
–
–
–
30
19
–
–
–
–
–
23
78
69
80
84
80
78
81
89
77
–
–
–
–
–
–
–
–
–
–
–
–
3
(3)
1
1
–
–
–
15
8
–
–
–
–
–
–
83
84
92
88
93
98
97
96
89
–
–
–
–
–
–
–
–
–
–
–
–
2
–
–
–
–
–
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 47. Vision care benefits: Extent of coverage for selected services,
private industry workers, National Compensation Survey,
2008—Continued
(All workers participating in vision care plans = 100 percent)
Contact lenses2
Characteristic
All workers .............................................................
Full
coverage
Coverage
No
Not
with
coverage determinable
limits1
4
84
9
3
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 ..................
4
–
3
–
–
–
–
–
82
75
86
82
90
95
88
78
10
–
9
–
6
–
8
–
3
6
2
1
–
2
–
6
–
–
–
–
–
77
78
87
88
86
–
–
–
–
–
7
6
3
3
2
Full time .................................................................
Part time ................................................................
3
–
85
80
9
–
3
1
Union .....................................................................
Nonunion ...............................................................
–
3
82
85
11
8
–
3
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 ......................................................
–
–
–
3
–
–
77
92
85
87
82
82
–
–
10
7
10
9
(3)
(3)
–
3
–
–
–
–
–
4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
85
78
88
84
85
81
91
87
71
91
87
93
92
93
71
89
93
90
–
–
–
9
–
–
–
–
–
–
–
–
–
–
–
–
–
–
4
5
2
3
5
10
1
–
12
1
6
2
1
5
18
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 47. Vision care benefits: Extent of coverage for selected services,
private industry workers, National Compensation Survey,
2008—Continued
(All workers participating in vision care plans = 100 percent)
Contact lenses2
Characteristic
Full
coverage
Coverage
No
Not
with
coverage determinable
limits1
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 ...................................................
–
–
–
–
–
–
–
77
70
70
78
78
78
75
–
–
21
–
–
–
–
2
1
–
2
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 ..........................................
–
–
–
5
–
5
83
83
82
85
85
86
12
–
–
7
7
7
–
3
1
3
–
2
–
–
–
–
–
–
–
–
–
77
76
87
72
89
84
83
87
90
–
16
–
–
–
–
–
–
–
3
–
2
2
2
1
1
7
2
Geographic area
New England .........................................................
Middle Atlantic .......................................................
East North Central .................................................
West North Central ................................................
South Atlantic ........................................................
East South Central ................................................
West South Central ...............................................
Mountain ................................................................
Pacific ....................................................................
1 Includes plans subject to copayment, cash
allowance, and retail discount.
2 Includes plans that provide coverage for
elective purchase of contact lenses; medically
necessary contact lenses (cataract surgery) normally
are provided under the surgical portion of a medical
plan and are not described in this table.
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.