Annual Bulletin on Benefit Plan Details
National Compensation Survey: Health Plan Provisions in
Private Industry in the United States, 2011
U.S. Department of Labor
Hilda L. Solis, Secretary
U.S. Bureau of Labor Statistics
John M. Galvin, Acting Commissioner
December 2012
Bulletin 2775
Contents
Overview
Basic Provisions Tables

Medical care benefits

Fee-for-service plans

Health maintenance organizations

High deductible health plans

Outpatient prescription drug benefits
Additional Provisions Tables

Medical care benefits

Fee-for-service plans

Health maintenance organizations

Selected benefits by type of plan

Mentalhealthcare and substance abuse treatment benefits

Dental care benefits

Vision care benefits
Technical note
Appendix table 1: Survey establishment response
Appendix table 2: Number of workers represented
Overview
The National Compensation Survey (NCS) provides comprehensive measures of compensation cost trends, the
incidence of benefits, and detailed benefit provisions. This bulletin presents estimates of the detailed provisions
of employer-provided health plans in private industry in 2011. Under the NCS program, information on the
incidence and provision of benefits is published in stages. A bulletin provided NCS data for civilian, state and
local government, and private industry workers, on the incidence of (access to and participation in) selected
benefits and detailed provisions of paid holidays, life insurance plans, and some other benefit plans, as well as
on employer and employee shares of contributions to medical care premiums and their average amounts was
published in September 2012.
The bulletin of detailed benefit provisions this year includes health tables for private industry.
Health tables for state and local government were published in March 2012.
For more information on these data and recent and historical NCS benefits data, call the information line at
(202) 691–6199 or send email ([email protected]). Information is made available to sensory-impaired
individuals upon request (Voice phone: (202) 691–5200; Federal Relay Service: 1 (800) 877–8339). Data
requests also may be sent to U.S. Bureau of Labor Statistics, Division of Compensation Data Analysis and
Planning, 2 Massachusetts Avenue NE, Room 4175, Washington, DC 20212. Material in this publication is in
the public domain and, with appropriate credit, may be reproduced without permission.
Basic Provisions Tables
Types of Benefits:

Medical care benefits

Fee-for-service plans

Health maintenance organizations

High deductible health plans

Outpatient prescription drug benefits
Table 1. Medical care benefits: Plan type, private industry workers, National Compensation Survey, 2011
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristics
Total
Total
All workers ...............................................................
Traditional
Preferred
provider
organization
Point of
service plan
Exclusive
provider
organization
Not
determinable
100
79
3
60
10
7
–
Worker characteristic
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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
70
–
81
85
78
86
2
3
2
–
–
4
–
–
–
52
57
49
54
58
60
70
55
76
13
10
16
8
–
10
6
12
4
8
9
8
8
–
7
–
7
5
–
–
–
–
–
–
–
–
–
100
100
100
100
100
86
87
84
83
85
–
–
–
–
–
76
75
68
69
68
3
4
6
–
–
–
6
5
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
100
100
79
83
3
–
60
63
10
7
7
–
–
–
Union .......................................................................
Nonunion .................................................................
100
100
75
80
–
3
62
60
6
10
4
7
–
–
Average wage within the following categories:1
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
100
80
–
79
79
79
81
–
–
2
3
3
2
65
60
59
61
58
57
5
–
11
9
10
12
–
–
7
6
8
9
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
–
100
82
84
83
–
–
–
71
77
71
–
–
–
5
–
5
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
–
100
100
78
84
76
86
76
76
84
84
3
–
–
–
–
–
–
3
57
74
68
80
69
55
51
53
11
4
–
–
–
–
18
16
7
–
–
–
–
12
13
13
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 1. Medical care benefits: Plan type, private industry workers, National
Compensation Survey, 2011—Continued
(All workers participating in medical care plans = 100 percent)
Health maintenance organization
Characteristics
Total
All workers ...............................................................
Traditional
Open
access
Not
determinable
21
17
4
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
24
22
25
30
–
19
15
22
14
18
18
18
26
–
16
13
18
12
6
4
–
–
–
4
–
4
–
–
–
–
–
–
–
–
–
–
14
13
16
17
15
12
12
13
12
13
–
–
3
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
21
17
17
15
4
–
–
–
Union .......................................................................
Nonunion .................................................................
25
20
23
15
1
5
–
–
Average wage within the following categories:1
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
20
–
21
21
21
19
18
–
17
17
16
15
–
–
–
4
5
4
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
18
16
17
14
15
14
3
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
22
16
24
14
24
24
16
16
17
14
20
12
17
–
13
12
4
3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 1. Medical care benefits: Plan type, private industry workers, National Compensation Survey,
2011—Continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristics
Total
Total
Traditional
Preferred
provider
organization
Point of
service plan
Exclusive
provider
organization
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
100
–
100
100
100
–
100
100
100
86
81
77
77
72
60
71
75
–
–
4
–
–
–
–
–
–
–
49
63
56
58
36
46
52
34
69
21
6
–
–
27
9
13
31
–
14
–
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
77
75
80
81
83
80
2
2
–
4
–
3
61
60
63
59
66
51
8
8
10
11
6
16
6
6
–
8
7
9
–
–
–
–
–
–
–
100
100
100
100
100
100
100
100
72
78
82
89
84
–
88
84
58
–
–
–
2
4
–
–
–
–
52
50
68
70
63
74
68
63
43
4
15
7
12
12
–
10
–
7
10
10
–
5
–
–
–
8
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.
Table 1. Medical care benefits: Plan type, private industry workers, National
Compensation Survey, 2011—Continued
(All workers participating in medical care plans = 100 percent)
Health maintenance organization
Characteristics
Total
Traditional
Open
access
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
14
19
23
23
28
40
29
25
–
10
15
17
15
22
34
21
19
–
3
–
–
–
–
5
8
–
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
23
25
20
19
17
20
18
18
17
15
15
16
5
7
–
3
–
4
–
–
–
–
–
–
28
22
18
11
16
–
12
16
42
19
15
17
–
11
–
–
11
39
–
7
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The categories are based on the average wage for
each occupation surveyed, which may include workers
with earnings both above and below the threshold. The
average wages are based on the estimates published in
the "National Compensation Survey: Occupational
Earnings in the United States, 2010." 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/glossary20112012.htm.
Table 1. Standard errors for medical care benefits: Plan type, private industry workers, National
Compensation Survey, 2011
Fee-for-service plan
Characteristics
Total
All workers ...............................................................
Traditional
Preferred
provider
organization
Point of
service plan
Exclusive
provider
organization
Not
determinable
1.4
0.5
1.5
0.9
0.8
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
2.4
2.9
2.9
4.5
–
1.6
2.0
2.1
2.1
0.6
0.8
0.6
–
–
1.0
–
–
–
2.7
3.5
3.4
4.5
14.8
2.2
3.1
2.5
2.4
1.6
1.5
2.4
1.2
–
1.7
1.5
2.3
0.8
1.6
1.9
2.1
2.0
–
1.1
–
1.0
1.0
–
–
–
–
–
–
–
–
–
3.0
2.8
1.9
2.4
2.2
–
–
–
–
–
4.3
2.9
2.7
3.2
3.9
0.8
1.2
1.9
–
–
–
1.5
1.3
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
1.5
2.4
0.4
–
1.6
4.0
1.0
1.1
0.8
–
–
–
Union .......................................................................
Nonunion .................................................................
3.8
1.5
–
0.6
3.6
1.6
1.3
1.1
1.1
0.9
–
–
Average wage within the following categories:1
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
3.2
–
2.7
1.8
1.8
1.8
–
–
0.5
0.6
0.7
0.6
3.3
8.3
2.3
2.3
2.2
2.7
1.3
–
1.7
1.1
1.3
2.3
–
–
1.4
0.9
1.1
1.6
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
2.0
2.5
2.5
–
–
–
2.3
4.8
3.3
–
–
–
0.9
–
1.1
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.6
2.0
4.9
2.2
6.2
6.1
2.0
2.1
0.6
–
–
–
–
–
–
0.7
1.7
2.2
5.2
2.6
6.7
5.6
2.8
2.6
1.1
0.9
–
–
–
–
2.4
2.2
1.0
–
–
–
–
3.5
2.2
2.1
–
–
–
–
–
–
–
–
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 1. Standard errors for medical care benefits: Plan type, private industry
workers, National Compensation Survey, 2011—Continued
Health maintenance organization
Characteristics
Total
All workers ...............................................................
Traditional
Open
access
Not
determinable
1.4
1.3
0.7
–
Worker characteristic
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
2.4
2.9
2.9
4.5
–
1.6
2.0
2.1
2.1
2.0
2.6
2.0
4.5
–
1.6
1.8
2.0
2.1
1.6
1.1
–
–
–
0.7
–
0.7
–
–
–
–
–
–
–
–
–
–
3.0
2.8
1.9
2.4
2.2
2.9
2.8
1.8
2.1
2.1
–
–
0.9
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
1.5
2.4
1.4
2.3
0.7
–
–
–
Union .......................................................................
Nonunion .................................................................
3.8
1.5
3.9
1.4
0.4
0.8
–
–
Average wage within the following categories:1
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
3.2
–
2.7
1.8
1.8
1.8
3.0
–
2.3
1.7
1.6
1.6
–
–
–
0.6
0.8
1.0
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
2.0
2.5
2.5
1.9
2.5
2.5
1.0
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.6
2.0
4.9
2.2
6.2
6.1
2.0
2.1
1.4
1.9
4.5
2.0
4.8
–
1.8
1.7
0.8
0.6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 1. Standard errors for medical care benefits: Plan type, private industry workers, National
Compensation Survey, 2011—Continued
Fee-for-service plan
Characteristics
Total
Traditional
Preferred
provider
organization
Point of
service plan
Exclusive
provider
organization
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
2.2
4.3
4.9
5.9
4.0
6.1
3.0
4.6
–
–
1.2
–
–
–
–
–
–
–
4.1
4.6
5.8
7.3
3.3
6.1
4.0
4.0
7.8
3.4
1.8
–
–
3.2
2.6
1.9
3.7
–
2.2
–
2.5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
2.1
2.7
3.5
1.7
2.2
2.0
0.4
0.5
–
0.9
–
0.8
2.0
2.5
3.9
1.9
2.6
2.6
1.3
1.6
2.8
1.2
1.3
2.1
0.9
1.0
–
1.2
1.9
1.5
–
–
–
–
–
–
4.7
3.2
2.7
2.4
3.1
–
3.6
3.3
5.2
–
–
–
0.5
0.9
–
–
–
–
4.8
3.8
3.1
3.5
2.4
6.2
3.4
5.3
5.4
0.6
4.0
1.9
3.0
2.4
–
2.8
–
1.1
2.1
1.8
–
1.2
–
–
–
2.0
1.2
–
–
–
–
–
–
–
–
–
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 1. Standard errors for medical care benefits: Plan type, private industry
workers, National Compensation Survey, 2011—Continued
Health maintenance organization
Characteristics
Total
Traditional
Open
access
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
2.2
4.3
4.9
5.9
4.0
6.1
3.0
4.6
–
1.7
3.5
4.7
4.1
3.3
5.6
2.6
3.7
–
1.0
–
–
–
–
1.4
1.4
–
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
2.1
2.7
3.5
1.7
2.2
2.0
1.7
2.1
3.3
1.6
2.1
2.0
1.3
1.9
–
0.5
–
0.6
–
–
–
–
–
–
4.7
3.2
2.7
2.4
3.1
–
3.6
3.3
5.2
2.1
2.8
2.6
–
1.9
–
–
2.2
5.3
–
1.0
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The categories are based on the average wage for
each occupation surveyed, which may include workers
with earnings both above and below the threshold. The
average wages are based on the estimates published in
the "National Compensation Survey: Occupational
Earnings in the United States, 2010." 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/glossary20112012.htm.
Table 2. Medical care benefits: Plan characteristics, private industry workers, National Compensation Survey, 2011
(All workers participating in medical care plans = 100 percent)
Allow non-emergency services outside
network
Plan network
Require primary care physician
Characteristics
Yes
Not
determinable
No
Yes
Not
determinable
No
Yes
Not
determinable
No
97
3
–
74
26
–
34
66
(1)
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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
98
99
100
96
97
96
98
2
3
2
–
–
4
–
–
–
–
–
–
–
–
–
–
–
–
72
71
72
65
76
74
79
71
81
28
29
28
35
–
26
21
29
19
–
–
–
–
–
–
–
–
–
42
37
46
42
–
32
22
37
20
58
63
54
58
61
68
78
63
80
(1)
–
(1)
–
–
(1)
–
(1)
–
96
99
96
96
96
–
–
–
–
–
–
–
–
–
–
81
81
78
80
77
19
19
22
20
23
–
–
–
–
–
20
21
27
26
27
80
79
73
74
73
–
–
(1)
(1)
–
Full time ...................................................................
Part time ..................................................................
97
92
3
–
–
–
74
72
26
28
–
–
35
27
65
73
(1)
–
Union .......................................................................
Nonunion .................................................................
96
97
–
3
–
–
69
75
31
25
–
–
33
34
67
66
–
(1)
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
95
91
98
97
97
98
–
–
2
3
3
2
–
–
–
–
–
–
72
62
75
74
73
74
28
38
25
26
27
26
–
–
–
–
–
–
29
29
36
34
35
36
71
71
64
66
65
64
–
–
( )
1
( )
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
98
99
98
–
–
–
–
–
–
79
78
80
21
22
20
–
–
–
25
22
26
75
78
74
(1)
–
(1)
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
97
97
100
97
96
98
97
97
3
–
–
–
–
–
–
3
–
–
–
–
–
–
–
–
72
80
77
85
78
68
71
72
28
20
23
15
22
32
29
28
–
–
–
–
–
–
–
–
37
21
27
17
24
36
44
42
63
79
73
83
76
64
56
58
–
–
–
–
–
–
–
–
All workers ...............................................................
Worker characteristic
1
Establishment characteristic
See footnotes at end of table.
Table 2. Medical care benefits: Plan characteristics, private industry workers, National Compensation Survey,
2011—Continued
(All workers participating in medical care plans = 100 percent)
Allow non-emergency services outside
network
Plan network
Require primary care physician
Characteristics
Yes
Not
determinable
No
Yes
Not
determinable
No
Yes
Not
determinable
No
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
97
96
93
93
99
97
98
100
100
–
4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
73
74
66
72
70
60
73
72
75
27
26
34
28
30
40
27
28
–
–
–
–
–
–
–
–
–
–
47
28
30
29
61
52
45
63
26
53
72
70
71
39
48
55
37
74
–
–
–
–
–
–
–
–
–
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
2
2
–
4
–
3
–
–
–
–
–
–
75
74
75
73
74
72
25
26
25
27
26
28
–
–
–
–
–
–
34
35
32
34
28
41
66
65
68
66
72
59
–
–
–
1
( )
1
( )
–
93
97
99
98
96
99
97
94
98
–
–
–
2
4
–
–
–
–
–
–
–
–
–
–
–
–
–
65
72
75
84
80
83
83
75
54
35
28
25
16
20
17
17
25
46
–
–
–
–
–
–
–
–
–
38
41
29
27
31
22
27
26
52
62
59
71
73
69
78
73
74
48
–
–
( )
1
( )
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1
2
Less than 0.5.
The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are based
on the estimates published in the "National Compensation Survey: Occupational Earnings in the
United States, 2010." See Technical Note for more details.
1
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/glossary20112012.htm.
Table 2. Standard errors for medical care benefits: Plan characteristics, private industry workers, National Compensation
Survey, 2011
Allow non-emergency services outside
network
Plan network
Require primary care physician
Characteristics
Yes
Not
determinable
No
Yes
Not
determinable
No
Yes
Not
determinable
No
0.5
0.5
–
1.4
1.4
–
1.5
1.5
(1)
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
0.6
0.8
0.6
0.4
0.2
1.0
1.0
1.4
1.0
0.6
0.8
0.6
–
–
1.0
–
–
–
–
–
–
–
–
–
–
–
–
2.4
3.2
2.7
4.3
12.5
1.8
2.5
2.1
2.4
2.4
3.2
2.7
4.3
–
1.8
2.5
2.1
2.4
–
–
–
–
–
–
–
–
–
2.7
3.5
3.5
4.6
–
2.4
3.0
2.9
2.3
2.7
3.5
3.5
4.6
14.9
2.4
3.0
2.9
2.3
(1)
–
(1)
–
–
0.1
–
0.1
–
2.3
0.5
1.4
1.7
2.4
–
–
–
–
–
–
–
–
–
–
4.1
2.8
2.5
2.8
3.6
4.1
2.8
2.5
2.8
3.6
–
–
–
–
–
4.0
2.7
2.5
3.1
3.4
4.0
2.7
2.5
3.1
3.4
–
–
( )
1
( )
–
Full time ...................................................................
Part time ..................................................................
0.4
4.0
0.4
–
–
–
1.5
4.3
1.5
4.3
–
–
1.6
3.2
1.6
3.2
(1)
–
Union .......................................................................
Nonunion .................................................................
1.4
0.6
–
0.6
–
–
3.7
1.5
3.7
1.5
–
–
4.0
1.7
4.0
1.7
–
(1)
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.1
5.1
0.5
0.6
0.7
0.6
–
–
0.5
0.6
0.7
0.6
–
–
–
–
–
–
3.5
8.3
2.7
2.0
1.9
2.1
3.5
8.3
2.7
2.0
1.9
2.1
–
–
–
–
–
–
3.3
8.2
2.4
2.1
2.3
2.9
3.3
8.2
2.4
2.1
2.3
2.9
–
–
0.1
(1)
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
0.9
0.7
0.6
–
–
–
–
–
–
1.9
4.4
2.8
1.9
4.4
2.8
–
–
–
2.3
4.7
3.2
2.3
4.7
3.2
0.1
–
0.1
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
0.6
1.0
0.3
1.0
3.3
1.5
1.2
0.7
0.6
–
–
–
–
–
–
0.7
–
–
–
–
–
–
–
–
1.7
1.9
4.6
2.1
5.4
6.0
2.6
1.8
1.7
1.9
4.6
2.1
5.4
6.0
2.6
1.8
–
–
–
–
–
–
–
–
1.7
2.3
4.8
2.5
5.9
6.1
2.8
2.8
1.7
2.3
4.8
2.5
5.9
6.1
2.8
2.8
–
–
–
–
–
–
–
–
All workers ...............................................................
Worker characteristic
1
Establishment characteristic
See footnotes at end of table.
Table 2. Standard errors for medical care benefits: Plan characteristics, private industry workers, National Compensation
Survey, 2011—Continued
Allow non-emergency services outside
network
Plan network
Require primary care physician
Characteristics
Yes
Not
determinable
No
Yes
Not
determinable
No
Yes
Not
determinable
No
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
0.9
1.2
2.4
2.7
0.4
1.7
1.1
0.2
(1)
–
1.2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2.4
3.7
4.7
4.6
3.9
6.0
2.8
4.5
7.5
2.4
3.7
4.7
4.6
3.9
6.0
2.8
4.5
–
–
–
–
–
–
–
–
–
–
4.6
4.7
5.7
6.4
3.4
5.9
3.8
4.0
7.2
4.6
4.7
5.7
6.4
3.4
5.9
3.8
4.0
7.2
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
0.4
0.5
1.0
0.9
1.4
0.8
0.4
0.5
–
0.9
–
0.8
–
–
–
–
–
–
1.8
2.0
3.7
1.9
2.9
2.4
1.8
2.0
3.7
1.9
2.9
2.4
–
–
–
–
–
–
2.1
2.6
4.1
2.0
2.5
2.9
2.1
2.6
4.1
2.0
2.5
2.9
–
–
–
1
( )
0.1
–
4.3
1.1
0.4
0.5
0.9
0.8
2.0
4.0
0.8
–
–
–
0.5
0.9
–
–
–
–
–
–
–
–
–
–
–
–
–
5.1
2.6
3.5
4.0
2.4
4.7
2.4
4.9
5.7
5.1
2.6
3.5
4.0
2.4
4.7
2.4
4.9
5.7
–
–
–
–
–
–
–
–
–
4.6
4.6
3.3
3.9
2.3
6.2
3.9
4.4
5.4
4.6
4.6
3.3
3.8
2.3
6.2
3.9
4.4
5.4
–
–
0.1
0.1
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1
2
Less than 0.05.
The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are based
on the estimates published in the "National Compensation Survey: Occupational Earnings in the
United States, 2010." 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/glossary20112012.htm.
Table 3. Medical care benefits: Amount of lifetime maximum, private industry workers, National Compensation Survey,
2011
(All workers participating in medical care plans = 100 percent)
Amount of lifetime maximum
Characteristics
All workers ...............................................................
With
lifetime
Total
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Unlimited
Other
maximum
Not
determinable
100
31 $1,000,000 $1,000,000 $2,000,000 $5,000,000 $5,000,000
63
–
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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
27
26
27
32
–
29
29
29
38
1,000,000
1,000,000
1,000,000
–
–
1,000,000
–
1,000,000
1,000,000
2,000,000
2,000,000
–
1,000,000
–
–
–
–
–
2,000,000
2,000,000
–
–
–
2,000,000
2,000,000
2,000,000
–
5,000,000
5,000,000
5,000,000
–
–
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
–
5,000,000
5,000,000
5,000,000
5,000,000
69
70
69
62
71
64
64
64
55
–
–
–
–
–
–
–
–
–
–
–
–
6
(1)
–
–
–
–
100
100
100
100
100
40
36
37
38
37
1,000,000
1,000,000
1,000,000
1,000,000
–
1,000,000
–
1,000,000
1,000,000
1,000,000
2,000,000
5,000,000
2,000,000
–
2,000,000
–
5,000,000
5,000,000
5,000,000
–
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
50
58
55
52
59
–
–
–
–
–
–
6
–
10
–
Full time ...................................................................
Part time ..................................................................
100
100
31
32
1,000,000
400,000
–
–
2,000,000
–
5,000,000
2,000,000
5,000,000
–
63
60
–
–
–
–
Union .......................................................................
Nonunion .................................................................
100
100
34
30
–
1,000,000
1,000,000
–
1,000,000
2,000,000
2,000,000
5,000,000
5,000,000
5,000,000
59
64
–
–
–
–
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
100
36
31
29
33
28
23
–
400,000
1,000,000
1,000,000
1,000,000
1,000,000
1,000,000
1,000,000
–
1,000,000
–
2,000,000
2,000,000
1,000,000
2,000,000
2,000,000
2,000,000
–
5,000,000
2,000,000
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
2,000,000
5,000,000
5,000,000
5,000,000
5,000,000
55
54
63
61
67
73
–
–
–
–
–
–
–
16
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
–
100
37
39
36
1,000,000
1,000,000
1,000,000
1,000,000
1,000,000
–
2,000,000
2,000,000
–
5,000,000
–
5,000,000
5,000,000
5,000,000
5,000,000
55
51
57
–
–
–
–
–
7
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
–
100
100
29
35
46
32
25
–
24
20
1,000,000
–
1,000,000
400,000
2,000,000
–
1,000,000
2,000,000
1,000,000
1,000,000
–
1,000,000
2,000,000
–
–
2,000,000
2,000,000
2,000,000
5,000,000
2,000,000
2,000,000
–
–
–
5,000,000
5,000,000
5,000,000
–
2,000,000
–
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
2,000,000
–
5,000,000
5,000,000
65
59
53
60
67
80
68
70
–
–
–
–
–
–
–
–
–
–
1
–
8
6
–
–
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 3. Medical care benefits: Amount of lifetime maximum, private industry workers, National Compensation Survey,
2011—Continued
(All workers participating in medical care plans = 100 percent)
Amount of lifetime maximum
Characteristics
With
lifetime
Total
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Unlimited
Other
maximum
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
100
–
100
100
100
–
100
100
100
17 $2,000,000 $2,000,000 $5,000,000 $5,000,000 $5,000,000
27 2,000,000 2,000,000 2,000,000
– 5,000,000
28 1,000,000
–
– 5,000,000 5,000,000
35
– 2,000,000
– 5,000,000 5,000,000
26 1,000,000
– 2,000,000 5,000,000 5,000,000
22 1,000,000
– 2,000,000
– 5,000,000
24 1,000,000
– 2,000,000
– 5,000,000
27 1,000,000
– 2,000,000 5,000,000 5,000,000
34
– 1,000,000
–
– 5,000,000
71
69
68
62
68
77
74
66
58
–
–
–
–
–
–
–
–
–
12
–
–
3
–
1
1
–
8
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
31
33
26
31
35
26
1,000,000
1,000,000
1,000,000
1,000,000
–
1,000,000
–
2,000,000
–
1,000,000
1,000,000
1,000,000
–
–
2,000,000
2,000,000
2,000,000
2,000,000
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
–
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
63
60
68
63
58
70
–
–
–
–
–
–
–
–
–
–
–
–
–
100
100
100
100
100
100
100
100
19
19
39
28
32
44
39
34
26
2,000,000
–
1,000,000
1,000,000
1,000,000
1,000,000
1,000,000
–
1,000,000
2,000,000
1,000,000
2,000,000
2,000,000
1,000,000
–
–
1,000,000
–
2,000,000
–
–
–
2,000,000
2,000,000
–
2,000,000
2,000,000
2,500,000
–
5,000,000
5,000,000
–
–
5,000,000
–
5,000,000
–
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
73
79
56
65
65
51
47
57
66
–
–
–
–
–
–
–
–
–
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 Less than 0.5.
2 The categories are based on the average wage for each occupation surveyed, which
may include workers with earnings both above and below the threshold. The average wages
are based on the estimates published in the "National Compensation Survey: Occupational
Earnings in the United States, 2010." 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/glossary20112012.htm.
Table 3. Standard errors for medical care benefits: Amount of lifetime maximum, private industry workers, National
Compensation Survey, 2011
Amount of lifetime maximum
Characteristics
All workers ...............................................................
With
lifetime
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Unlimited
Other
maximum
Not
determinable
1.3
$0
$0
$0
$0
$0
1.5
–
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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
2.7
2.6
4.3
–
2.3
3.1
2.9
4.5
0
98,107
0
–
–
0
–
0
0
0
0
–
0
–
–
–
–
–
138,744
0
–
–
–
0
480,625
0
–
0
0
0
–
–
0
0
0
0
0
0
0
0
–
0
0
0
0
2.3
2.6
2.9
4.1
16.4
2.9
3.8
3.3
4.6
–
–
–
–
–
–
–
–
–
–
–
–
1.9
0.5
–
–
–
–
6.6
6.1
3.0
3.6
4.5
0
0
254,890
235,253
–
0
–
0
224,792
0
0
1,038,268
0
–
277,489
–
0
0
0
–
0
0
0
0
0
6.7
6.0
3.0
3.7
4.5
–
–
–
–
–
–
2.3
–
2.9
–
Full time ...................................................................
Part time ..................................................................
1.4
4.4
0
0
–
–
0
–
0
0
0
–
1.5
4.3
–
–
–
–
Union .......................................................................
Nonunion .................................................................
3.8
1.5
–
0
98,107
–
240,312
98,107
98,107
0
679,706
0
3.8
1.7
–
–
–
–
Average wage within the following categories:1
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
4.1
7.4
2.1
2.2
1.7
2.4
–
118,137
0
0
0
0
0
138,744
–
69,372
–
0
0
0
0
0
98,107
–
1,139,901
196,214
0
0
0
0
0
0
0
0
0
0
4.6
7.1
2.2
2.0
1.8
2.4
–
–
–
–
–
–
–
5.5
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
3.4
5.8
4.1
49,054
69,372
183,542
0
196,214
–
0
0
–
0
–
0
0
0
0
3.4
5.8
4.0
–
–
–
–
–
2.0
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.6
2.8
6.2
3.7
6.6
–
4.0
2.7
0
–
0
19,621
379,967
–
0
0
259,567
0
–
219,374
0
–
–
0
0
0
0
219,374
0
–
–
–
0
0
0
–
0
–
0
0
0
0
0
0
0
–
0
0
1.8
2.6
6.1
3.7
6.7
5.2
4.1
3.2
–
–
–
–
–
–
–
–
–
–
1.3
–
4.9
2.4
–
–
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 3. Standard errors for medical care benefits: Amount of lifetime maximum, private industry workers, National
Compensation Survey, 2011—Continued
Amount of lifetime maximum
Characteristics
With
lifetime
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Unlimited
Other
maximum
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
2.7
5.3
4.1
5.6
2.6
3.8
4.0
3.2
9.6
$0
0
0
–
0
0
0
0
–
$392,428
0
–
325,384
–
–
–
–
219,374
$0
196,214
–
–
0
0
0
196,214
–
$0
–
0
0
196,214
–
–
0
–
$0
0
0
0
0
0
0
0
707,460
3.7
5.5
4.9
5.9
3.3
3.9
4.0
4.1
9.5
–
–
–
–
–
–
–
–
–
3.2
–
–
1.6
–
0.2
0.4
–
3.7
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
2.2
2.7
3.8
2.0
2.8
2.3
0
0
0
162,692
–
0
–
519,134
–
0
49,054
0
–
–
588,643
0
0
0
0
0
0
1,359,412
0
–
0
0
0
0
0
0
2.3
2.7
4.2
2.2
3.0
2.3
–
–
–
–
–
–
–
–
–
–
–
–
4.1
3.0
3.2
6.0
2.3
6.6
4.4
4.4
4.4
310,242
–
0
0
245,268
0
0
–
0
0
0
554,977
0
0
–
–
0
–
0
–
–
–
0
0
–
259,567
98,107
325,384
–
0
0
–
–
0
–
0
–
0
0
0
0
0
0
0
0
9.2
3.4
3.3
5.0
2.4
6.9
5.0
6.5
4.2
–
–
–
–
–
–
–
–
–
5.8
0.7
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The categories are based on the average wage for each occupation surveyed, which
may include workers with earnings both above and below the threshold. The average
wages are based on the estimates published in the "National Compensation Survey:
Occupational Earnings in the United States, 2010." 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/glossary20112012.htm.
Table 4. Medical care benefits: High deductible 1 and non-high
deductible health plans,2 private industry workers, National
Compensation Survey, 2011
(All workers participating in medical care plans = 100 percent)
Characteristics
All workers ...............................................................
High
deductible
health plans
Non-high
deductible health
plans
21
77
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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
21
23
12
–
24
26
24
22
77
79
76
87
86
73
73
74
77
–
25
20
23
16
82
74
79
75
84
Full time ...................................................................
Part time ..................................................................
22
9
76
91
Union .......................................................................
Nonunion .................................................................
6
24
92
75
Average wage within the following categories:3
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
19
–
25
23
18
16
79
85
74
76
80
82
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
23
26
23
75
73
75
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
21
23
40
20
–
20
23
24
78
76
59
80
80
77
75
75
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 4. Medical care benefits: High deductible 1 and non-high
deductible health plans,2 private industry workers, National
Compensation Survey, 2011—Continued
(All workers participating in medical care plans = 100 percent)
High
deductible
health plans
Characteristics
Non-high
deductible health
plans
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
23
34
21
–
22
–
–
24
–
77
65
79
75
77
85
90
75
93
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
31
32
30
13
14
12
68
68
69
85
83
87
28
14
22
25
28
17
22
20
16
72
85
76
75
69
83
78
79
82
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 A high deductible health plan (HDHP) is
a health plan which typically has a higher
deductible and lower premium than a
traditional health plan. An individual plan must
have a minimum deductible of $1,200 to be
classified as a HDHP. Normally the plan
includes catastrophic coverage to protect
against large medical expenses, but the
insured is responsible for routine out-of-pocket
expenses.
2 The sum of the columns may not equal
100 since only plans with fixed, variable, or no
deductibles are included. Plans with other
deductible formulas are not included.
3 The categories are based on the average
wage for each occupation surveyed, which
may include workers with earnings both above
and below the threshold. The average wages
are based on the estimates published in the
"National Compensation Survey: Occupational
Earnings in the United States, 2010." 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/glossary20112012.htm.
Table 4. Standard errors for medical care benefits: High
deductible 1 and non-high deductible health plans, private
industry workers, National Compensation Survey, 2011
Characteristics
All workers ...............................................................
High
deductible
health plans
Non-high
deductible health
plans
1.5
1.6
Worker characteristic
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
2.3
1.6
3.6
2.2
–
2.3
3.5
2.4
3.5
2.2
1.5
3.5
2.1
9.7
2.3
3.5
2.6
3.5
–
4.4
2.7
3.7
3.1
5.1
4.5
2.7
3.7
3.1
Full time ...................................................................
Part time ..................................................................
1.6
2.0
1.6
2.0
Union .......................................................................
Nonunion .................................................................
1.4
1.7
1.8
1.7
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.7
–
3.9
2.1
1.4
2.3
2.9
4.1
3.8
2.3
1.4
2.4
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
2.6
3.7
3.4
2.7
3.7
3.4
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.8
2.4
4.9
3.3
–
4.7
2.1
1.9
1.8
2.4
4.8
3.4
6.9
5.1
2.5
2.0
Establishment characteristic
See footnotes at end of table.
Table 4. Standard errors for medical care benefits: High
deductible 1 and non-high deductible health plans, private
industry workers, National Compensation Survey,
2011—Continued
High
deductible
health plans
Characteristics
Non-high
deductible health
plans
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
2.7
3.5
3.5
–
5.5
–
–
6.5
–
2.7
3.5
3.5
4.7
5.5
6.4
3.4
6.5
2.5
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
2.9
3.4
4.7
1.2
1.9
1.4
2.9
3.4
4.7
1.3
2.0
1.4
7.7
1.7
3.2
5.6
5.2
3.8
3.0
5.7
3.0
7.7
1.8
3.3
5.6
5.1
3.9
3.0
5.8
3.4
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 A high deductible health plan (HDHP) is
a health plan which typically has a higher
deductible and lower premium than a
traditional health plan. An individual plan must
have a minimum deductible of $1,200 to be
classified as a HDHP. Normally the plan
includes catastrophic coverage to protect
against large medical expenses, but the
insured is responsible for routine out-of-pocket
expenses.
2 The categories are based on the average
wage for each occupation surveyed, which
may include workers with earnings both above
and below the threshold. The average wages
are based on the estimates published in the
"National Compensation Survey: Occupational
Earnings in the United States, 2010." 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/glossary20112012.htm.
Table 5. Non-high deductible health plans: Amount of annual individual deductible, private industry workers, National
Compensation Survey, 2011
(All workers participating in non-high deductible health plans = 100 percent)
Amount of annual deductible
Characteristics
All workers ...............................................................
Total
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
100
76
$200
$250
$400
$750
$1,000
24
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
72
72
72
68
80
90
75
83
200
200
–
200
200
200
200
200
250
250
250
250
300
300
300
200
400
400
400
400
500
400
500
–
600
700
500
800
750
–
750
–
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
28
28
28
32
20
10
25
17
100
100
100
100
100
87
80
81
78
84
150
200
–
200
–
200
300
250
300
200
250
500
–
–
–
500
1,000
750
900
750
–
1,000
1,000
1,000
1,000
13
20
19
22
16
Full time ...................................................................
Part time ..................................................................
100
100
76
84
200
100
250
200
500
300
750
500
1,000
1,000
24
16
Union .......................................................................
Nonunion .................................................................
100
100
67
78
100
200
200
275
250
500
400
750
750
1,000
33
22
Average wage within the following categories:1
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
81
78
76
74
73
150
200
200
200
200
250
300
250
250
250
400
500
500
350
350
800
750
750
500
500
1,000
1,000
1,000
1,000
1,000
19
22
24
26
27
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
77
81
75
200
150
200
250
200
300
–
275
500
750
500
1,000
1,000
1,000
1,000
23
19
25
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
100
76
86
72
91
78
61
67
67
200
200
200
200
–
150
250
250
250
250
250
300
165
250
350
350
400
350
–
400
–
450
500
500
750
–
500
750
600
500
750
750
1,000
1,000
1,000
1,000
1,000
–
1,000
1,000
24
14
28
9
22
39
33
33
Establishment characteristic
See footnotes at end of table.
Table 5. Non-high deductible health plans: Amount of annual individual deductible, private industry workers, National
Compensation Survey, 2011—Continued
(All workers participating in non-high deductible health plans = 100 percent)
Amount of annual deductible
Characteristics
Total
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
100
100
100
100
100
100
100
100
70
69
79
81
69
69
71
69
$250
300
–
–
–
–
200
–
–
$400
250
250
250
250
250
250
$500
500
400
–
–
400
350
–
–
$750
750
–
–
500
500
–
$1,000
1,000
1,000
1,000
1,000
500
–
1,000
30
31
21
19
31
31
29
31
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
78
78
77
76
79
72
200
200
200
–
200
–
250
300
250
250
300
250
500
500
500
350
400
300
1,000
1,000
900
500
–
500
1,000
1,000
1,000
1,000
1,000
1,000
22
22
23
24
21
28
100
100
100
100
100
100
100
100
69
72
78
85
89
86
82
52
–
–
200
250
200
–
–
150
275
250
250
400
250
300
250
250
500
350
500
–
350
500
350
300
–
500
750
1,000
–
–
–
500
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
31
28
22
15
11
14
18
48
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The categories are based on the average wage for each occupation surveyed, which
may include workers with earnings both above and below the threshold. The average wages
are based on the estimates published in the "National Compensation Survey: Occupational
Earnings in the United States, 2010." 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/glossary20112012.htm.
Table 5. Standard errors for non-high deductible health plans: Amount of annual individual deductible, private
industry workers, National Compensation Survey, 2011
Amount of annual deductible
Characteristics
All workers ...............................................................
With
deductible
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
With no
deductible
90th
percentile
1.6
$0
$0
$88
$97
$0
1.6
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 ....................
2.3
3.6
2.4
4.9
2.0
1.8
2.6
2.5
23
10
–
14
0
10
48
53
0
33
0
31
36
31
58
57
40
118
29
57
122
101
55
–
113
150
118
172
133
–
87
–
0
0
0
0
0
0
0
0
2.3
3.6
2.4
4.9
2.0
1.8
2.6
2.5
3.5
3.6
2.6
3.5
2.7
14
27
–
14
–
0
45
0
57
57
46
49
–
–
–
128
0
84
193
198
–
0
0
0
0
3.5
3.6
2.6
3.5
2.7
Full time ...................................................................
Part time ..................................................................
1.7
2.4
0
22
0
0
88
64
33
48
0
127
1.7
2.4
Union .......................................................................
Nonunion .................................................................
3.9
1.6
30
0
0
47
48
0
102
37
167
0
3.9
1.6
Average wage within the following categories:1
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
3.7
2.6
2.2
2.0
2.4
37
10
0
54
40
40
16
16
0
0
74
0
22
47
60
181
169
77
63
48
0
0
0
0
0
3.7
2.6
2.2
2.0
2.4
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
2.2
4.8
3.4
0
14
57
5
0
25
–
55
10
142
0
140
0
208
0
2.2
4.8
3.4
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.8
1.9
5.6
2.0
6.0
6.7
3.6
2.8
20
7
0
10
–
34
14
0
0
0
20
64
40
20
72
52
67
62
–
84
–
129
0
0
140
–
49
170
179
0
125
51
0
0
278
0
49
–
0
0
1.8
1.9
5.6
2.0
6.0
6.7
3.6
2.8
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 5. Standard errors for non-high deductible health plans: Amount of annual individual deductible, private
industry workers, National Compensation Survey, 2011—Continued
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
3.6
5.6
5.2
4.4
3.5
5.1
3.4
4.1
$38
14
–
–
–
–
0
–
–
$0
17
61
0
0
0
0
$0
34
99
–
–
117
83
–
–
$158
210
–
–
0
0
–
$14
0
0
0
0
53
–
0
3.6
5.6
5.2
4.4
3.5
5.1
3.4
4.1
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
2.1
2.6
4.4
1.9
2.9
2.5
0
0
0
–
0
–
47
25
10
0
67
59
0
0
108
14
64
40
59
0
184
35
–
0
0
0
0
0
0
26
2.1
2.6
4.4
1.9
2.9
2.5
3.0
3.5
3.6
3.3
1.9
3.3
4.1
5.2
–
–
0
47
22
–
–
29
25
71
10
113
0
46
59
60
94
31
47
–
90
0
42
0
–
0
132
91
–
–
–
0
0
0
0
0
0
0
0
17
3.0
3.5
3.6
3.3
1.9
3.3
4.1
5.2
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The categories are based on the average wage for each occupation surveyed,
which may include workers with earnings both above and below the threshold. The
average wages are based on the estimates published in the "National Compensation
Survey: Occupational Earnings in the United States, 2010." 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/glossary20112012.htm.
Table 6. Fee-for-service plans: Summary of selected features, private industry workers, National Compensation Survey, 2011
(All workers participating in fee-for-service plans = 100 percent)
Annual deductible
Characteristics
Yes
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
93
7
(1)
78
22
–
85
13
2
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
92
92
92
93
87
94
97
92
94
8
8
7
7
–
6
–
7
6
(1)
(1)
(1)
(1)
–
(1)
–
(1)
1
77
77
76
82
71
84
86
83
73
23
23
24
18
–
16
14
17
27
–
–
–
–
–
–
–
–
–
86
89
84
82
84
87
90
85
90
14
11
16
12
–
12
–
14
9
(1)
(1)
(1)
5
–
2
–
2
1
95
93
94
92
97
–
7
6
8
–
–
(1)
–
–
–
61
80
75
71
80
39
20
25
29
20
–
–
–
–
–
86
93
82
80
84
–
–
16
17
15
–
–
2
3
(1)
Full time ...................................................................
Part time ..................................................................
93
96
7
–
(1)
–
78
83
22
17
–
–
86
82
13
17
2
2
Union .......................................................................
Nonunion .................................................................
87
94
13
6
(1)
(1)
73
79
27
21
–
–
78
86
19
12
3
1
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
98
98
95
93
91
90
–
–
5
7
9
10
–
–
( )
1
( )
(1)
(1)
86
81
81
79
74
74
–
–
19
21
26
26
–
–
–
–
–
–
84
84
86
86
85
85
–
–
12
13
15
15
–
–
2
1
1
1
( )
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
92
93
92
8
–
8
(1)
–
–
71
65
73
29
35
27
–
–
–
86
90
84
12
–
14
2
–
2
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
94
98
95
100
100
80
86
85
6
–
–
–
–
16
14
15
(1)
–
–
–
–
4
–
–
81
85
66
92
81
79
77
79
19
15
34
8
19
21
23
21
–
–
–
–
–
–
–
–
85
88
80
92
92
85
77
76
13
10
–
6
–
–
23
24
1
2
–
2
–
–
1
( )
1
( )
All workers ...............................................................
Worker characteristic
1
Establishment characteristic
See footnotes at end of table.
Table 6. Fee-for-service plans: Summary of selected features, private industry workers, National Compensation Survey,
2011—Continued
(All workers participating in fee-for-service plans = 100 percent)
Annual deductible
Characteristics
Yes
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
84
93
93
95
92
94
93
92
100
16
–
–
–
8
–
6
8
–
–
–
–
–
1
( )
–
(1)
1
( )
–
78
88
72
67
80
58
70
85
97
22
12
28
33
20
42
30
15
–
–
–
–
–
–
–
–
–
–
74
91
85
82
84
77
82
85
89
26
–
15
–
16
23
18
14
–
–
–
–
–
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 ............................................
95
96
94
92
94
88
4
4
6
8
5
11
(1)
(1)
–
(1)
1
(1)
74
75
72
82
82
82
26
25
28
18
18
18
–
–
–
–
–
–
84
83
85
87
89
84
15
15
14
12
9
15
2
2
( )
2
2
1
89
84
96
97
97
97
94
92
92
11
16
–
3
–
–
–
–
8
–
(1)
–
(1)
–
–
–
–
1
( )
70
65
82
83
79
80
79
80
87
–
35
18
17
21
–
21
–
13
–
–
–
–
–
–
–
–
–
82
65
88
94
89
95
89
80
91
18
35
11
–
10
–
–
–
–
(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 ......................................................................
1
2
Less than 0.5.
The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are based
on the estimates published in the "National Compensation Survey: Occupational Earnings in the
United States, 2010." 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/glossary20112012.htm.
Table 6. Standard errors for fee-for-service plans: Summary of selected features, private industry workers, National
Compensation Survey, 2011
Annual deductible
Characteristics
Yes
All workers ...............................................................
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
0.6
0.6
0.1
1.6
1.6
–
1.3
1.2
0.5
Worker characteristic
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
1.1
2.0
1.2
1.6
9.6
0.9
1.0
1.2
1.1
1.1
2.0
1.2
1.5
–
0.9
–
1.2
1.0
0.2
(1)
0.3
0.4
–
0.1
–
0.1
0.2
2.7
3.3
3.6
3.5
11.5
2.0
3.0
2.3
4.9
2.7
3.3
3.6
3.5
–
2.0
3.0
2.3
4.9
–
–
–
–
–
–
–
–
–
1.9
1.9
2.9
3.8
10.4
2.0
2.7
2.3
2.1
1.9
1.9
3.0
2.3
–
1.9
–
2.2
2.1
0.1
0.1
0.1
3.3
–
0.7
–
0.9
0.4
2.3
1.6
1.3
1.9
1.2
–
1.6
1.3
1.9
–
–
0.2
–
–
–
8.9
3.9
2.9
3.8
4.3
8.9
3.9
2.9
3.8
4.3
–
–
–
–
–
5.6
2.1
2.8
3.8
4.0
–
–
2.4
3.0
4.0
–
–
1.7
3.0
0.1
Full time ...................................................................
Part time ..................................................................
0.7
1.3
0.7
–
0.1
–
1.6
4.7
1.6
4.7
–
–
1.3
4.7
1.2
4.7
0.6
0.9
Union .......................................................................
Nonunion .................................................................
2.4
0.6
2.4
0.6
0.2
0.1
3.7
1.7
3.7
1.7
–
–
3.1
1.3
3.0
1.2
1.2
0.6
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
0.6
1.1
1.1
0.9
1.2
1.8
–
–
1.1
0.9
1.1
1.7
–
–
( )
0.1
0.2
0.4
5.2
8.8
2.4
2.4
1.8
2.0
–
–
2.4
2.4
1.8
2.0
–
–
–
–
–
–
4.7
6.8
2.2
1.8
1.8
2.9
–
–
1.9
1.8
1.8
2.9
–
–
1.2
0.5
0.2
0.1
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1.4
4.7
1.6
1.3
–
1.6
0.1
–
–
3.5
7.8
3.7
3.5
7.8
3.7
–
–
–
2.4
5.1
3.2
2.1
–
2.8
1.4
–
1.9
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
0.9
0.7
3.0
0.2
0.2
5.2
2.8
2.8
0.8
–
–
–
–
4.4
2.8
2.8
0.1
–
–
–
–
3.0
–
–
1.8
2.0
6.3
1.8
5.7
4.7
2.3
2.9
1.8
2.0
6.3
1.8
5.7
4.7
2.3
2.9
–
–
–
–
–
–
–
–
1.5
1.8
6.0
2.1
4.5
4.8
3.9
5.3
1.4
1.7
–
1.8
–
–
3.9
5.3
0.6
0.8
–
0.9
–
–
(1)
(1)
1
Establishment characteristic
See footnotes at end of table.
Table 6. Standard errors for fee-for-service plans: Summary of selected features, private industry workers, National
Compensation Survey, 2011—Continued
Annual deductible
Characteristics
Yes
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
2.4
2.9
2.4
2.6
1.7
2.0
1.7
2.1
0.1
2.4
–
–
–
1.7
–
1.6
2.1
–
–
–
–
–
0.2
–
0.3
0.3
–
3.3
3.4
4.7
7.4
4.0
7.4
3.9
3.9
1.5
3.3
3.4
4.7
7.4
4.0
7.4
3.9
3.9
–
–
–
–
–
–
–
–
–
–
4.2
3.1
4.4
7.0
2.9
4.8
3.4
3.0
7.3
4.2
–
4.4
–
2.9
4.8
3.4
3.0
–
–
–
–
–
0.4
–
–
0.5
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
0.7
0.7
1.6
1.0
1.1
1.6
0.7
0.7
1.6
1.0
1.1
1.6
(1)
(1)
–
0.2
0.3
0.1
2.7
2.9
5.1
1.9
2.7
2.1
2.7
2.9
5.1
1.9
2.7
2.1
–
–
–
–
–
–
2.2
2.8
3.9
1.5
2.2
1.8
1.9
2.4
3.9
1.4
1.9
1.8
0.9
1.3
0.1
0.7
1.2
0.1
1.7
2.5
1.4
0.6
0.9
1.6
2.5
2.9
1.8
1.7
2.6
–
0.6
–
–
–
–
1.7
–
0.1
–
0.1
–
–
–
–
0.1
12.1
3.7
3.3
4.8
3.7
7.7
4.7
6.0
2.1
–
3.7
3.3
4.8
3.7
–
4.7
–
2.1
–
–
–
–
–
–
–
–
–
4.3
4.1
2.1
3.7
2.6
2.4
4.3
8.3
2.3
4.2
4.3
2.1
–
2.6
–
–
–
–
0.5
0.3
0.2
–
0.5
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1
2
Less than 0.05.
The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are based
on the estimates published in the "National Compensation Survey: Occupational Earnings in the
United States, 2010." 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/glossary20112012.htm.
Table 7. Fee-for-service plans: Type and amount of annual individual deductible, private industry workers, National Compensation Survey, 2011
(All workers participating in fee-for-service plans = 100 percent)
With deductible
With fixed deductible
Characteristics
All workers ...............................................................
Total
Total with
deductible
Total with
fixed
deductible
With variable deductible
Median
deductible
amount
Total with
variable
deductible
Median deductible amount
In-network
Out-ofnetwork
Other
deductible
With no
deductible
Not
determinable
Point-ofservice
100
93
–
–
57
$750
$1,200
–
–
7
(1)
Worker characteristic
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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
92
92
92
93
87
94
97
92
94
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
60
55
64
62
80
54
56
52
50
–
–
–
–
1,000
750
750
750
1,000
1,250
–
–
1,050
1,200
1,500
1,500
1,200
–
$250
–
250
–
–
–
500
–
–
–
–
–
–
–
–
–
–
–
8
8
7
7
–
6
–
7
6
(1)
(1)
(1)
(1)
–
(1)
–
(1)
1
100
100
100
100
100
95
93
94
92
97
55
–
–
–
34
–
–
–
–
–
–
56
61
59
63
–
1,000
500
1,000
500
–
2,000
1,200
1,500
1,000
–
1,000
–
1,000
500
–
–
–
–
–
–
7
6
8
–
–
(1)
–
–
–
Full time ...................................................................
Part time ..................................................................
100
100
93
96
–
–
–
–
58
49
750
500
–
1,000
–
300
–
–
7
–
(1)
–
Union .......................................................................
Nonunion .................................................................
100
100
87
94
–
–
–
–
45
59
400
750
–
1,500
–
–
–
–
13
6
(1)
(1)
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
100
98
98
95
93
91
90
–
54
–
–
–
–
–
$200
–
–
–
–
59
44
58
59
55
54
800
–
950
–
500
500
1,200
1,000
1,500
1,500
1,000
1,000
–
–
500
–
250
250
–
–
–
–
–
–
–
–
5
7
9
10
–
–
(1)
(1)
(1)
(1)
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
92
93
92
–
57
–
–
–
–
53
36
59
750
–
–
1,500
1,500
–
1,000
–
–
–
–
–
8
–
8
(1)
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
100
94
98
95
100
100
80
86
85
–
–
34
–
–
21
–
–
–
–
–
–
–
–
–
–
59
61
61
58
53
59
58
59
–
750
1,500
950
–
500
–
–
1,200
1,500
3,000
1,500
660
–
1,500
1,000
–
–
–
–
–
–
–
750
–
–
–
–
–
–
–
–
6
–
–
–
–
16
14
15
(1)
–
–
–
–
4
–
–
Establishment characteristic
See footnotes at end of table.
Table 7. Fee-for-service plans: Type and amount of annual individual deductible, private industry workers, National Compensation Survey,
2011—Continued
(All workers participating in fee-for-service plans = 100 percent)
With deductible
With fixed deductible
Characteristics
Total
Total with
deductible
Total with
fixed
deductible
With variable deductible
Median
deductible
amount
Total with
variable
deductible
Median deductible amount
In-network
Out-ofnetwork
Other
deductible
With no
deductible
Not
determinable
Point-ofservice
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
100
100
100
100
100
100
100
100
100
84
93
93
95
92
94
93
92
100
–
–
–
–
–
–
–
–
30
–
–
–
–
–
–
–
–
$250
56
63
48
55
63
71
74
61
70
–
–
–
–
–
$500
500
–
–
–
$2,000
–
–
–
1,000
–
–
1,000
$950
–
–
–
250
–
250
250
–
–
–
–
–
–
–
–
–
–
16
–
–
–
8
–
6
8
–
–
–
–
–
1
( )
–
(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
95
96
94
92
94
88
–
–
–
–
–
–
–
–
–
–
–
–
57
60
50
58
57
59
1,000
1,000
1,200
500
500
400
2,000
2,000
2,000
1,000
–
750
1,000
–
–
–
–
250
–
–
–
–
–
–
4
4
6
8
5
11
(1)
(1)
–
(1)
1
(1)
100
100
100
100
100
100
100
100
100
89
84
96
97
97
97
94
92
92
–
–
–
–
–
–
34
–
49
–
–
–
–
–
–
500
–
350
52
57
68
67
55
54
60
52
–
–
–
–
–
1,000
–
–
–
–
1,200
–
1,500
1,750
1,500
–
1,500
1,000
–
–
50
500
500
–
250
500
–
–
–
–
–
–
–
–
–
–
–
11
16
–
3
–
–
–
–
8
–
(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
2
Less than 0.5.
The categories are based on the average wage for each occupation surveyed, which may include workers
with earnings both above and below the threshold. The average wages are based on the estimates published in
the "National Compensation Survey: Occupational Earnings in the United States, 2010." 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/glossary20112012.htm.
Table 7. Standard errors for fee-for-service plans: Type and amount of annual individual deductible, private industry workers, National
Compensation Survey, 2011
With deductible
With fixed deductible
Characteristics
All workers ...............................................................
Total with
deductible
Total with
fixed
deductible
With variable deductible
Median
deductible
amount
Total with
variable
deductible
Median deductible amount
In-network
Out-ofnetwork
Other
deductible
With no
deductible
Not
determinable
Point-ofservice
0.6
–
–
1.8
$184
$232
–
–
0.6
0.1
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
1.1
2.0
1.2
1.6
9.6
0.9
1.0
1.2
1.1
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2.6
3.1
3.4
4.7
11.0
2.6
3.6
3.1
4.8
–
–
–
–
0
29
39
171
166
328
–
–
214
313
265
0
313
–
$26
–
0
–
–
–
62
–
–
–
–
–
–
–
–
–
–
–
1.1
2.0
1.2
1.5
–
0.9
–
1.2
1.0
0.2
(1)
0.3
0.4
–
0.1
–
0.1
0.2
2.3
1.6
1.3
1.9
1.2
8.2
–
–
–
5.2
–
–
–
–
–
–
5.6
3.7
5.1
5.1
–
0
129
173
0
–
110
309
421
106
–
196
–
0
0
–
–
–
–
–
–
1.6
1.3
1.9
–
–
0.2
–
–
–
Full time ...................................................................
Part time ..................................................................
0.7
1.3
–
–
–
–
1.8
4.3
136
0
–
119
–
73
–
–
0.7
–
0.1
–
Union .......................................................................
Nonunion .................................................................
2.4
0.6
–
–
–
–
5.3
1.7
95
74
–
107
–
–
–
–
2.4
0.6
0.2
0.1
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
0.6
1.1
1.1
0.9
1.2
1.8
–
7.9
–
–
–
–
–
$17
–
–
–
–
5.5
7.6
2.8
2.5
2.6
3.9
145
–
211
–
0
78
237
210
347
353
10
81
–
–
117
–
0
48
–
–
–
–
–
–
–
–
1.1
0.9
1.1
1.7
–
–
(1)
0.1
0.2
0.4
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1.4
4.7
1.6
–
6.7
–
–
–
–
3.3
5.3
4.2
208
–
–
413
196
–
250
–
–
–
–
–
1.3
–
1.6
0.1
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
0.9
0.7
3.0
0.2
0.2
5.2
2.8
2.8
–
–
5.3
–
–
4.4
–
–
–
–
–
–
–
–
–
–
2.0
3.2
5.7
3.9
9.7
6.6
3.7
3.2
–
107
59
272
–
85
–
–
188
181
410
29
194
–
316
123
–
–
–
–
–
–
–
180
–
–
–
–
–
–
–
–
0.8
–
–
–
–
4.4
2.8
2.8
0.1
–
–
–
–
3.0
–
–
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 7. Standard errors for fee-for-service plans: Type and amount of annual individual deductible, private industry workers, National
Compensation Survey, 2011—Continued
With deductible
With fixed deductible
Characteristics
Total with
deductible
Total with
fixed
deductible
With variable deductible
Median
deductible
amount
Total with
variable
deductible
Median deductible amount
In-network
Out-ofnetwork
Other
deductible
With no
deductible
Not
determinable
Point-ofservice
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
2.4
2.9
2.4
2.6
1.7
2.0
1.7
2.1
0.1
–
–
–
–
–
–
–
–
8.6
–
–
–
–
–
–
–
–
$20
3.7
6.1
5.1
7.4
3.4
6.2
4.3
3.9
8.6
–
–
–
–
–
$62
113
–
–
–
$393
–
–
–
132
–
–
282
$0
–
–
–
58
–
50
55
–
–
–
–
–
–
–
–
–
–
2.4
–
–
–
1.7
–
1.6
2.1
–
–
–
–
–
0.2
–
0.3
0.3
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
0.7
0.7
1.6
1.0
1.1
1.6
–
–
–
–
–
–
–
–
–
–
–
–
2.4
2.7
5.1
2.4
3.4
2.8
101
69
234
0
95
26
67
215
414
42
–
116
299
–
–
–
–
22
–
–
–
–
–
–
0.7
0.7
1.6
1.0
1.1
1.6
(1)
(1)
–
0.2
0.3
0.1
1.7
2.5
1.4
0.6
0.9
1.6
2.5
2.9
1.8
–
–
–
–
–
–
4.3
–
3.8
–
–
–
–
–
–
60
–
51
5.0
5.6
3.3
2.7
5.1
6.4
4.8
9.8
–
–
–
–
–
201
–
–
–
–
161
–
196
430
371
–
422
117
–
–
0
101
109
–
40
0
–
–
–
–
–
–
–
–
–
–
–
1.7
2.6
–
0.6
–
–
–
–
1.7
–
0.1
–
0.1
–
–
–
–
0.1
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1
2
Less than 0.05.
The categories are based on the average wage for each occupation surveyed, which may include
workers with earnings both above and below the threshold. The average wages are based on the estimates
published in the "National Compensation Survey: Occupational Earnings in the United States, 2010." 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/glossary20112012.htm.
Table 8. Fee-for-service plans: Type and amount of annual family deductible, private industry workers, National Compensation Survey, 2011
(All workers participating in fee-for-service plans = 100 percent)
With deductible
With fixed deductible
Characteristics
Total
Total with
deductible
Total with
fixed
deductible
With variable deductible
Median
deductible
amount
Total with
variable
deductible
Median deductible amount
In-network
Out-ofnetwork
Other
deductible
With no
deductible
Not
determinable
Point-ofservice
100
89
–
–
56
$1,500
$3,000
–
–
11
(1)
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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
89
87
90
88
86
89
92
87
90
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
60
54
64
62
80
53
55
51
48
1,500
1,500
–
1,500
3,000
1,500
1,500
1,500
2,000
3,000
3,000
–
2,400
3,600
3,000
3,000
3,000
4,000
$750
–
–
–
–
–
1,500
–
–
–
–
–
–
–
–
–
–
–
11
13
10
12
–
11
8
13
10
(1)
(1)
(1)
(1)
–
(1)
–
(1)
1
100
100
100
100
100
89
90
89
87
91
51
–
–
–
30
$600
–
–
–
1,500
–
55
58
56
61
–
–
1,500
2,000
–
–
4,000
2,400
–
2,100
–
3,000
–
3,000
1,500
–
–
–
–
–
–
10
11
13
9
–
(1)
–
–
–
Full time ...................................................................
Part time ..................................................................
100
100
89
82
–
–
–
–
57
49
1,500
1,500
3,000
2,300
–
750
–
–
10
18
(1)
–
Union .......................................................................
Nonunion .................................................................
100
100
78
90
–
–
–
–
44
58
900
1,500
1,500
3,000
–
–
–
–
22
9
(1)
(1)
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
100
89
76
92
88
87
87
–
32
–
–
–
–
–
–
–
–
–
–
59
44
57
57
54
53
1,600
1,500
2,000
1,500
1,200
1,000
3,000
–
3,450
3,000
2,400
2,000
–
–
–
1,500
–
–
–
–
–
–
–
–
–
–
8
11
13
13
–
–
(1)
(1)
(1)
(1)
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
86
82
86
–
47
–
–
–
–
50
36
55
–
1,500
2,000
3,000
3,600
3,000
3,000
–
3,000
–
–
–
14
–
14
(1)
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
100
90
94
94
93
100
80
84
84
–
–
33
–
–
21
–
–
–
–
–
–
–
–
–
–
58
60
61
58
53
59
57
57
1,500
–
4,500
2,000
–
1,500
1,500
1,500
3,000
3,000
–
3,000
–
–
3,000
2,900
800
–
–
–
–
–
–
1,500
–
–
–
–
–
–
–
–
10
6
–
–
–
16
16
16
(1)
–
–
–
–
4
–
–
All workers ...............................................................
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 8. Fee-for-service plans: Type and amount of annual family deductible, private industry workers, National Compensation Survey,
2011—Continued
(All workers participating in fee-for-service plans = 100 percent)
With deductible
With fixed deductible
Characteristics
Total
Total with
deductible
Total with
fixed
deductible
With variable deductible
Median
deductible
amount
Total with
variable
deductible
Median deductible amount
In-network
Out-ofnetwork
Other
deductible
With no
deductible
Not
determinable
Point-ofservice
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
100
100
100
100
100
100
100
100
100
83
90
85
87
92
94
93
91
95
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
55
61
48
55
63
71
74
61
70
–
–
–
–
$1,500
1,000
1,200
1,500
1,500
$3,000
2,900
–
4,000
3,600
2,000
2,000
4,000
2,400
$1,900
–
–
–
–
–
600
–
–
–
–
–
–
–
–
–
–
–
17
–
15
–
8
–
6
9
–
–
–
–
–
1
( )
–
(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
90
90
89
88
90
86
–
–
–
–
–
–
–
–
–
–
–
–
55
59
47
57
57
58
2,500
–
2,400
1,200
1,500
900
4,500
4,500
4,800
2,100
3,000
1,600
–
–
3,000
–
1,500
–
–
–
–
–
–
–
10
10
11
12
10
14
(1)
(1)
–
(1)
1
(1)
100
100
100
100
100
100
100
100
100
88
79
93
97
92
93
89
85
84
–
–
–
–
–
–
32
–
42
–
–
–
–
–
–
$1,500
–
750
52
57
66
67
55
54
57
49
–
1,700
1,000
1,500
1,950
2,000
–
–
–
–
3,400
1,800
3,600
4,000
–
–
–
2,000
–
–
100
1,500
1,500
750
750
–
–
–
–
–
–
–
–
–
–
–
–
12
21
–
3
–
–
11
–
16
–
(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
2
Less than 0.5.
The categories are based on the average wage for each occupation surveyed, which may include workers
with earnings both above and below the threshold. The average wages are based on the estimates published in the
"National Compensation Survey: Occupational Earnings in the United States, 2010." 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/glossary20112012.htm.
Table 8. Standard errors for fee-for-service plans: Type and amount of annual family deductible, private industry workers, National
Compensation Survey, 2011
With deductible
With fixed deductible
Characteristics
All workers ...............................................................
Total with
deductible
Total with
fixed
deductible
With variable deductible
Median
deductible
amount
Total with
variable
deductible
Median deductible amount
In-network
Out-ofnetwork
Other
deductible
With no
deductible
Not
determinable
Point-ofservice
1.0
–
–
1.8
$44
$0
–
–
1.1
0.1
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
1.4
2.3
1.6
2.6
9.8
2.0
1.9
2.4
1.7
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2.6
3.1
3.4
4.7
11.0
2.6
3.7
3.1
4.8
296
418
–
102
0
65
166
122
244
704
642
–
555
175
0
0
83
399
$158
–
–
–
–
–
434
–
–
–
–
–
–
–
–
–
–
–
1.5
2.3
1.7
2.6
–
2.0
1.9
2.4
1.8
0.2
(1)
0.3
0.4
–
0.1
–
0.1
0.2
2.5
1.9
1.9
2.6
2.1
7.9
–
–
–
4.6
$146
–
–
–
0
–
5.5
3.7
5.1
5.2
–
–
0
270
–
–
877
677
–
317
–
0
–
0
0
–
–
–
–
–
–
1.9
1.9
2.6
2.1
–
0.2
–
–
–
Full time ...................................................................
Part time ..................................................................
1.0
4.7
–
–
–
–
1.8
4.3
86
152
0
385
–
77
–
–
1.0
4.7
0.1
–
Union .......................................................................
Nonunion .................................................................
3.2
0.9
–
–
–
–
5.4
1.7
79
256
286
193
–
–
–
–
3.2
1.0
0.2
0.1
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
3.2
8.2
1.5
1.4
1.3
1.9
–
8.1
–
–
–
–
–
–
–
–
–
–
5.6
7.6
2.8
2.7
2.5
3.9
262
0
318
385
215
126
310
–
947
464
384
130
–
–
–
218
–
–
–
–
–
–
–
–
–
–
1.5
1.5
1.4
2.1
–
–
(1)
0.1
0.2
0.4
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
2.0
4.2
2.5
–
6.5
–
–
–
–
3.4
5.3
4.3
–
317
581
211
710
726
481
–
620
–
–
–
2.0
–
2.5
0.1
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.3
1.5
3.0
2.6
0.2
5.2
2.8
2.8
–
–
5.3
–
–
4.4
–
–
–
–
–
–
–
–
–
–
2.0
3.2
5.7
3.9
9.7
6.6
3.7
3.2
83
–
926
114
–
139
209
114
0
501
–
616
–
–
28
263
232
–
–
–
–
–
–
360
–
–
–
–
–
–
–
–
1.4
1.5
–
–
–
4.4
2.8
2.8
0.1
–
–
–
–
3.0
–
–
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 8. Standard errors for fee-for-service plans: Type and amount of annual family deductible, private industry workers, National
Compensation Survey, 2011—Continued
With deductible
With fixed deductible
Characteristics
Total with
deductible
Total with
fixed
deductible
With variable deductible
Median
deductible
amount
Total with
variable
deductible
Median deductible amount
In-network
Out-ofnetwork
Other
deductible
With no
deductible
Not
determinable
Point-ofservice
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
2.6
3.4
3.9
5.1
1.7
2.0
1.7
2.1
3.7
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
3.7
6.3
5.1
7.4
3.4
6.2
4.3
3.9
8.6
–
–
–
–
$172
235
145
389
178
$0
116
–
640
981
75
172
1,132
501
$0
–
–
–
–
–
0
–
–
–
–
–
–
–
–
–
–
–
2.6
–
3.9
–
1.6
–
1.6
2.1
–
–
–
–
–
0.2
–
0.3
0.3
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
1.4
1.6
2.9
1.3
1.9
1.6
–
–
–
–
–
–
–
–
–
–
–
–
2.4
2.6
5.0
2.4
3.4
2.8
384
–
357
323
0
135
725
787
939
193
132
168
–
–
899
–
427
–
–
–
–
–
–
–
1.4
1.6
2.9
1.3
2.0
1.6
(1)
(1)
–
0.2
0.3
0.1
1.7
4.5
1.7
0.6
2.4
2.4
3.0
5.2
2.5
–
–
–
–
–
–
3.6
–
3.2
–
–
–
–
–
–
$198
–
31
5.0
5.6
3.6
2.7
5.1
6.6
4.9
9.4
–
466
225
81
508
512
–
–
–
–
544
316
762
581
–
–
–
470
–
–
0
146
0
184
42
–
–
–
–
–
–
–
–
–
–
–
–
1.7
4.6
–
0.6
–
–
3.0
–
2.5
–
0.1
–
0.1
–
–
–
–
0.1
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1
2
Less than 0.05.
The categories are based on the average wage for each occupation surveyed, which may include
workers with earnings both above and below the threshold. The average wages are based on the estimates
published in the "National Compensation Survey: Occupational Earnings in the United States, 2010." 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/glossary20112012.htm.
Table 9. Fee-for-service plans: Amount of annual individual deductible, private industry workers, National Compensation Survey,
2011
(All workers participating in fee-for-service plans = 100 percent)
Amount of annual deductible
Characteristics
Total
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
100
93
$200
$300
$500
$1,250
$2,250
7
(1)
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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
92
92
92
93
87
94
97
92
94
250
250
–
200
500
–
200
250
200
300
300
300
250
–
350
350
350
275
600
500
–
500
1,000
500
500
750
–
1,500
1,260
1,500
1,000
–
1,500
1,150
1,500
1,250
2,300
2,300
2,100
2,000
2,000
2,250
2,100
2,250
2,500
8
8
7
7
–
6
–
7
6
(1)
(1)
(1)
(1)
–
(1)
–
(1)
1
100
100
100
100
100
95
93
94
92
97
150
–
200
250
–
200
–
300
300
250
300
1,000
500
1,000
500
–
1,500
1,250
1,250
1,000
2,000
2,500
2,000
2,500
1,500
–
7
6
8
–
–
(1)
–
–
–
Full time ...................................................................
Part time ..................................................................
100
100
93
96
200
–
300
200
600
350
1,350
–
2,400
1,250
7
–
(1)
–
Union .......................................................................
Nonunion .................................................................
100
100
87
94
–
250
200
350
300
750
500
1,500
1,250
2,400
13
6
(1)
(1)
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
100
98
98
95
93
91
90
–
–
250
200
200
200
300
200
350
300
250
250
500
250
–
–
500
500
1,000
–
1,500
1,500
1,200
1,000
2,000
1,250
2,400
2,500
2,000
2,000
–
–
5
7
9
10
–
–
(1)
(1)
(1)
(1)
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
92
93
92
200
–
250
300
200
–
–
500
1,000
1,350
2,000
1,300
2,500
2,500
2,250
8
–
8
(1)
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
100
94
98
95
100
100
80
86
85
200
200
250
200
150
–
300
300
300
300
–
350
200
300
500
500
500
500
–
500
–
500
–
950
1,250
1,200
2,500
1,000
1,000
1,200
1,400
1,500
2,000
2,500
3,000
2,500
1,500
1,500
2,000
2,000
6
–
–
–
–
16
14
15
(1)
–
–
–
–
4
–
–
All workers ...............................................................
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 9. Fee-for-service plans: Amount of annual individual deductible, private industry workers, National Compensation Survey,
2011—Continued
(All workers participating in fee-for-service plans = 100 percent)
Amount of annual deductible
Characteristics
Total
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
100
100
100
100
100
100
100
100
100
84
93
93
95
92
94
93
92
100
$300
400
200
200
–
200
200
–
200
$500
–
300
300
–
250
250
–
250
$950
1,000
500
500
1,000
500
450
1,000
–
$1,500
1,500
1,250
1,500
–
–
–
2,000
800
$2,000
2,000
2,000
2,000
2,500
–
1,500
2,500
1,000
16
–
–
–
8
–
6
8
–
–
–
–
–
(1)
–
(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
95
96
94
92
94
88
250
250
–
200
200
–
400
500
–
275
300
250
1,000
1,000
1,000
500
500
400
1,750
2,000
1,500
1,000
1,000
1,000
2,500
2,500
2,500
1,500
1,500
1,500
4
4
6
8
5
11
(1)
(1)
–
(1)
1
(1)
100
100
100
100
100
100
100
100
100
89
84
96
97
97
97
94
92
92
250
–
200
300
200
–
200
–
200
–
250
300
500
300
350
350
275
250
1,000
–
–
950
–
–
–
–
500
–
1,000
1,250
1,500
1,500
1,000
1,250
–
1,250
2,500
2,000
2,000
2,400
2,000
2,400
2,500
2,500
–
11
16
–
3
–
–
–
–
8
–
(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.
2 The categories are based on the average wage for each occupation surveyed, which may include
workers with earnings both above and below the threshold. The average wages are based on the
estimates published in the "National Compensation Survey: Occupational Earnings in the United States,
2010." 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/glossary20112012.htm.
Table 9. Standard errors for fee-for-service plans: Amount of annual individual deductible, private industry workers, National
Compensation Survey, 2011
Amount of annual deductible
Characteristics
All workers ...............................................................
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
0.6
$0
$0
$84
$159
$346
0.6
0.1
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
1.1
2.0
1.2
1.6
9.6
0.9
1.0
1.2
1.1
62
23
–
0
136
–
53
74
0
10
38
17
20
–
14
20
18
48
152
143
–
34
0
102
0
220
–
189
150
364
0
–
318
223
105
359
364
261
479
166
301
342
552
322
71
1.1
2.0
1.2
1.5
–
0.9
–
1.2
1.0
0.2
(1)
0.3
0.4
–
0.1
–
0.1
0.2
2.3
1.6
1.3
1.9
1.2
31
–
0
46
–
0
–
0
26
34
42
69
140
229
0
–
390
210
242
0
441
621
400
377
28
–
1.6
1.3
1.9
–
–
0.2
–
–
–
Full time ...................................................................
Part time ..................................................................
0.7
1.3
6
–
0
28
163
42
214
–
354
234
0.7
–
0.1
–
Union .......................................................................
Nonunion .................................................................
2.4
0.6
–
43
0
34
33
164
138
236
243
231
2.4
0.6
0.2
0.1
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
0.6
1.1
1.1
0.9
1.2
1.8
–
–
0
25
0
0
59
51
20
18
26
40
53
0
–
–
0
0
241
–
148
129
139
219
451
289
407
116
49
204
–
–
1.1
0.9
1.1
1.7
–
–
( )
0.1
0.2
0.4
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1.4
4.7
1.6
0
–
0
0
34
–
–
60
146
194
118
124
175
0
463
1.3
–
1.6
0.1
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
0.9
0.7
3.0
0.2
0.2
5.2
2.8
2.8
0
0
0
47
34
–
0
14
0
48
–
0
53
51
106
63
39
0
–
0
–
0
–
277
150
245
260
0
69
0
207
86
296
0
589
714
0
213
78
0
0.8
–
–
–
–
4.4
2.8
2.8
0.1
–
–
–
–
3.0
–
–
Worker characteristic
1
Establishment characteristic
See footnotes at end of table.
Table 9. Standard errors for fee-for-service plans: Amount of annual individual deductible, private industry workers, National
Compensation Survey, 2011—Continued
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
2.4
2.9
2.4
2.6
1.7
2.0
1.7
2.1
0.1
$65
69
10
57
–
51
0
–
50
$0
–
45
26
–
0
0
–
14
$258
52
10
81
164
54
96
106
–
$39
178
319
390
–
–
–
501
237
$169
220
310
329
100
–
0
100
0
2.4
–
–
–
1.7
–
1.6
2.1
–
–
–
–
–
0.2
–
0.3
0.3
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
0.7
0.7
1.6
1.0
1.1
1.6
73
56
–
10
19
–
106
129
–
49
0
0
0
0
95
0
0
33
303
245
388
0
0
0
0
0
193
0
44
0
0.7
0.7
1.6
1.0
1.1
1.6
(1)
(1)
–
0.2
0.3
0.1
1.7
2.5
1.4
0.6
0.9
1.6
2.5
2.9
1.8
13
–
42
39
8
–
29
–
33
–
45
31
0
58
70
50
54
0
194
–
–
115
–
–
–
–
114
–
63
42
319
119
86
315
–
101
116
299
222
305
262
675
537
675
–
1.7
2.6
–
0.6
–
–
–
–
1.7
–
0.1
–
0.1
–
–
–
–
0.1
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1
2
Less than 0.05.
The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are
based on the estimates published in the "National Compensation Survey: Occupational Earnings
in the United States, 2010." 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/glossary20112012.htm.
Table 10. Fee-for-service plans: Amount of annual family deductible, private industry workers, National Compensation Survey, 2011
(All workers participating in fee-for-service plans = 100 percent)
Amount of annual deductible
Characteristics
Total
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
100
89
$500
$700
$1,500
$3,000
$5,000
11
(1)
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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
89
87
90
88
86
89
92
87
90
500
500
500
500
–
600
600
500
400
750
750
750
600
–
750
700
800
600
1,500
1,500
–
1,500
3,000
1,500
1,500
1,600
1,500
3,000
3,000
3,750
3,000
–
3,000
3,000
3,000
3,000
5,000
5,000
5,000
–
4,000
5,000
5,000
4,800
5,250
11
13
10
12
–
11
8
13
10
(1)
(1)
(1)
(1)
–
(1)
–
(1)
1
100
100
100
100
100
89
90
89
87
91
400
600
500
600
400
–
1,000
750
800
–
700
2,000
1,500
2,000
1,500
–
3,500
3,000
3,000
2,000
5,000
6,000
4,500
–
–
–
10
11
13
9
–
(1)
–
–
–
Full time ...................................................................
Part time ..................................................................
100
100
89
82
500
450
750
600
1,500
750
3,000
1,950
5,000
3,000
10
18
(1)
–
Union .......................................................................
Nonunion .................................................................
100
100
78
90
300
500
400
750
700
1,500
1,500
3,000
3,000
5,000
22
9
(1)
(1)
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
100
89
76
92
88
87
87
600
500
600
500
400
400
750
500
800
750
600
600
1,500
800
2,000
1,500
1,000
1,000
3,000
–
3,000
3,000
3,000
2,500
5,000
–
5,000
5,250
4,800
4,500
–
–
8
11
13
13
–
–
( )
1
( )
(1)
(1)
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
86
82
86
500
400
600
750
–
900
1,500
–
2,000
3,000
4,000
3,000
5,000
5,000
–
14
–
14
(1)
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
100
90
94
94
93
100
80
84
84
500
500
600
700
400
–
600
500
700
700
1,000
700
495
750
1,000
1,000
1,500
1,500
3,000
1,500
–
1,500
–
1,800
3,000
3,000
5,000
2,300
–
2,400
3,000
3,000
5,000
5,000
7,500
5,000
3,000
3,000
4,200
4,500
10
6
–
–
–
16
16
16
(1)
–
–
–
–
4
–
–
All workers ...............................................................
Worker characteristic
1
Establishment characteristic
See footnotes at end of table.
Table 10. Fee-for-service plans: Amount of annual family deductible, private industry workers, National Compensation Survey,
2011—Continued
(All workers participating in fee-for-service plans = 100 percent)
Amount of annual deductible
Characteristics
Total
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
100
100
100
100
100
100
100
100
100
83
90
85
87
92
94
93
91
95
$700
–
500
400
–
500
500
–
500
$1,000
1,000
700
600
–
600
600
–
–
$1,900
1,900
1,500
–
2,400
1,000
1,000
2,500
–
$3,000
3,000
3,000
–
4,000
–
–
4,000
–
$4,500
4,500
5,250
5,250
5,000
4,000
–
5,000
3,000
17
–
15
–
8
–
6
9
–
–
–
–
–
(1)
–
(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
90
90
89
88
90
86
600
600
500
450
500
–
1,000
1,000
–
700
700
600
2,250
2,500
2,000
1,000
–
900
4,000
4,000
4,000
2,400
2,400
2,000
6,000
6,000
5,250
3,300
3,300
3,300
10
10
11
12
10
14
(1)
(1)
–
(1)
1
(1)
100
100
100
100
100
100
100
100
100
88
79
93
97
92
93
89
85
84
500
–
500
700
500
600
600
450
450
800
500
750
–
750
800
–
600
600
–
1,000
1,500
2,000
1,500
–
1,500
–
1,000
–
2,500
3,000
3,000
4,000
3,000
3,000
–
2,400
5,000
4,200
5,000
5,000
5,000
5,000
5,000
6,000
3,000
12
21
–
3
–
–
11
–
16
–
(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.
2 The categories are based on the average wage for each occupation surveyed, which may include
workers with earnings both above and below the threshold. The average wages are based on the
estimates published in the "National Compensation Survey: Occupational Earnings in the United States,
2010." 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/glossary20112012.htm.
Table 10. Standard errors for fee-for-service plans: Amount of annual family deductible, private industry workers, National
Compensation Survey, 2011
Amount of annual deductible
Characteristics
All workers ...............................................................
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
1.0
$0
$64
$0
$0
$39
1.1
0.1
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
1.4
2.3
1.6
2.6
9.8
2.0
1.9
2.4
1.7
0
0
29
0
–
126
44
102
28
36
55
53
60
–
80
0
133
78
298
139
–
346
0
0
360
320
157
366
0
1,038
555
–
0
487
0
791
39
304
343
–
464
182
214
344
654
1.5
2.3
1.7
2.6
–
2.0
1.9
2.4
1.8
0.2
(1)
0.3
0.4
–
0.1
–
0.1
0.2
2.5
1.9
1.9
2.6
2.1
29
141
72
28
85
–
208
102
161
–
134
338
20
126
166
–
861
313
367
49
645
760
728
–
–
–
1.9
1.9
2.6
2.1
–
0.2
–
–
–
Full time ...................................................................
Part time ..................................................................
1.0
4.7
0
89
38
96
0
64
0
533
0
196
1.0
4.7
0.1
–
Union .......................................................................
Nonunion .................................................................
3.2
0.9
66
0
82
60
128
136
139
0
186
49
3.2
1.0
0.2
0.1
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
3.2
8.2
1.5
1.4
1.3
1.9
100
0
114
20
66
46
112
124
121
115
0
48
55
234
472
188
248
167
139
–
591
301
355
445
677
–
236
493
456
759
–
–
1.5
1.5
1.4
2.1
–
–
( )
0.1
0.2
0.4
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
2.0
4.2
2.5
103
12
0
31
–
130
331
–
0
0
739
20
701
832
–
2.0
–
2.5
0.1
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.3
1.5
3.0
2.6
0.2
5.2
2.8
2.8
0
34
118
20
98
–
126
65
45
0
147
10
58
179
177
52
0
77
827
110
–
102
–
448
0
407
572
239
–
113
240
0
39
0
1,015
277
0
193
458
240
1.4
1.5
–
–
–
4.4
2.8
2.8
0.1
–
–
–
–
3.0
–
–
Worker characteristic
1
Establishment characteristic
See footnotes at end of table.
Table 10. Standard errors for fee-for-service plans: Amount of annual family deductible, private industry workers, National
Compensation Survey, 2011—Continued
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
2.6
3.4
3.9
5.1
1.7
2.0
1.7
2.1
3.7
$39
–
89
111
–
135
0
–
81
$268
266
152
115
–
147
71
–
–
$311
337
215
–
634
208
161
696
–
$78
379
531
–
1,195
–
–
978
–
$431
503
579
806
200
540
–
342
306
2.6
–
3.9
–
1.6
–
1.6
2.1
–
–
–
–
–
0.2
–
0.3
0.3
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
1.4
1.6
2.9
1.3
1.9
1.6
107
0
135
62
39
–
52
43
–
107
0
114
445
617
351
115
–
116
528
564
1,179
187
167
453
208
0
747
748
958
743
1.4
1.6
2.9
1.3
2.0
1.6
(1)
(1)
–
0.2
0.3
0.1
1.7
4.5
1.7
0.6
2.4
2.4
3.0
5.2
2.5
39
–
28
106
38
62
143
71
98
188
142
107
–
82
229
–
113
0
–
45
129
97
286
–
423
–
150
–
339
0
536
1,043
431
713
–
379
162
978
242
320
424
726
1,253
1,458
657
1.7
4.6
–
0.6
–
–
3.0
–
2.5
–
0.1
–
0.1
–
–
–
–
0.1
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1
2
Less than 0.05.
The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are
based on the estimates published in the "National Compensation Survey: Occupational Earnings
in the United States, 2010." 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/glossary20112012.htm.
Table 11. Fee-for-service plans: Coinsurance percentage, private industry workers, National Compensation Survey, 2011
(All workers participating in fee-for-service plans with coinsurance = 100 percent)
Fixed coinsurance
Characteristics
All workers ...............................................................
Total
Variable coinsurance
Median coinsurance percentage
Median
coinsurance
percentage
With fixed
coinsurance
With variable
coinsurance
In-network
Out-ofnetwork
With other
coinsurance
Point-ofservice
100
–
–
85
80
60
90
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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
–
12
–
–
–
–
11
–
–
–
80
–
–
–
–
80
–
–
88
88
87
86
97
86
89
84
84
80
80
80
80
80
80
80
80
80
60
60
60
60
60
60
60
60
60
90
85
100
100
100
90
90
90
90
–
–
–
–
–
–
–
–
–
100
100
100
100
100
–
–
19
14
25
–
–
80
80
80
85
84
81
86
75
90
80
80
80
85
70
60
60
60
60
90
90
90
80
90
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
100
100
–
–
–
–
86
81
80
80
60
60
90
100
–
–
Union .......................................................................
Nonunion .................................................................
100
100
–
–
–
–
69
88
90
80
70
60
100
90
–
–
Average wage within the following categories:1
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
100
12
–
–
–
–
–
75
–
–
–
–
–
88
78
88
83
85
87
80
80
80
80
85
85
60
60
60
60
60
60
90
–
90
90
90
90
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
11
–
10
80
–
80
89
91
90
80
85
80
60
70
60
90
–
80
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
100
–
14
–
–
–
27
21
16
–
80
–
–
–
80
80
80
85
86
95
91
92
73
79
84
80
80
80
80
90
90
80
80
60
60
60
60
65
60
60
60
90
90
90
90
–
90
90
90
–
–
–
–
–
–
–
–
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 11. Fee-for-service plans: Coinsurance percentage, private industry workers, National Compensation Survey,
2011—Continued
(All workers participating in fee-for-service plans with coinsurance = 100 percent)
Fixed coinsurance
Characteristics
Total
With fixed
coinsurance
Variable coinsurance
Median
coinsurance
percentage
Median coinsurance percentage
With variable
coinsurance
In-network
Out-ofnetwork
With other
coinsurance
Point-ofservice
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
100
100
100
100
100
100
100
100
100
14
18
24
–
–
–
–
–
–
80
80
80
–
–
–
–
–
–
86
82
76
77
91
89
90
92
90
80
85
90
90
80
90
80
80
80
60
60
65
70
60
70
60
60
60
80
85
85
–
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
14
11
19
–
–
–
80
80
80
–
–
–
86
89
81
85
85
85
80
80
80
80
80
80
60
60
60
60
60
60
90
90
90
90
90
90
–
–
–
–
–
–
100
100
100
100
100
100
100
100
100
–
–
9
–
–
–
9
–
17
–
–
80
–
–
–
80
–
80
77
78
91
91
84
87
91
79
83
85
90
80
80
80
80
80
80
80
60
70
60
60
60
60
60
60
60
100
100
100
80
90
90
85
90
90
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are
based on the estimates published in the "National Compensation Survey: Occupational Earnings
in the United States, 2010." 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/glossary20112012.htm.
Table 11. Standard errors for fee-for-service plans: Coinsurance percentage, private industry workers, National
Compensation Survey, 2011
Fixed coinsurance
Characteristics
All workers ...............................................................
Variable coinsurance
Median coinsurance percentage
Median
coinsurance
percentage
With fixed
coinsurance
With variable
coinsurance
In-network
Out-ofnetwork
With other
coinsurance
Point-ofservice
–
–
1.3
0.0
0.0
0.0
–
Worker characteristic
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
–
1.8
–
–
–
–
2.5
–
–
–
0.0
–
–
–
–
0.0
–
–
1.4
1.8
1.9
3.3
2.1
1.9
2.5
2.1
4.8
1.0
5.0
1.0
0.0
0.0
0.0
0.0
0.0
3.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.0
6.0
3.3
7.3
0.0
0.0
0.0
0.0
0.0
0.0
–
–
–
–
–
–
–
–
–
–
–
3.1
3.4
4.8
–
–
0.0
0.0
0.0
6.6
6.1
3.1
3.4
4.8
5.6
0.0
5.0
1.0
8.9
0.0
0.0
0.0
0.0
4.5
14.1
2.0
8.3
3.9
3.9
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
–
–
–
–
1.4
4.3
0.0
0.0
0.0
0.0
0.0
0.0
–
–
Union .......................................................................
Nonunion .................................................................
–
–
–
–
5.3
1.3
3.8
0.0
1.7
0.0
0.0
0.0
–
–
Average wage within the following categories:1
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
3.3
–
–
–
–
–
6.3
–
–
–
–
–
3.3
9.0
2.2
2.4
1.8
2.3
0.0
0.0
0.0
0.0
2.8
6.5
0.0
0.0
0.0
0.0
0.0
0.0
7.8
–
0.0
0.0
8.0
12.1
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
2.5
–
2.7
0.0
–
0.0
2.5
3.8
2.7
5.3
6.7
4.0
0.0
12.6
0.0
12.4
–
13.9
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
–
2.4
–
–
–
7.3
4.7
2.7
–
0.0
–
–
–
8.8
1.0
6.8
1.6
2.4
2.1
3.0
5.1
7.3
4.7
2.7
0.0
0.0
7.3
0.0
6.6
0.0
5.6
6.6
0.0
0.0
0.0
3.9
7.8
11.6
0.0
0.0
0.0
0.0
10.9
0.0
–
0.0
0.0
6.2
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 11. Standard errors for fee-for-service plans: Coinsurance percentage, private industry workers, National
Compensation Survey, 2011—Continued
Fixed coinsurance
Characteristics
With fixed
coinsurance
Variable coinsurance
Median
coinsurance
percentage
Median coinsurance percentage
With variable
coinsurance
In-network
Out-ofnetwork
With other
coinsurance
Point-ofservice
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
3.6
4.1
4.7
–
–
–
–
–
–
6.4
0.0
0.0
–
–
–
–
–
–
3.6
4.1
4.7
7.4
2.0
4.9
3.6
2.4
4.9
0.0
3.4
0.0
0.0
0.0
11.7
0.0
0.0
0.0
0.0
0.0
8.1
3.3
0.0
3.3
10.9
0.0
0.0
9.2
9.1
0.0
–
6.9
0.0
11.8
7.7
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
2.5
2.0
5.6
–
–
–
0.0
0.0
0.0
–
–
–
2.5
2.0
5.6
1.5
2.1
2.3
0.0
0.0
9.6
0.0
0.0
5.6
0.0
0.0
9.2
0.0
0.0
0.0
0.0
0.0
11.3
1.0
5.6
4.6
–
–
–
–
–
–
–
–
1.7
–
–
–
2.4
–
4.4
–
–
0.0
–
–
–
5.3
–
0.0
7.5
4.5
1.7
2.7
2.8
6.7
2.4
8.8
4.4
9.4
2.2
0.0
0.0
0.0
0.0
0.0
0.0
2.8
6.8
8.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
11.2
9.7
5.2
9.0
7.8
15.3
0.0
–
–
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The categories are based on the average wage for each occupation surveyed, which
may include workers with earnings both above and below the threshold. The average
wages are based on the estimates published in the "National Compensation Survey:
Occupational Earnings in the United States, 2010." 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/glossary20112012.htm.
Table 12. Fee-for-service plans: Amount of annual individual out-of-pocket maximum, private industry workers, National
Compensation Survey, 2011
(All workers participating in fee-for-service plans = 100 percent)
Amount of out-of-pocket maximum
Characteristics
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
85
$1,000
$1,400
$2,000
$2,500
$3,500
13
2
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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
86
89
84
82
84
87
90
85
90
1,000
1,000
1,000
1,000
1,000
1,000
1,250
1,000
1,000
1,400
1,500
1,250
1,500
1,000
1,500
1,650
1,500
1,300
2,000
2,000
2,000
2,000
–
2,000
2,000
2,000
1,850
2,500
2,500
2,500
3,000
–
2,500
2,600
2,500
2,500
3,000
3,200
3,000
4,650
3,750
3,600
3,600
3,600
–
14
11
16
12
–
12
–
14
9
(1)
(1)
(1)
5
–
2
–
2
1
100
100
100
100
100
86
93
82
79
84
1,000
1,000
1,000
700
1,000
1,375
–
1,000
1,000
1,300
1,850
1,800
1,750
1,750
1,750
–
2,300
2,500
2,500
2,500
7,000
3,000
3,500
3,700
3,500
–
–
16
17
15
–
–
2
3
(1)
Full time ...................................................................
Part time ..................................................................
100
100
86
82
1,000
1,000
1,350
1,500
2,000
1,750
2,500
2,500
3,500
3,600
13
17
2
2
Union .......................................................................
Nonunion .................................................................
100
100
78
86
–
1,000
1,000
1,500
1,750
2,000
–
2,500
–
3,500
19
12
3
1
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
100
84
84
86
86
85
85
1,000
–
1,000
1,000
1,000
1,000
1,650
2,000
1,500
1,250
1,300
1,450
2,150
2,425
2,000
2,000
1,900
2,000
2,900
–
2,500
2,500
2,500
2,500
4,400
–
3,600
3,500
3,250
–
–
–
12
13
15
15
–
–
2
1
1
(1)
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
86
90
83
900
–
–
1,000
1,375
1,000
1,800
2,100
1,700
2,500
–
2,250
4,000
7,000
3,350
12
–
14
2
–
2
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
100
85
88
80
92
92
85
77
76
1,000
1,000
–
1,250
–
–
1,000
1,000
1,500
1,500
1,500
1,650
1,250
1,000
1,500
1,500
2,000
2,000
2,000
1,850
1,500
1,500
2,500
2,250
2,500
2,500
3,000
2,750
2,200
2,500
2,800
2,750
3,500
3,600
3,500
3,600
3,250
3,500
3,850
3,850
13
10
–
6
–
–
23
24
1
2
–
2
–
–
(1)
(1)
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 12. Fee-for-service plans: Amount of annual individual out-of-pocket maximum, private industry workers, National
Compensation Survey, 2011—Continued
(All workers participating in fee-for-service plans = 100 percent)
Amount of out-of-pocket maximum
Characteristics
Total
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
100
100
100
100
100
100
100
100
100
74
91
85
82
84
77
82
85
89
$1,000
1,000
900
900
1,000
1,000
1,000
1,000
1,500
$1,500
1,500
1,000
–
1,400
1,250
1,250
1,400
2,000
$2,250
2,300
1,700
1,700
2,000
1,750
1,500
2,000
2,200
$2,500
2,900
2,100
2,000
2,450
2,500
2,000
2,400
3,000
$4,000
3,800
2,700
2,500
3,000
3,000
2,750
3,100
5,000
26
–
15
–
16
23
18
14
–
–
–
–
–
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
84
83
85
87
89
84
1,000
1,000
1,000
1,000
1,000
750
1,500
1,375
1,500
1,300
1,500
1,000
2,000
2,000
2,000
1,800
2,000
1,750
2,500
2,500
2,500
2,500
2,700
2,500
3,500
3,500
3,500
3,600
3,600
3,400
15
15
15
12
9
15
2
2
( )
2
2
1
100
100
100
100
100
100
100
100
100
82
65
88
94
89
95
89
80
90
1,000
–
1,000
1,000
1,000
–
1,150
1,000
900
1,500
1,000
1,000
1,500
1,500
1,250
1,500
1,500
1,250
2,000
1,650
1,750
2,000
2,000
1,650
2,000
1,900
1,850
2,500
2,500
2,400
2,600
2,500
2,500
2,750
2,500
2,500
3,350
3,000
3,250
3,500
4,000
4,400
3,700
4,000
3,500
18
35
11
–
10
–
–
–
–
(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 ......................................................................
1
2
Less than 0.5.
The categories are based on the average wage for each occupation surveyed, which may include
workers with earnings both above and below the threshold. The average wages are based on the
estimates published in the "National Compensation Survey: Occupational Earnings in the United States,
2010." 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/glossary20112012.htm.
Table 12. Standard errors for fee-for-service plans: Amount of annual individual out-of-pocket maximum, private industry
workers, National Compensation Survey, 2011
Amount of out-of-pocket maximum
Characteristics
All workers ...............................................................
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
1.3
$0
$122
$0
$0
$145
1.2
0.5
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
1.9
1.9
2.9
3.8
10.4
2.0
2.7
2.3
2.1
73
20
173
253
0
0
31
0
0
177
58
174
212
0
0
72
172
261
0
0
183
34
–
0
95
56
203
55
0
243
325
–
130
180
111
90
116
281
63
905
831
238
408
261
–
1.9
1.9
3.0
2.3
–
1.9
–
2.2
2.1
0.1
0.1
0.1
3.3
–
0.7
–
0.9
0.4
5.6
2.1
2.8
3.8
4.0
181
0
157
177
0
154
–
103
0
126
305
315
97
207
114
–
297
100
200
137
169
179
195
503
209
–
–
2.4
3.0
4.0
–
–
1.7
3.0
0.1
Full time ...................................................................
Part time ..................................................................
1.3
4.7
0
206
107
20
0
166
0
261
174
453
1.2
4.7
0.6
0.9
Union .......................................................................
Nonunion .................................................................
3.1
1.3
–
0
276
163
166
0
–
0
–
104
3.0
1.2
1.2
0.6
Average wage within the following categories:1
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
4.7
6.8
2.2
1.8
1.8
2.9
91
–
0
0
55
145
85
587
156
99
83
187
141
521
156
142
121
80
376
–
20
0
0
0
658
–
162
20
329
–
–
–
1.9
1.8
1.8
2.9
–
–
1.2
0.5
0.2
0.1
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
2.4
5.1
3.2
185
–
–
98
129
0
178
503
89
126
–
246
326
785
357
2.1
–
2.8
1.4
–
1.9
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.5
1.8
6.0
2.1
4.5
4.8
3.9
5.3
0
147
–
97
–
–
71
0
122
0
84
51
69
71
172
212
0
185
0
218
136
215
260
229
0
60
639
274
278
567
222
388
49
88
39
147
437
113
485
324
1.4
1.7
–
1.8
–
–
3.9
5.3
0.6
0.8
–
0.9
–
–
(2)
(2)
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 12. Standard errors for fee-for-service plans: Amount of annual individual out-of-pocket maximum, private industry
workers, National Compensation Survey, 2011—Continued
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
4.2
3.1
4.4
7.0
2.9
4.8
3.4
3.0
7.3
$98
0
118
126
164
0
0
231
383
$279
73
112
–
213
67
139
210
48
$364
230
152
131
222
235
59
212
464
$377
248
175
0
430
592
91
407
824
$292
735
106
364
349
0
324
543
1,146
4.2
–
4.4
–
2.9
4.8
3.4
3.0
–
–
–
–
–
0.4
–
–
0.5
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
2.2
2.8
3.9
1.5
2.2
1.8
0
0
85
86
0
186
124
201
70
92
34
194
0
0
20
125
359
132
0
0
110
0
210
72
389
342
815
130
74
291
1.9
2.4
3.9
1.4
1.9
1.8
0.9
1.3
0.1
0.7
1.2
0.1
4.3
4.1
2.1
3.7
2.6
2.4
4.3
8.3
2.3
0
–
0
0
28
–
265
0
122
420
0
265
74
0
205
20
192
116
80
220
173
0
0
366
0
258
130
62
312
243
333
236
131
306
415
48
109
153
458
417
676
513
382
398
307
4.2
4.3
2.1
–
2.6
–
–
–
–
0.5
0.3
0.2
–
0.5
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are
based on the estimates published in the "National Compensation Survey: Occupational Earnings
in the United States, 2010." See Technical Note for more details.
2 Less than 0.05.
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/glossary20112012.htm.
Table 13. Fee-for-service plans: Amount of annual family out-of-pocket maximum, private industry workers, National Compensation
Survey, 2011
(All workers participating in fee-for-service plans = 100 percent)
Amount of out-of-pocket maximum
Characteristics
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
79
$2,000
$3,000
$4,000
$5,400
$7,500
20
2
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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
81
83
80
72
84
81
85
79
77
2,000
2,000
2,000
2,125
3,000
2,000
2,500
2,000
2,000
3,000
3,000
3,000
3,000
3,000
3,000
3,300
2,900
2,500
4,000
4,000
4,000
4,000
–
4,000
4,000
4,000
3,500
5,400
5,100
5,500
6,000
–
5,500
6,000
5,300
5,000
7,500
7,500
7,500
8,900
7,150
7,700
7,500
8,000
6,500
18
17
19
23
–
17
–
19
22
(1)
(1)
(1)
5
–
2
–
2
1
100
100
100
100
100
60
87
75
74
78
1,800
2,000
2,000
1,900
2,000
2,000
2,500
2,600
–
2,850
3,100
4,000
3,500
3,200
4,000
3,900
5,000
5,000
5,400
5,000
–
6,500
7,200
7,500
7,100
–
–
23
23
22
–
–
2
3
(1)
Full time ...................................................................
Part time ..................................................................
100
100
79
73
2,000
2,500
3,000
3,300
4,000
4,000
5,400
4,500
7,500
6,000
19
26
2
2
Union .......................................................................
Nonunion .................................................................
100
100
60
82
1,500
2,000
2,000
3,000
3,400
4,000
4,800
5,500
5,500
7,500
37
17
3
1
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
100
76
60
81
80
77
77
2,700
3,500
2,000
2,000
2,000
2,000
3,300
4,000
3,000
2,800
2,900
2,900
4,200
4,500
4,000
4,000
4,000
4,000
7,000
–
5,400
5,000
5,300
5,400
8,900
10,000
7,500
7,150
7,000
6,900
–
–
17
19
22
23
–
–
2
1
1
1
( )
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
75
67
76
2,000
–
2,000
–
2,000
–
3,500
3,500
3,400
5,000
5,000
5,000
7,500
10,000
6,700
23
–
21
2
–
2
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
100
80
82
73
85
83
82
74
75
2,000
2,500
–
2,500
–
–
2,000
2,000
3,000
3,300
3,000
3,300
3,000
2,500
2,900
2,900
4,000
4,000
4,000
4,000
4,000
3,400
4,200
4,000
5,400
5,200
5,500
5,500
5,000
5,850
5,000
5,000
7,500
7,000
7,000
7,150
6,600
6,750
8,300
7,700
19
17
27
13
–
18
26
25
1
2
–
2
–
–
(1)
1
( )
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 13. Fee-for-service plans: Amount of annual family out-of-pocket maximum, private industry workers, National Compensation
Survey, 2011—Continued
(All workers participating in fee-for-service plans = 100 percent)
Amount of out-of-pocket maximum
Characteristics
Total
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
100
100
100
100
100
100
100
100
100
73
88
78
72
83
77
81
85
78
$2,000
2,000
2,000
2,000
2,000
2,000
2,000
2,000
4,000
$3,000
2,900
2,500
2,500
3,000
3,000
2,500
3,000
4,000
$4,800
4,000
3,250
3,300
4,000
3,900
3,500
4,000
4,400
$6,600
5,000
4,800
4,500
6,000
5,000
4,500
6,000
7,500
$8,300
7,000
6,600
5,400
7,500
6,000
6,000
7,500
9,000
27
–
22
28
16
23
19
14
–
–
–
–
–
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
75
75
77
81
83
80
2,000
2,000
2,500
2,000
2,000
1,800
3,000
2,700
3,000
3,000
3,000
2,500
4,000
4,000
4,050
4,000
4,000
3,800
5,400
5,000
5,500
5,300
5,400
5,200
7,500
7,400
8,000
7,500
7,500
7,500
23
23
23
17
15
19
2
2
( )
2
2
1
100
100
100
100
100
100
100
100
100
81
60
84
93
79
86
84
69
80
3,000
–
2,000
2,000
2,000
1,800
2,500
2,000
1,850
3,500
2,000
2,500
3,000
3,000
3,300
3,300
2,700
2,600
4,000
3,300
3,400
4,000
4,000
4,500
4,500
3,550
3,900
5,000
5,000
5,000
5,850
5,100
5,500
6,500
5,500
5,000
6,700
7,500
6,500
7,150
7,500
8,900
8,660
7,600
7,500
19
40
15
–
20
–
–
–
–
(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 ......................................................................
1 Less than 0.5.
2 The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are based on
the estimates published in the "National Compensation Survey: Occupational Earnings in the United
States, 2010." 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/glossary20112012.htm.
Table 13. Standard errors for fee-for-service plans: Amount of annual family out-of-pocket maximum, private industry
workers, National Compensation Survey, 2011
Amount of out-of-pocket maximum
Characteristics
All workers ...............................................................
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
1.8
$0
$39
$0
$325
$102
1.7
0.5
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
1.9
2.4
2.9
4.8
10.4
2.7
3.3
3.1
4.1
0
0
52
385
515
150
94
59
93
88
94
174
113
0
0
10
461
570
0
0
0
270
–
20
200
199
691
386
348
560
625
–
411
694
443
559
667
848
800
1,436
1,459
241
373
543
936
1.9
2.4
2.9
4.0
–
2.7
–
3.1
4.2
0.1
0.1
0.1
3.3
–
0.7
–
0.9
0.4
8.3
2.7
3.0
3.9
4.1
432
0
443
454
504
297
568
447
–
363
622
182
417
321
360
201
252
506
735
355
–
929
662
836
940
–
–
2.6
3.2
4.1
–
–
1.7
3.0
0.1
Full time ...................................................................
Part time ..................................................................
1.7
5.0
0
463
116
362
0
174
230
369
71
1,047
1.7
4.9
0.6
0.9
Union .......................................................................
Nonunion .................................................................
5.0
1.6
215
0
201
0
287
0
530
205
231
106
5.1
1.4
1.2
0.6
Average wage within the following categories:1
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
5.6
8.9
2.6
2.4
1.9
2.1
292
680
0
62
0
170
60
0
71
359
210
271
324
535
49
364
20
0
1,077
–
583
39
380
397
572
634
438
463
437
963
–
–
2.3
2.4
1.9
2.1
–
–
1.2
0.5
0.2
0.1
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
3.2
6.4
3.4
131
–
20
–
166
–
135
204
250
621
303
533
756
2,326
1,090
3.0
–
3.1
1.4
–
1.9
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.8
2.6
6.0
3.8
9.9
5.1
3.8
5.2
0
250
–
124
–
–
0
78
0
333
0
0
287
241
112
312
0
0
139
663
212
653
382
124
322
272
587
479
1,037
613
704
193
165
149
1,008
433
113
264
729
223
1.8
2.6
6.0
3.8
–
5.1
3.8
5.2
0.6
0.8
–
0.9
–
–
2
( )
(2)
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 13. Standard errors for fee-for-service plans: Amount of annual family out-of-pocket maximum, private industry
workers, National Compensation Survey, 2011—Continued
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
4.2
3.6
4.4
6.2
2.9
4.8
3.6
3.0
8.4
$170
139
171
141
230
520
49
382
158
$468
98
245
507
355
139
625
439
55
$1,065
144
612
781
161
254
312
178
859
$1,156
39
446
471
1,109
1,119
397
1,004
1,453
$510
888
1,224
206
354
1,564
98
872
1,421
4.2
–
4.4
6.2
2.9
4.8
3.6
3.0
–
–
–
–
–
0.4
–
–
0.5
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
3.2
3.4
5.9
1.6
2.1
2.0
0
0
354
0
89
342
59
469
193
102
0
276
0
0
240
318
607
300
547
585
497
212
367
370
321
419
1,061
129
234
603
3.0
3.1
5.9
1.5
1.7
2.0
0.9
1.3
0.1
0.7
1.2
0.1
4.3
6.2
2.4
3.7
5.0
5.2
5.0
7.3
3.7
90
–
71
130
133
453
55
0
121
573
453
350
0
20
419
166
663
470
86
316
294
0
0
347
260
580
230
354
476
122
571
517
614
1,090
674
229
476
639
832
699
430
1,510
777
1,780
443
4.2
6.4
2.4
–
4.9
–
–
–
–
0.5
0.3
0.2
–
0.5
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are
based on the estimates published in the "National Compensation Survey: Occupational Earnings
in the United States, 2010." See Technical Note for more details.
2 Less than 0.05.
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/glossary20112012.htm.
Table 14. Health maintenance organizations: Summary of selected features, private industry workers, National Compensation
Survey, 2011
(All workers participating in health maintenance organizations = 100 percent)
Annual deductible
Characteristics
Yes
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
37
63
(1)
17
83
–
70
30
(1)
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
35
29
39
22
–
48
69
41
39
64
70
61
78
98
52
31
59
61
(1)
1
–
–
–
1
( )
–
1
1
15
12
17
–
–
17
–
17
8
85
88
83
84
98
83
84
83
92
–
–
–
–
–
–
–
–
–
70
79
65
74
84
73
78
70
66
29
20
35
26
–
27
–
30
33
1
2
( )
–
–
1
( )
–
(1)
1
47
33
35
37
31
51
67
64
61
69
2
–
1
1
–
–
–
25
23
–
86
96
75
77
74
–
–
–
–
–
71
62
60
60
61
–
38
40
40
39
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
37
33
63
67
(1)
–
16
–
84
79
–
–
70
62
30
38
(1)
–
Union .......................................................................
Nonunion .................................................................
15
41
84
59
1
(1)
17
17
83
83
–
–
66
70
34
29
1
(1)
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
31
55
42
39
34
25
69
45
57
61
66
75
–
–
1
(1)
(1)
–
24
58
17
14
16
–
76
–
83
86
84
88
–
–
–
–
–
–
84
79
67
67
69
70
16
–
33
33
30
28
–
–
(1)
(1)
1
2
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
38
42
34
62
57
66
(1)
1
–
18
–
–
82
82
86
–
–
–
62
79
55
38
–
45
1
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
36
43
44
51
–
–
–
25
63
55
52
48
72
76
80
75
(1)
2
4
1
–
–
–
–
16
22
–
–
–
–
–
19
84
78
80
81
84
82
85
81
–
–
–
–
–
–
–
–
71
68
65
77
62
81
57
58
28
32
35
23
38
–
39
37
(1)
–
–
–
–
–
4
5
All workers ...............................................................
Worker characteristic
1
Establishment characteristic
See footnotes at end of table.
Table 14. Health maintenance organizations: Summary of selected features, private industry workers, National Compensation
Survey, 2011—Continued
(All workers participating in health maintenance organizations = 100 percent)
Annual deductible
Characteristics
Yes
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
29
–
49
58
34
41
25
–
–
71
73
51
–
66
59
75
69
76
–
–
–
–
–
–
–
–
–
–
–
–
39
11
–
–
–
–
74
80
77
61
89
94
95
88
89
–
–
–
–
–
–
–
–
–
57
79
79
92
64
66
53
63
86
43
–
–
–
36
34
47
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 ............................................
48
51
41
25
23
26
51
49
57
75
77
74
1
–
3
1
( )
1
( )
(1)
17
17
–
17
18
16
83
83
84
83
82
84
–
–
–
–
–
–
72
73
71
66
77
56
27
26
29
33
23
44
1
1
( )
1
( )
(1)
(1)
50
46
26
–
66
–
–
52
17
50
53
74
77
34
75
–
48
83
–
1
–
–
–
–
–
–
1
–
–
15
–
17
–
–
33
–
90
80
85
85
83
67
70
67
89
–
–
–
–
–
–
–
–
–
45
51
66
–
64
70
82
82
90
55
47
34
61
–
–
–
–
–
–
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
2
Less than 0.5.
The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are based
on the estimates published in the "National Compensation Survey: Occupational Earnings in the
United States, 2010." 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/glossary20112012.htm.
Table 14. Standard errors for health maintenance organizations: Summary of selected features, private industry workers,
National Compensation Survey, 2011
Annual deductible
Characteristics
Yes
All workers ...............................................................
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
3.3
3.3
0.2
2.2
2.2
–
3.4
3.2
0.3
Worker characteristic
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
5.7
6.2
7.4
5.4
–
4.8
7.4
5.2
7.3
5.7
6.2
7.4
5.4
2.8
4.8
7.4
5.2
7.2
0.3
0.9
–
–
–
0.4
–
0.5
0.7
3.2
3.2
4.4
–
–
2.9
–
3.3
2.0
3.2
3.2
4.4
5.4
2.7
2.9
5.1
3.3
2.0
–
–
–
–
–
–
–
–
–
5.2
5.2
7.4
6.9
13.8
4.9
7.5
5.6
7.6
5.2
4.0
7.4
6.9
–
4.9
–
5.6
7.8
0.7
1.9
0.1
–
–
0.1
–
0.1
0.7
12.1
9.2
5.6
8.2
6.5
11.4
9.2
5.4
7.6
6.5
1.7
–
0.9
1.5
–
–
–
4.6
5.3
–
4.2
2.2
4.6
5.3
8.8
–
–
–
–
–
8.4
10.9
5.6
7.3
7.9
–
10.9
5.6
7.3
7.9
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
3.5
7.7
3.5
7.7
0.2
–
2.4
–
2.4
6.9
–
–
3.6
6.5
3.4
6.5
0.3
–
Union .......................................................................
Nonunion .................................................................
2.8
3.5
2.8
3.5
0.6
0.2
4.1
2.4
4.1
2.4
–
–
6.9
3.4
6.7
3.3
0.4
0.3
Average wage within the following categories:1
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
7.7
13.2
6.5
4.6
3.9
6.5
7.7
13.2
6.6
4.6
3.9
6.5
–
–
0.7
0.1
0.4
–
7.1
17.4
3.5
2.8
3.1
–
7.1
–
3.5
2.8
3.1
4.0
–
–
–
–
–
–
4.6
15.1
6.4
4.9
4.0
5.6
4.6
–
6.4
4.9
3.7
4.4
–
–
0.1
0.1
0.8
2.1
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
6.2
10.4
6.8
6.2
10.0
6.8
0.3
1.1
–
4.1
–
–
4.1
7.3
4.2
–
–
–
5.8
8.5
7.3
5.8
–
7.3
0.4
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
4.1
5.7
7.7
9.1
–
–
–
6.9
4.1
5.5
6.9
9.0
13.4
12.1
5.9
6.9
0.2
1.2
2.8
1.3
–
–
–
–
2.5
5.2
–
–
–
–
–
5.6
2.5
5.2
7.8
6.1
13.7
11.6
4.7
5.6
–
–
–
–
–
–
–
–
3.9
4.1
7.4
6.1
8.9
9.0
7.7
7.0
3.8
4.1
7.4
6.1
8.9
–
5.8
5.8
0.3
–
–
–
–
–
4.1
4.9
Establishment characteristic
See footnotes at end of table.
Table 14. Standard errors for health maintenance organizations: Summary of selected features, private industry workers,
National Compensation Survey, 2011—Continued
Annual deductible
Characteristics
Yes
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
7.3
–
11.9
12.8
8.0
10.9
4.5
–
–
7.3
13.7
11.9
–
8.0
10.9
4.5
10.1
10.4
–
–
–
–
–
–
–
–
–
–
–
–
10.8
2.9
–
–
–
–
11.2
6.4
8.6
10.8
2.9
3.2
1.8
3.8
6.6
–
–
–
–
–
–
–
–
–
7.5
11.0
8.4
5.4
8.4
8.9
5.2
10.5
8.8
7.5
–
–
–
8.4
8.9
5.2
10.5
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
4.6
5.8
8.2
3.0
5.1
4.1
4.6
5.8
8.6
3.0
5.2
4.1
0.4
–
1.6
0.1
0.2
(2)
3.3
4.1
–
2.3
4.1
3.2
3.3
4.1
5.6
2.3
4.1
3.2
–
–
–
–
–
–
4.3
5.8
7.3
4.5
5.7
4.9
4.3
5.9
7.2
4.4
5.6
4.8
0.6
0.8
0.1
0.1
0.3
(2)
6.0
5.6
4.4
–
9.2
–
–
7.9
4.2
6.0
5.2
4.4
11.1
9.2
11.3
–
7.9
4.2
–
0.7
–
–
–
–
–
–
0.5
–
–
3.1
–
4.6
–
–
5.4
–
5.7
6.3
3.1
8.6
4.6
15.9
16.8
5.4
3.6
–
–
–
–
–
–
–
–
–
8.2
11.9
3.7
–
12.0
14.8
6.2
5.9
4.5
8.2
10.2
3.7
14.1
–
–
–
–
–
–
1.9
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are based
on the estimates published in the "National Compensation Survey: Occupational Earnings in the
United States, 2010." See Technical Note for more details.
2 Less than 0.05.
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/glossary20112012.htm.
Table 15. Health maintenance organizations: Amount of annual individual out-of-pocket maximum, private industry workers, National
Compensation Survey, 2011
(All workers participating in health maintenance organizations = 100 percent)
Amount of out-of-pocket maximum
Characteristics
Total
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
100
70
–
$1,500
$1,900
$2,500
$3,500
30
(1)
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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
70
79
65
74
84
73
78
70
66
$1,000
1,000
1,000
1,500
1,500
–
–
–
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,750
1,750
1,900
–
–
2,000
2,000
2,000
2,000
2,500
2,000
2,500
–
2,000
2,500
2,500
3,000
2,500
3,500
3,500
4,000
4,000
2,000
3,500
3,000
3,500
3,000
29
20
35
26
–
27
–
30
33
1
2
( )
–
–
(1)
–
(1)
1
100
100
100
100
100
71
62
60
60
61
–
1,500
500
500
–
1,500
2,000
1,500
–
1,500
–
2,000
1,500
1,500
1,500
3,000
2,500
2,500
2,500
–
–
2,500
3,000
2,500
3,500
–
38
40
40
39
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
100
100
70
62
–
1,000
1,500
1,500
2,000
1,500
2,500
–
3,500
4,000
30
38
(1)
–
Union .......................................................................
Nonunion .................................................................
100
100
66
70
–
1,500
1,500
1,500
–
2,000
2,250
2,500
–
3,500
34
29
1
(1)
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
100
84
79
67
67
69
70
1,500
–
1,500
–
1,000
1,000
1,500
2,000
1,500
1,500
1,500
1,500
1,750
2,000
2,000
1,900
1,500
1,500
2,000
2,500
3,000
3,000
2,500
2,500
–
3,000
4,000
3,500
3,500
3,000
16
–
33
33
30
28
–
–
(1)
(1)
1
2
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
62
79
55
–
–
–
1,500
1,500
1,500
1,500
–
1,500
2,500
3,000
2,250
3,000
4,000
2,500
38
–
45
1
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
100
71
68
65
77
62
81
57
58
–
500
500
–
1,500
–
1,000
1,000
1,500
1,500
–
1,500
1,500
1,500
1,500
–
2,000
1,500
1,500
–
1,500
–
1,750
1,750
2,500
2,000
–
2,000
1,500
3,500
–
–
4,000
3,000
–
3,000
1,500
3,500
3,500
3,500
28
32
35
23
38
–
39
37
(1)
–
–
–
–
–
4
5
All workers ...............................................................
Worker characteristic
1
Establishment characteristic
See footnotes at end of table.
Table 15. Health maintenance organizations: Amount of annual individual out-of-pocket maximum, private industry workers, National
Compensation Survey, 2011—Continued
(All workers participating in health maintenance organizations = 100 percent)
Amount of out-of-pocket maximum
Characteristics
Total
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
100
100
100
100
100
100
100
100
100
57
79
79
92
64
66
53
63
86
–
$1,000
1,500
1,500
–
–
1,000
–
1,500
$1,000
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
$1,500
2,000
2,000
2,500
1,750
2,000
–
–
1,850
$2,000
–
4,000
4,000
–
–
2,000
–
2,000
–
$3,500
4,000
4,000
3,500
3,000
2,500
3,500
3,000
43
–
–
–
36
34
47
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
72
73
71
66
77
56
1,500
1,500
–
1,000
1,500
–
1,500
1,500
1,500
1,500
1,500
–
2,000
2,000
1,500
1,500
1,500
1,500
3,000
3,000
–
2,000
2,000
2,250
4,000
4,000
3,500
3,000
2,500
4,000
27
26
29
33
23
44
1
1
( )
1
( )
(1)
(1)
100
100
100
100
100
100
100
100
100
45
51
66
–
64
70
82
82
90
1,000
–
1,500
–
1,500
500
1,500
1,500
1,500
1,500
1,500
1,500
–
2,000
–
1,500
1,750
1,500
2,000
–
1,500
–
2,000
–
–
2,500
1,500
2,000
2,500
2,000
–
3,000
2,000
–
3,000
3,000
2,000
3,500
2,500
–
4,000
2,000
4,000
4,000
3,500
55
47
34
61
–
–
–
–
–
–
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.
2 The categories are based on the average wage for each occupation surveyed, which may include
workers with earnings both above and below the threshold. The average wages are based on the
estimates published in the "National Compensation Survey: Occupational Earnings in the United States,
2010." 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/glossary20112012.htm.
Table 15. Standard errors for health maintenance organizations: Amount of annual individual out-of-pocket maximum, private
industry workers, National Compensation Survey, 2011
Amount of out-of-pocket maximum
Characteristics
All workers ...............................................................
With out-ofpocket
maximum
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
With no out-ofpocket
90th percentile
maximum
Not
determinable
3.4
–
$0
$190
$63
$537
3.2
0.3
Worker characteristic
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
5.2
5.2
7.4
6.9
13.8
4.9
7.5
5.6
7.6
$67
242
187
0
0
–
–
–
98
0
0
0
0
0
0
0
0
302
305
362
361
–
–
0
177
0
405
553
531
590
–
219
701
357
855
673
277
694
707
0
0
98
491
528
196
5.2
4.0
7.4
6.9
–
4.9
–
5.6
7.8
0.7
1.9
0.1
–
–
0.1
–
0.1
0.7
8.4
10.9
5.6
7.3
7.9
–
0
92
81
–
85
500
98
–
0
–
310
240
260
392
98
171
447
277
–
–
707
405
613
325
–
10.9
5.6
7.3
7.9
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
3.6
6.5
–
39
0
367
193
188
149
–
537
1,059
3.4
6.5
0.3
–
Union .......................................................................
Nonunion .................................................................
6.9
3.4
–
403
139
0
–
240
486
441
–
367
6.7
3.3
0.4
0.3
Average wage within the following categories:1
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
4.6
15.1
6.4
4.9
4.0
5.6
0
–
0
–
0
0
0
219
0
0
0
0
284
148
0
431
380
164
525
481
685
544
277
649
–
570
219
98
628
245
4.6
–
6.4
4.9
3.7
4.4
–
–
0.1
0.1
0.8
2.1
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
5.8
8.5
7.3
–
–
–
0
0
0
277
–
0
0
0
444
0
1,057
0
5.8
–
7.3
0.4
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
3.9
4.1
7.4
6.1
8.9
9.0
7.7
7.0
–
120
0
–
0
–
0
0
0
354
–
0
0
147
277
–
172
0
340
–
0
–
405
389
439
0
–
0
0
803
–
–
651
528
–
597
0
0
219
832
3.8
4.1
7.4
6.1
8.9
–
5.8
5.8
0.3
–
–
–
–
–
4.1
4.9
Establishment characteristic
See footnotes at end of table.
Table 15. Standard errors for health maintenance organizations: Amount of annual individual out-of-pocket maximum, private
industry workers, National Compensation Survey, 2011—Continued
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
With no out-ofpocket
90th percentile
maximum
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
7.5
11.0
8.4
5.4
8.4
8.9
5.2
10.5
8.8
–
$132
0
240
–
–
0
–
0
$139
271
0
364
0
0
260
0
0
$264
570
399
559
486
530
–
–
475
$367
–
754
951
–
–
98
–
0
–
$589
0
0
367
240
51
0
737
7.5
–
–
–
8.4
8.9
5.2
10.5
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
4.3
5.8
7.3
4.5
5.7
4.9
0
0
–
0
0
–
0
366
49
0
0
–
0
294
147
0
170
0
546
714
–
98
0
585
439
380
620
424
0
888
4.3
5.9
7.2
4.4
5.6
4.8
0.6
0.8
0.1
0.1
0.3
(2)
8.2
11.9
3.7
–
12.0
14.8
6.2
5.9
4.5
0
–
240
–
0
0
450
382
277
318
219
0
–
432
–
0
495
0
0
–
325
–
0
–
–
450
138
0
689
0
–
410
0
–
769
365
294
491
0
–
815
110
0
0
694
8.2
10.2
3.7
14.1
–
–
–
–
–
–
1.9
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are based
on the estimates published in the "National Compensation Survey: Occupational Earnings in the
United States, 2010." See Technical Note for more details.
2 Less than 0.05.
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/glossary20112012.htm.
Table 16. Health maintenance organizations: Amount of annual family out-of-pocket maximum, private industry workers, National
Compensation Survey, 2011
(All workers participating in health maintenance organizations = 100 percent)
Amount of out-of-pocket maximum
Characteristics
Total
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
100
69
$3,000
$3,000
$4,000
$6,000
$8,000
30
(1)
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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
70
78
65
74
84
72
78
70
66
2,500
–
3,000
3,000
3,000
3,000
–
3,000
3,000
3,000
3,000
3,000
3,000
3,000
3,000
3,000
3,000
3,000
4,000
3,500
4,000
4,450
–
4,000
4,000
4,000
6,000
6,000
6,000
6,000
–
–
6,000
5,000
6,000
–
8,000
7,000
8,000
8,000
6,000
8,000
7,000
8,000
7,500
30
20
35
26
–
28
–
30
33
1
2
( )
–
–
(1)
–
(1)
1
100
100
100
100
100
71
62
60
60
61
–
3,000
1,250
1,000
–
3,000
4,000
3,000
3,000
3,000
–
6,000
3,000
3,000
3,000
6,000
7,500
5,000
5,000
–
–
7,500
7,000
6,000
8,000
–
38
40
40
39
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
100
100
70
62
3,000
2,500
3,000
3,000
4,000
3,000
6,000
–
8,000
8,000
30
38
(1)
–
Union .......................................................................
Nonunion .................................................................
100
100
66
70
–
3,000
3,000
3,000
3,500
4,000
5,000
6,000
–
8,000
34
30
1
(1)
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
100
84
79
67
66
69
70
3,000
–
3,000
–
2,000
2,000
3,000
4,000
3,000
3,000
3,000
3,000
4,000
4,000
4,000
4,000
3,500
–
6,000
–
6,000
6,000
5,500
5,000
8,000
–
8,000
8,000
8,000
7,000
16
–
33
33
30
28
–
–
(1)
(1)
1
2
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
62
79
55
–
–
–
3,000
3,000
3,000
3,000
–
3,000
5,000
6,000
4,500
6,000
8,000
5,000
38
–
45
1
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
100
71
68
65
77
62
81
56
58
3,000
–
1,000
–
3,000
–
2,000
2,000
3,000
3,000
–
3,000
3,000
3,000
3,000
3,000
4,000
3,000
–
–
3,000
–
4,000
4,000
6,000
4,500
–
–
–
7,000
–
–
8,000
8,000
–
–
4,500
7,000
–
9,000
28
32
35
23
38
–
40
37
(1)
–
–
–
–
–
4
5
All workers ...............................................................
Worker characteristic
1
Establishment characteristic
See footnotes at end of table.
Table 16. Health maintenance organizations: Amount of annual family out-of-pocket maximum, private industry workers, National
Compensation Survey, 2011—Continued
(All workers participating in health maintenance organizations = 100 percent)
Amount of out-of-pocket maximum
Characteristics
Total
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
100
100
100
100
100
100
100
100
100
56
79
79
92
63
66
52
63
84
–
$2,000
3,000
3,000
3,000
–
2,000
3,000
3,000
–
$3,000
3,000
3,500
3,000
–
3,000
3,000
–
$4,000
–
5,000
5,000
4,000
4,000
3,800
–
4,500
$4,500
7,000
8,000
8,000
6,000
–
4,500
6,000
6,000
–
$9,000
8,000
8,000
7,000
6,000
5,000
7,000
6,000
44
–
–
–
37
34
48
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
72
73
71
66
77
56
3,000
3,000
–
2,400
3,000
–
3,000
3,500
3,000
3,000
3,000
3,000
4,500
5,000
3,000
3,000
3,000
–
7,000
7,000
6,000
4,500
4,500
–
8,000
8,000
8,000
8,000
6,000
8,000
27
26
29
34
23
44
1
1
( )
1
( )
(1)
(1)
100
100
100
100
100
100
100
100
100
45
51
66
–
64
70
82
81
89
2,000
–
3,000
–
3,500
1,500
3,000
3,000
3,000
3,000
3,000
3,000
–
4,000
–
3,000
4,000
3,000
4,000
–
3,000
–
5,000
–
–
5,000
4,000
4,000
5,000
4,500
–
6,000
–
–
7,500
6,000
–
8,000
5,000
–
9,000
6,000
8,000
8,000
8,000
55
47
34
61
–
–
–
–
–
–
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.
2 The categories are based on the average wage for each occupation surveyed, which may include
workers with earnings both above and below the threshold. The average wages are based on the
estimates published in the "National Compensation Survey: Occupational Earnings in the United States,
2010." 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/glossary20112012.htm.
Table 16. Standard errors for health maintenance organizations: Amount of annual family out-of-pocket maximum, private
industry workers, National Compensation Survey, 2011
Amount of out-of-pocket maximum
Characteristics
All workers ...............................................................
With out-ofpocket
maximum
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
3.4
$537
$0
$98
$0
$196
3.3
0.3
Worker characteristic
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
5.2
5.2
7.4
6.9
13.8
4.9
7.5
5.6
7.6
659
–
702
0
0
799
–
667
196
0
0
0
0
0
0
310
0
658
600
628
380
956
–
170
240
460
1,340
294
766
471
–
–
1,604
465
1,727
–
1,144
707
628
0
0
1,210
1,092
707
98
5.2
4.0
7.4
6.9
–
4.9
–
5.6
7.8
0.7
1.9
0.1
–
–
0.1
–
0.1
0.7
8.4
10.9
5.6
7.3
7.9
–
0
304
232
–
196
1,101
0
669
0
–
797
460
519
764
196
1,691
580
340
–
–
0
1,428
1,177
1,127
–
10.9
5.6
7.3
7.9
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
3.6
6.5
510
581
0
98
0
276
0
–
240
2,278
3.5
6.5
0.3
–
Union .......................................................................
Nonunion .................................................................
6.9
3.5
–
260
0
0
901
139
1,327
240
–
380
6.7
3.4
0.4
0.3
Average wage within the following categories:1
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
4.6
15.1
6.4
4.9
4.1
5.6
0
–
0
–
552
504
0
378
0
0
0
0
620
264
698
354
827
–
1,573
–
1,234
1,161
776
546
1,241
–
0
1,144
1,181
1,331
4.6
–
6.4
4.9
3.8
4.4
–
–
0.1
0.1
0.8
2.1
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
5.8
8.5
7.3
–
–
–
0
0
0
620
–
98
196
0
741
0
2,113
0
5.8
–
7.3
0.4
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
4.0
4.1
7.4
6.1
8.9
9.0
7.7
7.0
487
–
0
–
0
–
193
0
0
643
–
0
0
481
139
496
88
196
–
–
0
–
665
510
524
1,256
–
–
–
555
–
–
98
2,194
–
–
0
0
–
2,481
3.9
4.1
7.4
6.1
8.9
–
5.9
5.8
0.3
–
–
–
–
–
4.1
4.9
Establishment characteristic
See footnotes at end of table.
Table 16. Standard errors for health maintenance organizations: Amount of annual family out-of-pocket maximum, private
industry workers, National Compensation Survey, 2011—Continued
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
7.6
11.0
8.4
5.4
8.4
8.9
5.3
10.5
9.9
–
$396
0
340
0
–
0
0
0
–
$308
98
694
0
–
0
0
–
$450
–
946
694
623
0
1,131
–
326
$721
1,905
680
1,110
1,330
–
405
1,654
1,061
–
$2,387
0
0
240
747
270
0
0
7.6
–
–
–
8.4
8.9
5.3
10.5
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
4.3
5.8
7.3
4.6
5.7
5.0
0
0
–
718
0
–
170
460
98
0
0
240
694
340
325
276
832
–
1,316
1,020
966
537
546
–
367
294
1,225
1,602
503
0
4.3
5.9
7.2
4.5
5.6
5.0
0.6
0.8
0.1
0.1
0.3
(2)
8.2
11.9
3.7
–
12.0
14.8
6.2
5.9
4.9
0
–
310
–
809
0
899
0
98
0
340
0
–
0
–
98
1,173
0
0
–
687
–
663
–
–
196
1,167
0
1,348
971
–
1,204
–
–
1,755
1,373
–
1,788
819
–
374
0
0
0
754
8.2
10.3
3.7
14.1
–
–
–
–
–
–
1.9
–
–
–
–
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are based
on the estimates published in the "National Compensation Survey: Occupational Earnings in the
United States, 2010." See Technical Note for more details.
2 Less than 0.05.
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/glossary20112012.htm.
Table 17. High deductible health plans:1 Amount of annual individual deductible, private
industry workers, National Compensation Survey, 2011
(Includes workers participating in high deductible health plans)
Amount of annual deductible
Characteristics
All workers ...............................................................
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
$1,250
$1,500
$2,000
$2,500
$3,000
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
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1,200
1,250
1,200
1,250
1,400
1,500
1,350
1,250
1,250
1,250
1,250
1,300
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,750
1,500
1,500
1,300
1,500
2,000
2,000
2,000
2,000
2,000
2,000
1,800
2,400
2,400
–
1,800
1,500
2,500
2,500
2,400
2,500
2,500
2,500
2,500
2,500
3,000
2,500
2,500
2,500
3,000
2,750
3,000
–
3,000
3,000
2,650
3,000
3,000
3,000
3,000
3,000
Full time ...................................................................
Part time ..................................................................
1,250
1,250
1,500
1,400
2,000
1,800
2,500
2,500
3,000
2,700
Union .......................................................................
Nonunion .................................................................
1,250
1,250
1,300
1,500
1,500
2,000
–
2,500
2,500
3,000
Average wage within the following categories:2
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
1,250
1,250
1,250
1,250
1,200
1,350
1,500
1,500
1,500
1,300
2,000
2,000
2,000
1,750
2,000
2,500
2,500
2,500
2,500
2,500
–
3,000
3,000
2,500
2,500
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1,250
1,500
1,250
1,500
2,000
1,350
2,000
2,400
–
2,500
2,500
2,500
3,000
2,500
3,000
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1,250
1,250
1,500
1,250
1,200
1,200
1,200
1,500
1,500
1,500
1,500
1,200
1,260
1,300
2,000
2,500
2,500
–
1,250
1,500
1,500
2,500
2,500
2,500
2,500
–
2,000
2,000
3,000
3,000
3,000
3,000
2,100
2,500
2,500
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 17. High deductible health plans:1 Amount of annual individual deductible, private
industry workers, National Compensation Survey, 2011—Continued
(Includes workers participating in high deductible health plans)
Amount of annual deductible
Characteristics
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Healthcare and social assistance ....................
$1,200
1,200
1,300
1,250
1,250
$1,500
1,260
1,500
1,500
1,500
$1,500
1,500
1,750
2,000
2,000
$2,100
2,000
2,250
2,400
2,500
$2,500
2,500
2,500
3,000
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
1,250
1,500
1,250
1,200
1,250
1,200
1,500
1,500
1,500
1,300
1,300
1,300
2,000
2,000
2,000
1,500
1,500
1,500
2,500
2,500
2,500
2,400
2,400
2,400
3,000
3,000
3,000
2,700
3,000
2,600
1,350
1,250
1,250
1,250
1,500
1,200
1,260
1,500
1,250
–
1,500
1,300
1,500
1,500
1,250
1,500
2,000
1,250
2,400
2,000
2,000
1,750
2,000
2,300
2,000
–
1,500
2,500
2,500
2,500
2,500
2,300
2,500
3,000
3,000
2,500
3,000
–
2,500
–
2,500
3,000
3,000
3,000
3,000
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 A high deductible health plan (HDHP) is a health plan which
typically has a higher deductible and lower premium than a
traditional health plan. An individual plan must have a minimum
deductible of $1,200 to be classified as a HDHP. Normally the plan
includes catastrophic coverage to protect against large medical
expenses, but the insured is responsible for routine out-of-pocket
expenses.
2 The categories are based on the average wage for each
occupation surveyed, which may include workers with earnings
both above and below the threshold. The average wages are based
on the estimates published in the "National Compensation Survey:
Occupational Earnings in the United States, 2010." 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/glossary20112012.htm.
Table 17. Standard errors for high deductible health plans:1 Amount of annual individual
deductible, private industry workers, National Compensation Survey, 2011
Amount of annual deductible
Characteristics
All workers ...............................................................
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
$0
$0
$0
$0
$0
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
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
67
22
49
0
180
147
174
268
175
0
0
269
201
116
261
152
0
0
0
318
298
245
206
0
245
0
329
0
167
432
430
465
352
–
505
141
240
28
468
0
0
0
87
694
522
39
422
0
346
439
402
–
345
147
447
0
0
0
0
410
Full time ...................................................................
Part time ..................................................................
0
71
0
261
0
445
0
0
0
294
Union .......................................................................
Nonunion .................................................................
10
0
271
0
0
0
–
0
0
0
Average wage within the following categories:2
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
0
31
156
64
0
209
0
0
152
74
572
0
49
182
425
294
104
0
20
28
–
0
0
214
303
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
17
353
0
169
88
156
104
296
–
98
0
669
0
392
392
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
0
186
0
0
0
10
22
0
20
393
417
0
61
163
36
325
0
–
137
0
0
0
68
701
68
–
0
94
88
0
0
555
600
42
72
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 17. Standard errors for high deductible health plans:1 Amount of annual individual
deductible, private industry workers, National Compensation Survey, 2011—Continued
Amount of annual deductible
Characteristics
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Healthcare and social assistance ....................
$69
14
243
196
165
$39
48
0
0
94
$198
0
214
201
208
$402
175
352
252
109
$93
104
680
675
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
311
100
86
46
63
10
0
0
102
58
95
53
0
0
280
0
34
0
0
0
284
256
301
410
0
0
196
369
615
321
150
0
31
148
175
28
189
193
33
–
193
189
0
0
329
0
286
182
446
325
548
447
237
479
572
–
126
193
0
34
78
391
446
432
546
421
572
–
466
–
586
399
0
0
680
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 A high deductible health plan (HDHP) is a health plan which
typically has a higher deductible and lower premium than a
traditional health plan. An individual plan must have a minimum
deductible of $1,200 to be classified as a HDHP. Normally the plan
includes catastrophic coverage to protect against large medical
expenses, but the insured is responsible for routine out-of-pocket
expenses.
2 The categories are based on the average wage for each
occupation surveyed, which may include workers with earnings
both above and below the threshold. The average wages are based
on the estimates published in the "National Compensation Survey:
Occupational Earnings in the United States, 2010." 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/glossary20112012.htm.
Table 18. Outpatient prescription drug benefits:1 Type of coverage, private industry
workers, National Compensation Survey, 2011
(All workers participating in outpatient prescription drug plans = 100 percent)
Characteristics
All workers ...............................................................
Generic
drugs
Brand-name
drugs
Mail order
drugs
Coverage for
formulary drugs
100
99
84
79
Worker characteristic
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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
98
98
98
100
99
99
98
99
99
88
87
88
83
73
83
82
84
77
85
86
85
72
71
82
78
83
66
100
100
100
100
100
100
99
99
99
99
66
83
84
83
85
60
70
77
76
78
Full time ...................................................................
Part time ..................................................................
100
100
99
100
85
78
80
71
Union .......................................................................
Nonunion .................................................................
100
100
100
99
84
84
67
82
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
100
99
99
99
98
99
99
81
58
85
82
87
90
73
–
82
79
81
85
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
100
100
100
82
68
85
74
67
75
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
100
99
99
96
100
93
100
99
99
85
78
69
75
94
96
93
94
81
83
72
86
82
90
84
88
Establishment characteristic
See footnotes at end of table.
Table 18. Outpatient prescription drug benefits:1 Type of coverage, private industry
workers, National Compensation Survey, 2011—Continued
(All workers participating in outpatient prescription drug plans = 100 percent)
Characteristics
Generic
drugs
Brand-name
drugs
Mail order
drugs
Coverage for
formulary drugs
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
100
100
100
100
100
100
100
100
100
98
100
100
100
97
100
100
97
99
90
96
86
82
86
82
79
87
92
89
87
81
84
79
82
82
78
76
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
98
99
98
99
99
99
77
77
79
90
87
94
73
70
80
85
82
88
100
100
100
100
100
100
100
100
100
100
99
99
100
99
99
96
100
100
92
86
83
81
80
87
87
82
87
91
82
72
85
78
83
86
81
76
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Outpatient prescription drug benefits include both
stand-alone drug plans and prescription drug benefits included
as part of a medical plan.
2 The categories are based on the average wage for each
occupation surveyed, which may include workers with earnings
both above and below the threshold. The average wages are
based on the estimates published in the "National
Compensation Survey: Occupational Earnings in the United
States, 2010." 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/glossary20112012.htm.
Table 18. Standard errors for outpatient prescription drug benefits:1 Type of
coverage, private industry workers, National Compensation Survey, 2011
Characteristics
Generic
drugs
Brand-name
drugs
Mail order
drugs
Coverage for
formulary drugs
(2)
0.4
1.4
1.4
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
0.1
0.1
0.2
0.1
(2)
0.1
0.1
(2)
(2)
0.8
0.9
1.2
0.2
0.8
0.6
1.2
0.4
0.4
1.5
2.2
2.0
3.0
17.2
2.2
3.3
2.3
4.4
2.3
2.2
3.2
4.4
18.1
2.1
3.3
2.6
4.3
(2)
(2)
(2)
(2)
(2)
(2)
0.7
0.4
0.3
0.5
9.0
3.5
2.9
4.3
2.5
8.0
5.0
2.9
4.1
3.6
Full time ...................................................................
Part time ..................................................................
0.1
(2)
0.4
(2)
1.4
4.7
1.4
5.2
Union .......................................................................
Nonunion .................................................................
0.3
(2)
0.3
0.4
4.3
1.3
4.7
1.3
Average wage within the following categories:3
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
(2)
(2)
(2)
0.1
0.1
0.1
0.7
0.5
0.3
0.7
0.4
0.2
4.2
8.0
1.7
2.2
1.6
1.9
4.6
–
2.1
2.4
1.7
1.6
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
(2)
(2)
(2)
0.1
(2)
0.2
3.3
6.6
3.4
3.1
6.1
3.6
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
0.1
(2)
(2)
(2)
(2)
0.4
0.3
0.3
0.5
0.7
2.8
0.1
3.0
0.4
0.8
0.8
1.3
2.3
5.2
4.1
5.1
2.2
1.4
1.5
1.4
2.4
5.9
3.4
5.6
3.0
2.6
1.8
All workers ...............................................................
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 18. Standard errors for outpatient prescription drug benefits:1 Type of
coverage, private industry workers, National Compensation Survey,
2011—Continued
Characteristics
Generic
drugs
Brand-name
drugs
Mail order
drugs
Coverage for
formulary drugs
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
(2)
0.1
(2)
(2)
0.2
(2)
(2)
0.3
(2)
1.7
0.2
(2)
(2)
1.8
(2)
(2)
2.2
0.6
3.2
1.5
3.6
4.9
2.3
4.8
5.0
2.8
3.5
3.4
3.0
4.0
5.2
4.0
4.3
3.9
4.7
6.7
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
(2)
(2)
(2)
0.1
(2)
0.2
0.8
0.6
2.1
0.2
0.3
0.2
2.3
2.6
4.4
1.2
1.9
1.1
2.4
3.0
4.1
1.3
1.9
1.6
(2)
0.3
(2)
(2)
(2)
(2)
0.3
(2)
(2)
(2)
0.2
0.5
0.2
0.8
0.6
3.0
(2)
0.3
2.0
1.5
3.2
5.0
5.0
3.4
2.2
5.2
2.9
2.3
4.9
3.9
3.5
2.9
4.8
3.0
4.7
3.3
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Outpatient prescription drug benefits include both
stand-alone drug plans and prescription drug benefits included
as part of a medical plan.
2 Less than 0.05.
3 The categories are based on the average wage for each
occupation surveyed, which may include workers with earnings
both above and below the threshold. The average wages are
based on the estimates published in the "National
Compensation Survey: Occupational Earnings in the United
States, 2010." 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/glossary20112012.htm.
Table 19. Outpatient prescription drug benefits:1 Copayment provisions, private industry workers, National Compensation
Survey, 2011
(All workers participating in outpatient prescription drug plans with a generic drug or brand-name drug provision = 100 percent)
Generic drugs2
Characteristics
Copayment
All workers ...............................................................
No
copayment
Brand-name drugs3
Median
copayment
per
prescription
Not
determinable
Copayment
No
copayment
Median
copayment
per
prescription
Not
determinable
84
14
2
$10
80
18
2
$30
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
86
86
86
85
60
85
86
85
77
13
12
14
13
–
12
11
12
21
1
2
( )
3
–
3
3
3
2
10
10
10
10
10
10
10
10
10
82
80
83
84
55
81
83
80
75
17
18
16
13
–
17
15
18
23
1
2
( )
3
–
2
2
2
2
25
25
25
30
25
30
30
30
30
82
74
82
80
83
15
25
16
18
14
3
2
2
2
3
10
10
10
10
10
86
69
77
75
80
–
30
21
24
17
–
1
2
2
3
25
30
25
25
30
Full time ...................................................................
Part time ..................................................................
84
82
14
16
2
1
10
10
81
77
18
21
2
1
30
30
Union .......................................................................
Nonunion .................................................................
78
85
21
13
1
2
10
10
78
81
21
17
1
2
25
30
Average wage within the following categories:5
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
87
79
85
82
84
87
11
–
13
16
14
12
1
–
2
3
1
1
10
10
10
10
10
10
83
72
81
79
80
82
15
26
17
19
18
18
2
2
2
2
1
1
30
30
30
30
25
25
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
83
87
81
15
13
17
2
–
3
10
10
10
78
87
73
20
–
24
2
–
3
25
30
25
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
84
85
75
89
76
88
81
84
14
12
16
10
23
12
15
11
2
2
8
(4)
1
(4)
4
5
10
10
10
10
–
10
10
10
81
82
76
83
68
82
69
69
17
16
18
16
31
18
28
27
2
2
6
(4)
1
(4)
3
4
30
30
30
30
–
25
30
30
Worker characteristic
4
4
Establishment characteristic
See footnotes at end of table.
Table 19. Outpatient prescription drug benefits:1 Copayment provisions, private industry workers, National Compensation
Survey, 2011—Continued
(All workers participating in outpatient prescription drug plans with a generic drug or brand-name drug provision = 100 percent)
Generic drugs2
Characteristics
Copayment
No
copayment
Brand-name drugs3
Median
copayment
per
prescription
Not
determinable
Copayment
No
copayment
Median
copayment
per
prescription
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
82
86
84
84
84
89
87
83
88
10
13
15
15
15
–
12
15
–
8
1
1
1
1
–
4
( )
2
–
$10
10
10
10
10
10
10
10
10
63
75
80
80
85
91
88
84
89
31
24
19
19
13
–
12
14
–
6
1
1
1
1
–
1
2
–
$30
30
25
25
30
25
25
30
25
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
83
81
86
85
85
85
15
16
12
13
13
14
3
3
1
1
2
1
10
10
10
10
10
10
81
78
87
80
81
79
17
20
12
18
17
20
2
3
1
1
2
1
30
30
30
25
25
25
86
85
75
86
85
83
89
84
88
–
–
23
14
12
17
–
–
12
–
–
2
4
( )
4
(4)
–
–
1
10
10
10
10
10
10
10
10
10
86
80
72
76
83
80
81
82
88
–
19
26
24
14
19
16
14
11
–
1
2
4
( )
3
(4)
3
4
1
25
30
30
30
30
30
30
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 Outpatient prescription drug benefits include both stand-alone drug plans and prescription
drug benefits included as part of a medical plan.
2 All workers participating in an outpatient prescription drug plan with a generic drug provision
equals 100 percent.
3 All workers participating in an outpatient prescription drug plan with a brand-name drug
provision equals 100 percent.
4 Less than 0.5.
5 The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are based
on the estimates published in the "National Compensation Survey: Occupational Earnings in the
United States, 2010." 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/glossary20112012.htm.
Table 19. Standard errors for outpatient prescription drug benefits:1 Copayment provisions, private industry workers, National
Compensation Survey, 2011
Generic drugs
Characteristics
Copayment
All workers ...............................................................
No
copayment
Brand-name drugs
Not
determinable
Median
copayment
per
prescription
Copayment
No
copayment
Not
determinable
Median
copayment
per
prescription
1.2
1.1
0.4
$0
1.3
1.2
0.4
$0
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
1.9
2.2
2.6
3.3
16.4
2.0
2.7
2.3
4.0
1.9
2.0
2.6
3.0
–
1.8
2.2
2.3
3.9
0.2
0.7
0.1
0.9
–
0.8
1.8
0.6
0.8
0
0
0
0
1
0
0
0
0
1.9
2.5
2.6
3.1
16.2
2.3
2.9
2.7
4.2
1.9
2.4
2.6
2.9
–
2.2
2.5
2.6
4.0
0.3
0.7
0.1
0.9
–
0.6
1.6
0.5
0.7
2
1
5
2
3
0
0
0
0
4.3
5.5
3.0
4.5
3.0
4.0
5.6
2.9
4.4
2.5
1.7
0.8
1.0
1.0
1.7
0
0
0
0
0
5.0
5.4
3.2
4.5
3.4
–
5.4
3.1
4.5
2.9
–
0.5
1.0
1.1
1.8
7
0
3
0
5
Full time ...................................................................
Part time ..................................................................
1.2
3.2
1.1
3.3
0.4
0.6
0
0
1.3
3.9
1.3
3.9
0.4
0.6
0
6
Union .......................................................................
Nonunion .................................................................
3.0
1.2
3.0
1.1
0.7
0.4
0
0
3.1
1.3
3.1
1.3
0.7
0.4
4
0
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.3
6.7
1.9
1.8
1.6
2.0
2.3
–
1.9
1.7
1.6
2.0
0.4
–
0.6
0.7
0.5
0.2
0
0
0
0
0
0
3.0
7.7
1.9
2.0
1.7
2.0
3.0
7.6
1.8
1.9
1.7
2.0
0.4
1.1
0.6
0.6
0.5
0.2
0
2
0
1
0
0
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
3.0
3.6
3.9
2.9
3.6
3.7
0.8
–
1.1
0
0
0
3.2
4.0
4.2
3.1
–
4.0
0.8
–
1.1
2
2
0
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.4
2.1
5.8
2.5
6.7
3.4
3.1
2.0
1.3
1.8
4.3
2.5
6.6
3.4
2.9
1.3
0.4
1.2
4.6
0.3
1.0
(3)
1.3
1.5
0
0
0
0
–
(4)
0
0
1.4
2.1
5.5
3.0
8.2
4.0
3.4
2.9
1.4
2.0
4.4
3.1
8.1
4.0
3.1
2.4
0.4
1.1
4.0
0.3
1.1
(3)
0.8
0.9
0
0
4
0
–
0
0
0
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 19. Standard errors for outpatient prescription drug benefits:1 Copayment provisions, private industry workers, National
Compensation Survey, 2011—Continued
Generic drugs
Characteristics
Copayment
No
copayment
Brand-name drugs
Not
determinable
Median
copayment
per
prescription
Copayment
No
copayment
Not
determinable
Median
copayment
per
prescription
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
3.4
2.9
3.1
3.3
3.6
3.8
3.4
4.2
4.7
1.8
2.8
3.0
3.2
3.5
–
3.4
4.2
–
2.7
0.6
0.6
1.0
0.6
–
0.3
0.7
–
$0
0
0
0
0
0
0
0
0
4.1
3.5
3.2
3.3
3.3
2.6
3.2
4.0
4.3
3.7
3.4
3.2
3.2
3.3
–
3.2
4.0
–
1.7
0.5
0.6
1.0
0.6
–
0.3
0.7
–
$0
0
1
1
2
5
2
2
5
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
1.7
2.0
3.3
1.7
2.4
1.9
1.6
1.9
3.3
1.6
2.3
1.9
0.7
0.9
0.9
0.3
0.5
0.4
0
0
0
0
0
0
1.8
2.2
2.9
1.9
2.7
2.3
1.7
2.1
2.8
1.8
2.6
2.3
0.6
0.8
0.9
0.4
0.5
0.4
0
2
1
0
0
0
6.6
4.6
3.6
2.2
2.1
4.3
3.0
3.4
3.1
–
–
3.6
2.3
1.9
4.2
–
–
3.0
–
–
0.6
0.5
1.7
0.2
–
–
0.3
0
0
0
0
0
0
0
0
0
6.2
5.0
4.0
2.6
2.4
5.2
4.2
3.6
3.2
–
4.7
4.0
2.8
2.1
5.2
3.6
4.0
3.0
–
0.5
0.6
0.5
1.6
0.2
1.4
2.4
0.3
4
6
5
0
1
0
0
0
0
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Outpatient prescription drug benefits include both stand-alone drug plans and prescription
drug benefits included as part of a medical plan.
2 The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are based
on the estimates published in the "National Compensation Survey: Occupational Earnings in the
United States, 2010." See Technical Note for more details.
3
4
Less than 0.05.
Less than 0.5.
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/glossary20112012.htm.
Additional Provisions Tables
Types of Benefits:

Medical care benefits

Fee-for-service plans

Health maintenance organizations

Selected benefits by type of plan

Mental healthcare and substance abuse treatment benefits

Dental care benefits

Vision care benefits
Table 20. Medical care benefits: Eligibility requirements, private industry workers, National Compensation Survey, 2011
(All workers participating in medical care plans = 100 percent)
Service requirement
Characteristics
All workers ...............................................................
Total
With service
requirement
1 month
2 months
3 months
Greater than
3 months
Not
determinable
Median
service
requirement
(in months)
With no service
requirement
Not
determinable
100
61
25
5
22
8
1
–
25
14
Worker characteristic
Management, professional, and related ..................
Professional and related ......................................
Service .....................................................................
Protective 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
49
53
71
63
63
65
62
69
27
28
23
–
25
16
29
22
4
–
–
–
6
–
–
5
15
18
29
–
22
26
19
24
2
–
10
–
10
19
6
17
1
1
–
–
1
–
–
1
1
–
3
–
–
3
–
3
35
34
15
–
23
20
24
15
16
14
13
–
14
15
14
15
100
100
100
100
100
72
68
69
68
70
13
28
24
28
18
–
–
8
8
–
23
26
28
24
32
30
–
10
8
13
–
(1)
1
( )
(1)
–
3
–
3
–
3
11
18
20
22
18
17
14
11
10
11
Full time ...................................................................
Part time ..................................................................
100
100
61
63
26
14
5
–
22
15
7
24
1
–
–
3
25
23
14
14
Union .......................................................................
Nonunion .................................................................
100
100
58
62
15
26
–
6
22
22
17
7
–
1
3
2
33
23
9
15
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
100
72
76
68
63
51
47
16
–
26
26
26
28
–
–
6
5
4
–
31
19
26
23
14
11
15
25
10
7
6
–
–
(1)
1
1
1
–
3
3
3
–
–
1
12
–
19
24
34
36
16
–
13
13
16
16
Goods-producing industries .....................................
Manufacturing ......................................................
100
100
65
63
22
23
8
9
24
23
11
7
(1)
–
3
–
22
26
14
12
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Professional and business services .....................
100
100
100
100
100
100
100
100
100
60
69
67
75
47
52
48
55
47
25
17
35
9
28
35
37
42
22
5
4
–
–
–
–
–
–
–
21
30
21
32
–
10
–
–
14
7
17
–
29
–
–
–
–
–
1
(1)
1
( )
–
(1)
(1)
(1)
–
4
–
3
–
3
–
1
1
1
–
26
20
18
13
49
33
36
32
37
14
11
15
12
4
15
16
13
16
Establishment characteristic
See footnotes at end of table.
Table 20. Medical care benefits: Eligibility requirements, private industry workers, National Compensation Survey, 2011—Continued
(All workers participating in medical care plans = 100 percent)
Service requirement
Characteristics
Total
With service
requirement
1 month
2 months
3 months
Greater than
3 months
Not
determinable
Median
service
requirement
(in months)
With no service
requirement
Not
determinable
Professional and technical services .................
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
100
100
43
65
20
38
–
–
–
19
–
–
6
(1)
–
1
44
21
14
14
100
100
100
53
69
76
39
41
–
–
–
–
12
19
41
–
–
14
–
(1)
3
1
1
3
39
18
–
8
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
67
67
67
56
62
49
25
26
23
25
26
23
5
4
–
6
6
–
29
29
28
16
18
14
6
5
–
9
13
5
2
3
( )
(1)
(1)
–
3
3
3
2
–
2
19
18
22
29
24
36
14
15
11
14
14
15
100
100
100
100
100
100
100
100
54
62
67
60
72
77
66
51
19
25
32
22
30
31
25
24
–
–
–
–
–
8
–
–
18
24
27
24
27
29
24
14
9
7
–
10
–
6
–
8
–
–
(1)
–
1
3
1
–
–
–
–
3
–
–
–
–
29
23
20
26
17
17
23
32
17
14
13
13
11
6
11
17
1
Geographic area
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Less than 0.5.
2 The categories are based on the average wage for each occupation surveyed, which may include
workers with earnings both above and below the threshold. The average wages are based on the estimates
published in the "National Compensation Survey: Occupational Earnings in the United States, 2010." 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/glossary20112012.htm.
Table 20. Standard errors for medical care benefits: Eligibility requirements, private industry workers, National Compensation
Survey, 2011
Service requirement
Characteristics
All workers ...............................................................
With service
requirement
1 month
2 months
3 months
Greater than
3 months
Not
determinable
Median
service
requirement
(in months)
With no service
requirement
Not
determinable
1.5
1.4
0.9
1.4
0.8
0.3
–
1.3
0.9
Management, professional, and related ..................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
3.0
3.9
4.6
13.4
2.0
3.2
2.3
3.3
2.3
3.1
3.7
–
2.3
2.7
2.8
4.2
1.0
–
–
–
1.5
–
–
1.2
2.6
3.8
4.4
–
1.7
2.5
2.1
3.2
0.4
–
2.2
–
1.2
2.4
1.1
3.9
0.5
0.9
–
–
0.4
–
–
0.6
0.0
–
0.0
–
–
0.0
–
0.0
2.7
3.7
4.0
–
1.9
2.7
2.3
2.4
1.4
1.8
3.8
–
1.6
2.8
1.6
2.9
4.8
4.8
3.2
3.8
4.0
3.2
6.0
3.1
4.5
3.6
–
–
1.7
2.2
–
5.6
4.0
3.3
3.9
4.9
8.1
–
1.5
1.7
2.8
–
0.1
0.2
(1)
–
0.4
–
0.0
–
0.0
2.6
3.6
2.4
3.2
2.9
4.6
3.9
1.6
1.7
3.0
Full time ...................................................................
Part time ..................................................................
1.6
4.3
1.4
3.1
0.9
–
1.5
2.6
0.8
3.0
0.3
–
–
0.0
1.4
4.0
0.9
3.4
Union .......................................................................
Nonunion .................................................................
3.7
1.6
2.2
1.6
–
0.9
3.4
1.7
3.2
0.7
–
0.4
0.0
0.3
3.5
1.4
1.5
1.0
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
3.6
6.5
3.1
2.0
2.1
2.8
3.2
–
1.9
2.2
1.8
2.9
–
–
1.2
1.1
0.9
–
4.4
3.8
2.8
2.1
1.2
1.5
2.3
5.9
1.3
1.2
1.1
–
–
0.3
0.4
0.3
0.5
–
0.0
0.6
0.3
–
–
0.0
2.5
–
2.6
2.0
1.9
2.8
3.1
–
2.2
1.2
1.2
1.9
Goods-producing industries .....................................
Manufacturing ......................................................
3.2
4.2
2.9
3.6
1.6
2.2
2.6
3.2
2.1
1.9
0.2
–
0.4
–
3.0
4.0
1.7
2.2
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Professional and business services .....................
1.7
2.6
5.7
3.4
7.3
3.1
3.8
4.7
4.6
1.6
2.3
6.1
2.3
7.2
3.1
3.2
5.1
3.2
1.0
1.0
–
–
–
–
–
–
–
1.7
2.8
4.2
3.2
–
2.5
–
–
3.5
0.8
1.6
–
3.2
–
–
–
–
–
0.4
0.2
0.1
–
0.2
0.1
0.1
–
1.8
–
0.0
–
0.0
–
0.0
0.0
0.0
–
1.5
2.0
4.5
2.8
7.6
3.7
4.3
4.6
3.9
1.1
2.2
3.7
2.9
3.5
3.0
2.9
4.5
3.1
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 20. Standard errors for medical care benefits: Eligibility requirements, private industry workers, National Compensation
Survey, 2011—Continued
Service requirement
Characteristics
With service
requirement
1 month
2 months
3 months
Greater than
3 months
Not
determinable
Median
service
requirement
(in months)
With no service
requirement
Not
determinable
Professional and technical services .................
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
6.5
4.7
4.4
4.0
–
–
–
4.1
–
–
3.3
0.1
–
0.0
5.9
3.9
4.0
3.0
3.8
5.2
7.4
4.2
4.6
–
–
–
–
3.4
4.5
8.6
–
–
4.1
–
0.1
2.5
0.0
0.0
0.0
3.5
4.8
–
1.7
2.9
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
2.6
2.9
4.7
1.9
3.0
2.5
2.2
2.5
4.1
1.7
2.5
1.9
1.1
1.0
–
1.2
1.4
–
2.6
2.8
5.0
1.4
2.0
1.6
1.3
1.3
–
0.9
1.6
1.1
0.7
1.1
0.3
0.1
0.1
–
0.0
0.6
0.3
0.0
–
0.5
1.9
2.1
3.8
1.8
2.5
2.2
1.5
2.0
2.3
1.3
2.3
1.4
3.8
4.4
4.0
3.8
7.2
3.9
4.4
2.3
4.3
3.2
6.9
2.0
6.3
5.0
6.0
4.1
–
–
–
–
–
2.2
–
–
2.8
3.2
6.9
3.4
7.3
5.5
6.9
2.4
2.7
1.0
–
2.2
–
1.6
–
2.1
–
–
0.2
–
0.8
2.2
0.3
–
–
–
–
0.0
–
–
–
–
2.8
3.9
4.1
3.5
5.2
3.2
3.3
3.3
2.2
1.9
2.4
2.1
5.5
1.9
3.0
3.2
Geographic area
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 Less than 0.05.
2 The categories are based on the average wage for each occupation surveyed, which may include
workers with earnings both above and below the threshold. The average wages are based on the
estimates published in the "National Compensation Survey: Occupational Earnings in the United States,
2010." 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/glossary20112012.htm.
Table 21. Medical care benefits: Coverage for selected services, private industry
workers, National Compensation Survey, 2011
(All workers participating in medical care plans = 100 percent)
Characteristics
All workers ...............................................................
Hospital
room and
board
Inpatient
surgery
Outpatient
surgery
Physician
office visit
99
97
96
99
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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
99
99
99
99
99
100
95
94
96
99
95
97
98
97
97
95
94
96
98
94
97
98
96
95
100
100
99
99
100
99
98
99
99
100
100
99
99
99
95
98
96
95
98
94
96
96
95
98
97
100
98
99
97
Full time ...................................................................
Part time ..................................................................
99
100
96
99
96
98
99
–
Union .......................................................................
Nonunion .................................................................
100
99
97
96
97
96
96
99
Average wage within the following categories:1
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
99
99
99
99
96
96
98
96
96
96
96
96
97
95
96
96
98
98
98
99
100
100
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
99
100
99
94
95
94
94
92
94
99
99
99
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
99
99
99
99
99
99
99
98
97
97
95
98
99
99
97
97
97
97
95
98
99
98
97
96
99
97
99
–
96
100
100
100
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 21. Medical care benefits: Coverage for selected services, private industry
workers, National Compensation Survey, 2011—Continued
(All workers participating in medical care plans = 100 percent)
Characteristics
Hospital
room and
board
Inpatient
surgery
Outpatient
surgery
Physician
office visit
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
98
98
98
100
99
97
99
99
100
96
97
97
100
96
99
97
96
98
95
95
97
100
96
96
97
96
98
100
100
100
100
100
98
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
99
99
99
98
97
98
96
96
96
96
97
97
96
96
96
96
99
99
100
99
97
100
97
98
99
100
99
100
100
99
100
96
95
98
98
94
99
99
99
95
94
96
97
97
94
99
98
99
95
98
99
99
99
98
100
100
100
99
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The categories are based on the average wage for each
occupation surveyed, which may include workers with
earnings both above and below the threshold. The average
wages are based on the estimates published in the "National
Compensation Survey: Occupational Earnings in the United
States, 2010." 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/glossary20112012.htm.
Table 21. Standard errors for medical care benefits: Coverage for selected
services, private industry workers, National Compensation Survey, 2011
Characteristics
All workers ...............................................................
Hospital
room and
board
Inpatient
surgery
Outpatient
surgery
Physician
office visit
0.2
0.5
0.6
0.4
Worker characteristic
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
0.6
0.7
0.6
0.4
1.1
0.3
0.8
0.2
0.1
1.4
1.8
1.3
0.6
3.2
0.7
0.9
1.0
0.9
1.4
1.8
1.3
0.6
3.5
0.7
0.9
1.0
1.3
0.2
(1)
0.3
0.7
(1)
0.7
1.1
0.6
0.8
0.3
0.1
0.4
0.5
0.5
2.0
0.6
0.8
1.1
0.8
2.4
1.4
0.8
1.1
0.9
2.0
(1)
0.9
0.8
1.5
Full time ...................................................................
Part time ..................................................................
0.3
(1)
0.6
0.7
0.6
0.7
0.3
–
Union .......................................................................
Nonunion .................................................................
0.2
0.3
0.8
0.7
0.9
0.7
1.7
0.3
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
0.2
(1)
0.2
0.3
0.5
0.4
1.4
2.7
0.5
0.7
1.0
1.3
1.4
2.7
0.5
0.8
1.0
1.3
0.8
1.5
0.8
0.4
0.2
(1)
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
0.5
(1)
0.7
1.1
1.5
1.3
1.2
2.3
1.3
0.6
1.3
0.7
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
0.3
0.4
1.1
0.6
0.9
1.2
0.6
0.8
0.7
0.8
2.5
0.8
0.9
1.2
0.7
0.8
0.7
0.8
2.5
0.8
0.9
1.2
0.8
1.0
0.4
1.2
0.5
–
4.2
(1)
(1)
(1)
Establishment characteristic
See footnotes at end of table.
Table 21. Standard errors for medical care benefits: Coverage for selected
services, private industry workers, National Compensation Survey,
2011—Continued
Characteristics
Hospital
room and
board
Inpatient
surgery
Outpatient
surgery
Physician
office visit
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
1.4
1.1
1.0
(1)
0.5
2.4
0.6
0.3
(1)
1.6
1.7
1.5
0.1
2.3
1.1
2.3
2.8
1.6
1.7
2.0
1.5
0.1
2.3
2.7
2.3
2.8
1.6
(1)
(1)
(1)
(1)
0.5
2.4
(1)
(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 ............................................
0.2
0.2
0.4
0.4
0.4
0.8
0.6
0.7
1.5
0.9
1.5
0.9
0.6
0.7
1.5
0.9
1.6
0.9
0.3
0.4
0.5
0.5
1.0
0.1
2.1
1.0
0.7
0.2
0.3
(1)
0.1
0.5
0.3
1.9
1.1
0.8
0.3
1.3
0.3
0.7
0.8
2.7
2.3
1.4
0.9
0.6
1.3
0.3
0.9
0.8
2.7
1.6
0.8
0.6
0.5
1.6
0.4
(1)
(1)
0.7
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1
2
Less than 0.05.
The categories are based on the average wage for each
occupation surveyed, which may include workers with
earnings both above and below the threshold. The average
wages are based on the estimates published in the "National
Compensation Survey: Occupational Earnings in the United
States, 2010." 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/glossary20112012.htm.
Table 22. Medical care benefits: Median copayment per visit for selected services by type of plan, private industry workers,
National Compensation Survey, 2011
(Includes all workers participating in plans with specified copayments)
Hospital room and board
Characteristics
All plans
All workers ...............................................................
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
$20
$50
$45
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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
240
250
250
250
150
250
250
250
250
250
250
250
250
150
250
250
250
250
–
250
250
250
–
20
20
20
20
–
25
25
20
20
20
20
20
25
25
–
25
–
20
20
20
20
20
–
25
25
20
20
–
–
–
100
150
50
35
50
30
–
–
–
–
–
35
30
–
–
–
–
$100
–
–
–
–
–
20
–
150
250
250
250
–
150
–
–
–
250
–
250
250
250
20
20
20
20
20
20
–
20
20
20
–
20
20
20
20
–
–
–
100
–
–
–
–
100
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
250
250
250
250
250
250
20
–
20
–
20
20
50
–
45
–
–
–
Union .......................................................................
Nonunion .................................................................
250
250
200
250
250
250
20
20
–
20
20
20
–
50
–
45
20
100
Average wage within the following categories:1
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
250
250
250
250
250
250
250
250
250
250
200
–
250
–
250
250
250
250
20
25
25
20
20
20
25
25
25
20
20
20
20
–
20
20
20
20
–
100
–
–
30
30
–
100
–
–
30
25
20
–
100
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
250
–
250
250
–
–
250
–
250
20
25
20
20
25
20
20
20
20
–
–
100
–
–
100
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
250
250
250
250
–
150
250
250
250
250
250
–
–
150
250
250
250
250
250
250
–
250
–
250
20
25
25
–
15
–
20
20
20
25
25
–
–
15
20
20
20
25
25
25
10
25
20
20
50
30
30
30
20
–
–
–
–
35
–
30
–
15
–
30
–
–
30
–
20
30
–
75
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 22. Medical care benefits: Median copayment per visit for selected services by type of plan, private industry workers,
National Compensation Survey, 2011—Continued
(Includes all workers participating in plans with specified copayments)
Hospital room and board
Characteristics
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
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
$250
250
250
200
250
250
250
250
250
$250
250
250
200
250
250
200
250
250
$250
–
250
250
250
250
250
250
–
$20
20
20
20
20
20
20
20
20
$20
22
20
20
20
20
20
20
25
$20
20
20
30
20
20
–
20
20
$30
–
–
25
–
–
100
–
150
$30
–
–
–
–
–
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 ............................................
250
250
250
250
250
250
250
250
250
250
200
250
250
250
250
250
250
250
25
25
20
20
20
20
25
25
20
20
20
20
20
20
20
20
20
20
–
–
–
30
25
–
–
–
–
30
30
–
–
100
–
–
20
–
250
250
250
250
250
250
–
250
250
250
250
250
–
250
250
–
–
200
250
250
250
250
250
250
250
250
250
20
20
20
25
20
25
20
–
20
20
20
25
25
20
25
20
25
20
20
20
20
20
20
20
25
20
20
30
–
–
–
100
100
–
–
25
30
–
–
20
50
–
–
–
25
100
75
–
150
–
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 The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are based
on the estimates published in the "National Compensation Survey: Occupational Earnings in the
United States, 2010." 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/glossary20112012.htm.
Table 22. Standard errors for medical care benefits: Median copayment per visit for selected services by type of plan, private
industry workers, National Compensation Survey, 2011
Hospital room and board
Fee-forservice
plans
Characteristics
All plans
All workers ...............................................................
Physician office visit
Health
maintenance
organizations
Fee-forservice
plans
All plans
Outpatient surgery
Health
maintenance
organizations
Fee-forservice
plans
All plans
Health
maintenance
organizations
$0
$0
$0
$0
$0
$0
$7
$13
–
Worker characteristic
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
0
0
0
0
7
0
0
0
22
33
20
64
0
0
0
0
35
26
0
0
0
0
–
0
0
0
–
0
0
0
1
–
6
1
5
1
0
0
0
3
0
–
7
–
4
0
1
0
0
–
4
0
6
0
–
–
–
30
0
11
7
11
3
–
–
–
–
–
9
4
–
–
–
–
$5
–
–
–
–
–
5
–
10
0
0
0
–
10
–
–
–
69
–
0
0
0
0
1
0
1
0
0
–
1
5
1
–
4
0
0
3
–
–
–
10
–
–
–
–
0
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
0
0
0
0
0
29
0
–
0
–
0
0
8
–
13
–
–
–
Union .......................................................................
Nonunion .................................................................
28
0
10
0
0
0
1
0
–
2
1
0
–
13
–
13
2
26
Average wage within the following categories:1
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
0
20
0
0
0
10
0
44
0
0
43
–
0
–
0
0
0
0
4
5
6
0
0
0
4
5
0
0
0
0
0
–
0
0
0
2
–
0
–
–
9
5
–
0
–
–
3
7
3
–
10
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
0
–
0
55
–
–
0
–
0
0
0
0
3
0
0
0
6
0
–
–
17
–
–
21
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
0
0
0
0
–
0
0
0
0
4
0
–
–
38
17
0
0
0
22
0
–
0
–
0
0
0
0
–
2
–
0
0
0
0
0
–
–
0
0
0
0
5
1
4
0
3
0
0
10
6
2
9
6
–
–
–
–
7
–
2
–
0
–
4
–
–
6
–
0
4
–
22
Establishment characteristic
See footnotes at end of table.
Table 22. Standard errors for medical care benefits: Median copayment per visit for selected services by type of plan, private
industry workers, National Compensation Survey, 2011—Continued
Hospital room and board
Characteristics
All plans
Fee-forservice
plans
Physician office visit
Health
maintenance
organizations
Fee-forservice
plans
All plans
Outpatient surgery
Health
maintenance
organizations
Fee-forservice
plans
All plans
Health
maintenance
organizations
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
$0
0
5
49
0
0
0
0
0
$45
0
67
29
14
0
53
37
0
$0
–
0
12
0
0
0
0
–
$1
2
0
0
0
0
0
0
4
$3
3
0
0
2
0
0
3
5
$0
5
6
6
4
5
–
5
0
$0
–
–
6
–
–
0
–
29
$0
–
–
–
–
–
0
–
–
–
–
–
–
–
–
$0
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
0
0
0
0
29
0
0
18
0
29
33
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
1
0
0
0
3
5
1
0
1
0
–
–
–
6
0
–
–
–
–
5
7
–
–
22
–
–
3
–
0
0
0
28
0
14
–
61
0
50
24
0
–
14
39
–
–
43
25
0
0
0
0
0
0
0
0
0
0
1
3
0
0
0
–
0
0
0
0
0
0
0
0
7
4
0
4
0
0
4
5
6
0
0
0
–
–
–
24
16
–
–
3
5
–
–
0
2
–
–
–
3
0
3
–
0
–
0
25
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are based on
the estimates published in the "National Compensation Survey: Occupational Earnings in the United
States, 2010." 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/glossary20112012.htm.
Table 23. Fee-for-service plans: Coverage for selected services, private industry
workers, National Compensation Survey, 2011
(All workers participating in fee-for-service plans = 100 percent)
Characteristics
All workers ...............................................................
Hospital
room and
board
Inpatient
surgery
Outpatient
surgery
Physician
office visit
99
97
97
99
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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
98
98
99
98
99
98
99
100
96
96
97
98
95
98
98
98
98
96
96
96
98
93
97
98
97
96
100
100
99
98
100
98
98
99
99
100
100
99
99
99
97
99
97
96
98
95
97
97
96
98
97
100
98
99
97
Full time ...................................................................
Part time ..................................................................
99
100
97
99
97
99
99
–
Union .......................................................................
Nonunion .................................................................
99
99
98
97
97
97
–
99
Average wage within the following categories:1
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
99
99
99
99
96
99
98
98
97
97
96
99
97
97
97
97
98
97
98
99
99
100
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
99
100
99
96
98
95
95
94
95
99
98
99
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
99
99
99
99
99
98
98
98
98
98
98
99
99
98
97
97
97
98
98
99
99
98
97
96
99
96
99
–
94
100
100
100
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 23. Fee-for-service plans: Coverage for selected services, private industry
workers, National Compensation Survey, 2011—Continued
(All workers participating in fee-for-service plans = 100 percent)
Characteristics
Hospital
room and
board
Inpatient
surgery
Outpatient
surgery
Physician
office visit
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
97
98
98
100
99
95
99
99
100
96
97
96
100
98
98
96
98
100
95
96
96
100
97
94
96
98
100
100
100
100
100
99
96
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 ............................................
99
99
99
98
99
98
98
99
97
96
97
95
97
98
97
96
97
95
99
99
99
98
97
100
96
97
98
100
99
100
100
99
99
97
97
98
98
94
99
99
99
98
95
98
97
97
94
99
98
99
98
98
98
99
99
98
100
100
100
98
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The categories are based on the average wage for each
occupation surveyed, which may include workers with
earnings both above and below the threshold. The average
wages are based on the estimates published in the "National
Compensation Survey: Occupational Earnings in the United
States, 2010." 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/glossary20112012.htm.
Table 23. Standard errors for fee-for-service plans: Coverage for selected
services, private industry workers, National Compensation Survey, 2011
Characteristics
All workers ...............................................................
Hospital
room and
board
Inpatient
surgery
Outpatient
surgery
Physician
office visit
0.3
0.4
0.5
0.5
Worker characteristic
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
0.8
0.9
0.8
0.6
1.6
0.4
0.9
0.3
0.1
1.0
1.3
0.9
0.8
3.5
0.8
1.0
1.1
0.9
1.0
1.3
1.0
0.9
4.3
0.8
1.0
1.2
1.4
0.3
(1)
0.5
0.9
(1)
0.8
1.2
0.7
0.9
0.3
0.1
0.5
0.6
0.6
2.1
0.5
0.8
1.2
0.9
2.6
1.5
0.8
1.3
1.0
2.3
(1)
1.0
1.0
1.7
Full time ...................................................................
Part time ..................................................................
0.3
(1)
0.5
0.7
0.5
0.7
0.4
–
Union .......................................................................
Nonunion .................................................................
0.3
0.4
0.7
0.5
1.0
0.6
–
0.3
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
0.2
0.1
0.3
0.4
0.6
0.5
1.6
0.9
0.5
0.5
0.8
1.0
1.6
0.9
0.5
0.6
0.8
1.0
1.0
1.9
1.0
0.5
0.3
(1)
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
0.6
(1)
0.8
1.1
1.6
1.4
1.2
2.6
1.4
0.7
1.5
0.9
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
0.4
0.5
1.4
0.7
1.1
1.6
0.7
1.0
0.5
0.6
1.3
0.8
1.1
1.6
0.8
1.0
0.5
0.6
1.3
0.8
1.1
1.6
0.9
1.2
0.5
1.4
0.7
–
5.4
(1)
(1)
(1)
Establishment characteristic
See footnotes at end of table.
Table 23. Standard errors for fee-for-service plans: Coverage for selected
services, private industry workers, National Compensation Survey,
2011—Continued
Characteristics
Hospital
room and
board
Inpatient
surgery
Outpatient
surgery
Physician
office visit
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
1.6
1.4
1.3
(1)
0.7
3.9
0.8
0.4
(1)
1.9
1.6
2.0
0.1
0.9
1.9
3.2
1.1
(1)
2.1
2.1
2.0
0.1
1.1
4.2
3.2
1.1
(1)
(1)
(1)
(1)
(1)
0.6
3.9
(1)
(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 ............................................
0.2
0.3
0.4
0.5
0.5
1.0
0.5
0.6
1.4
0.7
0.9
1.2
0.6
0.7
1.4
0.7
0.9
1.2
0.4
0.5
0.6
0.7
1.2
0.1
3.0
1.4
0.9
0.3
0.4
(1)
0.1
0.6
0.5
1.8
1.4
1.0
0.6
1.4
0.5
0.8
0.9
1.2
2.8
1.4
1.1
0.9
1.4
0.5
1.1
0.9
1.2
2.2
1.1
0.7
0.6
1.9
0.4
(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
2
Less than 0.05.
The categories are based on the average wage for each
occupation surveyed, which may include workers with
earnings both above and below the threshold. The average
wages are based on the estimates published in the "National
Compensation Survey: Occupational Earnings in the United
States, 2010." 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/glossary20112012.htm.
Table 24. Fee-for-service plans: Coverage for mental healthcare and substance abuse treatment,
private industry workers, National Compensation Survey, 2011
(All workers participating in fee-for-service plans = 100 percent)
Characteristics
All workers ...............................................................
Inpatient
mental
healthcare
Outpatient
mental
healthcare
Inpatient
Inpatient
Outpatient
substance abuse substance abuse substance abuse
detoxification
rehabilitation
rehabilitation
96
82
96
78
78
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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
95
96
96
97
95
95
84
84
84
–
82
80
89
–
86
97
97
98
98
96
96
97
95
93
80
81
80
–
80
75
86
–
82
81
82
80
–
80
76
87
–
80
95
95
94
95
93
85
86
83
85
81
92
94
94
94
95
82
82
77
77
76
77
82
76
75
76
Full time ...................................................................
Part time ..................................................................
96
93
82
88
96
93
77
85
77
84
Union .......................................................................
Nonunion .................................................................
99
95
90
81
98
96
87
77
86
77
Average wage within the following categories:1
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
93
86
95
95
98
98
78
71
77
82
88
90
93
88
95
95
98
98
75
69
72
78
84
85
75
69
71
77
84
87
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
95
95
94
85
85
85
94
93
94
79
78
79
79
82
78
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
96
97
93
98
100
98
97
98
82
85
90
91
–
96
–
–
97
97
97
98
100
94
96
98
78
82
82
88
–
91
–
–
78
81
83
88
–
95
–
–
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 24. Fee-for-service plans: Coverage for mental healthcare and substance abuse treatment,
private industry workers, National Compensation Survey, 2011—Continued
(All workers participating in fee-for-service plans = 100 percent)
Characteristics
Inpatient
mental
healthcare
Outpatient
mental
healthcare
Inpatient
Inpatient
Outpatient
substance abuse substance abuse substance abuse
detoxification
rehabilitation
rehabilitation
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
99
98
95
100
96
95
97
96
96
–
84
87
94
79
81
–
78
–
99
97
95
100
98
94
97
98
98
–
83
84
89
72
–
81
71
–
–
84
85
90
72
–
82
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 ............................................
97
97
96
95
94
96
80
77
85
85
84
85
97
97
97
95
95
96
76
73
81
80
80
79
75
–
80
80
80
80
97
97
96
94
96
98
94
91
97
88
83
90
87
77
84
80
–
86
97
97
96
93
96
99
95
90
98
86
74
89
81
73
78
–
–
83
87
76
89
79
73
78
–
–
83
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The categories are based on the average wage for each occupation
surveyed, which may include workers with earnings both above and below
the threshold. The average wages are based on the estimates published in
the "National Compensation Survey: Occupational Earnings in the United
States, 2010." 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/glossary20112012.htm.
Table 24. Standard errors for fee-for-service plans: Coverage for mental healthcare and substance
abuse treatment, private industry workers, National Compensation Survey, 2011
Characteristics
All workers ...............................................................
Inpatient
mental
healthcare
Outpatient
mental
healthcare
Inpatient
Inpatient
Outpatient
substance abuse substance abuse substance abuse
detoxification
rehabilitation
rehabilitation
0.6
1.7
0.7
1.9
1.9
Worker characteristic
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
0.7
1.0
0.8
1.3
3.3
1.6
1.2
2.0
1.6
3.0
2.3
4.5
–
8.8
2.4
2.1
–
2.9
0.7
1.1
0.7
0.7
2.8
1.6
1.2
2.0
2.0
3.0
2.6
4.5
–
9.2
2.6
2.3
–
3.1
2.9
2.4
4.5
–
9.2
2.5
2.2
–
3.3
2.7
1.8
1.5
1.8
2.8
4.9
3.0
3.2
3.0
5.5
3.2
2.3
1.6
2.0
2.7
5.0
3.5
3.2
3.8
5.2
5.7
3.5
3.4
3.9
5.2
Full time ...................................................................
Part time ..................................................................
0.6
4.8
1.9
4.6
0.7
4.8
2.0
4.8
2.0
4.8
Union .......................................................................
Nonunion .................................................................
0.5
0.7
2.5
1.9
0.6
0.8
2.8
2.0
2.9
2.0
Average wage within the following categories:1
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.4
6.0
1.2
1.0
0.5
0.4
4.3
8.3
5.2
2.1
1.1
1.5
2.6
6.2
1.1
1.1
0.5
0.4
4.5
8.2
5.0
2.3
1.3
2.1
4.5
8.3
5.0
2.3
1.2
1.5
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1.3
2.3
1.8
2.6
3.8
3.2
1.5
2.7
1.9
2.7
5.3
3.5
3.0
4.3
3.8
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
0.8
1.2
3.5
1.0
0.3
1.6
1.9
0.7
2.1
2.5
3.4
1.8
–
1.8
–
–
0.8
1.0
2.5
1.0
0.3
3.2
1.9
0.8
2.2
2.6
3.9
2.1
–
2.7
–
–
2.2
2.6
3.9
2.1
–
2.2
–
–
Establishment characteristic
See footnotes at end of table.
Table 24. Standard errors for fee-for-service plans: Coverage for mental healthcare and substance
abuse treatment, private industry workers, National Compensation Survey, 2011—Continued
Characteristics
Inpatient
mental
healthcare
Outpatient
mental
healthcare
Inpatient
Inpatient
Outpatient
substance abuse substance abuse substance abuse
detoxification
rehabilitation
rehabilitation
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
0.5
1.4
2.5
(2)
1.2
4.0
1.6
1.2
1.6
–
4.5
3.4
2.2
7.4
5.7
–
8.7
–
0.5
1.8
2.5
(2)
0.9
4.0
1.8
0.7
1.0
–
4.5
3.7
3.1
7.6
–
4.9
8.8
–
–
4.5
3.7
3.0
7.6
–
4.9
8.8
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
0.8
0.9
2.0
1.0
1.7
1.1
3.3
4.3
4.4
1.7
2.3
2.1
0.8
0.9
1.9
1.0
1.7
1.1
3.3
4.3
4.5
1.8
2.6
2.4
3.3
–
4.5
1.8
2.6
2.4
2.3
1.1
1.2
3.1
1.2
0.3
1.2
5.9
1.6
4.1
3.1
2.4
3.7
5.9
6.5
3.3
–
4.4
2.3
0.3
1.2
4.3
1.2
0.6
1.1
6.6
0.9
4.8
3.7
2.4
6.2
6.3
6.5
–
–
4.6
4.9
3.7
2.4
6.2
6.2
6.6
–
–
4.6
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The categories are based on the average wage for each occupation
surveyed, which may include workers with earnings both above and below
the threshold. The average wages are based on the estimates published in
the "National Compensation Survey: Occupational Earnings in the United
States, 2010." See Technical Note for more details.
2 Less than 0.05.
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/glossary20112012.htm.
Table 25. Health maintenance organizations: Coverage for selected services,
private industry workers, National Compensation Survey, 2011
(All workers participating in health maintenance organizations = 100 percent)
Characteristics
All workers ...............................................................
Hospital
room and
board
Inpatient
surgery
Outpatient
surgery
Physician
office visit
100
94
94
100
Worker characteristic
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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
92
88
95
100
94
95
100
93
89
92
88
95
100
94
95
100
93
89
100
100
100
100
100
100
100
100
100
100
100
100
100
100
87
91
93
–
95
87
91
93
–
95
100
100
100
100
100
Full time ...................................................................
Part time ..................................................................
100
100
94
97
94
97
100
100
Union .......................................................................
Nonunion .................................................................
100
100
95
94
95
94
100
100
Average wage within the following categories:1
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
100
96
86
97
91
94
92
96
86
97
91
94
92
100
100
100
100
100
100
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
88
–
89
88
–
89
100
100
100
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
100
95
93
86
96
100
100
97
96
95
93
86
96
100
100
97
96
100
100
100
100
100
100
100
100
Establishment characteristic
See footnotes at end of table.
Table 25. Health maintenance organizations: Coverage for selected services,
private industry workers, National Compensation Survey, 2011—Continued
(All workers participating in health maintenance organizations = 100 percent)
Characteristics
Hospital
room and
board
Inpatient
surgery
Outpatient
surgery
Physician
office visit
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
100
100
100
100
100
100
100
100
100
97
94
100
100
93
100
100
91
91
97
94
100
100
93
100
100
91
91
100
100
100
100
100
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
93
95
90
94
89
100
93
95
90
94
89
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
93
90
100
95
94
94
100
100
91
93
90
100
95
94
94
100
100
91
100
100
100
100
100
100
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 The categories are based on the average wage for each
occupation surveyed, which may include workers with
earnings both above and below the threshold. The average
wages are based on the estimates published in the "National
Compensation Survey: Occupational Earnings in the United
States, 2010." 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/glossary20112012.htm.
Table 25. Standard errors for health maintenance organizations: Coverage for
selected services, private industry workers, National Compensation Survey, 2011
Characteristics
Hospital
room and
board
Inpatient
surgery
Outpatient
surgery
Physician
office visit
(1)
1.6
1.6
(1)
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
4.0
5.3
3.4
0.4
7.5
1.2
0.3
1.6
3.5
4.0
5.3
3.4
0.4
7.5
1.2
0.3
1.6
3.5
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
5.9
4.3
1.9
–
2.2
5.9
4.3
1.9
–
2.2
(1)
(1)
(1)
(1)
(1)
Full time ...................................................................
Part time ..................................................................
(1)
(1)
1.7
1.9
1.7
1.9
(1)
(1)
Union .......................................................................
Nonunion .................................................................
(1)
(1)
2.7
2.2
2.7
2.2
(1)
(1)
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
(1)
(1)
(1)
(1)
(1)
(1)
2.8
10.7
0.7
3.0
3.0
4.2
2.8
10.7
0.7
3.0
3.0
4.2
(1)
(1)
(1)
(1)
(1)
(1)
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
(1)
(1)
(1)
2.7
–
3.3
2.7
–
3.3
(1)
(1)
(1)
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
1.9
3.7
8.7
1.9
(1)
(1)
2.4
3.2
1.9
3.7
8.7
1.9
(1)
(1)
2.4
3.2
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
All workers ...............................................................
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 25. Standard errors for health maintenance organizations: Coverage for
selected services, private industry workers, National Compensation Survey,
2011—Continued
Characteristics
Hospital
room and
board
Inpatient
surgery
Outpatient
surgery
Physician
office visit
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
3.0
4.9
(1)
(1)
6.3
(1)
(1)
8.5
6.2
3.0
4.9
(1)
(1)
6.3
(1)
(1)
8.5
6.2
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(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)
(1)
(1)
(1)
(1)
1.8
1.4
5.0
3.0
6.2
0.1
1.8
1.4
5.0
3.0
6.2
0.1
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
5.3
3.6
0.3
3.2
3.2
3.8
0.1
0.4
4.3
5.3
3.6
0.3
3.2
3.2
3.8
0.1
0.4
4.3
(1)
(1)
(1)
(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 ......................................................................
1
2
Less than 0.05.
The categories are based on the average wage for each
occupation surveyed, which may include workers with
earnings both above and below the threshold. The average
wages are based on the estimates published in the "National
Compensation Survey: Occupational Earnings in the United
States, 2010." 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/glossary20112012.htm.
Table 26. Health maintenance organizations: Coverage for
mental healthcare and substance abuse treatment, private
industry workers, National Compensation Survey, 2011
(All workers participating in health maintenance organizations = 100 percent)
Characteristics
All workers ...............................................................
Inpatient
mental
healthcare
Inpatient
substance
abuse
detoxification
96
97
Worker characteristic
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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
95
98
97
90
96
99
95
95
97
95
98
98
90
96
99
95
95
100
91
95
97
92
100
91
98
97
99
Full time ...................................................................
Part time ..................................................................
96
94
97
94
Union .......................................................................
Nonunion .................................................................
97
96
97
97
Average wage within the following categories:1
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
97
98
96
95
97
94
97
100
98
96
97
94
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
98
100
97
98
100
97
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
96
88
80
92
100
100
100
97
91
85
93
100
100
100
Establishment characteristic
See footnotes at end of table.
Table 26. Health maintenance organizations: Coverage for
mental healthcare and substance abuse treatment, private
industry workers, National Compensation Survey,
2011—Continued
(All workers participating in health maintenance organizations = 100 percent)
Inpatient
mental
healthcare
Characteristics
Inpatient
substance
abuse
detoxification
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
100
100
94
100
100
100
100
100
98
100
100
94
100
100
100
100
99
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 ............................................
97
98
91
96
97
94
98
99
93
96
97
95
97
91
97
83
96
92
100
100
99
97
92
98
83
96
93
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 The categories are based on the
average wage for each occupation
surveyed, which may include workers with
earnings both above and below the
threshold. The average wages are based on
the estimates published in the "National
Compensation
Survey:
Occupational
Earnings in the United States, 2010." 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/glossary20112012.htm.
Table 26. Standard errors for health maintenance
organizations: Coverage for mental healthcare and
substance abuse treatment, private industry workers,
National Compensation Survey, 2011
Characteristics
All workers ...............................................................
Inpatient
mental
healthcare
Inpatient
substance
abuse
detoxification
1.5
1.5
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
1.5
2.7
1.4
1.6
10.2
2.7
0.7
3.8
2.4
1.5
2.7
1.4
1.4
10.2
2.7
0.6
3.8
2.4
(1)
4.1
2.4
2.4
4.0
(1)
4.1
1.7
2.4
0.7
Full time ...................................................................
Part time ..................................................................
1.5
2.7
1.5
2.7
Union .......................................................................
Nonunion .................................................................
1.3
1.8
1.3
1.7
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
1.5
1.9
1.4
3.4
1.4
2.8
1.4
(1)
0.9
3.4
1.4
2.8
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1.8
(1)
2.4
1.8
(1)
2.4
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.8
3.7
8.0
2.8
(1)
(1)
(1)
1.7
3.7
8.6
2.7
(1)
(1)
(1)
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 26. Standard errors for health maintenance
organizations: Coverage for mental healthcare and
substance abuse treatment, private industry workers,
National Compensation Survey, 2011—Continued
Inpatient
mental
healthcare
Characteristics
Inpatient
substance
abuse
detoxification
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
(1)
(1)
4.2
0.1
0.3
(1)
(1)
0.4
1.8
(1)
(1)
4.2
0.1
0.3
(1)
(1)
0.5
(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 ............................................
1.7
0.8
4.5
1.6
1.5
2.6
1.6
0.6
4.3
1.6
1.5
2.6
2.9
8.9
1.5
12.0
2.2
4.5
(1)
(1)
0.6
2.9
8.8
1.0
12.0
2.2
4.1
(1)
(1)
0.1
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1
2
Less than 0.05.
The categories are based on the
average wage for each occupation
surveyed, which may include workers with
earnings both above and below the
threshold. The average wages are based on
the estimates published in the "National
Compensation
Survey:
Occupational
Earnings in the United States, 2010." 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/glossary20112012.htm.
Table 27. Hospital room and board benefits: Extent of coverage by type of
plan, private industry workers, National Compensation Survey, 2011
(All workers participating in medical care plans = 100 percent)
All plans
Characteristics
All workers ...............................................................
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
7
92
–
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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
7
12
8
–
4
–
5
4
88
91
86
91
79
95
96
94
95
–
–
–
–
–
–
–
–
–
1
1
1
1
1
1
1
1
2
( )
–
–
5
–
5
94
96
94
95
94
–
–
–
–
–
(2)
(2)
–
1
1
Full time ...................................................................
Part time ..................................................................
6
12
93
88
–
–
–
(2)
Union .......................................................................
Nonunion .................................................................
13
6
87
93
–
–
–
1
Average wage within the following categories:3
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
5
7
9
9
96
94
94
92
90
90
–
–
–
–
–
–
(2)
(2)
1
–
–
1
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
5
5
–
95
95
94
–
–
–
–
–
1
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
7
5
6
–
17
7
4
4
92
94
93
93
83
91
95
94
–
–
–
–
–
–
–
–
1
1
1
1
1
1
1
2
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 27. Hospital room and board benefits: Extent of coverage by type of plan, private industry workers, National
Compensation Survey, 2011—Continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristics
All workers ...............................................................
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
4
95
–
–
17
83
–
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
–
–
–
5
–
–
–
–
–
92
95
90
94
90
96
96
96
98
–
–
–
–
–
–
–
–
–
2
2
2
1
2
1
2
1
2
( )
22
20
24
–
–
10
–
12
–
78
80
76
85
–
90
94
88
80
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
97
98
97
97
97
–
–
–
–
–
(2)
(2)
1
1
1
–
–
–
–
22
80
80
82
84
78
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
4
–
95
91
–
–
–
(2)
17
–
83
74
–
–
–
–
Union .......................................................................
Nonunion .................................................................
10
3
89
96
–
–
–
1
–
17
80
83
–
–
–
–
Average wage within the following categories:3
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
5
4
98
97
96
94
94
95
–
–
–
–
–
–
(2)
(2)
1
1
–
1
–
–
12
16
25
31
90
80
88
84
75
69
–
–
–
–
–
–
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
97
98
97
–
–
–
1
–
1
19
–
–
81
78
80
–
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
5
–
–
–
–
–
–
–
94
96
96
93
99
94
96
96
–
–
–
–
–
–
–
–
1
1
1
1
1
2
2
2
17
13
–
–
68
–
11
13
83
87
84
95
–
82
89
87
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 27. Hospital room and board benefits: Extent of coverage by type of
plan, private industry workers, National Compensation Survey,
2011—Continued
(All workers participating in medical care plans = 100 percent)
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
–
–
–
–
14
16
15
14
–
93
95
93
92
85
81
84
86
93
–
–
–
–
–
–
–
–
–
2
2
2
–
1
3
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
4
–
8
8
10
95
95
93
90
91
89
–
–
–
–
–
–
–
(2)
(2)
1
1
2
13
12
–
–
4
–
–
–
8
84
86
89
95
95
96
99
98
92
–
–
–
–
–
–
–
–
–
3
2
1
(2)
1
(2)
2
( )
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. Hospital room and board benefits: Extent of coverage by type of plan, private industry workers, National
Compensation Survey, 2011—Continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
–
–
–
–
–
–
10
–
–
94
97
94
93
88
88
89
87
100
–
–
–
–
–
–
–
–
–
3
2
2
–
1
5
1
1
–
–
–
–
–
22
–
28
19
–
88
83
91
91
78
71
72
81
68
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
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
97
98
96
93
93
93
–
–
–
–
–
–
1
1
( )
2
1
2
13
11
17
22
17
27
87
89
83
78
83
73
–
–
–
–
–
–
–
–
–
–
–
–
–
9
–
–
–
–
–
–
–
91
89
91
97
96
100
100
99
96
–
–
–
–
–
–
–
–
–
4
3
2
(2)
1
(2)
2
( )
1
(2)
34
24
19
–
–
35
7
–
14
66
76
81
79
88
65
93
96
86
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2
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.
3 The categories are based on the average wage for each occupation surveyed, which
may include workers with earnings both above and below the threshold. The average wages
are based on the estimates published in the "National Compensation Survey: Occupational
Earnings in the United States, 2010." 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/glossary20112012.htm.
Table 27. Standard errors for hospital room and board benefits: Extent of
coverage by type of plan, private industry workers, National Compensation
Survey, 2011
All plans
Characteristics
All workers ...............................................................
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
0.8
0.9
–
–
Worker characteristic
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
1.7
2.1
2.4
1.8
–
1.0
–
1.1
1.0
1.8
2.1
2.4
1.7
13.7
1.0
1.4
1.1
1.0
–
–
–
–
–
–
–
–
–
0.6
0.7
0.6
0.4
1.1
0.3
0.8
0.2
0.1
–
–
1.2
–
1.3
2.0
1.3
1.3
1.6
1.4
–
–
–
–
–
0.3
0.1
–
0.5
0.5
Full time ...................................................................
Part time ..................................................................
0.8
3.4
0.8
3.4
–
–
–
(2)
Union .......................................................................
Nonunion .................................................................
2.1
0.8
2.2
0.9
–
–
–
0.3
Average wage within the following categories:3
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
1.1
1.3
1.1
1.2
1.2
3.1
1.1
1.4
1.2
1.2
–
–
–
–
–
–
0.2
(2)
0.2
–
–
0.4
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1.1
1.4
–
1.2
1.4
1.8
–
–
–
–
–
0.6
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.0
1.2
1.3
–
4.5
1.9
1.0
1.0
1.0
1.3
1.6
2.2
4.6
2.0
1.0
1.1
–
–
–
–
–
–
–
–
0.3
0.4
1.1
0.6
0.9
1.2
0.6
0.8
Establishment characteristic
See footnotes at end of table.
Table 27. Standard errors for hospital room and board benefits: Extent of coverage by type of plan, private industry
workers, National Compensation Survey, 2011—Continued
Fee-for-service plan
Characteristics
All workers ...............................................................
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
0.9
1.0
–
–
2.2
2.2
–
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
–
–
–
1.3
–
–
–
–
–
2.1
2.7
2.9
1.4
8.2
1.1
1.5
1.1
0.8
–
–
–
–
–
–
–
–
–
0.8
0.9
0.8
0.6
1.6
0.4
0.9
0.3
0.1
3.4
3.5
4.5
–
–
1.8
–
2.2
–
3.4
3.5
4.5
5.0
–
1.8
2.7
2.2
6.8
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.9
0.8
0.9
1.3
1.0
–
–
–
–
–
0.3
0.1
0.4
0.6
0.6
–
–
–
–
6.6
8.0
8.5
5.5
6.4
6.6
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
0.8
–
0.8
3.5
–
–
–
(2)
2.2
–
2.2
9.7
–
–
–
–
Union .......................................................................
Nonunion .................................................................
2.2
0.9
2.1
1.0
–
–
–
0.4
–
2.3
6.4
2.3
–
–
–
–
Average wage within the following categories:3
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
1.0
0.8
1.0
1.9
1.1
1.5
1.2
0.9
–
–
–
–
–
–
0.2
0.1
0.3
0.4
–
0.5
–
–
3.3
2.8
3.3
4.5
4.6
14.5
3.3
2.8
3.3
4.5
–
–
–
–
–
–
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
0.9
1.3
1.2
–
–
–
0.6
–
0.8
5.5
–
–
5.5
8.3
7.5
–
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.2
–
–
–
–
–
–
–
1.2
1.4
1.7
2.6
1.1
1.9
0.9
0.9
–
–
–
–
–
–
–
–
0.4
0.5
1.4
0.7
1.1
1.6
0.7
1.0
2.0
3.3
–
–
12.5
–
3.2
4.0
2.0
3.3
5.1
2.9
–
8.0
3.2
4.0
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 27. Standard errors for hospital room and board benefits: Extent of
coverage by type of plan, private industry workers, National Compensation
Survey, 2011—Continued
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
–
–
–
–
3.2
4.2
2.0
3.7
–
1.8
1.8
2.2
3.5
3.2
3.6
2.2
3.7
3.1
–
–
–
–
–
–
–
–
–
1.4
1.1
1.0
–
0.5
2.4
0.6
0.3
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
0.9
0.9
–
1.3
2.1
1.1
0.9
0.9
2.1
1.4
2.2
1.3
–
–
–
–
–
–
–
0.2
0.3
0.4
0.4
0.8
2.3
3.0
–
–
1.1
–
–
–
1.6
2.6
3.1
3.2
3.2
1.1
2.0
0.2
0.7
1.5
–
–
–
–
–
–
–
–
–
2.1
1.0
0.7
0.2
0.3
(2)
0.1
0.5
–
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.
Table 27. Standard errors for hospital room and board benefits: Extent of coverage by type of plan, private industry
workers, National Compensation Survey, 2011—Continued
Fee-for-service plan
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
–
–
–
–
–
–
2.5
–
–
1.7
1.5
2.7
4.4
4.0
4.4
2.6
4.7
(2)
–
–
–
–
–
–
–
–
–
1.6
1.4
1.3
–
0.7
3.9
0.8
0.4
–
–
–
–
–
4.6
–
3.5
4.6
–
5.9
5.9
3.3
5.5
4.6
9.1
3.5
4.6
12.6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
–
1.4
–
0.8
1.0
0.9
2.4
1.5
2.4
1.3
–
–
–
–
–
–
0.2
0.3
0.4
0.5
0.5
1.0
2.4
3.1
4.3
3.5
4.9
3.8
2.4
3.1
4.3
3.5
4.9
3.8
–
–
–
–
–
–
–
–
–
–
–
–
–
2.1
–
–
–
–
–
–
–
3.0
2.5
3.8
2.7
1.9
(2)
0.1
0.6
1.3
–
–
–
–
–
–
–
–
–
3.0
1.4
0.9
0.3
0.4
(2)
0.1
0.6
0.4
10.1
5.1
4.4
–
–
10.1
1.9
–
3.6
10.1
5.1
4.4
16.5
5.2
10.1
1.9
2.7
3.6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
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 0.05.
3 The categories are based on the average wage for each occupation surveyed, which
may include workers with earnings both above and below the threshold. The average wages
are based on the estimates published in the "National Compensation Survey: Occupational
Earnings in the United States, 2010." 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/glossary20112012.htm.
Table 28. Inpatient surgery benefits: Extent of coverage by type of plan,
private industry workers, National Compensation Survey, 2011
(All workers participating in medical care plans = 100 percent)
All plans
Characteristics
All workers ...............................................................
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
8
89
–
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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
8
–
5
–
6
7
83
85
82
90
76
93
96
91
90
–
–
–
–
–
–
–
–
–
5
6
4
1
5
–
1
3
3
–
–
6
6
5
91
89
91
89
92
–
–
–
–
–
5
2
4
5
2
Full time ...................................................................
Part time ..................................................................
8
11
89
88
–
–
–
–
Union .......................................................................
Nonunion .................................................................
12
7
86
89
–
–
3
–
Average wage within the following categories:3
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
5
7
11
12
91
92
92
89
85
84
–
–
–
–
–
–
4
3
2
–
4
4
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
6
–
6
89
91
88
–
–
–
6
5
6
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
9
4
–
–
22
10
8
7
89
94
90
96
77
89
90
90
–
–
–
–
–
–
–
–
–
–
5
1
1
1
3
3
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 28. Inpatient surgery benefits: Extent of coverage by type of plan, private industry workers, National
Compensation Survey, 2011—Continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristics
All workers ...............................................................
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
4
93
–
–
22
72
–
6
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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
–
10
5
–
3
–
3
–
89
91
87
93
88
95
97
94
96
–
–
–
–
–
–
–
–
–
4
4
3
2
5
–
2
2
2
26
25
27
–
–
13
–
14
34
66
62
68
84
–
82
90
79
55
–
–
–
–
–
–
–
–
–
8
12
5
(2)
6
5
2
( )
7
11
–
–
–
–
–
94
97
96
95
97
–
–
–
–
–
3
1
3
4
2
–
49
29
–
28
75
42
63
–
67
–
–
–
–
–
13
9
7
–
5
Full time ...................................................................
Part time ..................................................................
4
–
93
93
–
–
–
1
21
33
72
64
–
–
6
3
Union .......................................................................
Nonunion .................................................................
8
4
90
93
–
–
2
–
23
22
71
72
–
–
5
6
Average wage within the following categories:3
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
6
6
95
99
95
93
91
91
–
–
–
–
–
–
3
(2)
2
2
3
3
–
–
15
19
30
37
75
65
82
71
64
55
–
–
–
–
–
–
4
14
3
9
6
8
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
95
96
94
–
–
–
4
2
5
27
–
32
61
–
57
–
–
–
12
–
11
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
5
1
–
–
–
–
5
4
92
97
97
98
96
92
93
93
–
–
–
–
–
–
–
–
–
–
2
1
1
2
3
3
21
17
–
–
81
–
22
21
74
76
68
85
–
80
75
75
–
–
–
–
–
–
–
–
5
7
14
4
–
–
3
4
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 28. Inpatient surgery benefits: Extent of coverage by type of plan,
private industry workers, National Compensation Survey, 2011—Continued
(All workers participating in medical care plans = 100 percent)
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
–
–
–
–
17
18
21
17
–
93
89
91
91
79
80
76
79
90
–
–
–
–
–
–
–
–
–
4
3
3
(2)
4
1
3
4
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 ............................................
6
5
10
9
7
12
91
93
86
87
89
84
–
–
–
–
–
–
–
–
4
4
4
4
13
13
–
–
3
–
2
–
11
83
82
88
91
91
92
97
94
84
–
–
–
–
–
–
–
–
–
4
5
2
2
–
1
1
1
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.
Table 28. Inpatient surgery benefits: Extent of coverage by type of plan, private industry workers, National
Compensation Survey, 2011—Continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
–
–
–
–
14
–
11
–
–
94
92
91
91
84
90
85
83
100
–
–
–
–
–
–
–
–
–
4
3
4
2
( )
2
2
4
2
–
–
–
–
–
26
35
45
22
–
84
74
91
91
68
65
55
69
55
–
–
–
–
–
–
–
–
–
3
6
–
–
7
–
–
9
9
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
–
7
95
97
91
91
93
88
–
–
–
–
–
–
2
1
3
4
3
5
16
14
23
28
23
33
77
81
66
67
66
67
–
–
–
–
–
–
7
5
10
6
11
2
( )
–
9
–
–
–
–
–
–
4
91
87
91
95
93
96
98
96
94
–
–
–
–
–
–
–
–
–
3
3
2
2
5
1
1
1
2
30
27
25
–
–
–
–
–
20
63
62
74
57
80
61
90
87
70
–
–
–
–
–
–
–
–
–
7
10
2
( )
5
6
6
2
( )
(2)
9
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.
3 The categories are based on the average wage for each occupation surveyed, which
may include workers with earnings both above and below the threshold. The average wages
are based on the estimates published in the "National Compensation Survey: Occupational
Earnings in the United States, 2010." 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/glossary20112012.htm.
Table 28. Standard errors for inpatient surgery benefits: Extent of coverage by
type of plan, private industry workers, National Compensation Survey, 2011
All plans
Characteristics
All workers ...............................................................
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
0.8
0.9
–
–
Worker characteristic
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
1.7
2.0
2.5
1.7
–
0.8
–
1.0
1.7
2.1
2.5
2.7
1.9
14.0
1.0
1.2
1.3
1.8
–
–
–
–
–
–
–
–
–
1.4
1.8
1.3
0.6
3.2
–
0.7
1.0
0.9
–
–
1.2
1.6
1.6
2.9
2.7
1.3
2.0
1.8
–
–
–
–
–
2.0
0.6
0.8
1.1
0.8
Full time ...................................................................
Part time ..................................................................
0.8
2.2
0.9
2.3
–
–
–
–
Union .......................................................................
Nonunion .................................................................
2.1
0.9
2.1
1.1
–
–
0.8
–
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
1.0
1.3
1.1
1.3
2.3
3.7
1.1
1.4
1.4
2.1
–
–
–
–
–
–
1.4
2.6
0.5
–
1.0
1.3
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1.1
–
1.5
1.3
1.7
1.9
–
–
–
1.1
1.5
1.3
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
0.9
0.7
–
–
5.0
2.2
1.8
1.5
1.1
1.1
2.5
0.9
5.1
2.3
1.9
1.8
–
–
–
–
–
–
–
–
–
–
2.5
0.6
0.9
1.2
0.7
0.8
Establishment characteristic
See footnotes at end of table.
Table 28. Standard errors for inpatient surgery benefits: Extent of coverage by type of plan, private industry workers,
National Compensation Survey, 2011—Continued
Fee-for-service plan
Characteristics
All workers ...............................................................
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
0.8
0.9
–
–
2.3
2.3
–
1.6
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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
–
2.9
1.2
–
0.6
–
0.9
–
2.2
2.6
3.0
1.6
9.3
1.0
1.2
1.4
1.2
–
–
–
–
–
–
–
–
–
1.0
1.3
0.9
0.8
3.5
–
0.8
1.1
0.9
3.5
4.6
4.6
–
–
2.1
–
2.4
8.7
4.3
6.1
4.8
5.4
–
2.1
3.2
2.5
7.8
–
–
–
–
–
–
–
–
–
4.0
5.3
3.4
0.4
7.5
1.2
0.3
1.6
3.5
–
–
–
–
–
3.2
1.1
0.9
1.3
1.4
–
–
–
–
–
2.1
0.5
0.8
1.2
0.9
–
11.3
5.4
–
6.6
7.4
10.4
5.5
–
6.9
–
–
–
–
–
5.9
4.3
1.9
–
2.2
Full time ...................................................................
Part time ..................................................................
0.7
–
0.9
2.6
–
–
–
0.6
2.4
6.6
2.4
6.7
–
–
1.7
1.9
Union .......................................................................
Nonunion .................................................................
1.1
0.9
1.3
1.1
–
–
0.7
–
6.8
2.5
7.1
2.8
–
–
2.7
2.2
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
1.2
1.0
1.8
0.9
0.9
1.4
1.4
1.6
–
–
–
–
–
–
1.6
0.3
0.5
0.5
0.8
1.0
–
–
3.2
3.1
3.2
5.6
7.5
13.3
3.3
3.9
3.0
6.9
–
–
–
–
–
–
2.8
10.7
0.7
3.0
3.0
4.2
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
1.1
2.4
1.4
–
–
–
1.1
1.6
1.4
5.4
–
7.2
5.4
–
7.3
–
–
–
2.7
–
3.3
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.1
0.3
–
–
–
–
1.5
1.1
1.2
0.6
1.6
0.9
2.8
2.4
1.7
1.7
–
–
–
–
–
–
–
–
–
–
1.3
0.7
1.1
1.6
0.8
1.0
2.3
4.7
–
–
13.4
–
6.4
5.5
2.3
5.4
9.6
4.9
–
8.3
5.5
4.5
–
–
–
–
–
–
–
–
1.9
3.7
8.7
1.9
–
–
2.4
3.2
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 28. Standard errors for inpatient surgery benefits: Extent of coverage by
type of plan, private industry workers, National Compensation Survey,
2011—Continued
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
–
–
–
–
3.4
4.5
2.4
3.9
–
1.9
2.9
2.3
3.7
4.1
4.6
3.0
4.7
3.9
–
–
–
–
–
–
–
–
–
1.6
1.7
1.5
0.1
2.3
1.1
2.3
2.8
1.6
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
1.0
1.0
2.2
1.2
2.0
1.3
1.0
1.0
2.6
1.5
2.3
1.6
–
–
–
–
–
–
–
–
1.5
0.9
1.5
0.9
2.7
2.0
–
–
0.8
–
0.5
–
1.8
3.4
2.0
3.2
3.0
1.3
2.8
0.9
2.6
3.1
–
–
–
–
–
–
–
–
–
1.9
1.1
0.8
0.3
–
0.3
0.7
0.8
2.7
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 28. Standard errors for inpatient surgery benefits: Extent of coverage by type of plan, private industry workers,
National Compensation Survey, 2011—Continued
Fee-for-service plan
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
–
–
–
–
4.0
–
2.6
–
–
2.5
3.0
2.8
4.5
4.2
3.0
3.8
4.9
(3)
–
–
–
–
–
–
–
–
–
1.9
1.6
2.0
0.1
0.9
1.9
3.2
1.1
–
–
–
–
–
5.7
9.0
5.5
6.0
–
7.8
8.5
3.3
5.5
7.4
9.0
5.5
9.3
16.1
–
–
–
–
–
–
–
–
–
3.0
4.9
–
–
6.3
–
–
8.5
6.2
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
–
1.2
–
1.2
1.1
1.0
2.9
1.5
2.2
1.7
–
–
–
–
–
–
0.5
0.6
1.4
0.7
0.9
1.2
2.6
3.1
3.9
3.8
5.0
4.3
3.0
3.3
6.0
3.2
6.4
4.3
–
–
–
–
–
–
1.8
1.4
5.0
3.0
6.2
0.1
–
1.0
–
–
–
–
–
–
0.8
1.8
1.7
3.7
2.9
1.5
2.6
1.1
3.2
1.8
–
–
–
–
–
–
–
–
–
1.8
1.4
1.0
0.6
1.4
0.5
0.8
0.9
1.2
8.7
4.6
6.1
–
–
–
–
–
4.5
10.1
4.7
6.1
12.4
4.9
8.0
3.8
6.5
3.9
–
–
–
–
–
–
–
–
–
5.3
3.6
0.3
3.2
3.2
3.8
0.1
0.4
4.3
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 The categories are based on the average wage for each occupation surveyed, which
may include workers with earnings both above and below the threshold. The average wages
are based on the estimates published in the "National Compensation Survey: Occupational
Earnings in the United States, 2010." See Technical Note for more details.
3 Less than 0.05.
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/glossary20112012.htm.
Table 29. Outpatient surgery benefits: Extent of coverage by type of plan,
private industry workers, National Compensation Survey, 2011
(All workers participating in medical care plans = 100 percent)
All plans
Characteristics
All workers ...............................................................
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
7
90
–
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
11
7
13
9
–
4
–
5
3
85
87
83
90
75
93
97
92
92
–
–
–
–
–
–
–
–
–
5
6
4
2
6
–
1
4
5
–
–
5
7
–
91
93
92
88
96
–
–
–
–
–
6
4
4
5
2
Full time ...................................................................
Part time ..................................................................
6
10
90
88
–
–
–
–
Union .......................................................................
Nonunion .................................................................
9
6
88
90
–
–
3
–
Average wage within the following categories:3
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
5
6
9
10
93
93
92
90
87
86
–
–
–
–
–
–
4
3
3
–
4
4
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
5
–
6
88
89
88
–
–
–
6
8
6
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
7
2
5
–
–
8
6
6
90
96
91
98
92
90
91
90
–
–
–
–
–
–
–
–
–
–
5
1
1
2
3
4
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 29. Outpatient surgery benefits: Extent of coverage by type of plan, private industry workers, National
Compensation Survey, 2011—Continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristics
All workers ...............................................................
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
4
93
–
–
18
76
–
6
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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
–
9
6
–
1
–
2
–
90
93
87
92
87
96
98
95
95
–
–
–
–
–
–
–
–
–
4
4
4
2
7
–
2
3
4
23
21
25
–
–
12
–
14
–
69
67
70
85
–
83
92
80
72
–
–
–
–
–
–
–
–
–
8
12
5
(2)
6
5
2
( )
7
11
–
–
–
–
–
94
96
95
93
98
–
–
–
–
–
5
3
3
4
2
–
–
18
–
–
76
69
74
–
87
–
–
–
–
–
13
9
7
–
5
Full time ...................................................................
Part time ..................................................................
3
–
93
92
–
–
–
1
17
29
76
68
–
–
6
3
Union .......................................................................
Nonunion .................................................................
6
3
92
94
–
–
3
–
–
18
75
76
–
–
5
6
Average wage within the following categories:3
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
3
5
5
95
99
95
94
92
91
–
–
–
–
–
–
4
(2)
3
–
3
3
–
–
13
16
25
30
82
70
85
75
68
63
–
–
–
–
–
–
4
14
3
9
6
8
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
93
93
93
–
–
–
5
6
5
21
–
25
67
–
64
–
–
–
12
–
11
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
4
–
–
–
–
–
3
4
93
98
97
98
96
93
94
93
–
–
–
–
–
–
–
–
–
2
2
1
1
2
3
4
17
8
15
–
–
–
21
19
78
85
70
94
81
80
75
77
–
–
–
–
–
–
–
–
5
7
14
4
–
–
3
4
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 29. Outpatient surgery benefits: Extent of coverage by type of plan,
private industry workers, National Compensation Survey, 2011—Continued
(All workers participating in medical care plans = 100 percent)
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
–
5
–
–
17
15
17
18
–
93
90
94
96
79
81
80
78
90
–
–
–
–
–
–
–
–
–
5
5
3
(2)
4
4
3
4
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 ............................................
4
4
5
9
–
12
93
93
91
87
90
84
–
–
–
–
–
–
–
–
4
4
4
4
13
13
–
–
–
–
–
–
7
82
83
89
91
92
93
97
96
88
–
–
–
–
–
–
–
–
–
6
4
3
3
6
1
2
1
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.
Table 29. Outpatient surgery benefits: Extent of coverage by type of plan, private industry workers, National
Compensation Survey, 2011—Continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
–
–
–
–
14
8
11
–
–
94
94
94
98
83
86
85
82
100
–
–
–
–
–
–
–
–
–
5
4
4
2
( )
3
6
4
2
–
–
–
–
–
25
–
30
24
–
86
75
93
91
69
73
70
67
55
–
–
–
–
–
–
–
–
–
3
6
–
–
7
–
–
9
9
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
–
7
96
97
96
91
93
88
–
–
–
–
–
–
2
2
3
4
3
5
14
12
19
22
16
29
80
83
70
72
73
71
–
–
–
–
–
–
7
5
10
6
11
2
( )
–
9
–
–
–
–
–
–
3
88
89
92
95
94
97
97
96
95
–
–
–
–
–
–
–
–
–
5
2
3
3
5
1
2
1
2
–
27
23
–
–
–
–
–
13
64
63
77
57
82
64
94
99
78
–
–
–
–
–
–
–
–
–
7
10
2
( )
5
6
6
2
( )
(2)
9
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.
3 The categories are based on the average wage for each occupation surveyed, which
may include workers with earnings both above and below the threshold. The average wages
are based on the estimates published in the "National Compensation Survey: Occupational
Earnings in the United States, 2010." 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/glossary20112012.htm.
Table 29. Standard errors for outpatient surgery benefits: Extent of coverage
by type of plan, private industry workers, National Compensation Survey,
2011
All plans
Characteristics
All workers ...............................................................
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
0.8
0.8
–
–
Worker characteristic
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
1.6
0.9
2.4
1.7
–
0.5
–
0.7
0.9
1.9
1.9
2.5
1.9
14.1
0.8
1.0
1.1
1.4
–
–
–
–
–
–
–
–
–
1.4
1.8
1.3
0.6
3.5
–
0.7
1.0
1.3
–
–
1.1
1.8
–
2.5
2.1
1.2
2.0
1.1
–
–
–
–
–
2.4
1.4
0.8
1.1
0.9
Full time ...................................................................
Part time ..................................................................
0.7
2.2
0.8
2.3
–
–
–
–
Union .......................................................................
Nonunion .................................................................
1.9
0.8
2.1
1.0
–
–
0.9
–
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
1.0
1.0
1.0
1.2
1.8
3.7
1.1
1.1
1.2
1.7
–
–
–
–
–
–
1.4
2.6
0.5
–
1.0
1.3
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1.0
–
1.4
1.4
2.5
1.8
–
–
–
1.2
2.3
1.3
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
0.9
0.3
1.2
–
–
2.3
1.1
1.1
1.0
0.8
2.2
0.8
2.4
2.4
1.3
1.5
–
–
–
–
–
–
–
–
–
–
2.5
0.6
0.9
1.2
0.8
1.0
Establishment characteristic
See footnotes at end of table.
Table 29. Standard errors for outpatient surgery benefits: Extent of coverage by type of plan, private industry workers,
National Compensation Survey, 2011—Continued
Fee-for-service plan
Characteristics
All workers ...............................................................
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
0.8
0.8
–
–
2.2
2.2
–
1.6
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
1.8
–
2.7
1.4
–
0.3
–
0.5
–
2.0
1.6
2.8
1.8
9.8
0.9
1.0
1.3
1.5
–
–
–
–
–
–
–
–
–
1.0
1.3
1.0
0.9
4.3
–
0.8
1.2
1.4
3.6
4.8
4.5
–
–
2.8
–
3.4
–
4.0
5.1
4.8
5.2
–
2.7
3.1
3.4
6.9
–
–
–
–
–
–
–
–
–
4.0
5.3
3.4
0.4
7.5
1.2
0.3
1.6
3.5
–
–
–
–
–
3.0
1.5
1.1
1.8
1.0
–
–
–
–
–
2.6
1.5
0.8
1.3
1.0
–
–
4.7
–
–
7.2
10.4
4.9
–
4.8
–
–
–
–
–
5.9
4.3
1.9
–
2.2
Full time ...................................................................
Part time ..................................................................
0.7
–
0.8
2.6
–
–
–
0.6
2.3
6.2
2.3
6.3
–
–
1.7
1.9
Union .......................................................................
Nonunion .................................................................
1.4
0.8
1.7
1.0
–
–
1.0
–
–
2.6
6.5
2.7
–
–
2.7
2.2
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
0.9
1.0
1.1
1.6
0.9
1.0
0.9
1.3
1.6
–
–
–
–
–
–
1.6
0.3
0.5
–
0.8
1.0
–
–
3.4
3.2
3.1
5.6
6.4
13.6
3.6
3.9
2.7
6.4
–
–
–
–
–
–
2.8
10.7
0.7
3.0
3.0
4.2
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
1.5
2.9
1.7
–
–
–
1.2
2.6
1.4
4.8
–
6.2
5.2
–
6.7
–
–
–
2.7
–
3.3
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.0
–
–
–
–
–
0.4
0.4
1.1
0.6
1.6
0.9
2.8
1.8
1.0
1.3
–
–
–
–
–
–
–
–
–
0.5
1.3
0.7
1.1
1.6
0.9
1.2
2.3
1.3
4.1
–
–
–
6.2
5.4
2.3
3.5
7.7
3.0
6.5
8.3
5.2
4.3
–
–
–
–
–
–
–
–
1.9
3.7
8.7
1.9
–
–
2.4
3.2
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 29. Standard errors for outpatient surgery benefits: Extent of coverage
by type of plan, private industry workers, National Compensation Survey,
2011—Continued
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
–
1.5
–
–
3.5
4.4
2.0
4.1
–
2.0
2.5
1.9
1.8
4.1
3.9
2.8
4.9
3.9
–
–
–
–
–
–
–
–
–
1.7
2.0
1.5
0.1
2.3
2.7
2.3
2.8
1.6
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
0.7
0.8
0.8
1.2
–
1.3
0.7
0.9
1.7
1.5
2.3
1.6
–
–
–
–
–
–
–
–
1.5
0.9
1.6
0.9
2.4
2.5
–
–
–
–
–
–
1.2
2.3
2.2
2.7
2.2
1.3
2.8
1.4
2.8
2.5
–
–
–
–
–
–
–
–
–
2.3
1.4
0.9
0.6
1.3
0.3
0.9
0.8
2.7
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. Standard errors for outpatient surgery benefits: Extent of coverage by type of plan, private industry workers,
National Compensation Survey, 2011—Continued
Fee-for-service plan
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
–
–
–
–
4.1
2.1
2.6
–
–
2.6
2.2
2.2
1.7
4.3
4.5
3.8
5.1
(3)
–
–
–
–
–
–
–
–
–
2.1
2.1
2.0
0.1
1.1
4.2
3.2
1.1
–
–
–
–
–
5.9
–
4.1
6.5
–
7.6
8.3
3.5
5.5
7.6
9.1
4.1
9.6
16.1
–
–
–
–
–
–
–
–
–
3.0
4.9
–
–
6.3
–
–
8.5
6.2
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
–
1.3
–
1.2
0.7
1.0
1.6
1.5
2.3
1.7
–
–
–
–
–
–
0.6
0.7
1.4
0.7
0.9
1.2
2.5
2.9
4.8
3.2
4.3
3.6
2.9
3.1
7.2
3.0
6.5
3.6
–
–
–
–
–
–
1.8
1.4
5.0
3.0
6.2
0.1
–
1.5
–
–
–
–
–
–
0.3
2.7
1.9
3.2
2.4
1.5
2.6
1.3
3.2
1.3
–
–
–
–
–
–
–
–
–
2.8
1.4
1.1
0.9
1.4
0.5
1.1
0.9
1.2
–
4.9
4.9
–
–
–
–
–
3.7
9.9
4.8
4.9
12.4
4.6
8.7
2.1
0.6
4.0
–
–
–
–
–
–
–
–
–
5.3
3.6
0.3
3.2
3.2
3.8
0.1
0.4
4.3
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 The categories are based on the average wage for each occupation surveyed, which
may include workers with earnings both above and below the threshold. The average wages
are based on the estimates published in the "National Compensation Survey: Occupational
Earnings in the United States, 2010." See Technical Note for more details.
3 Less than 0.05.
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/glossary20112012.htm.
Table 30. Physician office visit benefits: Extent of coverage by type of plan,
private industry workers, National Compensation Survey, 2011
(All workers participating in medical care plans = 100 percent)
All plans
Characteristics
All workers ...............................................................
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
–
98
–
1
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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
99
96
97
96
98
98
98
98
–
–
–
–
–
–
–
–
–
(2)
(2)
1
1
–
1
2
1
1
–
–
–
–
–
95
100
97
98
97
–
–
–
–
–
3
–
2
1
3
Full time ...................................................................
Part time ..................................................................
–
–
98
–
–
–
1
–
Union .......................................................................
Nonunion .................................................................
3
–
94
98
–
–
4
1
Average wage within the following categories:3
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
–
–
98
98
97
97
98
98
–
–
–
–
–
–
2
2
2
1
(2)
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
98
99
98
–
–
–
1
1
1
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
–
–
–
–
–
–
–
–
97
97
99
–
94
98
99
99
–
–
–
–
–
–
–
–
1
3
1
–
4
–
(2)
(2)
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 30. Physician office visit benefits: Extent of coverage by type of plan, private industry workers, National
Compensation Survey, 2011—Continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristics
All workers ...............................................................
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
–
97
–
1
1
99
–
–
Worker characteristic
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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
100
95
96
94
97
98
97
98
–
–
–
–
–
–
–
–
–
(2)
(2)
1
2
–
2
2
1
1
–
–
–
–
–
–
–
–
–
99
99
99
100
99
99
99
99
99
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
94
100
97
97
96
–
–
–
–
–
3
–
2
1
3
–
–
–
–
–
100
99
100
100
100
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
–
–
97
–
–
–
1
–
1
–
99
100
–
–
–
–
Union .......................................................................
Nonunion .................................................................
–
–
–
98
–
–
–
1
–
–
99
99
–
–
–
–
Average wage within the following categories:3
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
–
–
98
97
97
96
98
98
–
–
–
–
–
–
2
3
2
1
1
–
–
–
–
–
–
–
100
100
100
99
99
98
–
–
–
–
–
–
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
97
98
97
–
–
–
1
2
1
–
–
–
100
100
100
–
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
–
–
–
–
–
–
–
–
97
96
99
–
94
99
100
100
–
–
–
–
–
–
–
–
1
4
1
–
6
–
(2)
(2)
1
–
–
–
–
–
–
–
99
99
99
100
91
96
97
96
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 30. Physician office visit benefits: Extent of coverage by type of plan,
private industry workers, National Compensation Survey, 2011—Continued
(All workers participating in medical care plans = 100 percent)
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
–
–
–
–
–
1
3
–
–
100
98
99
100
94
96
97
94
100
–
–
–
–
–
–
–
–
–
–
(2)
–
–
2
( )
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 ............................................
–
–
–
–
–
3
99
99
99
96
96
97
–
–
–
–
–
–
1
1
( )
1
3
2
( )
–
3
–
–
–
–
–
–
–
96
96
96
99
98
100
100
97
98
–
–
–
–
–
–
–
–
–
2
1
1
1
2
2
( )
–
–
1
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 30. Physician office visit benefits: Extent of coverage by type of plan, private industry workers, National
Compensation Survey, 2011—Continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
–
–
–
–
–
–
–
–
–
100
99
99
100
93
95
97
92
100
–
–
–
–
–
–
–
–
–
–
(2)
–
–
1
4
–
–
–
–
–
–
–
–
2
5
–
–
96
94
100
100
99
98
95
99
99
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
–
–
–
3
99
99
98
96
95
97
–
–
–
–
–
–
1
1
1
2
3
(2)
–
–
–
–
–
–
100
100
100
99
100
97
–
–
–
–
–
–
–
–
–
–
–
–
–
3
–
–
–
–
–
–
–
96
95
95
99
98
100
100
97
97
–
–
–
–
–
–
–
–
–
2
2
1
1
2
(2)
–
–
2
–
–
–
–
–
–
–
–
–
95
99
100
100
100
100
99
100
99
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
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.
3 The categories are based on the average wage for each occupation surveyed, which
may include workers with earnings both above and below the threshold. The average wages
are based on the estimates published in the "National Compensation Survey: Occupational
Earnings in the United States, 2010." 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/glossary20112012.htm.
Table 30. Standard errors for physician office visit benefits: Extent of
coverage by type of plan, private industry workers, National Compensation
Survey, 2011
All plans
Characteristics
All workers ...............................................................
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
–
0.7
–
0.4
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
–
–
–
–
–
–
–
–
–
1.2
0.2
1.9
0.9
4.6
0.7
1.1
0.8
1.2
–
–
–
–
–
–
–
–
–
0.2
(2)
0.3
0.7
–
0.7
1.1
0.6
0.8
–
–
–
–
–
2.9
0.1
1.0
1.2
1.4
–
–
–
–
–
2.0
–
0.9
0.8
1.5
Full time ...................................................................
Part time ..................................................................
–
–
0.5
–
–
–
0.3
–
Union .......................................................................
Nonunion .................................................................
0.6
–
1.9
0.7
–
–
1.7
0.3
Average wage within the following categories:3
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
–
–
0.8
1.5
1.0
0.9
0.7
0.6
–
–
–
–
–
–
0.8
1.5
0.8
0.4
0.2
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
0.9
1.3
1.1
–
–
–
0.6
1.3
0.7
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
–
–
–
–
–
–
–
–
0.8
1.2
0.6
–
4.3
0.6
0.4
0.5
–
–
–
–
–
–
–
–
0.4
1.2
0.5
–
4.2
–
(2)
2
( )
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 30. Standard errors for physician office visit benefits: Extent of coverage by type of plan, private industry
workers, National Compensation Survey, 2011—Continued
Fee-for-service plan
Characteristics
All workers ...............................................................
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
–
0.8
–
0.5
0.2
0.2
–
–
Worker characteristic
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
–
–
–
–
–
–
–
–
–
1.6
0.2
2.6
1.3
7.0
0.9
1.2
1.0
1.4
–
–
–
–
–
–
–
–
–
0.3
(2)
0.5
0.9
–
0.8
1.2
0.7
0.9
–
–
–
–
–
–
–
–
–
0.4
0.6
0.4
0.3
1.4
0.4
0.6
0.3
0.5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
3.4
(2)
1.1
1.5
1.6
–
–
–
–
–
2.3
–
1.0
1.0
1.7
–
–
–
–
–
0.2
0.8
(2)
(2)
(2)
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
–
–
0.7
–
–
–
0.4
–
0.2
–
0.2
0.1
–
–
–
–
Union .......................................................................
Nonunion .................................................................
–
–
–
0.8
–
–
–
0.3
–
–
0.3
0.3
–
–
–
–
Average wage within the following categories:3
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
–
–
1.0
1.9
1.2
1.1
0.8
0.6
–
–
–
–
–
–
1.0
1.9
1.0
0.5
0.3
–
–
–
–
–
–
–
0.2
(2)
0.1
0.3
0.4
0.9
–
–
–
–
–
–
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
1.1
1.5
1.3
–
–
–
0.7
1.5
0.9
–
–
–
(2)
(2)
(2)
–
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
–
–
–
–
–
–
–
–
1.0
1.4
0.7
–
5.4
0.4
0.1
0.1
–
–
–
–
–
–
–
–
0.5
1.4
0.7
–
5.4
–
(2)
(2)
0.3
–
–
–
–
–
–
–
0.3
0.5
0.8
(2)
5.2
1.5
2.4
3.1
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 30. Standard errors for physician office visit benefits: Extent of
coverage by type of plan, private industry workers, National Compensation
Survey, 2011—Continued
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
–
–
–
–
–
0.4
0.8
–
–
0.5
1.3
0.6
(2)
2.8
2.5
0.8
3.4
0.2
–
–
–
–
–
–
–
–
–
–
(2)
–
–
0.5
2.4
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
–
–
–
0.4
0.4
0.4
0.9
1.1
2.0
0.4
–
–
–
–
–
–
0.3
0.4
0.5
0.5
1.0
0.1
–
0.2
–
–
–
–
–
–
–
2.2
0.9
2.8
0.5
1.7
0.4
0.4
2.0
0.8
–
–
–
–
–
–
–
–
–
1.6
0.8
0.6
0.5
1.6
0.4
–
–
0.7
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 30. Standard errors for physician office visit benefits: Extent of coverage by type of plan, private industry
workers, National Compensation Survey, 2011—Continued
Fee-for-service plan
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
–
–
–
–
–
–
–
–
–
(2)
0.4
0.7
(2)
3.9
3.9
1.3
4.5
(2)
–
–
–
–
–
–
–
–
–
–
(2)
–
–
0.6
3.9
–
–
–
–
–
–
–
–
0.4
0.7
–
–
3.6
6.3
(2)
(2)
0.3
0.4
0.7
0.4
0.8
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
–
–
–
0.4
0.6
0.6
1.2
1.3
2.3
0.4
–
–
–
–
–
–
0.4
0.5
0.6
0.7
1.2
0.1
–
–
–
–
–
–
0.2
0.2
(2)
0.5
0.2
0.9
–
–
–
–
–
–
–
–
–
–
–
–
–
0.2
–
–
–
–
–
–
–
2.7
1.1
3.4
0.6
1.9
0.4
0.4
2.5
1.3
–
–
–
–
–
–
–
–
–
2.2
1.1
0.7
0.6
1.9
0.4
–
–
1.1
–
–
–
–
–
–
–
–
–
2.5
0.5
0.2
(2)
0.2
(2)
1.0
0.1
0.3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
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 0.05.
3 The categories are based on the average wage for each occupation surveyed, which
may include workers with earnings both above and below the threshold. The average wages
are based on the estimates published in the "National Compensation Survey: Occupational
Earnings in the United States, 2010." 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/glossary20112012.htm.
Table 31. Inpatient mental healthcare benefits: Extent of coverage by type of
plan, private industry workers, National Compensation Survey, 2011
(All workers participating in medical care plans = 100 percent)
All plans
Characteristics
All workers ...............................................................
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
3
92
2
2
Worker characteristic
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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
–
6
3
–
2
–
–
–
91
91
91
93
92
94
97
92
93
–
–
–
–
–
–
–
–
–
–
3
–
–
6
–
1
3
3
–
–
–
–
–
92
94
92
93
91
–
–
–
–
–
2
4
2
2
1
Full time ...................................................................
Part time ..................................................................
3
4
93
90
1
–
3
–
Union .......................................................................
Nonunion .................................................................
6
3
92
92
–
2
–
3
Average wage within the following categories:3
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
5
7
92
87
93
92
92
91
–
–
3
–
–
–
2
1
–
3
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
93
92
93
–
–
–
3
2
4
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
4
2
–
–
–
–
–
–
92
93
86
97
86
93
95
97
–
–
–
–
–
–
–
–
–
–
6
1
(2)
1
1
1
Establishment characteristic
See footnotes at end of table.
Table 31. Inpatient mental healthcare benefits: Extent of coverage by type of plan, private industry workers, National
Compensation Survey, 2011—Continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristics
All workers ...............................................................
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
2
94
2
2
10
86
–
–
Worker characteristic
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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
–
–
–
–
–
93
93
93
93
95
95
97
94
94
–
–
–
–
–
–
–
–
–
2
2
2
–
4
2
1
3
3
14
13
14
–
–
6
–
7
–
83
81
84
92
87
90
96
87
87
–
–
–
–
–
–
–
–
–
–
5
–
2
10
–
1
–
5
–
–
–
–
–
92
95
94
95
93
–
–
–
–
–
3
3
2
2
1
–
–
–
–
–
92
84
82
88
75
–
–
–
–
–
–
9
2
3
1
Full time ...................................................................
Part time ..................................................................
2
–
94
92
2
–
2
(2)
9
–
87
79
–
–
–
6
Union .......................................................................
Nonunion .................................................................
3
–
96
94
–
2
–
–
–
9
81
87
–
–
3
–
Average wage within the following categories:3
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
1
–
3
2
92
86
94
93
95
96
–
–
–
–
–
–
1
1
–
3
–
–
–
–
–
8
16
25
93
93
90
88
80
69
–
–
–
–
–
–
3
–
2
–
–
6
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
94
94
94
–
–
–
4
3
4
–
–
–
86
86
85
–
–
–
2
–
3
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
2
–
–
–
–
–
–
–
94
96
92
98
100
97
96
97
–
–
–
–
–
–
–
–
–
1
3
(2)
(2)
2
1
2
9
–
–
–
–
–
–
–
86
79
68
88
–
82
93
92
–
–
–
–
–
–
–
–
–
9
15
7
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 31. Inpatient mental healthcare benefits: Extent of coverage by type of
plan, private industry workers, National Compensation Survey,
2011—Continued
(All workers participating in medical care plans = 100 percent)
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
–
–
–
–
7
–
11
7
–
98
96
91
93
89
87
87
90
97
–
–
–
–
–
–
–
–
–
1
2
2
(2)
–
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 ............................................
–
–
–
4
3
6
94
96
91
91
92
90
–
–
–
–
–
–
2
1
2
–
–
–
12
–
–
–
–
–
–
–
5
85
90
93
90
95
96
94
92
93
–
–
–
–
–
–
–
–
–
–
4
2
6
2
1
3
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 31. Inpatient mental healthcare benefits: Extent of coverage by type of plan, private industry workers, National
Compensation Survey, 2011—Continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
–
–
–
–
4
–
–
4
–
98
97
92
94
91
91
93
91
96
–
–
–
–
–
–
–
–
–
1
2
1
–
–
5
1
–
–
–
–
–
–
15
–
28
13
–
94
90
88
92
85
82
72
86
98
–
–
–
–
–
–
–
–
–
–
–
6
2
( )
2
( )
–
–
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 ............................................
–
–
–
2
1
3
95
96
93
93
93
94
–
–
–
–
–
–
1
2
1
–
–
–
3
–
–
16
–
19
93
96
84
79
83
76
–
–
–
–
–
–
–
1
7
–
3
–
–
4
–
–
–
–
–
–
2
92
93
94
91
96
98
94
91
96
–
–
–
–
–
–
–
–
–
3
–
3
5
2
1
4
2
( )
–
29
–
–
–
–
–
–
–
9
67
77
88
81
91
80
95
97
90
–
–
–
–
–
–
–
–
–
3
8
2
17
4
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 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.
3 The categories are based on the average wage for each occupation surveyed, which
may include workers with earnings both above and below the threshold. The average wages
are based on the estimates published in the "National Compensation Survey: Occupational
Earnings in the United States, 2010." 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/glossary20112012.htm.
Table 31. Standard errors for inpatient mental healthcare benefits: Extent of
coverage by type of plan, private industry workers, National Compensation
Survey, 2011
All plans
Characteristics
All workers ...............................................................
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
0.5
0.7
0.4
0.5
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
1.0
–
1.1
0.6
–
0.5
–
–
–
1.0
2.1
1.0
1.4
4.1
1.3
1.1
1.7
1.4
–
–
–
–
–
–
–
–
–
–
0.9
–
–
3.5
–
0.6
1.3
1.1
–
–
–
–
–
2.1
2.0
1.7
1.8
2.9
–
–
–
–
–
1.4
1.6
0.6
1.1
0.2
Full time ...................................................................
Part time ..................................................................
0.5
1.0
0.7
3.9
0.4
–
0.5
–
Union .......................................................................
Nonunion .................................................................
1.6
0.5
1.8
0.7
–
0.5
–
0.6
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
0.7
0.9
2.1
5.0
1.1
1.4
0.6
1.0
–
–
0.8
–
–
–
0.5
0.5
–
1.1
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
1.3
1.9
1.8
–
–
–
1.0
1.3
1.4
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
0.5
0.5
–
–
–
–
–
–
0.9
1.4
3.8
1.1
4.3
2.1
1.6
0.7
–
–
–
–
–
–
–
–
–
–
3.0
0.4
0.1
1.2
0.5
0.6
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 31. Standard errors for inpatient mental healthcare benefits: Extent of coverage by type of plan, private industry
workers, National Compensation Survey, 2011—Continued
Fee-for-service plan
Characteristics
All workers ...............................................................
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
0.4
0.7
0.5
0.4
1.4
2.0
–
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
–
–
–
0.5
–
–
–
–
–
1.2
2.6
1.3
1.4
3.4
1.5
1.2
2.0
1.5
–
–
–
–
–
–
–
–
–
0.7
0.9
0.8
–
3.3
0.7
0.7
1.0
1.2
2.0
2.0
2.7
–
–
1.6
–
2.0
–
2.6
3.3
3.3
2.6
12.3
2.1
2.1
2.7
5.4
–
–
–
–
–
–
–
–
–
–
2.7
–
1.4
10.2
–
0.6
–
2.4
–
–
–
–
–
2.4
1.8
1.5
1.8
2.8
–
–
–
–
–
1.7
1.7
0.7
1.2
0.3
–
–
–
–
–
5.2
7.8
5.3
5.8
7.3
–
–
–
–
–
–
4.1
1.7
2.4
0.7
Full time ...................................................................
Part time ..................................................................
0.4
–
0.7
4.8
0.5
–
0.5
0.1
1.5
–
2.0
6.0
–
–
–
2.7
Union .......................................................................
Nonunion .................................................................
0.6
–
0.7
0.8
–
0.6
–
–
–
1.2
6.4
2.0
–
–
1.3
–
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
0.2
–
0.6
0.4
2.4
6.0
1.2
1.5
0.6
0.5
–
–
–
–
–
–
0.5
0.6
–
0.8
–
–
–
–
–
2.0
2.1
3.5
3.0
5.0
3.1
2.9
2.7
4.6
–
–
–
–
–
–
1.4
–
0.9
–
–
2.8
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
1.3
2.1
1.8
–
–
–
1.2
1.6
1.6
–
–
–
5.1
5.4
7.0
–
–
–
1.8
–
2.4
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
0.5
–
–
–
–
–
–
–
0.9
1.2
3.6
1.0
0.3
1.7
1.9
0.6
–
–
–
–
–
–
–
–
–
0.6
2.5
0.2
0.1
1.6
0.6
0.7
1.1
–
–
–
–
–
–
–
1.9
4.5
7.6
5.0
–
8.0
2.8
3.3
–
–
–
–
–
–
–
–
–
3.7
8.6
2.7
–
–
–
–
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 31. Standard errors for inpatient mental healthcare benefits: Extent of
coverage by type of plan, private industry workers, National Compensation
Survey, 2011—Continued
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
–
–
–
–
1.1
–
2.4
1.4
–
0.7
1.7
2.8
3.5
1.3
2.3
2.8
1.7
1.3
–
–
–
–
–
–
–
–
–
0.4
1.1
1.3
(3)
–
2.5
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
–
0.6
0.8
0.9
1.0
0.9
2.5
1.1
1.8
1.1
–
–
–
–
–
–
0.5
0.5
1.0
–
–
–
2.6
–
–
–
–
–
–
–
0.7
2.4
2.3
1.6
2.2
1.3
1.1
1.1
5.0
1.3
–
–
–
–
–
–
–
–
–
–
2.5
1.0
3.3
0.8
0.5
1.4
(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 31. Standard errors for inpatient mental healthcare benefits: Extent of coverage by type of plan, private industry
workers, National Compensation Survey, 2011—Continued
Fee-for-service plan
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
–
–
–
–
0.9
–
–
1.1
–
0.6
1.5
3.3
4.4
1.6
4.5
3.3
1.7
1.6
–
–
–
–
–
–
–
–
–
0.5
1.4
0.7
–
–
3.9
1.3
–
–
–
–
–
–
3.1
–
3.5
3.5
–
3.6
6.7
5.3
5.4
3.1
5.9
3.5
3.6
1.8
–
–
–
–
–
–
–
–
–
–
–
4.2
0.1
0.3
–
–
0.4
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
–
0.3
0.2
0.6
1.2
1.1
3.0
1.0
1.7
1.1
–
–
–
–
–
–
0.5
0.7
0.7
–
–
–
1.0
–
–
2.9
–
3.2
1.5
0.7
4.0
3.3
4.7
3.6
–
–
–
–
–
–
–
0.6
4.3
–
1.5
–
–
1.1
–
–
–
–
–
–
0.3
3.1
1.3
1.9
1.8
1.2
0.3
1.2
5.9
1.5
–
–
–
–
–
–
–
–
–
2.3
–
1.1
3.1
0.8
0.4
1.7
(3)
–
7.5
–
–
–
–
–
–
–
1.5
8.5
8.2
3.6
11.9
3.6
8.3
2.6
2.6
1.8
–
–
–
–
–
–
–
–
–
2.9
8.8
1.1
12.0
2.2
4.1
(3)
–
–
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 The categories are based on the average wage for each occupation surveyed, which
may include workers with earnings both above and below the threshold. The average wages
are based on the estimates published in the "National Compensation Survey: Occupational
Earnings in the United States, 2010." See Technical Note for more details.
3 Less than 0.05.
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/glossary20112012.htm.
Table 32. Outpatient mental healthcare benefits: Extent of coverage by type of plan, private industry workers, National
Compensation Survey, 2011
(All workers participating in medical care plans = 100 percent)
All plans
Characteristics
All workers ...............................................................
Full
coverage
Coverage
with limits1
Fee-for-service plan
No
coverage
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
–
80
–
15
–
81
–
14
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
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
–
–
–
–
80
84
78
81
81
79
86
82
–
–
–
–
–
–
–
–
14
14
13
–
15
18
11
13
–
–
–
–
–
–
–
–
81
84
80
–
76
80
88
84
–
–
–
–
–
–
–
–
12
14
10
–
17
17
8
11
–
–
–
–
–
80
83
82
83
80
–
–
–
–
–
14
13
14
13
15
–
–
–
–
–
80
86
83
85
80
–
–
–
–
–
13
10
13
12
15
Full time ...................................................................
Part time ..................................................................
–
–
80
86
–
–
16
8
–
–
81
88
–
–
15
5
Union .......................................................................
Nonunion .................................................................
–
–
84
80
–
–
12
16
3
–
87
80
–
–
–
15
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
2
–
78
71
76
80
85
87
–
–
–
–
–
–
16
18
18
17
–
10
–
–
–
–
–
1
78
71
77
80
86
88
–
–
–
–
–
–
15
15
16
16
11
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
84
83
83
–
–
–
14
15
14
–
–
–
85
85
85
–
–
–
13
13
14
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities:
Finance and insurance:
Insurance carriers and related activities ........
Professional and business services .....................
–
–
–
–
–
80
83
83
88
92
–
–
–
–
–
16
15
17
8
7
–
–
–
–
–
80
85
90
91
96
–
–
–
–
–
14
12
10
5
3
–
–
85
83
–
–
14
8
–
–
84
82
–
–
16
7
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 32. Outpatient mental healthcare benefits: Extent of coverage by type of plan, private industry workers, National
Compensation Survey, 2011—Continued
(All workers participating in medical care plans = 100 percent)
All plans
Characteristics
Full
coverage
Coverage
with limits1
Fee-for-service plan
No
coverage
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
–
2
–
3
–
85
76
–
83
77
–
–
–
–
–
4
–
–
–
15
–
3
2
–
–
85
76
79
–
75
–
–
–
–
–
4
–
–
–
14
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
–
2
78
76
82
83
82
84
–
–
–
–
–
–
17
19
12
–
15
–
–
–
–
1
–
2
78
76
81
84
84
83
–
–
–
–
–
–
16
18
12
–
13
–
3
–
–
–
–
–
–
–
88
78
88
84
73
82
79
86
–
–
–
–
–
–
–
–
–
18
10
13
18
15
18
13
–
–
–
–
–
–
–
–
86
79
90
85
75
84
80
86
–
–
–
–
–
–
–
–
10
17
9
12
15
13
17
12
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
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 The categories are based on the average wage for each occupation surveyed, which
may include workers with earnings both above and below the threshold. The average wages
are based on the estimates published in the "National Compensation Survey: Occupational
Earnings in the United States, 2010." 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/glossary20112012.htm.
Table 32. Standard errors for outpatient mental healthcare benefits: Extent of coverage by type of plan, private
industry workers, National Compensation Survey, 2011
All plans
Characteristics
All workers ...............................................................
Full
coverage
Coverage
with limits1
Fee-for-service plan
No
coverage
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
–
1.5
–
1.2
–
1.8
–
1.3
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
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 ....................
–
–
–
0.2
–
–
–
–
2.6
2.0
3.9
3.7
9.2
2.2
2.5
3.0
–
–
–
–
–
–
–
–
1.7
1.8
2.6
–
6.1
2.0
2.1
2.4
–
–
–
–
–
–
–
–
3.0
2.3
4.6
–
13.6
2.4
2.4
3.2
–
–
–
–
–
–
–
–
1.5
2.2
1.9
–
8.5
2.2
1.9
2.3
–
–
–
–
–
5.3
3.2
2.7
2.5
4.8
–
–
–
–
–
3.3
3.1
2.6
2.4
4.5
–
–
–
–
–
6.2
3.0
3.2
3.0
5.5
–
–
–
–
–
3.9
2.7
2.9
2.7
5.1
Full time ...................................................................
Part time ..................................................................
–
–
1.6
3.9
–
–
1.3
1.7
–
–
1.9
4.6
–
–
1.3
1.3
Union .......................................................................
Nonunion .................................................................
–
–
2.4
1.7
–
–
2.1
1.3
0.7
–
2.7
2.0
–
–
–
1.3
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
0.6
–
3.7
7.2
4.3
1.9
1.1
1.4
–
–
–
–
–
–
3.6
6.4
2.4
1.8
–
1.3
–
–
–
–
–
0.4
4.3
8.3
5.1
2.3
1.2
1.5
–
–
–
–
–
–
4.2
7.1
2.2
2.1
1.1
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
2.1
3.3
2.6
–
–
–
2.1
2.8
2.7
–
–
–
2.6
3.9
3.2
–
–
–
2.3
3.3
3.0
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities:
Finance and insurance:
Insurance carriers and related activities ........
Professional and business services .....................
–
–
–
–
–
1.9
2.5
4.2
2.1
3.5
–
–
–
–
–
1.4
2.5
4.2
1.7
3.4
–
–
–
–
–
2.2
2.5
3.4
1.8
1.8
–
–
–
–
–
1.4
2.5
3.4
1.4
1.7
–
–
4.0
3.7
–
–
4.0
2.4
–
–
4.5
4.3
–
–
4.5
2.3
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 32. Standard errors for outpatient mental healthcare benefits: Extent of coverage by type of plan, private
industry workers, National Compensation Survey, 2011—Continued
All plans
Characteristics
Full
coverage
Coverage
with limits1
Fee-for-service plan
No
coverage
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
–
0.6
–
0.7
–
4.7
5.7
–
4.1
6.9
–
–
–
–
–
1.7
–
–
–
3.8
–
0.8
0.6
–
–
5.6
7.2
5.8
–
8.4
–
–
–
–
–
1.5
–
–
–
3.7
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
–
0.4
–
0.6
2.9
3.6
4.3
1.4
2.2
1.8
–
–
–
–
–
–
1.9
2.3
3.4
–
2.0
–
–
–
–
0.2
–
0.5
3.5
4.3
5.1
1.6
2.3
2.0
–
–
–
–
–
–
2.0
2.2
3.8
–
2.2
–
0.7
–
–
–
–
–
–
–
3.0
1.6
2.1
4.2
5.5
6.1
3.1
3.6
–
–
–
–
–
–
–
–
–
2.7
2.1
3.5
3.3
6.4
3.3
3.6
–
–
–
–
–
–
–
–
3.2
3.2
2.4
4.2
6.0
6.5
3.3
4.4
–
–
–
–
–
–
–
–
3.0
3.1
2.3
3.5
2.7
6.7
3.7
4.4
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
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 The categories are based on the average wage for each occupation surveyed, which
may include workers with earnings both above and below the threshold. The average wages
are based on the estimates published in the "National Compensation Survey: Occupational
Earnings in the United States, 2010." 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/glossary20112012.htm.
Table 33. Inpatient substance abuse detoxification benefits: Extent of
coverage by type of plan, private industry workers, National Compensation
Survey, 2011
(All workers participating in medical care plans = 100 percent)
All plans
Characteristics
All workers ...............................................................
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
4
92
–
–
Worker characteristic
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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
–
6
5
–
2
–
–
–
91
90
91
93
92
94
97
92
90
–
–
–
–
–
–
–
–
–
–
3
–
–
6
–
1
3
4
–
–
–
–
–
89
91
92
92
92
–
–
–
–
–
3
5
2
3
1
Full time ...................................................................
Part time ..................................................................
4
–
92
88
–
–
–
1
Union .......................................................................
Nonunion .................................................................
6
4
92
92
–
2
–
3
Average wage within the following categories:3
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
2
4
6
7
92
87
94
91
92
91
–
–
–
–
–
–
1
(2)
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
5
–
91
90
91
–
–
–
4
–
5
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
4
2
–
–
16
–
2
2
92
95
90
97
84
90
95
96
–
–
–
–
–
–
–
–
–
–
6
1
–
5
–
–
Establishment characteristic
See footnotes at end of table.
Table 33. Inpatient substance abuse detoxification benefits: Extent of coverage by type of plan, private industry
workers, National Compensation Survey, 2011—Continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristics
All workers ...............................................................
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
2
94
–
–
12
84
–
–
Worker characteristic
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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
–
–
–
–
–
94
93
94
96
95
95
97
94
92
–
–
–
–
–
–
–
–
–
2
2
2
–
4
2
1
3
4
15
14
15
–
–
8
–
9
–
82
81
83
88
87
88
94
86
80
–
–
–
–
–
–
–
–
–
–
5
–
2
10
–
1
–
5
–
–
–
–
–
90
93
94
94
95
–
–
–
–
–
3
5
2
3
1
–
–
–
–
–
84
77
81
83
79
–
–
–
–
–
–
9
2
3
1
Full time ...................................................................
Part time ..................................................................
2
–
94
92
–
–
–
(2)
12
–
85
70
–
–
–
6
Union .......................................................................
Nonunion .................................................................
3
–
95
94
–
2
–
–
–
12
80
85
–
–
3
–
Average wage within the following categories:3
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
1
–
3
2
93
88
94
93
95
96
–
–
–
–
–
–
1
(2)
–
3
–
–
–
–
–
12
18
26
89
80
90
84
79
68
–
–
–
–
–
–
3
–
2
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
93
92
93
–
–
–
4
3
5
–
–
–
80
79
79
–
–
–
2
–
3
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
2
–
–
–
–
–
–
–
95
97
96
98
97
92
96
97
–
–
–
–
–
–
–
–
–
1
3
(2)
(2)
6
1
2
11
–
–
–
–
–
–
–
85
82
73
89
–
82
92
90
–
–
–
–
–
–
–
–
–
9
15
7
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 33. Inpatient substance abuse detoxification benefits: Extent of
coverage by type of plan, private industry workers, National Compensation
Survey, 2011—Continued
(All workers participating in medical care plans = 100 percent)
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
–
–
–
–
7
–
11
7
–
98
94
90
93
91
87
86
92
95
–
–
–
–
–
–
–
–
–
1
2
2
(2)
–
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 ............................................
3
–
–
5
4
7
94
96
91
90
91
89
–
–
–
–
–
–
–
2
2
–
–
–
13
–
–
–
–
–
–
–
6
84
89
93
86
95
97
95
91
93
–
–
–
–
–
–
–
–
–
3
4
2
8
2
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 ......................................................................
See footnotes at end of table.
Table 33. Inpatient substance abuse detoxification benefits: Extent of coverage by type of plan, private industry
workers, National Compensation Survey, 2011—Continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
–
–
–
–
5
–
–
5
–
98
96
92
94
93
91
93
93
98
–
–
–
–
–
–
–
–
–
1
3
1
–
–
5
2
–
–
–
–
–
–
15
–
31
13
–
94
86
85
91
85
81
69
86
85
–
–
–
–
–
–
–
–
–
–
–
6
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 ............................................
–
–
–
2
1
3
95
96
93
94
94
94
–
–
–
–
–
–
2
2
1
–
–
–
6
–
–
20
17
22
92
96
80
76
80
73
–
–
–
–
–
–
2
1
7
–
3
–
–
4
–
–
–
–
–
–
2
92
93
94
89
96
99
95
90
97
–
–
–
–
–
–
–
–
–
3
–
2
6
2
1
3
2
( )
–
32
17
11
–
–
–
–
–
12
65
75
87
62
91
82
95
97
88
–
–
–
–
–
–
–
–
–
3
8
–
17
4
7
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 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.
3 The categories are based on the average wage for each occupation surveyed, which
may include workers with earnings both above and below the threshold. The average wages
are based on the estimates published in the "National Compensation Survey: Occupational
Earnings in the United States, 2010." 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/glossary20112012.htm.
Table 33. Standard errors for inpatient substance abuse detoxification
benefits: Extent of coverage by type of plan, private industry workers,
National Compensation Survey, 2011
All plans
Characteristics
All workers ...............................................................
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
0.5
0.7
–
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
1.0
–
1.1
1.3
–
0.5
–
–
–
0.9
2.0
1.0
1.7
3.7
1.3
1.1
1.7
1.8
–
–
–
–
–
–
–
–
–
–
1.0
–
–
3.1
–
0.6
1.3
1.4
–
–
–
–
–
2.9
2.4
1.8
2.1
2.6
–
–
–
–
–
1.5
2.0
0.7
1.2
0.3
Full time ...................................................................
Part time ..................................................................
0.5
–
0.7
4.2
–
–
–
0.5
Union .......................................................................
Nonunion .................................................................
1.7
0.5
1.9
0.7
–
0.5
–
0.6
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
0.6
1.1
0.7
0.9
2.3
5.5
1.1
1.5
0.6
1.0
–
–
–
–
–
–
0.4
0.1
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
1.3
–
1.5
2.5
2.0
–
–
–
1.1
–
1.5
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
0.5
0.5
–
–
4.4
–
0.5
0.7
0.8
1.1
2.5
1.1
4.4
2.8
1.6
0.8
–
–
–
–
–
–
–
–
–
–
3.0
0.4
–
2.4
–
–
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 33. Standard errors for inpatient substance abuse detoxification benefits: Extent of coverage by type of plan,
private industry workers, National Compensation Survey, 2011—Continued
Fee-for-service plan
Characteristics
All workers ...............................................................
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
0.4
0.7
–
–
1.8
2.2
–
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
–
–
–
0.6
–
–
–
–
–
1.2
2.7
1.2
1.0
2.9
1.5
1.2
2.0
1.9
–
–
–
–
–
–
–
–
–
0.6
0.9
0.7
–
2.8
0.7
0.7
1.0
1.6
2.1
2.1
2.9
–
–
1.9
–
2.4
–
2.7
3.4
3.4
4.6
12.3
2.2
2.4
3.0
7.3
–
–
–
–
–
–
–
–
–
–
2.7
–
1.4
10.2
–
0.6
–
2.4
–
–
–
–
–
3.1
2.4
1.6
2.0
2.7
–
–
–
–
–
1.8
2.2
0.8
1.3
0.3
–
–
–
–
–
9.1
9.0
5.9
6.9
6.6
–
–
–
–
–
–
4.1
1.7
2.4
0.7
Full time ...................................................................
Part time ..................................................................
0.4
–
0.7
4.8
–
–
–
0.1
1.8
–
2.3
10.0
–
–
–
2.7
Union .......................................................................
Nonunion .................................................................
0.7
–
0.9
0.8
–
0.6
–
–
–
1.8
6.6
2.2
–
–
1.3
–
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
0.3
–
0.6
0.4
2.6
6.2
1.2
1.5
0.6
0.5
–
–
–
–
–
–
0.4
0.1
–
0.9
–
–
–
–
–
2.7
2.3
3.7
4.6
14.5
3.0
3.4
2.8
4.6
–
–
–
–
–
–
1.4
–
0.9
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
1.4
2.5
1.9
–
–
–
1.3
1.7
1.7
–
–
–
5.8
8.3
7.9
–
–
–
1.8
–
2.4
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
0.6
–
–
–
–
–
–
–
0.9
1.1
2.6
1.0
2.5
3.2
1.9
0.6
–
–
–
–
–
–
–
–
–
0.6
2.5
0.2
0.1
3.2
0.6
0.8
1.4
–
–
–
–
–
–
–
2.2
4.1
6.9
5.0
–
8.0
2.7
3.4
–
–
–
–
–
–
–
–
–
3.7
8.6
2.7
–
–
–
–
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 33. Standard errors for inpatient substance abuse detoxification
benefits: Extent of coverage by type of plan, private industry workers,
National Compensation Survey, 2011—Continued
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
–
–
–
–
1.2
–
2.3
1.4
–
0.7
2.0
2.8
3.5
1.2
2.3
2.8
1.6
2.2
–
–
–
–
–
–
–
–
–
0.4
1.4
1.3
(3)
–
2.5
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
0.8
–
–
0.7
1.0
1.0
1.0
0.7
2.6
1.1
1.8
1.1
–
–
–
–
–
–
–
0.6
0.9
–
–
–
2.4
–
–
–
–
–
–
–
1.4
2.0
2.0
1.5
2.5
1.4
0.8
1.1
5.6
1.5
–
–
–
–
–
–
–
–
–
1.8
1.8
0.9
4.3
0.8
0.5
0.9
(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 33. Standard errors for inpatient substance abuse detoxification benefits: Extent of coverage by type of plan,
private industry workers, National Compensation Survey, 2011—Continued
Fee-for-service plan
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
–
–
–
–
0.9
–
–
1.2
–
0.6
1.8
3.3
4.4
1.4
4.5
3.3
1.5
1.0
–
–
–
–
–
–
–
–
–
0.5
1.8
0.7
–
–
4.0
1.5
–
–
–
–
–
–
3.0
–
3.9
3.5
–
3.6
7.1
5.7
5.5
3.0
5.9
3.9
3.5
9.1
–
–
–
–
–
–
–
–
–
–
–
4.2
0.1
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
–
0.3
0.3
0.6
1.1
0.9
3.0
1.0
1.7
1.0
–
–
–
–
–
–
0.6
0.8
0.5
–
–
–
1.3
–
–
3.3
5.0
3.6
2.0
1.1
6.0
3.5
5.1
3.7
–
–
–
–
–
–
1.6
0.6
4.3
–
1.5
–
–
1.1
–
–
–
–
–
–
0.3
3.3
1.2
1.9
2.4
1.3
0.6
1.1
6.5
1.0
–
–
–
–
–
–
–
–
–
2.3
–
1.0
4.3
0.8
0.4
1.0
(3)
–
8.7
4.9
3.1
–
–
–
–
–
3.0
9.2
9.2
3.7
6.4
3.9
7.9
2.6
2.6
3.1
–
–
–
–
–
–
–
–
–
2.9
8.8
–
12.0
2.2
4.1
(3)
–
0.1
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 The categories are based on the average wage for each occupation surveyed, which
may include workers with earnings both above and below the threshold. The average wages
are based on the estimates published in the "National Compensation Survey: Occupational
Earnings in the United States, 2010." See Technical Note for more details.
3 Less than 0.05.
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/glossary20112012.htm.
Table 34. Inpatient substance abuse rehabilitation benefits: Extent of coverage by type of plan, private industry
workers, National Compensation Survey, 2011
(All workers participating in medical care plans = 100 percent)
All plans
Characteristics
All workers ...............................................................
Full
coverage
Coverage
with limits1
Fee-for-service plan
No
coverage
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
3
73
7
17
2
76
6
16
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
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
–
6
–
–
–
–
–
72
74
71
72
81
–
82
78
–
6
–
–
–
–
–
7
–
–
–
19
16
–
12
–
–
–
–
–
–
–
–
–
77
78
76
–
80
75
86
81
–
–
–
–
–
6
–
6
13
15
11
–
19
–
10
–
–
–
–
–
–
77
79
75
76
73
–
–
7
–
–
10
16
–
15
19
–
–
–
–
–
80
82
77
77
76
–
–
7
–
–
8
14
–
15
17
Full time ...................................................................
Part time ..................................................................
3
–
72
78
7
–
18
10
2
–
76
83
6
–
16
6
Union .......................................................................
Nonunion .................................................................
–
3
79
72
–
8
13
18
3
–
84
75
–
7
–
–
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
5
6
72
64
–
73
76
78
–
–
–
6
6
5
19
19
–
–
13
11
–
–
1
–
2
2
74
69
71
76
81
83
–
–
–
4
5
–
17
16
–
–
11
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
75
73
76
6
–
5
–
15
–
–
–
–
78
77
79
6
–
5
–
13
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities:
Finance and insurance:
Insurance carriers and related activities ........
Professional and business services .....................
3
–
–
–
–
–
72
77
–
84
68
84
7
5
–
–
–
–
17
–
–
10
18
9
2
–
–
–
–
–
76
81
80
88
–
90
6
4
–
–
–
–
16
–
16
7
–
5
–
–
79
79
–
–
14
9
–
–
83
81
–
–
15
8
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 34. Inpatient substance abuse rehabilitation benefits: Extent of coverage by type of plan, private industry
workers, National Compensation Survey, 2011—Continued
(All workers participating in medical care plans = 100 percent)
All plans
Characteristics
Full
coverage
Coverage
with limits1
Fee-for-service plan
No
coverage
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Professional and technical services .................
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
–
–
82
–
–
–
6
–
–
4
83
68
–
–
5
–
10
6
68
64
2
–
19
–
–
4
77
67
–
–
16
–
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
–
6
71
–
74
74
74
74
9
–
9
6
–
6
–
–
–
17
19
14
–
–
–
1
–
2
74
72
78
78
79
77
8
–
–
5
–
–
–
19
11
15
16
–
9
6
–
–
–
–
4
75
67
85
76
–
76
69
–
–
–
–
–
–
–
–
–
9
17
–
17
–
–
3
–
–
–
–
2
81
71
87
77
73
78
81
–
–
–
–
–
–
–
12
–
9
17
18
16
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
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 The categories are based on the average wage for each occupation surveyed, which
may include workers with earnings both above and below the threshold. The average wages
are based on the estimates published in the "National Compensation Survey: Occupational
Earnings in the United States, 2010." 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/glossary20112012.htm.
Table 34. Standard errors for inpatient substance abuse rehabilitation benefits: Extent of coverage by type of plan,
private industry workers, National Compensation Survey, 2011
All plans
Characteristics
All workers ...............................................................
Full
coverage
Coverage
with limits1
Fee-for-service plan
No
coverage
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
0.5
1.6
1.3
1.3
0.4
1.8
1.3
1.3
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
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 ....................
1.0
–
1.1
–
–
–
–
–
2.5
2.6
3.8
5.0
7.2
–
2.5
2.8
–
1.5
–
–
–
–
–
1.5
–
–
–
3.6
6.4
–
2.2
–
–
–
–
–
–
–
–
–
2.9
3.0
4.4
–
9.2
2.6
2.3
3.1
–
–
–
–
–
1.7
–
1.9
1.5
2.1
1.9
–
8.9
–
2.1
–
–
–
–
–
–
4.1
3.7
2.8
3.1
4.6
–
–
1.7
–
–
2.6
3.4
–
3.1
4.3
–
–
–
–
–
5.2
3.6
3.2
3.8
5.2
–
–
2.0
–
–
2.9
3.2
–
3.6
4.9
Full time ...................................................................
Part time ..................................................................
0.5
–
1.7
4.4
1.3
–
1.3
1.9
0.4
–
1.9
4.7
1.3
–
1.4
1.5
Union .......................................................................
Nonunion .................................................................
–
0.5
2.6
1.8
–
1.4
2.2
1.3
0.6
–
2.8
2.0
–
1.5
–
–
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
0.7
0.9
4.0
7.7
–
2.1
1.4
2.1
–
–
–
1.5
0.9
1.3
3.6
6.4
–
–
1.1
1.2
–
–
0.2
–
0.6
0.4
4.5
8.2
5.0
2.4
1.3
2.2
–
–
–
1.1
0.9
–
4.1
7.1
–
–
1.1
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
2.1
4.4
3.0
1.3
–
1.2
–
2.9
–
–
–
–
2.8
5.9
3.5
1.6
–
1.4
–
3.4
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities:
Finance and insurance:
Insurance carriers and related activities ........
Professional and business services .....................
0.5
–
–
–
–
–
1.9
2.5
–
2.5
5.6
3.7
1.6
1.1
–
–
–
–
1.4
–
–
1.9
5.2
3.6
0.5
–
–
–
–
–
2.1
2.6
4.2
2.0
–
2.7
1.6
1.2
–
–
–
–
1.4
–
4.1
1.8
–
2.2
–
–
4.9
3.8
–
–
4.0
2.5
–
–
4.5
4.0
–
–
4.4
2.3
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 34. Standard errors for inpatient substance abuse rehabilitation benefits: Extent of coverage by type of plan,
private industry workers, National Compensation Survey, 2011—Continued
All plans
Characteristics
Full
coverage
Coverage
with limits1
Fee-for-service plan
No
coverage
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Professional and technical services .................
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
–
–
4.1
–
–
–
1.9
–
–
0.9
4.7
7.3
–
–
1.6
–
2.2
1.3
5.0
7.1
0.7
–
4.3
–
–
1.1
5.6
8.5
–
–
4.7
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
–
0.6
–
0.9
2.9
–
4.6
1.7
2.7
2.0
2.1
–
2.8
1.1
–
1.6
–
–
–
1.5
2.2
1.8
–
–
–
0.2
–
0.6
3.3
4.2
4.7
1.8
2.6
2.3
2.3
–
–
1.2
–
–
–
2.4
3.8
1.6
2.4
–
1.6
1.7
–
–
–
–
0.8
5.5
2.7
2.5
4.6
–
6.2
4.3
–
–
–
–
–
–
–
–
–
2.0
6.1
–
6.6
–
–
0.7
–
–
–
–
0.3
4.3
3.7
3.0
5.2
6.3
6.5
4.4
–
–
–
–
–
–
–
3.4
–
2.3
6.2
2.9
6.8
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
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 The categories are based on the average wage for each occupation surveyed, which
may include workers with earnings both above and below the threshold. The average wages
are based on the estimates published in the "National Compensation Survey: Occupational
Earnings in the United States, 2010." 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/glossary20112012.htm.
Table 35. Outpatient substance abuse rehabilitation benefits: Extent of coverage by type of plan, private industry
workers, National Compensation Survey, 2011
(All workers participating in medical care plans = 100 percent)
All plans
Characteristics
All workers ...............................................................
Full
coverage
Coverage
with limits1
Fee-for-service plan
No
coverage
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
2
75
5
18
–
77
6
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
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 ....................
3
–
–
1
–
–
–
–
76
81
74
77
79
–
83
77
–
3
–
–
–
–
–
5
–
–
15
–
16
–
12
–
–
–
–
–
–
–
–
–
78
82
76
–
74
75
86
78
–
–
–
–
–
6
–
6
13
15
11
–
19
–
10
–
–
–
–
–
–
73
80
74
74
74
–
–
7
–
–
16
16
–
19
17
–
–
–
–
–
72
82
76
75
76
–
–
7
–
–
15
14
–
18
16
Full time ...................................................................
Part time ..................................................................
2
–
75
82
5
–
18
10
–
–
76
84
6
–
–
7
Union .......................................................................
Nonunion .................................................................
–
–
79
75
5
6
–
–
3
–
83
76
–
6
–
–
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
2
2
75
69
–
74
80
84
–
–
–
5
4
–
18
18
–
–
14
–
–
–
–
–
–
1
75
69
71
75
82
86
–
–
–
4
4
–
17
16
19
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
77
80
–
4
–
–
–
15
–
–
–
–
78
82
77
4
–
–
–
14
19
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities:
Finance and insurance:
Insurance carriers and related activities ........
Professional and business services .....................
–
–
–
–
–
75
78
–
85
90
6
5
–
–
–
–
–
–
10
9
–
–
–
–
–
76
81
83
88
95
6
5
–
–
–
–
14
15
7
5
–
–
84
80
–
–
15
8
–
–
84
80
–
–
16
7
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 35. Outpatient substance abuse rehabilitation benefits: Extent of coverage by type of plan, private industry
workers, National Compensation Survey, 2011—Continued
(All workers participating in medical care plans = 100 percent)
All plans
Characteristics
Full
coverage
Coverage
with limits1
Fee-for-service plan
No
coverage
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Professional and technical services .................
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
–
–
81
–
–
–
5
–
–
3
81
69
–
–
4
–
–
–
–
70
–
–
–
16
–
–
77
68
–
–
17
16
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
2
–
3
73
77
77
77
77
7
–
4
–
6
–
13
16
18
14
–
–
1
–
2
74
76
79
80
78
–
–
5
–
–
17
12
15
16
–
3
–
–
–
–
–
–
83
–
86
77
–
77
81
–
–
–
–
–
–
4
–
–
10
19
–
17
–
–
–
–
–
–
–
–
84
72
89
77
71
78
83
–
–
–
–
–
–
–
11
17
9
18
18
16
13
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
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 The categories are based on the average wage for each occupation surveyed, which
may include workers with earnings both above and below the threshold. The average wages
are based on the estimates published in the "National Compensation Survey: Occupational
Earnings in the United States, 2010." 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/glossary20112012.htm.
Table 35. Standard errors for outpatient substance abuse rehabilitation benefits: Extent of coverage by type of plan,
private industry workers, National Compensation Survey, 2011
All plans
Characteristics
All workers ...............................................................
Full
coverage
Coverage
with limits1
Fee-for-service plan
No
coverage
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
0.5
1.6
1.0
1.3
–
1.9
1.3
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective service ................................................
Sales and office .......................................................
Sales and related .................................................
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 ....................
0.8
–
–
0.2
–
–
–
–
2.7
2.3
3.9
3.8
9.5
–
2.5
3.2
–
0.9
–
–
–
–
–
1.4
–
–
2.7
–
6.4
–
2.2
–
–
–
–
–
–
–
–
–
3.0
2.4
4.6
–
14.0
2.5
2.4
3.6
–
–
–
–
–
1.6
–
1.6
1.5
2.2
1.9
–
8.9
–
2.2
–
–
–
–
–
–
5.6
3.6
2.9
3.2
4.8
–
–
1.7
–
–
3.3
3.5
–
3.4
4.3
–
–
–
–
–
6.6
3.5
3.4
3.9
5.3
–
–
2.0
–
–
3.9
3.2
–
3.8
4.9
Full time ...................................................................
Part time ..................................................................
0.5
–
1.7
4.1
1.1
–
1.4
1.9
–
–
2.0
4.8
1.3
–
–
1.5
Union .......................................................................
Nonunion .................................................................
–
–
2.5
1.8
1.3
1.2
–
–
0.7
–
2.9
2.1
–
1.4
–
–
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
0.6
0.7
3.9
7.1
–
2.0
1.2
1.5
–
–
–
1.1
0.6
–
3.6
6.4
–
–
1.1
–
–
–
–
–
–
0.4
4.5
8.3
5.0
2.4
1.3
1.5
–
–
–
1.0
0.7
–
4.1
7.1
2.2
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
2.5
3.6
–
0.9
–
–
–
2.9
–
–
–
–
3.0
4.3
3.8
1.1
–
–
–
3.4
3.8
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Information ...........................................................
Financial activities:
Finance and insurance:
Insurance carriers and related activities ........
Professional and business services .....................
–
–
–
–
–
1.9
2.5
–
2.2
3.6
1.3
1.0
–
–
–
–
–
–
1.9
3.5
–
–
–
–
–
2.2
2.6
3.9
2.1
2.2
1.6
1.2
–
–
–
–
2.6
4.0
1.8
2.2
–
–
4.0
3.9
–
–
4.0
2.4
–
–
4.5
4.4
–
–
4.5
2.3
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 35. Standard errors for outpatient substance abuse rehabilitation benefits: Extent of coverage by type of plan,
private industry workers, National Compensation Survey, 2011—Continued
All plans
Characteristics
Full
coverage
Coverage
with limits1
Fee-for-service plan
No
coverage
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Professional and technical services .................
Education and health services .............................
Educational services:
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
–
–
4.7
–
–
–
1.8
–
–
0.9
5.7
7.4
–
–
1.5
–
–
–
–
7.0
–
–
–
4.0
–
–
5.2
8.5
–
–
4.7
3.6
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
0.5
–
0.7
2.8
4.6
1.5
2.5
1.9
1.8
–
1.0
–
1.6
–
3.4
1.5
2.2
1.9
–
–
0.2
–
0.6
3.4
5.2
1.8
2.6
2.4
–
–
1.2
–
–
2.1
3.9
1.7
2.4
–
0.8
–
–
–
–
–
–
4.0
–
2.4
6.3
–
6.2
3.4
–
–
–
–
–
–
1.1
–
–
2.2
5.9
–
6.6
–
–
–
–
–
–
–
–
4.0
4.0
2.4
6.8
6.4
6.6
4.6
–
–
–
–
–
–
–
3.4
2.8
2.3
6.2
2.9
6.9
4.5
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
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 The categories are based on the average wage for each occupation surveyed, which
may include workers with earnings both above and below the threshold. The average wages
are based on the estimates published in the "National Compensation Survey: Occupational
Earnings in the United States, 2010." 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/glossary20112012.htm.
Table 36. Mental healthcare and substance abuse treatment benefits: Coverage for selected
services, private industry workers, National Compensation Survey, 2011
(All workers participating in medical care plans = 100 percent)
Characteristics
All workers ...............................................................
Inpatient
mental
healthcare
Outpatient
mental
healthcare
Inpatient
Inpatient
Outpatient
substance abuse substance abuse substance abuse
detoxification
rehabilitation
rehabilitation
96
82
96
76
77
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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
96
94
96
98
95
95
83
85
82
82
85
79
86
–
84
97
97
98
98
94
96
98
95
93
78
79
76
76
83
–
83
–
80
79
82
78
78
83
–
84
–
79
95
95
94
95
93
84
84
83
84
81
93
93
95
94
95
79
80
76
78
74
77
80
75
75
75
Full time ...................................................................
Part time ..................................................................
96
93
82
86
96
93
75
83
77
83
Union .......................................................................
Nonunion .................................................................
98
95
88
81
98
96
85
75
82
76
Average wage within the following categories:1
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
93
88
95
95
98
98
78
71
77
82
87
89
94
90
96
95
98
98
73
67
–
76
81
84
75
69
–
76
82
86
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
95
96
95
85
84
85
94
94
94
78
76
78
78
80
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
96
95
90
97
100
99
97
99
81
83
83
88
–
92
–
–
97
96
94
98
100
95
97
98
75
78
–
84
82
88
–
–
77
78
–
85
–
91
–
–
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 36. Mental healthcare and substance abuse treatment benefits: Coverage for selected
services, private industry workers, National Compensation Survey, 2011—Continued
(All workers participating in medical care plans = 100 percent)
Characteristics
Inpatient
mental
healthcare
Outpatient
mental
healthcare
Inpatient
Inpatient
Outpatient
substance abuse substance abuse substance abuse
detoxification
rehabilitation
rehabilitation
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
99
98
95
100
97
97
98
97
97
–
86
88
94
78
–
85
80
–
99
98
95
100
98
96
98
98
99
–
81
83
89
–
–
78
71
–
–
84
84
90
–
–
–
73
–
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
95
95
95
96
79
77
85
84
83
86
97
97
96
95
95
96
74
–
79
78
76
79
75
–
81
79
78
80
97
96
96
93
96
97
95
93
98
90
82
89
86
75
83
79
–
86
97
96
97
92
96
98
95
92
99
84
73
88
81
–
77
–
–
73
86
–
87
79
–
78
–
–
82
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The categories are based on the average wage for each occupation
surveyed, which may include workers with earnings both above and below
the threshold. The average wages are based on the estimates published in
the "National Compensation Survey: Occupational Earnings in the United
States, 2010." 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/glossary20112012.htm.
Table 36. Standard errors for mental healthcare and substance abuse treatment benefits: Coverage
for selected services, private industry workers, National Compensation Survey, 2011
Characteristics
All workers ...............................................................
Inpatient
mental
healthcare
Outpatient
mental
healthcare
Inpatient
Inpatient
Outpatient
substance abuse substance abuse substance abuse
detoxification
rehabilitation
rehabilitation
0.7
1.5
0.6
1.7
1.6
Worker characteristic
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
0.7
1.0
0.7
1.1
3.5
1.5
1.1
2.0
1.4
2.6
2.0
3.9
3.7
6.3
2.2
2.4
–
2.8
0.7
1.0
0.7
0.7
3.1
1.5
1.1
2.0
1.7
2.6
2.3
3.9
4.8
6.6
–
2.6
–
2.9
2.6
2.2
3.9
3.7
6.6
–
2.3
–
3.1
2.3
1.7
1.3
1.6
2.5
4.2
3.3
2.8
2.6
4.8
2.8
2.1
1.4
1.7
2.3
3.8
3.7
2.8
3.2
4.5
4.8
3.7
3.0
3.5
4.6
Full time ...................................................................
Part time ..................................................................
0.6
4.0
1.7
3.9
0.6
4.0
1.7
4.1
1.7
4.0
Union .......................................................................
Nonunion .................................................................
0.5
0.8
2.2
1.7
0.6
0.7
2.3
1.8
2.4
1.8
Average wage within the following categories:1
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.0
4.9
1.0
1.2
0.5
0.6
3.7
7.2
4.4
1.8
1.1
1.3
2.1
5.1
0.9
1.3
0.5
0.6
3.9
7.4
–
1.9
1.3
1.8
3.9
7.1
–
1.8
1.1
1.3
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1.1
1.9
1.5
2.3
3.3
2.9
1.3
2.2
1.6
2.4
4.1
3.2
2.8
3.6
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
0.8
1.2
3.6
0.9
0.2
1.2
1.6
0.6
1.9
2.5
4.2
2.1
–
3.5
–
–
0.8
1.1
3.0
0.9
0.2
2.4
1.6
0.6
1.9
2.5
–
2.5
5.2
3.4
–
–
1.9
2.5
–
2.2
–
3.6
–
–
Establishment characteristic
See footnotes at end of table.
Table 36. Standard errors for mental healthcare and substance abuse treatment benefits: Coverage
for selected services, private industry workers, National Compensation Survey, 2011—Continued
Characteristics
Inpatient
mental
healthcare
Outpatient
mental
healthcare
Inpatient
Inpatient
Outpatient
substance abuse substance abuse substance abuse
detoxification
rehabilitation
rehabilitation
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
0.4
1.1
2.3
(2)
0.9
2.5
1.1
0.9
1.3
–
4.0
3.1
2.1
5.7
–
4.0
7.1
–
0.4
1.4
2.3
(2)
0.7
2.5
1.2
0.6
0.8
–
4.8
3.5
2.8
–
–
4.5
7.4
–
–
4.0
3.4
2.7
–
–
–
7.2
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
0.8
0.7
1.8
0.9
1.4
1.2
2.8
3.6
3.7
1.5
2.1
2.0
0.8
0.7
1.7
0.8
1.4
1.1
2.9
–
4.1
1.7
2.6
2.0
2.8
–
4.1
1.7
2.4
2.1
1.8
2.5
1.1
3.3
1.0
0.7
1.0
5.0
1.1
3.3
2.6
2.2
3.7
5.4
6.1
3.1
–
3.6
1.8
1.8
1.0
4.3
1.0
0.7
0.9
5.6
0.5
5.2
2.7
2.2
5.8
–
6.3
–
–
4.5
4.3
–
2.3
5.8
–
6.3
–
–
3.4
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The categories are based on the average wage for each occupation
surveyed, which may include workers with earnings both above and below
the threshold. The average wages are based on the estimates published in
the "National Compensation Survey: Occupational Earnings in the United
States, 2010." See Technical Note for more details.
2 Less than 0.05.
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/glossary20112012.htm.
Table 37. Mental healthcare benefits: Median number of days or visits1covered per year for
selected services by type of plan, private industry workers, National Compensation Survey,
2011
(Includes all workers participating in plans with specified day limits)
Inpatient care
Characteristics
All plans
All workers ...............................................................
Fee-for-service
plans
Outpatient care
Health
maintenance
organizations
All plans
Fee-for-service
plans
30
30
30
30
30
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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
–
20
20
–
–
30
30
30
–
–
–
20
–
–
30
30
30
30
30
30
30
30
30
30
–
30
30
30
30
–
–
30
30
–
–
–
30
30
30
Full time ...................................................................
Part time ..................................................................
30
30
30
30
30
30
30
–
30
–
Union .......................................................................
Nonunion .................................................................
30
30
30
30
25
30
30
26
30
30
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
30
30
30
30
30
30
30
30
30
30
30
30
–
30
30
30
30
30
20
–
20
30
30
30
20
–
30
30
30
35
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
30
30
30
30
30
30
30
30
30
30
–
30
30
–
35
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
30
30
30
30
30
–
30
30
30
30
30
30
30
–
30
30
30
30
–
–
–
30
30
30
30
20
30
20
–
–
–
–
30
20
30
20
–
50
–
–
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 37. Mental healthcare benefits: Median number of days or visits1covered per year for
selected services by type of plan, private industry workers, National Compensation Survey,
2011—Continued
(Includes all workers participating in plans with specified day limits)
Inpatient care
Characteristics
All plans
Fee-for-service
plans
Outpatient care
Health
maintenance
organizations
All plans
Fee-for-service
plans
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
30
30
30
–
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
–
–
–
30
30
30
30
45
–
30
–
20
25
–
30
–
–
–
30
30
–
30
30
–
35
–
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
–
20
30
30
30
35
30
30
30
30
30
40
–
30
30
30
30
30
30
30
30
–
30
30
30
30
30
30
30
30
–
30
30
–
30
–
–
40
30
25
30
30
45
30
–
20
–
20
–
30
30
45
30
30
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 This table includes data from some plans that were obtained
from employers prior to the effective date of the Mental Health Parity
and Addiction Equity Act of 2008.
2 The categories are based on the average wage for each
occupation surveyed, which may include workers with earnings both
above and below the threshold. The average wages are based on the
estimates published in the "National Compensation Survey:
Occupational Earnings in the United States, 2010." 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/glossary20112012.htm.
Table 37. Standard errors for mental healthcare benefits: Median number of days or
visits1covered per year for selected services by type of plan, private industry workers,
National Compensation Survey, 2011
Inpatient care
Characteristics
All plans
All workers ...............................................................
Fee-for-service
plans
Outpatient care
Health
maintenance
organizations
All plans
Fee-for-service
plans
0.0
0.0
0.0
0.8
0.0
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.8
0.0
–
–
0.0
0.0
0.0
0.0
3.6
3.6
6.6
7.2
–
0.0
0.0
–
–
1.0
0.0
4.8
–
–
–
0.0
–
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
6.7
0.0
–
0.0
0.0
0.0
4.0
–
–
1.6
2.8
–
–
–
0.0
5.3
8.8
Full time ...................................................................
Part time ..................................................................
0.0
0.0
0.0
0.0
0.0
9.0
0.0
–
0.0
–
Union .......................................................................
Nonunion .................................................................
0.0
0.0
0.0
0.0
6.7
0.0
1.0
6.2
5.6
0.0
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.0
0.0
0.0
0.0
0.0
–
0.0
0.0
0.0
0.0
0.0
0.0
–
4.3
1.8
0.0
5.8
1.0
–
3.7
0.0
1.0
8.2
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
0.0
0.0
0.0
0.0
0.0
0.0
0.0
3.4
0.0
3.4
–
5.2
8.4
–
7.9
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
0.0
0.0
0.0
0.0
0.0
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
0.0
0.0
0.0
0.0
–
–
–
0.0
0.0
0.0
7.3
3.4
4.8
0.0
–
–
–
–
0.0
5.1
2.5
0.0
–
11.9
–
–
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 37. Standard errors for mental healthcare benefits: Median number of days or
visits1covered per year for selected services by type of plan, private industry workers,
National Compensation Survey, 2011—Continued
Inpatient care
Characteristics
All plans
Fee-for-service
plans
Outpatient care
Health
maintenance
organizations
All plans
Fee-for-service
plans
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
0.0
0.0
0.0
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
5.5
0.0
0.0
0.0
0.0
3.9
1.0
–
–
–
0.0
0.0
0.0
7.2
12.8
–
5.9
–
0.0
6.9
–
1.4
–
–
–
0.0
0.0
–
6.6
1.7
–
6.2
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
0.0
2.4
0.0
7.8
6.7
0.8
3.2
1.0
0.0
6.3
5.3
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
0.0
4.4
–
1.3
–
–
9.5
0.0
6.0
0.0
0.0
10.1
3.1
–
2.0
–
0.0
–
0.0
5.0
5.4
0.0
5.2
–
–
–
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 This table includes data from some plans that were obtained
from employers prior to the effective date of the Mental Health Parity
and Addiction Equity Act of 2008.
2 The categories are based on the average wage for each
occupation surveyed, which may include workers with earnings both
above and below the threshold. The average wages are based on the
estimates published in the "National Compensation Survey:
Occupational Earnings in the United States, 2010." 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/glossary20112012.htm.
Table 38. Substance abuse treatment benefits: Median number of days1 covered per year for selected
services by type of plan, private industry workers, National Compensation Survey, 2011
(Includes all workers participating in plans with specified day limits)
Inpatient
rehabilitation
Inpatient detoxification
Characteristics
All plans
All workers ...............................................................
Fee-forservice
plans
Health
maintenance
organizations
All plans
Outpatient
rehabilitation
Fee-forservice
plans
All plans
Fee-forservice
plans
30
30
30
30
30
30
30
Worker characteristic
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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
35
30
–
–
–
–
–
–
35
35
35
–
–
30
–
–
50
30
30
30
30
–
30
30
30
30
–
–
30
25
–
25
30
30
30
30
30
30
30
30
30
30
52
30
30
35
30
52
30
30
35
30
Full time ...................................................................
Part time ..................................................................
30
–
30
–
30
–
30
30
30
30
30
30
30
30
Union .......................................................................
Nonunion .................................................................
30
30
30
30
25
30
30
30
30
30
45
30
45
30
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
30
25
30
30
30
30
30
25
30
30
30
30
–
–
30
30
30
–
30
30
–
30
30
30
30
30
30
30
30
30
–
45
–
30
35
35
30
45
30
30
35
35
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
30
30
30
30
30
30
45
–
–
30
30
30
30
30
30
35
52
–
40
52
35
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
30
30
30
25
30
–
30
30
30
30
30
–
30
–
30
30
30
30
–
30
–
7
7
7
30
30
–
30
30
–
–
–
30
30
30
30
–
30
–
–
30
30
–
30
–
50
–
–
30
30
30
–
–
50
–
–
Establishment characteristic
See footnotes at end of table.
Table 38. Substance abuse treatment benefits: Median number of days1 covered per year for selected
services by type of plan, private industry workers, National Compensation Survey, 2011—Continued
(Includes all workers participating in plans with specified day limits)
Inpatient
rehabilitation
Inpatient detoxification
Characteristics
All plans
Fee-forservice
plans
Health
maintenance
organizations
All plans
Outpatient
rehabilitation
Fee-forservice
plans
All plans
Fee-forservice
plans
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
30
30
–
–
30
30
30
30
30
30
30
–
–
30
30
30
30
30
–
–
–
–
20
–
–
–
–
–
30
30
–
–
–
30
30
–
–
30
30
30
30
–
30
30
–
–
–
–
20
–
–
–
35
–
–
–
30
–
35
–
–
35
–
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
–
25
–
25
30
–
30
30
30
30
30
30
30
30
30
30
30
–
30
30
30
40
30
–
30
35
30
45
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
60
7
–
–
–
25
30
30
–
30
30
30
–
30
–
30
–
30
30
30
30
30
–
30
24
–
30
35
–
20
–
30
40
50
30
–
–
20
–
30
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Pacific ......................................................................
1 This table includes data from some plans that were obtained from
employers prior to the effective date of the Mental Health Parity and Addiction
Equity Act of 2008.
2 The categories are based on the average wage for each occupation
surveyed, which may include workers with earnings both above and below the
threshold. The average wages are based on the estimates published in the
"National Compensation Survey: Occupational Earnings in the United States,
2010." 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/glossary20112012.htm.
Table 38. Standard errors for substance abuse treatment benefits: Median number of days1 covered
per year for selected services by type of plan, private industry workers, National Compensation
Survey, 2011
Inpatient
rehabilitation
Inpatient detoxification
Characteristics
All plans
All workers ...............................................................
Fee-forservice
plans
Health
maintenance
organizations
All plans
Outpatient
rehabilitation
Fee-forservice
plans
All plans
Fee-forservice
plans
0.0
0.0
0.6
0.0
0.0
0.0
0.0
Worker characteristic
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
6.5
–
–
0.0
0.0
0.6
–
0.0
0.0
0.0
0.0
0.0
–
0.0
–
0.0
0.0
0.0
0.0
–
0.0
0.0
0.0
–
0.0
6.9
9.6
6.7
–
–
–
–
–
–
4.2
8.8
4.2
–
–
0.0
–
–
13.4
0.0
0.0
0.0
0.0
–
0.0
0.0
0.0
0.0
–
–
7.6
3.4
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.6
7.1
0.0
6.2
0.0
6.8
6.9
0.0
6.0
0.0
Full time ...................................................................
Part time ..................................................................
0.0
–
0.0
–
0.4
–
0.0
0.0
0.0
0.0
0.0
0.0
1.4
0.0
Union .......................................................................
Nonunion .................................................................
0.0
0.0
0.0
0.0
6.2
0.0
0.0
0.0
0.0
0.0
11.7
0.0
3.1
0.0
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.9
5.3
0.0
0.0
0.0
0.0
2.9
5.0
0.0
0.0
0.0
0.0
–
–
2.8
4.8
6.1
–
0.0
1.4
–
0.0
0.0
0.0
0.0
2.0
0.0
0.0
0.0
0.0
–
10.8
–
5.0
3.1
6.7
4.3
8.8
0.0
5.5
1.0
7.0
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
0.0
0.0
0.0
0.0
0.0
0.0
11.9
–
–
0.0
0.0
0.0
0.0
0.0
0.0
6.3
1.5
–
11.4
0.6
4.4
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
0.0
1.1
0.0
6.7
0.0
–
0.0
0.0
0.0
1.0
0.0
–
0.0
–
0.0
0.0
1.8
6.0
–
0.0
–
0.0
0.0
0.0
0.0
0.0
–
0.0
0.0
–
–
–
0.0
0.0
0.0
0.0
–
8.2
–
–
0.0
0.0
–
5.6
–
0.4
–
–
0.0
0.8
0.0
–
–
5.9
–
–
Establishment characteristic
See footnotes at end of table.
Table 38. Standard errors for substance abuse treatment benefits: Median number of days1 covered
per year for selected services by type of plan, private industry workers, National Compensation
Survey, 2011—Continued
Inpatient
rehabilitation
Inpatient detoxification
Characteristics
All plans
Fee-forservice
plans
Health
maintenance
organizations
All plans
Outpatient
rehabilitation
Fee-forservice
plans
All plans
Fee-forservice
plans
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
0.0
0.0
–
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
–
0.0
0.0
2.8
0.0
0.0
–
–
–
–
2.8
–
–
–
–
–
0.0
4.7
–
–
–
0.0
0.0
–
–
0.0
0.0
8.5
0.0
–
0.0
0.0
–
–
–
–
0.0
–
–
–
4.3
–
–
–
0.0
–
4.5
–
–
4.5
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
3.7
–
6.1
0.0
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
3.9
4.5
3.5
7.4
0.0
–
5.7
6.8
2.5
6.4
0.0
0.0
0.0
0.0
0.0
5.5
7.4
0.0
0.0
0.0
0.0
0.0
0.0
6.1
7.8
0.0
0.0
0.0
–
–
–
5.0
0.0
0.0
–
0.0
0.0
0.0
–
0.0
–
0.0
–
0.0
0.0
0.0
0.0
0.0
–
0.0
1.7
–
2.4
8.7
–
0.0
–
0.0
11.1
10.6
6.4
–
–
0.0
–
2.1
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Pacific ......................................................................
1 This table includes data from some plans that were obtained from
employers prior to the effective date of the Mental Health Parity and Addiction
Equity Act of 2008.
2 The categories are based on the average wage for each occupation
surveyed, which may include workers with earnings both above and below the
threshold. The average wages are based on the estimates published in the
"National Compensation Survey: Occupational Earnings in the United States,
2010." 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/glossary20112012.htm.
Table 39. Dental care benefits: Coverage for selected services, private industry workers, National
Compensation Survey, 2011
(All workers participating in dental care plans = 100 percent)
Orthodontia
Characteristics
All workers ...............................................................
Preventive
services
Basic
services
Major
services
Employee
and
dependent
Total
Dependent
only
100
100
97
78
46
33
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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
100
99
97
98
97
98
99
96
96
96
99
77
74
80
84
–
80
79
81
79
48
43
51
38
–
53
61
49
45
29
31
28
46
–
27
18
32
34
100
100
100
100
100
97
100
99
99
100
97
100
97
97
96
76
81
74
72
76
49
42
32
34
30
27
39
42
38
47
Full time ...................................................................
Part time ..................................................................
100
100
100
100
97
98
78
85
45
53
33
32
Union .......................................................................
Nonunion .................................................................
100
100
99
100
99
97
87
77
44
46
43
31
Average wage within the following categories:1
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
100
100
100
99
100
100
100
97
96
97
96
98
97
73
73
77
77
81
81
40
42
46
42
49
51
33
31
31
35
32
30
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
99
98
99
98
98
97
75
74
75
39
39
37
36
34
38
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
97
97
95
96
100
94
92
97
96
79
78
82
73
83
84
85
86
85
47
44
32
59
–
43
–
45
43
32
34
50
13
–
41
–
41
42
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 39. Dental care benefits: Coverage for selected services, private industry workers, National
Compensation Survey, 2011—Continued
(All workers participating in dental care plans = 100 percent)
Orthodontia
Characteristics
Preventive
services
Basic
services
Major
services
Employee
and
dependent
Total
Dependent
only
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
Accommodation and food services ..................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
97
94
97
99
99
98
97
98
98
100
100
87
76
75
73
90
80
73
84
82
79
77
46
32
55
52
–
40
34
45
41
–
–
41
44
21
20
–
41
39
40
41
–
–
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
98
97
98
97
97
97
70
67
75
83
81
85
42
35
52
48
48
47
28
32
22
35
32
38
100
100
100
100
100
100
100
100
100
100
100
100
100
99
100
100
100
100
92
97
99
97
96
98
98
96
98
67
80
82
68
76
80
88
79
79
34
38
30
43
58
47
54
44
57
34
41
51
26
19
32
34
34
22
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The categories are based on the average wage for each occupation
surveyed, which may include workers with earnings both above and below the
threshold. The average wages are based on the estimates published in the
"National Compensation Survey: Occupational Earnings in the United States,
2010." 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/glossary20112012.htm.
Table 39. Standard errors for dental care benefits: Coverage for selected services, private industry
workers, National Compensation Survey, 2011
Orthodontia
Characteristics
Preventive
services
Basic
services
Major
services
Employee
and
dependent
Total
Dependent
only
(1)
0.1
0.4
1.7
2.0
1.7
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
0.1
(1)
(1)
(1)
(1)
(1)
0.5
0.5
0.7
0.6
0.7
0.7
0.8
1.5
1.0
0.6
2.6
5.0
2.7
3.7
–
2.1
3.8
2.3
6.4
3.0
4.7
4.1
6.6
–
3.2
4.6
3.7
6.2
2.2
2.9
3.4
8.3
–
2.8
3.6
3.5
6.3
(1)
(1)
(1)
(1)
(1)
1.4
(1)
0.7
1.2
(1)
1.5
0.1
1.1
1.3
1.9
13.2
4.9
3.5
4.4
5.7
10.5
7.1
3.3
4.2
5.3
7.5
8.1
3.9
4.7
7.1
Full time ...................................................................
Part time ..................................................................
(1)
(1)
0.1
(1)
0.4
1.1
1.7
3.0
2.1
5.8
1.7
6.7
Union .......................................................................
Nonunion .................................................................
(1)
(1)
0.3
0.1
0.4
0.5
3.4
1.9
3.6
2.3
5.0
1.9
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
0.4
0.1
0.1
0.1
1.2
2.7
0.6
0.7
0.5
0.7
5.4
9.4
2.6
2.5
1.9
2.9
7.3
9.4
3.4
3.3
2.1
2.8
8.8
9.0
2.9
2.6
1.9
2.6
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
(1)
(1)
(1)
0.7
1.1
0.8
0.8
1.1
1.0
3.7
11.7
3.9
3.7
8.2
3.8
3.7
6.9
4.4
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
0.4
1.2
3.1
1.8
0.4
4.7
3.7
0.8
1.0
2.0
3.1
6.4
3.5
8.1
6.2
6.2
2.3
2.4
2.5
3.3
6.1
4.3
–
11.9
–
3.7
3.7
2.1
3.7
7.5
3.1
–
11.1
–
3.3
2.8
All workers ...............................................................
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 39. Standard errors for dental care benefits: Coverage for selected services, private industry
workers, National Compensation Survey, 2011—Continued
Orthodontia
Characteristics
Preventive
services
Basic
services
Major
services
Employee
and
dependent
Total
Dependent
only
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
Accommodation and food services ..................
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
1.2
2.1
1.1
0.4
1.3
0.9
1.6
0.9
1.0
(1)
(1)
3.3
5.1
4.2
7.2
4.5
3.7
5.9
2.1
4.1
8.9
10.2
5.3
5.5
5.1
7.4
–
5.5
4.9
4.2
6.4
–
–
4.4
5.0
4.2
5.9
–
6.0
7.4
4.5
6.8
–
–
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)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
0.2
0.1
0.4
0.7
0.7
1.2
0.5
0.7
0.7
3.3
3.8
5.3
1.6
2.9
1.7
3.9
4.7
5.9
2.3
3.5
3.1
2.8
3.8
4.5
2.2
4.4
3.3
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
0.1
(1)
(1)
0.7
(1)
(1)
0.1
0.2
2.5
1.3
0.3
1.0
1.4
1.3
0.9
1.6
1.1
6.0
3.7
4.2
4.4
3.2
5.0
4.1
7.0
5.7
2.7
7.5
3.0
4.0
3.0
7.7
6.2
8.9
5.1
5.7
5.8
4.9
3.6
2.9
8.8
5.4
4.6
2.5
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1
2
Less than 0.05.
The categories are based on the average wage for each occupation
surveyed, which may include workers with earnings both above and below the
threshold. The average wages are based on the estimates published in the
"National Compensation Survey: Occupational Earnings in the United States,
2010." 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/glossary20112012.htm.
Table 40. Dental care benefits: Extent of coverage for selected services, private industry workers, National
Compensation Survey, 2011
(All workers participating in dental care plans = 100 percent)
Preventive services
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Basic services
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
7
93
–
–
1
99
–
(2)
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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
6
–
–
–
8
8
7
4
93
94
92
97
99
92
92
93
96
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
99
99
99
100
100
99
100
99
98
–
–
–
–
–
–
–
–
–
(2)
–
(2)
–
–
–
–
–
1
–
–
–
–
–
97
96
94
95
91
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
97
99
98
97
99
–
–
–
–
–
3
–
1
1
–
Full time ...................................................................
Part time ..................................................................
6
–
94
88
–
–
–
–
–
–
99
100
–
–
(2)
–
Union .......................................................................
Nonunion .................................................................
9
6
91
94
–
–
–
–
–
–
98
99
–
–
1
(2)
Average wage within the following categories:3
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
10
6
6
5
95
90
90
94
94
95
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1
–
100
100
99
99
99
98
–
–
–
–
–
–
–
–
1
(2)
(2)
(2)
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
6
–
–
94
93
96
–
–
–
–
–
–
–
–
–
97
96
98
–
–
–
1
2
1
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
7
10
–
–
–
–
–
6
7
93
90
84
89
97
97
95
94
93
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
99
99
95
100
99
100
100
100
99
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
All workers ...............................................................
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 40. Dental care benefits: Extent of coverage for selected services,
private industry workers, National Compensation Survey, 2011—Continued
(All workers participating in dental care plans = 100 percent)
Major services
Characteristics
All workers ...............................................................
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
–
97
2
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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
98
97
98
99
96
96
96
99
2
–
2
–
–
4
–
3
–
–
(2)
–
–
–
–
–
–
1
–
–
–
–
–
97
100
97
97
96
–
–
–
–
–
3
–
1
1
–
Full time ...................................................................
Part time ..................................................................
–
–
97
98
2
–
–
–
Union .......................................................................
Nonunion .................................................................
–
–
99
97
–
3
1
–
Average wage within the following categories:3
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
–
–
97
96
97
96
98
97
–
–
2
3
2
2
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
97
98
97
–
–
–
1
2
1
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
–
–
–
–
–
–
–
–
–
97
97
95
96
100
94
92
97
96
3
–
–
–
–
–
–
3
4
–
–
–
–
–
–
8
–
–
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 40. Dental care benefits: Extent of coverage for selected services, private industry workers, National
Compensation Survey, 2011—Continued
(All workers participating in dental care plans = 100 percent)
Preventive services
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Basic services
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
Accommodation and food services ..................
9
–
–
–
–
–
–
–
–
–
–
91
97
96
98
99
92
83
91
94
99
99
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1
–
–
1
–
–
100
99
99
99
100
99
99
99
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 ............................................
–
–
–
6
7
6
93
90
98
94
93
94
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
99
100
99
99
99
98
–
–
–
–
–
–
–
–
–
2
( )
2
( )
(2)
–
–
4
–
–
–
–
–
7
89
90
96
99
91
94
97
94
93
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1
–
–
–
–
–
–
–
100
99
100
100
99
97
100
99
98
–
–
–
–
–
–
–
–
–
–
(2)
–
–
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 ......................................................................
See footnotes at end of table.
Table 40. Dental care benefits: Extent of coverage for selected services,
private industry workers, National Compensation Survey, 2011—Continued
(All workers participating in dental care plans = 100 percent)
Major services
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
Accommodation and food services ..................
–
–
–
–
–
–
–
–
–
–
–
97
94
97
99
99
98
97
98
98
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 ............................................
–
–
–
–
–
–
98
97
98
97
97
96
2
3
–
2
2
3
–
–
–
–
1
–
–
–
–
–
–
–
–
–
–
92
97
99
97
96
98
98
96
98
7
–
–
–
–
–
–
–
–
1
1
–
–
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 Coverage for dental procedures may be subject to
scheduled allowance, deductible, or coinsurance
provisions, in addition to maximum dollar limitations.
2 Less than 0.5.
3 The categories are based on the average wage for
each occupation surveyed, which may include workers with
earnings both above and below the threshold. The average
wages are based on the estimates published in the
"National Compensation Survey: Occupational Earnings in
the United States, 2010." 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/glossary20112012.htm.
Table 40. Standard errors for dental care benefits: Extent of coverage for selected services, private industry workers,
National Compensation Survey, 2011
Preventive services
Characteristics
All workers ...............................................................
Full
coverage
Coverage
with limits1
No
coverage
Basic services
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
1.1
1.1
–
–
0.3
0.3
–
0.1
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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
1.4
–
–
–
1.4
2.4
1.4
1.1
2.1
1.4
3.1
1.2
0.9
1.4
2.4
1.4
1.1
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.3
0.7
0.2
0.1
0.3
0.4
0.3
0.5
1.0
–
–
–
–
–
–
–
–
–
(2)
–
0.1
–
–
–
–
–
0.5
–
–
–
–
–
1.4
1.6
2.0
1.8
3.2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.4
1.1
0.9
1.5
0.7
–
–
–
–
–
1.4
–
0.7
1.2
–
Full time ...................................................................
Part time ..................................................................
1.1
–
1.1
3.7
–
–
–
–
–
–
0.3
0.2
–
–
0.1
–
Union .......................................................................
Nonunion .................................................................
2.2
1.2
2.2
1.2
–
–
–
–
–
–
0.7
0.3
–
–
0.3
0.1
Average wage within the following categories:3
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
2.6
1.2
1.1
1.1
2.1
5.5
2.6
1.2
1.1
1.1
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.4
–
(2)
(2)
0.6
0.4
0.4
0.7
–
–
–
–
–
–
–
–
0.4
0.1
0.1
0.1
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1.5
–
–
1.5
4.2
1.7
–
–
–
–
–
–
–
–
–
1.0
2.3
0.9
–
–
–
0.7
1.1
0.8
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.3
2.2
–
–
–
–
–
1.4
1.6
1.3
2.2
6.4
3.4
2.2
1.5
1.5
1.4
1.6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.2
0.7
4.4
(2)
0.6
0.2
(2)
0.2
0.2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 40. Standard errors for dental care benefits: Extent of coverage for
selected services, private industry workers, National Compensation Survey,
2011—Continued
Major services
Characteristics
All workers ...............................................................
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
–
0.4
0.3
–
Worker characteristic
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
–
–
–
–
–
–
–
–
–
0.5
0.7
0.6
0.7
0.7
0.8
1.5
1.0
0.6
0.4
–
0.5
–
–
0.8
–
1.0
–
–
0.2
–
–
–
–
–
–
0.5
–
–
–
–
–
1.5
0.1
1.1
1.3
1.9
–
–
–
–
–
1.4
–
0.7
1.2
–
Full time ...................................................................
Part time ..................................................................
–
–
0.4
1.1
0.3
–
–
–
Union .......................................................................
Nonunion .................................................................
–
–
0.4
0.5
–
0.4
0.3
–
Average wage within the following categories:3
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
–
–
1.2
2.7
0.6
0.7
0.5
0.8
–
–
0.4
0.7
0.3
0.6
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
0.8
1.1
1.0
–
–
–
0.7
1.1
0.8
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
–
–
–
–
–
–
–
–
–
0.4
1.2
3.1
1.8
0.4
4.7
3.7
0.8
1.0
0.4
–
–
–
–
–
–
0.8
1.0
–
–
–
–
–
–
3.7
–
–
Establishment characteristic
See footnotes at end of table.
Table 40. Standard errors for dental care benefits: Extent of coverage for selected services, private industry workers,
National Compensation Survey, 2011—Continued
Preventive services
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Basic services
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
Accommodation and food services ..................
1.6
–
–
–
–
–
–
–
–
–
–
1.6
1.1
1.8
1.1
1.0
3.6
5.6
3.8
4.0
0.7
0.9
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.1
–
–
0.1
–
–
(2)
0.3
0.5
0.9
(2)
0.1
0.4
0.7
0.1
(2)
(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 ............................................
–
–
–
1.1
1.7
1.2
2.1
3.4
1.1
1.1
1.7
1.2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.4
0.2
0.9
0.4
0.2
0.7
–
–
–
–
–
–
–
–
–
0.2
0.1
0.4
–
–
1.1
–
–
–
–
–
2.0
6.4
3.8
1.1
0.5
3.8
3.3
1.3
3.1
2.0
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.2
–
–
–
–
–
–
–
(2)
0.1
0.3
0.3
0.8
2.9
0.3
0.8
1.5
–
–
–
–
–
–
–
–
–
–
0.1
–
–
0.7
–
–
0.1
0.2
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 40. Standard errors for dental care benefits: Extent of coverage for
selected services, private industry workers, National Compensation Survey,
2011—Continued
Major services
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
Accommodation and food services ..................
–
–
–
–
–
–
–
–
–
–
–
1.2
2.1
1.1
0.6
1.3
0.9
1.6
0.9
1.0
(2)
(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 ............................................
–
–
–
–
–
–
0.7
0.7
1.2
0.5
0.7
0.7
0.7
0.7
–
0.4
0.4
0.6
–
–
–
–
0.5
–
–
–
–
–
–
–
–
–
–
2.5
1.3
0.4
1.0
1.4
1.3
0.9
1.6
1.1
1.8
–
–
–
–
–
–
–
–
0.9
0.7
–
–
1.1
–
–
0.1
0.2
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 dental procedures may be subject to
scheduled allowance, deductible, or coinsurance
provisions, in addition to maximum dollar limitations.
2 Less than 0.05.
3 The categories are based on the average wage for
each occupation surveyed, which may include workers with
earnings both above and below the threshold. The average
wages are based on the estimates published in the
"National Compensation Survey: Occupational Earnings in
the United States, 2010." 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/glossary20112012.htm.
Table 41. Dental care benefits: Coverage for orthodontia, private industry workers,
National Compensation Survey, 2011
(All workers participating in dental care plans = 100 percent)
Employee and dependent
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Median2
percent of
covered
charges
–
46
54
(3)
50
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
–
–
–
–
–
–
–
–
–
48
43
51
38
–
53
61
49
45
52
57
49
62
76
47
39
51
54
(3)
(3)
(3)
(3)
–
(3)
–
(3)
1
50
50
50
50
–
50
50
50
50
–
–
–
–
–
49
42
32
34
30
51
57
67
65
70
(3)
1
(3)
3
( )
(3)
50
50
50
50
50
Full time ...................................................................
Part time ..................................................................
–
–
45
53
55
47
(3)
–
50
50
Union .......................................................................
Nonunion .................................................................
–
–
44
46
55
54
1
(3)
50
50
Average wage within the following categories:4
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
–
–
40
42
46
42
49
51
60
58
54
58
51
49
–
–
(3)
(3)
(3)
(3)
50
50
50
50
50
50
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
39
39
37
60
61
62
1
(3)
1
50
50
50
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
–
–
–
–
–
–
–
–
–
47
44
32
59
–
43
79
45
43
53
56
68
41
74
57
–
55
57
(3)
–
–
–
–
–
–
–
–
50
50
50
70
–
50
50
50
50
All workers ...............................................................
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 41. Dental care benefits: Coverage for orthodontia, private industry workers, National
Compensation Survey, 2011—Continued
(All workers participating in dental care plans = 100 percent)
Dependent only
Characteristics
All workers ...............................................................
Full
coverage
Coverage
with limits1
No
coverage
Median2
percent of
covered
charges
Not
determinable
Median2
lifetime
maximum
–
33
67
–
50
$1,500
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
–
–
–
–
–
–
–
–
–
29
31
28
45
–
27
18
32
34
71
69
72
54
73
73
82
68
65
–
–
–
–
–
–
–
–
1
50
50
50
50
–
50
50
50
50
1,500
1,500
1,500
1,000
–
1,500
1,500
1,500
1,500
–
–
–
–
–
27
39
42
38
47
73
59
58
61
53
(3)
1
(3)
3
( )
(3)
50
50
50
50
50
1,500
–
1,500
1,500
1,500
Full time ...................................................................
Part time ..................................................................
–
–
33
32
67
68
–
–
50
50
1,500
1,500
Union .......................................................................
Nonunion .................................................................
–
–
43
31
56
69
–
–
50
50
1,500
1,500
Average wage within the following categories:4
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
–
–
33
31
31
35
32
30
67
69
69
65
67
70
–
–
–
–
–
–
50
50
50
50
50
50
1,000
1,500
1,500
1,500
1,500
1,500
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
36
34
38
63
66
61
1
(3)
1
50
50
50
1,500
1,500
1,500
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
–
–
–
–
–
–
–
–
–
32
34
50
13
57
41
–
41
42
68
66
50
87
43
59
94
59
58
–
–
–
–
–
–
–
–
–
50
50
50
50
50
50
–
50
50
1,500
–
1,500
1,000
1,500
1,600
1,500
1,500
1,500
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 41. Dental care benefits: Coverage for orthodontia, private industry workers,
National Compensation Survey, 2011—Continued
(All workers participating in dental care plans = 100 percent)
Employee and dependent
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Median2
percent of
covered
charges
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
Accommodation and food services ..................
–
–
–
–
–
–
–
–
–
–
–
46
32
55
52
76
40
34
45
41
46
–
54
68
45
48
–
60
66
55
59
54
64
–
–
–
–
–
3
( )
3
( )
1
–
–
–
50
50
50
50
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 ............................................
–
–
–
–
–
–
42
35
52
48
48
47
58
65
48
52
51
53
–
–
–
3
( )
1
(3)
50
50
50
50
50
50
–
–
–
–
–
–
–
–
–
34
38
30
43
58
47
54
44
57
66
62
70
57
41
53
46
56
43
(3)
–
–
–
1
–
–
–
(3)
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, 2011—Continued
(All workers participating in dental care plans = 100 percent)
Dependent only
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Median2
percent of
covered
charges
Not
determinable
Median2
lifetime
maximum
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
Accommodation and food services ..................
–
–
–
–
–
–
–
–
–
–
–
41
44
21
20
–
40
32
40
41
–
–
59
56
79
80
86
59
61
60
59
67
59
–
–
–
–
–
–
–
–
–
–
–
50
50
50
50
–
50
50
50
50
–
–
$1,500
1,500
1,500
1,500
–
1,250
1,500
1,500
1,250
1,500
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
–
–
–
–
28
32
22
35
32
38
72
68
78
64
67
62
–
–
–
–
–
–
50
50
50
50
50
50
1,500
1,500
1,500
1,500
1,500
1,500
–
–
–
–
–
–
–
–
–
31
41
51
26
19
32
34
34
22
66
59
49
74
80
68
66
66
78
–
–
–
–
1
–
–
–
(3)
50
50
50
50
50
50
50
50
50
1,500
1,500
1,250
1,500
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 Less than 0.5.
4 The categories are based on the average wage for each occupation
surveyed, which may include workers with earnings both above and below
the threshold. The average wages are based on the estimates published in
the "National Compensation Survey: Occupational Earnings in the United
States, 2010." 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/glossary20112012.htm.
Table 41. Standard errors for dental care benefits: Coverage for orthodontia, private
industry workers, National Compensation Survey, 2011
Employee and dependent
Characteristics
All workers ...............................................................
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Median2
percent of
covered
charges
–
2.0
2.0
0.1
0.0
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
–
–
–
–
–
–
–
–
–
3.0
4.7
4.1
6.6
–
3.2
4.6
3.7
6.2
3.0
4.7
4.1
6.6
8.4
3.2
4.6
3.7
6.3
(3)
(3)
(3)
(3)
–
0.1
–
0.1
0.7
0.0
0.0
0.0
0.0
–
0.0
0.0
0.0
0.0
–
–
–
–
–
10.5
7.1
3.3
4.2
5.3
10.5
7.3
3.3
4.2
5.3
(3)
1.1
0.4
0.4
0.5
0.0
0.0
0.0
0.0
0.0
Full time ...................................................................
Part time ..................................................................
–
–
2.1
5.8
2.1
5.8
0.1
–
0.0
0.0
Union .......................................................................
Nonunion .................................................................
–
–
3.6
2.3
3.7
2.3
0.8
(3)
0.0
0.0
Average wage within the following categories:4
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
–
–
7.3
9.4
3.4
3.3
2.1
2.8
7.3
9.4
3.4
3.3
2.1
2.8
–
–
(3)
0.1
0.3
(3)
0.0
0.0
0.0
0.0
0.0
0.0
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
3.7
8.2
3.8
3.7
8.2
3.8
0.7
(3)
0.9
0.0
0.0
0.0
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
–
–
–
–
–
–
–
–
–
2.5
3.3
6.1
4.3
–
11.9
7.0
3.7
3.7
2.5
3.3
6.1
4.3
7.8
11.9
–
3.7
3.7
(3)
–
–
–
–
–
–
–
–
0.0
5.2
0.0
0.0
–
0.0
0.0
0.0
0.0
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 41. Standard errors for dental care benefits: Coverage for orthodontia, private industry
workers, National Compensation Survey, 2011—Continued
Dependent only
Characteristics
All workers ...............................................................
Full
coverage
Coverage
with limits1
No
coverage
Median2
percent of
covered
charges
Not
determinable
Median2
lifetime
maximum
–
1.7
1.7
–
0.0
$0
Worker characteristic
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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
2.9
3.4
8.3
–
2.8
3.6
3.5
6.3
2.2
2.9
3.4
8.3
11.1
2.8
3.6
3.5
6.3
–
–
–
–
–
–
–
–
0.7
0.0
0.0
0.0
0.0
–
0.0
0.0
0.0
0.0
0
0
0
287
–
0
0
0
0
–
–
–
–
–
7.5
8.1
3.9
4.7
7.1
7.5
8.0
3.9
4.7
7.1
(3)
1.1
0.4
0.4
0.5
0.0
0.0
0.0
0.0
0.0
0
–
0
0
0
Full time ...................................................................
Part time ..................................................................
–
–
1.7
6.6
1.7
6.7
–
–
0.0
0.0
0
177
Union .......................................................................
Nonunion .................................................................
–
–
5.0
1.9
5.0
1.9
–
–
0.0
0.0
0
0
Average wage within the following categories:4
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
–
–
8.8
9.0
2.9
2.6
1.9
2.6
8.8
9.0
2.9
2.6
1.9
2.6
–
–
–
–
–
–
0.0
0.0
0.0
0.0
0.0
0.0
260
0
0
0
0
0
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
3.7
6.9
4.4
3.7
6.9
4.4
0.7
(3)
0.9
0.0
0.0
0.0
0
0
0
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
–
–
–
–
–
–
–
–
–
2.0
3.7
7.5
3.1
10.2
11.1
–
3.3
2.8
2.1
3.7
7.5
3.1
10.2
11.1
3.7
3.3
2.8
–
–
–
–
–
–
–
–
–
0.0
0.0
0.0
0.0
0.0
0.0
–
0.0
0.0
0
–
147
0
0
229
151
0
0
Establishment characteristic
See footnotes at end of table.
Table 41. Standard errors for dental care benefits: Coverage for orthodontia, private
industry workers, National Compensation Survey, 2011—Continued
Employee and dependent
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Median2
percent of
covered
charges
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
Accommodation and food services ..................
–
–
–
–
–
–
–
–
–
–
–
5.3
5.5
5.1
7.4
7.8
5.5
4.9
4.2
6.4
12.3
–
5.3
5.5
5.1
7.4
–
5.5
4.9
4.2
6.4
12.3
11.7
–
–
–
–
–
3
( )
3
( )
0.1
–
–
–
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
–
–
–
–
3.9
4.7
5.9
2.3
3.5
3.1
3.9
4.7
5.9
2.3
3.5
3.1
–
–
–
0.2
0.4
(3)
0.0
0.0
0.0
0.0
0.0
0.0
–
–
–
–
–
–
–
–
–
2.7
7.5
3.0
4.0
3.0
7.7
6.2
8.9
5.1
2.8
7.5
3.0
4.0
3.0
7.7
6.2
8.9
5.1
0.3
–
–
–
0.8
–
–
–
(3)
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
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. Standard errors for dental care benefits: Coverage for orthodontia, private industry
workers, National Compensation Survey, 2011—Continued
Dependent only
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Median2
percent of
covered
charges
Not
determinable
Median2
lifetime
maximum
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
Accommodation and food services ..................
–
–
–
–
–
–
–
–
–
–
–
4.4
5.0
4.2
5.9
–
6.0
3.8
4.5
6.8
–
–
4.4
5.0
4.2
5.9
8.1
6.0
7.4
4.5
6.8
11.0
12.2
–
–
–
–
–
–
–
–
–
–
–
0.0
0.0
0.0
0.0
–
0.0
0.0
0.0
0.0
–
–
$0
0
0
0
–
240
0
0
215
170
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
–
–
–
–
2.8
3.8
4.5
2.3
4.4
3.3
2.8
3.8
4.5
2.2
4.4
3.3
–
–
–
–
–
–
0.0
0.0
0.0
0.0
0.0
0.0
0
0
0
0
85
0
–
–
–
–
–
–
–
–
–
5.1
5.8
4.9
3.6
2.9
8.8
5.4
4.6
2.5
5.7
5.8
4.9
3.6
2.9
8.8
5.4
4.6
2.5
–
–
–
–
0.8
–
–
–
(3)
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
270
0
231
0
0
437
0
0
0
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.
the threshold. The average wages are based on the estimates published in
the "National Compensation Survey: Occupational Earnings in the United
States, 2010." See Technical Note for more details.
Note: Medians include only those plans that have specified provision
Less than 0.05.
The categories are based on the average wage for each occupation
surveyed, which may include workers with earnings both above and below
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/glossary20112012.htm.
2
3
4
Table 42. Dental care benefits: Median percent of covered charges
paid by plan for selected services, private industry workers, National
Compensation Survey, 2011
(Includes all workers participating in dental care plans)
Characteristics
All workers ...............................................................
Preventive
services
Basic
services
Major
services
100
80
50
Worker characteristic
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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
80
80
80
80
80
80
80
80
80
50
50
50
50
50
50
50
50
50
100
100
100
100
100
80
80
80
80
80
50
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 categories:1
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
100
80
80
80
80
80
80
50
50
50
50
50
50
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
80
80
80
50
50
50
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
100
100
80
80
80
80
80
80
80
80
80
50
50
50
60
50
50
50
50
50
Establishment characteristic
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, 2011—Continued
(Includes all workers participating in dental care plans)
Characteristics
Preventive
services
Basic
services
Major
services
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
Accommodation and food services ..................
100
100
100
100
100
100
100
100
100
100
100
80
80
80
80
80
80
80
80
80
80
80
50
50
50
60
50
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 ............................................
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 The categories are based on the average wage
for each occupation surveyed, which may include
workers with earnings both above and below the
threshold. The average wages are based on the
estimates published in the "National Compensation
Survey: Occupational Earnings in the United States,
2010." 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/glossary20112012.htm.
Table 42. Standard errors for dental care benefits: Median percent of
covered charges paid by plan for selected services, private industry
workers, National Compensation Survey, 2011
Characteristics
All workers ...............................................................
Preventive
services
Basic
services
Major
services
0.0
0.0
0.0
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
4.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.0
0.0
0.0
0.0
0.0
Full time ...................................................................
Part time ..................................................................
0.0
0.0
0.0
0.0
0.0
4.7
Union .......................................................................
Nonunion .................................................................
0.0
0.0
0.0
0.0
0.0
0.0
Average wage within the following categories:1
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.0
0.0
0.0
0.0
0.0
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
13.3
0.0
0.0
0.0
0.0
0.0
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 42. Standard errors for dental care benefits: Median percent of
covered charges paid by plan for selected services, private industry
workers, National Compensation Survey, 2011—Continued
Preventive
services
Characteristics
Basic
services
Major
services
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
Accommodation and food services ..................
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
5.2
0.0
0.0
0.0
0.0
3.9
0.0
0.0
0.0
0.0
0.0
7.8
0.0
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
4.3
0.0
0.0
4.0
Geographic area
New England ...........................................................
Middle Atlantic .........................................................
East North Central ...................................................
West North Central ..................................................
South Atlantic ...........................................................
East South Central ...................................................
West South Central ..................................................
Mountain ..................................................................
Pacific ......................................................................
1 The categories are based on the average wage
for each occupation surveyed, which may include
workers with earnings both above and below the
threshold. The average wages are based on the
estimates published in the "National Compensation
Survey: Occupational Earnings in the United States,
2010." 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/glossary20112012.htm.
Table 43. Dental care benefits: Amount of annual individual deductible,1 private industry workers, National Compensation Survey,
2011
(All workers participating in dental care plans = 100 percent)
Amount of annual individual deductible
Characteristics
All workers ...............................................................
Total
With annual
individual
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
With no
annual
individual
deductible
90th
percentile
Not
determinable
100
75
$25
$50
$50
$50
$50
24
1
Worker characteristic
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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
77
80
74
72
81
78
87
73
63
25
25
25
25
25
25
–
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
22
19
23
26
–
21
13
26
36
2
1
2
1
–
1
1
1
1
100
100
100
100
100
48
74
71
71
72
25
–
25
25
–
50
50
50
–
50
50
50
50
50
50
50
50
50
50
50
–
50
50
–
50
50
26
27
27
27
2
(2)
2
2
1
Full time ...................................................................
Part time ..................................................................
100
100
75
70
25
25
50
50
50
50
50
50
50
50
24
28
1
2
Union .......................................................................
Nonunion .................................................................
100
100
50
79
25
25
–
50
50
50
50
50
50
50
46
20
4
1
Average wage within the following categories:3
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
100
81
66
77
74
73
74
–
–
25
25
25
25
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
–
50
50
50
50
50
19
–
22
25
25
24
1
–
1
1
2
2
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
67
39
75
25
–
25
–
50
–
50
50
50
50
50
50
–
–
–
31
59
24
2
2
1
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
100
100
76
81
82
83
74
89
77
79
78
25
–
40
50
–
25
35
25
25
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
–
75
75
22
18
–
16
26
–
–
21
21
1
1
–
1
–
–
–
1
1
Establishment characteristic
See footnotes at end of table.
Table 43. Dental care benefits: Amount of annual individual deductible,1 private industry workers, National Compensation Survey,
2011—Continued
(All workers participating in dental care plans = 100 percent)
Amount of annual individual deductible
Characteristics
Total
With annual
individual
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
annual
individual
deductible
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
Accommodation and food services ..................
100
100
100
100
100
100
100
100
100
100
100
79
77
78
78
66
68
54
58
71
79
77
$25
–
25
–
20
25
25
25
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
75
50
50
50
50
–
100
50
75
75
20
23
22
–
–
29
42
40
26
–
–
2
–
–
–
–
3
5
2
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
79
77
83
72
78
66
25
25
25
25
–
25
50
50
50
50
50
–
50
50
50
50
50
50
50
50
50
50
50
50
50
50
–
50
50
50
20
23
–
26
21
31
1
1
–
2
1
2
100
100
100
100
100
100
100
100
100
81
63
75
88
75
83
88
73
68
25
25
25
25
–
25
–
–
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
100
50
50
–
50
–
50
–
50
–
33
24
12
–
–
–
27
32
–
4
1
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 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 Less than 0.5.
3 The categories are based on the average wage for each occupation surveyed, which may include
workers with earnings both above and below the threshold. The average wages are based on the
estimates published in the "National Compensation Survey: Occupational Earnings in the United States,
2010." 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/glossary20112012.htm.
Table 43. Standard errors for dental care benefits: Amount of annual individual deductible,1 private industry workers,
National Compensation Survey, 2011
Amount of annual individual deductible
Characteristics
All workers ...............................................................
With annual
individual
deductible
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
With no
annual
individual
deductible
90th
percentile
Not
determinable
2.1
$0
$0
$0
$0
$0
2.2
0.3
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
2.6
2.5
3.4
6.1
14.7
2.4
2.4
3.1
6.7
0
0
0
2
0
0
–
0
–
0
0
0
–
–
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2.7
2.5
3.6
6.0
–
2.3
2.4
3.1
6.8
0.6
0.5
0.9
0.4
–
0.3
0.5
0.4
0.6
10.7
6.4
3.8
4.2
5.2
0
–
0
0
–
14
0
0
–
0
0
0
0
0
0
0
0
0
0
0
–
0
8
–
0
11.1
6.4
3.8
4.1
5.3
1.4
0.2
0.8
1.3
0.8
Full time ...................................................................
Part time ..................................................................
2.1
4.5
0
0
0
0
0
0
0
0
0
7
2.2
4.5
0.4
1.4
Union .......................................................................
Nonunion .................................................................
5.0
1.6
0
0
–
0
0
0
0
0
0
0
5.2
1.7
0.8
0.3
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
5.3
10.5
2.9
2.7
2.9
4.6
–
–
0
0
0
0
0
10
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
–
14
0
0
0
0
5.3
–
2.9
2.8
3.1
4.9
0.5
–
0.6
0.2
0.5
0.6
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
3.9
7.9
3.7
0
–
0
–
0
–
0
0
0
0
0
0
–
–
–
3.9
8.4
3.7
0.8
2.2
0.8
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
2.1
3.0
7.4
3.8
7.0
5.2
5.2
3.0
2.4
0
–
9
14
–
0
7
0
0
0
0
0
0
0
0
0
0
–
0
0
0
0
0
–
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
–
16
0
2.2
3.0
–
3.9
7.0
–
–
3.0
2.3
0.3
0.4
–
0.8
–
–
–
0.6
0.7
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 43. Standard errors for dental care benefits: Amount of annual individual deductible,1 private industry workers,
National Compensation Survey, 2011—Continued
Amount of annual individual deductible
Characteristics
With annual
individual
deductible
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
With no
annual
individual
deductible
90th
percentile
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
Accommodation and food services ..................
2.9
5.9
5.0
7.4
12.4
4.7
5.9
5.1
5.5
8.8
11.5
$0
–
5
–
5
0
0
0
0
–
–
–
$0
0
0
–
0
0
0
8
8
–
$0
0
0
0
0
0
0
0
0
0
0
$0
–
0
0
0
0
0
0
0
15
–
$5
0
0
0
0
0
–
29
0
18
0
2.5
5.9
5.0
–
–
4.7
5.7
5.1
5.5
–
–
1.5
–
–
–
–
0.9
3.7
0.8
0.9
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
3.6
4.0
7.2
2.0
2.9
2.7
0
0
6
0
–
0
0
0
0
0
0
–
0
0
0
0
0
0
0
0
0
0
0
0
0
0
–
0
0
2
3.6
4.1
–
2.2
3.0
3.0
0.3
0.5
–
0.5
0.5
0.8
6.3
5.2
5.1
2.7
7.8
7.7
3.6
7.0
3.4
0
0
0
0
–
0
–
–
0
0
–
0
0
0
5
0
0
–
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
18
0
0
–
0
–
0
–
0
–
5.0
5.7
2.7
–
–
–
7.0
3.6
–
1.1
0.7
1.0
–
–
–
3
( )
0.5
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 categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are
based on the estimates published in the "National Compensation Survey: Occupational Earnings
in the United States, 2010." See Technical Note for more details.
3 Less than 0.05.
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/glossary20112012.htm.
Table 44. Dental care benefits: Amount of annual family deductible,1 private industry workers, National Compensation Survey, 2011
(All workers participating in dental care plans = 100 percent)
Amount of annual family deductible
Characteristics
All workers ...............................................................
Total
With annual
family
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
With no
annual family
deductible
90th
percentile
Not
determinable
100
61
$75
$100
$150
$150
$150
37
1
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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
67
68
66
58
–
60
66
57
47
75
75
75
75
–
75
100
75
75
100
100
100
100
–
100
150
100
–
150
150
150
150
–
150
150
150
150
150
150
150
150
–
150
150
150
150
150
150
150
150
–
150
150
150
150
31
31
31
40
48
39
34
42
52
2
1
2
1
–
1
1
1
1
100
100
100
100
100
36
55
58
57
60
50
75
75
75
–
–
–
100
–
100
150
150
150
150
150
150
150
150
150
150
–
150
150
–
150
62
45
40
41
39
2
(2)
2
2
1
Full time ...................................................................
Part time ..................................................................
100
100
62
56
75
–
100
150
150
150
150
150
150
150
37
42
1
2
Union .......................................................................
Nonunion .................................................................
100
100
39
65
75
75
–
100
150
150
150
150
150
150
57
34
4
1
Average wage within the following categories:3
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
100
65
–
62
59
62
63
–
–
75
75
75
75
150
–
100
100
100
100
150
–
150
150
150
150
150
–
150
150
150
150
150
–
150
150
150
150
34
48
37
40
36
36
1
–
1
1
2
2
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
59
32
67
–
–
–
–
150
75
150
150
150
150
150
150
–
–
–
39
66
32
2
2
1
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
100
100
62
64
65
64
62
66
47
61
64
75
100
100
100
–
50
100
75
75
100
100
–
150
100
75
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
37
35
35
34
38
–
–
38
35
1
1
–
1
–
–
–
1
1
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 44. Dental care benefits: Amount of annual family deductible,1 private industry workers, National Compensation Survey,
2011—Continued
(All workers participating in dental care plans = 100 percent)
Amount of annual family deductible
Characteristics
Total
With annual
family
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
annual family
deductible
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
Accommodation and food services ..................
100
100
100
100
100
100
100
100
100
100
100
64
68
62
68
37
61
50
52
62
67
67
$75
75
75
100
75
75
75
75
75
–
–
$75
100
100
100
–
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
150
150
150
150
–
200
150
150
150
35
32
38
–
63
37
45
46
35
33
–
2
–
–
–
–
3
5
2
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
60
60
59
62
69
55
75
75
75
75
75
75
100
100
–
100
100
100
150
150
150
150
150
–
150
150
150
150
150
150
150
150
150
150
150
150
39
39
–
36
30
42
1
1
–
2
1
2
100
100
100
100
100
100
100
100
100
73
53
64
65
61
71
78
63
48
75
75
75
–
75
–
75
75
75
100
100
100
–
100
–
150
–
100
–
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
–
150
150
150
150
150
150
–
150
–
43
35
34
–
–
–
37
51
–
4
1
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 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 Less than 0.5.
3 The categories are based on the average wage for each occupation surveyed, which may include
workers with earnings both above and below the threshold. The average wages are based on the
estimates published in the "National Compensation Survey: Occupational Earnings in the United States,
2010." 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/glossary20112012.htm.
Table 44. Standard errors for dental care benefits: Amount of annual family deductible,1 private industry workers, National
Compensation Survey, 2011
Amount of annual family deductible
Characteristics
All workers ...............................................................
With annual
family
deductible
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
With no
annual family
deductible
90th
percentile
Not
determinable
2.2
$0
$0
$0
$0
$0
2.4
0.3
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
3.1
3.7
3.8
7.4
–
3.2
3.9
3.6
6.2
0
0
0
0
–
0
0
0
10
0
0
0
16
–
0
0
0
–
0
0
0
0
–
0
0
0
0
0
0
0
0
–
0
0
0
0
0
0
0
0
–
0
0
0
0
3.3
3.7
4.2
7.3
13.6
3.2
3.8
3.7
6.3
0.6
0.5
0.9
0.4
–
0.3
0.5
0.4
0.6
9.2
7.2
3.2
4.1
5.1
0
22
0
0
–
–
–
7
–
0
0
0
0
0
0
0
0
0
0
0
–
0
10
–
0
9.6
7.2
3.2
4.1
5.1
1.4
0.2
0.8
1.3
0.8
Full time ...................................................................
Part time ..................................................................
2.3
5.7
0
–
0
0
0
0
0
0
0
0
2.4
5.7
0.4
1.4
Union .......................................................................
Nonunion .................................................................
4.5
2.2
0
0
–
0
0
0
0
0
0
0
4.9
2.3
0.8
0.3
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
6.9
–
3.3
3.1
3.2
5.2
–
–
0
0
0
0
0
–
0
5
0
0
0
–
0
0
0
0
0
–
0
0
0
0
0
–
0
0
0
0
6.9
11.9
3.3
3.2
3.5
5.6
0.5
–
0.6
0.2
0.5
0.6
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
3.7
6.9
3.8
–
–
–
–
0
13
0
0
10
0
0
0
–
–
–
3.7
7.4
3.7
0.8
2.2
0.8
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
2.4
3.3
7.9
4.8
6.6
10.3
7.1
3.4
3.4
0
25
0
0
–
15
10
0
0
0
0
–
0
0
12
10
–
21
0
0
0
0
–
–
0
0
0
0
0
0
0
0
21
0
0
0
0
0
0
0
35
0
0
0
0
2.6
3.3
7.9
4.8
6.6
–
–
3.3
3.4
0.3
0.4
–
0.8
–
–
–
0.6
0.7
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 44. Standard errors for dental care benefits: Amount of annual family deductible,1 private industry workers, National
Compensation Survey, 2011—Continued
Amount of annual family deductible
Characteristics
With annual
family
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
With no
annual family
deductible
90th
percentile
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
Accommodation and food services ..................
4.3
6.0
6.3
10.0
9.9
5.1
5.7
5.0
6.0
9.5
12.2
$0
7
10
17
15
0
0
0
0
–
–
$0
20
0
22
–
5
0
13
10
–
–
–
$0
0
0
28
0
0
14
0
0
0
$0
0
0
0
0
0
0
0
0
0
0
$0
20
0
0
0
0
–
24
0
0
0
4.1
6.0
6.3
–
9.9
5.2
5.5
5.0
6.1
9.5
–
1.5
–
–
–
–
0.9
3.7
0.8
0.9
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
4.3
4.6
6.9
2.3
3.3
2.6
0
5
0
0
0
0
17
14
–
0
14
17
0
0
0
0
0
–
0
0
0
0
0
0
0
0
0
0
0
0
4.3
4.6
–
2.6
3.3
3.0
0.3
0.5
–
0.5
0.5
0.8
4.6
4.7
6.5
2.9
7.8
7.7
4.3
7.8
4.1
0
0
0
–
12
–
17
0
0
0
24
14
–
26
–
24
–
0
–
0
26
19
0
0
0
0
0
0
0
0
0
0
0
0
0
0
–
0
0
0
0
0
0
–
0
–
5.2
7.1
2.8
–
–
–
7.8
4.2
–
1.1
0.7
1.0
–
–
–
(3)
0.5
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 categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are
based on the estimates published in the "National Compensation Survey: Occupational Earnings
in the United States, 2010." See Technical Note for more details.
3 Less than 0.05.
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/glossary20112012.htm.
Table 45. Dental care benefits: Amount of annual plan maximum,1 private industry workers, National Compensation Survey, 2011
(All workers participating in dental care plans = 100 percent)
Amount of annual plan maximum
Characteristics
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
11
1
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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
88
88
87
90
99
86
88
85
90
1,000
1,000
1,000
1,000
500
1,000
1,000
1,000
1,000
1,000
1,000
1,200
1,000
–
1,100
1,100
1,100
1,100
1,500
1,500
1,500
1,500
1,000
1,500
1,500
1,500
1,500
2,000
2,000
2,000
1,500
1,500
1,500
1,500
1,500
1,500
2,000
2,000
2,000
2,000
–
2,000
2,000
2,000
2,000
12
11
12
–
–
13
11
15
–
1
(2)
1
–
–
1
1
1
–
100
100
100
100
100
92
89
93
94
91
1,000
–
1,000
1,000
1,000
1,500
1,000
1,000
1,000
1,000
1,500
1,500
1,500
1,500
1,500
1,800
1,500
1,850
1,850
1,850
2,500
2,000
2,000
2,000
2,000
8
–
6
5
8
(2)
–
1
(2)
2
Full time ...................................................................
Part time ..................................................................
100
100
89
81
1,000
1,000
1,000
1,250
1,500
1,500
1,500
1,750
2,000
2,000
10
18
1
1
Union .......................................................................
Nonunion .................................................................
100
100
82
89
1,000
1,000
1,500
1,000
1,500
1,500
2,000
1,500
2,500
2,000
18
10
(2)
1
Average wage within the following categories:3
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
100
91
88
85
89
89
88
1,000
–
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,250
1,300
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
2,000
2,000
2,000
–
2,000
2,000
2,000
2,000
–
–
14
10
10
12
–
–
1
1
1
(2)
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
93
87
96
1,000
–
1,000
1,000
1,500
1,000
1,500
1,500
1,500
1,700
1,800
1,500
2,000
2,500
2,000
6
–
–
1
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
100
100
87
86
85
84
89
96
91
87
89
1,000
1,000
1,000
–
1,000
1,000
1,300
1,000
1,000
1,000
1,000
1,000
1,000
–
1,500
1,500
–
1,500
1,500
1,500
1,500
1,100
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
2,000
1,800
2,000
2,000
2,000
2,000
2,000
1,850
1,800
2,000
2,500
2,500
2,000
2,000
12
13
–
15
–
–
9
12
10
1
1
–
1
–
–
1
1
1
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 45. Dental care benefits: Amount of annual plan maximum,1 private industry workers, National Compensation Survey,
2011—Continued
(All workers participating in dental care plans = 100 percent)
Amount of annual plan maximum
Characteristics
Total
With annual
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
annual
maximum
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
Accommodation and food services ..................
100
100
100
100
100
100
100
100
100
100
100
85
94
84
88
60
89
81
88
91
98
99
$1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
–
–
$1,250
1,500
1,250
1,500
–
1,000
1,000
1,000
1,000
–
–
$1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
–
$2,000
2,000
2,000
1,500
1,500
1,500
1,500
1,500
–
1,500
–
$2,000
2,000
2,000
–
2,000
2,000
–
2,000
2,000
–
14
–
16
–
40
–
12
–
–
–
–
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 ............................................
100
100
100
100
100
100
89
87
91
88
90
87
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,200
1,100
1,000
1,200
1,500
1,500
1,500
1,500
1,500
1,500
1,500
2,000
1,500
1,700
1,500
2,000
2,000
2,000
2,000
2,000
2,000
2,000
10
11
–
11
9
13
1
2
–
1
1
(2)
100
100
100
100
100
100
100
100
100
92
89
94
94
83
92
95
92
78
1,000
1,000
1,000
1,000
1,000
–
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,100
1,000
1,200
1,100
1,500
1,500
1,500
1,500
1,500
1,500
1,250
1,500
1,500
1,500
1,500
2,000
1,500
2,000
1,500
1,500
2,000
1,500
2,000
2,000
2,000
2,000
2,000
2,000
2,000
2,000
2,000
2,500
–
10
6
–
17
–
–
–
22
–
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 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.
3 The categories are based on the average wage for each occupation surveyed, which may include
workers with earnings both above and below the threshold. The average wages are based on the
2
estimates published in the "National Compensation Survey: Occupational Earnings in the United States,
2010." 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/glossary20112012.htm.
Table 45. Standard errors for dental care benefits: Amount of annual plan maximum,1 private industry workers, National
Compensation Survey, 2011
Amount of annual plan maximum
Characteristics
All workers ...............................................................
With annual
maximum
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
With no
annual
maximum
90th
percentile
Not
determinable
1.4
$0
$44
$0
$307
$0
1.4
0.3
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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
2.3
3.0
5.2
0.6
2.3
2.5
3.1
3.4
0
0
0
0
0
0
0
0
69
265
147
114
48
–
0
0
59
180
0
0
0
98
200
0
0
0
0
78
0
301
0
83
0
34
0
124
0
0
0
196
–
0
240
0
184
2.1
2.2
3.0
–
–
2.3
2.6
3.1
–
0.3
0.3
0.5
–
–
0.5
0.9
0.3
–
2.3
5.6
1.6
1.6
2.4
68
–
0
0
0
156
20
0
0
39
0
0
0
49
0
295
0
275
221
426
0
42
0
0
0
2.2
–
1.3
1.5
2.0
0.3
–
0.8
0.5
1.7
Full time ...................................................................
Part time ..................................................................
1.3
4.6
0
39
28
49
0
0
303
279
0
0
1.4
4.6
0.3
0.5
Union .......................................................................
Nonunion .................................................................
4.0
1.3
0
0
0
0
39
0
0
0
0
0
4.0
1.3
0.1
0.4
Average wage within the following categories:2
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
3.1
6.0
3.5
1.8
1.5
2.0
69
–
0
0
0
0
20
0
0
0
67
201
290
0
237
0
0
0
20
234
0
274
51
0
102
–
0
0
0
85
–
–
3.6
1.8
1.5
2.1
–
–
0.5
0.7
0.2
0.1
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
1.0
5.3
1.2
0
–
0
0
0
0
0
0
0
316
344
371
0
0
0
1.1
–
–
0.4
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
1.7
2.4
5.4
3.7
3.3
1.9
2.5
3.0
1.9
0
0
0
–
0
0
55
0
0
118
44
44
0
–
51
0
–
0
0
91
0
0
0
69
0
0
0
279
0
69
0
0
301
0
341
98
0
0
203
234
139
310
747
225
251
1.8
2.5
–
3.8
–
–
2.5
2.9
1.8
0.4
1.2
–
1.2
–
–
0.6
0.7
0.9
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 45. Standard errors for dental care benefits: Amount of annual plan maximum,1 private industry workers, National
Compensation Survey, 2011—Continued
Amount of annual plan maximum
Characteristics
With annual
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
annual
maximum
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
Leisure and hospitality .........................................
Accommodation and food services ..................
2.3
2.1
4.2
6.0
11.5
4.1
5.4
3.8
4.5
1.9
1.0
$0
0
0
189
0
0
0
0
0
–
–
$287
0
255
0
–
39
0
221
111
–
–
$0
0
0
0
0
85
0
0
185
69
170
–
$0
169
0
0
0
243
166
0
–
0
–
$0
0
0
–
0
0
–
0
98
–
1.8
–
4.2
–
11.5
–
3.6
–
–
–
–
1.5
–
–
–
–
–
5.6
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
2.6
3.3
4.1
1.4
2.0
2.3
0
0
0
0
0
0
0
0
214
65
139
46
0
0
0
0
0
0
254
473
136
296
39
161
0
85
0
0
0
0
2.6
3.2
–
1.5
1.9
2.3
0.7
1.2
–
0.3
0.7
0.2
4.2
1.5
1.5
2.7
4.9
3.9
1.7
2.9
4.8
0
0
0
0
0
–
0
0
0
0
0
20
178
106
0
107
135
118
306
0
0
0
0
153
0
0
0
0
389
0
574
0
0
223
327
0
0
139
147
0
0
0
214
170
506
–
1.9
1.5
–
5.1
–
–
–
4.8
–
0.6
3
( )
–
0.3
–
–
–
(3)
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 The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are
based on the estimates published in the "National Compensation Survey: Occupational Earnings
in the United States, 2010." See Technical Note for more details.
3 Less than 0.05.
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/glossary20112012.htm.
Table 46. Vision care benefits1: Coverage for selected services, private industry
workers, National Compensation Survey, 2011
(All workers participating in vision care plans = 100 percent)
Characteristics
All workers ...............................................................
Eye exams
Glasses
Contact
lenses2
Lasik surgery
100
100
95
16
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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
99
100
100
100
100
100
97
99
95
93
100
92
87
94
98
18
20
16
7
–
23
17
25
–
100
100
100
100
100
100
100
100
100
100
98
98
93
95
91
–
23
14
18
–
Full time ...................................................................
Part time ..................................................................
100
100
100
100
96
82
17
–
Union .......................................................................
Nonunion .................................................................
100
100
100
100
91
96
14
17
Average wage within the following categories:3
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
100
100
100
100
100
92
91
95
97
98
–
17
17
19
21
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
100
100
100
100
100
100
97
98
97
12
–
17
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
94
86
96
72
98
100
97
99
17
15
–
–
–
33
42
54
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 46. Vision care benefits1: Coverage for selected services, private industry
workers, National Compensation Survey, 2011—Continued
(All workers participating in vision care plans = 100 percent)
Characteristics
Eye exams
Glasses
Contact
lenses2
Lasik surgery
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
99
100
100
99
98
100
99
100
98
92
82
83
93
65
34
–
–
–
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
100
100
100
100
100
100
97
95
99
94
92
95
12
14
9
19
12
24
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
99
99
89
92
99
95
100
100
98
96
46
13
–
–
21
–
–
15
11
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 with employer-provided discount cards if
there is a cost to the employer.
2 Includes plans that provide coverage for elective
purchase of contact lenses; medically necessary contact
lenses (for cataract surgery, for example) normally are
provided under the surgical portion of a medical plan and are
not described in this table.
3 The categories are based on the average wage for each
occupation surveyed, which may include workers with
earnings both above and below the threshold. The average
wages are based on the estimates published in the "National
Compensation Survey: Occupational Earnings in the United
States, 2010." 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/glossary20112012.htm.
Table 46. Standard errors for vision care benefits1: Coverage for selected
services, private industry workers, National Compensation Survey, 2011
Characteristics
Eye exams
Glasses
Contact
lenses2
Lasik surgery
(3)
0.1
0.9
1.8
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
0.1
(3)
0.2
0.5
(3)
(3)
(3)
0.1
(3)
1.2
0.2
2.0
2.4
(3)
2.3
4.7
1.7
0.8
2.7
4.2
3.0
2.0
–
3.4
4.7
4.0
–
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
1.1
1.2
2.0
1.9
3.2
–
6.8
3.6
5.3
–
Full time ...................................................................
Part time ..................................................................
(3)
(3)
0.1
(3)
0.8
6.0
1.9
–
Union .......................................................................
Nonunion .................................................................
(3)
(3)
0.1
0.1
2.5
0.9
3.0
2.3
Average wage within the following categories:4
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
(3)
(3)
(3)
(3)
(3)
0.2
0.2
0.1
0.1
0.1
3.0
2.6
1.2
0.7
1.0
–
3.1
2.3
2.4
3.4
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
(3)
(3)
(3)
(3)
(3)
(3)
1.1
1.4
1.5
3.1
–
4.5
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
0.1
(3)
(3)
(3)
(3)
(3)
(3)
(3)
1.2
3.9
2.5
7.2
1.9
(3)
2.0
0.9
2.2
4.2
–
–
–
7.7
6.4
6.0
All workers ...............................................................
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 46. Standard errors for vision care benefits1: Coverage for selected
services, private industry workers, National Compensation Survey,
2011—Continued
Characteristics
Eye exams
Glasses
Contact
lenses2
Lasik surgery
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
0.4
(3)
(3)
0.5
1.7
(3)
0.6
(3)
2.4
3.3
5.6
3.0
3.6
7.4
8.6
–
–
–
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 ............................................
(3)
(3)
(3)
(3)
(3)
(3)
0.2
0.3
(3)
0.1
(3)
0.2
1.1
2.0
0.5
1.4
2.9
1.6
2.0
2.4
2.7
2.5
3.1
3.4
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
0.3
0.8
3.3
2.1
0.6
3.4
0.1
0.4
1.7
1.3
10.3
3.7
–
–
5.3
–
–
4.5
1.8
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 with employer-provided discount cards if
there is a cost to the employer.
2 Includes plans that provide coverage for elective
purchase of contact lenses; medically necessary contact
lenses (for cataract surgery, for example) normally are
provided under the surgical portion of a medical plan and are
not described in this table.
3 Less than 0.05.
4 The categories are based on the average wage for each
occupation surveyed, which may include workers with
earnings both above and below the threshold. The average
wages are based on the estimates published in the "National
Compensation Survey: Occupational Earnings in the United
States, 2010." 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/glossary20112012.htm.
Table 47. Vision care benefits: Extent of coverage for selected services, private industry workers, National
Compensation Survey, 2011
(All workers participating in vision care plans = 100 percent)
Eye exams
Characteristics
All workers ...............................................................
Full
coverage
Coverage
with limits1
Glasses
No
coverage
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
13
87
–
–
4
96
–
–
Worker characteristic
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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
–
16
–
–
–
–
–
–
87
93
84
94
89
87
86
88
92
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
99
99
98
93
98
95
87
97
99
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
21
18
24
98
86
79
82
76
–
–
–
–
–
–
–
–
–
–
–
–
7
–
13
99
99
93
100
87
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
12
–
88
84
–
–
–
–
3
–
97
85
–
–
–
–
Union .......................................................................
Nonunion .................................................................
19
11
81
89
–
–
–
–
10
2
90
98
–
–
–
–
Average wage within the following categories:4
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
14
15
11
–
88
86
85
89
87
–
–
–
–
–
–
–
–
–
–
–
–
–
2
–
91
93
97
98
99
–
–
–
–
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
17
–
26
83
99
74
–
–
–
–
–
–
–
–
–
99
100
99
–
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
12
20
–
29
–
–
–
–
88
80
96
71
81
100
94
93
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
4
17
–
27
–
–
–
–
95
83
96
73
87
99
99
99
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 47. Vision care benefits: Extent of coverage for selected services,
private industry workers, National Compensation Survey, 2011—Continued
(All workers participating in vision care plans = 100 percent)
Contact lenses2
Characteristics
All workers ...............................................................
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
2
93
4
1
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
–
–
–
–
–
–
–
–
–
95
97
93
92
100
89
81
93
97
–
–
–
–
–
–
–
–
–
(3)
(3)
1
2
–
2
3
1
1
–
–
–
–
–
98
97
90
94
85
–
–
–
–
–
(3)
1
3
4
2
Full time ...................................................................
Part time ..................................................................
2
–
94
81
3
–
1
1
Union .......................................................................
Nonunion .................................................................
–
3
90
94
9
2
–
2
Average wage within the following categories:4
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
2
–
89
89
92
95
97
–
–
3
2
–
1
2
–
1
(3)
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
94
98
92
–
–
–
2
–
3
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
2
–
–
–
–
–
–
–
92
82
96
66
91
97
91
92
4
–
–
24
–
–
–
–
1
2
–
–
(3)
–
3
(3)
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 47. Vision care benefits: Extent of coverage for selected services, private industry workers, National
Compensation Survey, 2011—Continued
(All workers participating in vision care plans = 100 percent)
Eye exams
Characteristics
Full
coverage
Coverage
with limits1
Glasses
No
coverage
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
–
–
–
–
–
–
13
–
–
96
97
96
99
92
80
87
86
79
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
100
100
100
100
100
98
93
98
99
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
–
17
11
21
94
95
94
83
89
79
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
98
97
99
95
93
97
–
–
–
–
–
–
–
–
–
–
–
–
–
–
9
–
14
–
–
4
–
91
72
91
96
86
88
97
96
89
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
98
94
94
100
95
95
99
100
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 47. Vision care benefits: Extent of coverage for selected services,
private industry workers, National Compensation Survey, 2011—Continued
(All workers participating in vision care plans = 100 percent)
Contact lenses2
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
–
–
–
–
–
–
–
–
–
91
95
99
99
98
90
77
81
92
–
–
–
–
–
–
–
17
–
(3)
(3)
1
(3)
2
2
3
( )
–
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 ............................................
–
–
–
2
–
–
94
91
97
92
91
93
2
–
–
5
–
–
–
3
( )
1
1
1
–
–
–
–
–
–
–
–
–
92
86
89
97
94
85
99
97
95
–
9
–
–
–
–
–
–
–
(3)
–
4
3
( )
1
(3)
–
(3)
1
3
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
allowances, and employer provided discount cards if there
is a cost to the employer.
2 Includes plans that provide coverage for elective
purchase of contact lenses; medically necessary contact
lenses (for cataract surgery, for example) normally are
provided under the surgical portion of a medical plan and
are not described in this table.
3 Less than 0.5.
4 The categories are based on the average wage for
each occupation surveyed, which may include workers with
earnings both above and below the threshold. The average
wages are based on the estimates published in the
"National Compensation Survey: Occupational Earnings in
the United States, 2010." 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/glossary20112012.htm.
Table 47. Standard errors for vision care benefits: Extent of coverage for selected services, private industry workers,
National Compensation Survey, 2011
Eye exams
Characteristics
All workers ...............................................................
Full
coverage
Coverage
with limits1
Glasses
No
coverage
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
2.2
2.2
–
–
1.0
1.0
–
–
Worker characteristic
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
3.3
–
4.8
–
–
–
–
–
–
3.3
2.3
4.8
2.5
5.9
4.1
4.9
4.9
3.3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.5
0.3
0.8
3.7
1.7
2.3
4.9
1.5
1.0
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
3.2
3.0
4.8
1.3
5.7
3.2
3.0
4.8
–
–
–
–
–
–
–
–
–
–
–
–
2.0
–
3.8
0.7
1.2
2.0
(3)
3.8
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
2.4
–
2.4
6.0
–
–
–
–
0.8
–
0.8
6.0
–
–
–
–
Union .......................................................................
Nonunion .................................................................
4.4
2.3
4.4
2.3
–
–
–
–
3.0
0.5
3.0
0.5
–
–
–
–
Average wage within the following categories:4
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
3.5
3.4
2.4
–
4.4
3.5
3.4
2.4
3.8
–
–
–
–
–
–
–
–
–
–
–
–
–
0.6
–
3.3
2.7
1.0
0.6
0.3
–
–
–
–
–
–
–
–
–
–
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
4.0
–
5.3
4.0
1.0
5.3
–
–
–
–
–
–
–
–
–
0.5
(3)
0.8
–
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
2.6
4.4
–
7.5
–
–
–
–
2.6
4.4
2.5
7.5
6.0
(3)
2.5
2.7
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.3
4.3
–
7.7
–
–
–
–
1.3
4.3
2.5
7.7
4.9
0.8
0.2
0.3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristic
See footnotes at end of table.
Table 47. Standard errors for vision care benefits: Extent of coverage for
selected services, private industry workers, National Compensation Survey,
2011—Continued
Contact lenses2
Characteristics
All workers ...............................................................
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
0.5
1.0
0.8
0.4
Worker characteristic
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
–
–
–
–
–
–
–
–
–
1.3
1.3
2.0
2.6
(3)
2.5
5.1
1.8
0.9
–
–
–
–
–
–
–
–
–
0.3
0.1
0.4
1.5
–
0.9
1.9
0.7
0.6
–
–
–
–
–
1.1
1.5
2.5
2.3
4.1
–
–
–
–
–
0.3
1.1
1.1
1.9
1.2
Full time ...................................................................
Part time ..................................................................
0.5
–
0.9
6.0
0.6
–
0.4
0.8
Union .......................................................................
Nonunion .................................................................
–
0.6
2.4
1.1
2.5
0.6
–
0.5
Average wage within the following categories:4
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
0.5
–
3.1
2.8
1.5
0.8
0.7
–
–
0.9
0.6
–
0.9
1.2
–
0.3
0.3
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
–
–
–
1.9
1.4
2.8
–
–
–
1.0
–
1.5
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
0.4
–
–
–
–
–
–
–
1.3
4.2
2.5
7.7
3.0
1.9
2.3
1.9
1.1
–
–
7.2
–
–
–
–
0.5
1.2
–
–
0.3
–
2.5
0.1
Establishment characteristic
See footnotes at end of table.
Table 47. Standard errors for vision care benefits: Extent of coverage for selected services, private industry workers,
National Compensation Survey, 2011—Continued
Eye exams
Characteristics
Full
coverage
Coverage
with limits1
Glasses
No
coverage
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
–
–
–
–
–
–
4.0
–
–
2.1
2.9
2.8
0.9
10.3
8.1
4.0
4.6
8.9
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
(3)
(3)
(3)
(3)
(3)
0.9
5.4
1.0
0.5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
–
–
3.4
3.2
5.2
2.4
2.3
4.3
3.4
3.2
5.2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.9
1.5
0.9
1.5
3.0
1.3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2.7
–
2.1
–
–
1.3
–
7.5
9.8
2.7
1.8
2.1
4.4
2.3
1.3
3.9
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.3
3.4
2.5
(3)
3.4
3.6
0.7
0.4
1.5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
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.
Table 47. Standard errors for vision care benefits: Extent of coverage for
selected services, private industry workers, National Compensation Survey,
2011—Continued
Contact lenses2
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
–
–
–
–
–
–
–
–
–
2.9
3.0
0.8
0.9
2.4
3.4
5.4
3.2
3.5
–
–
–
–
–
–
–
2.9
–
0.2
(3)
0.6
(3)
2.4
1.0
0.2
–
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 ............................................
–
–
–
0.5
–
–
1.8
3.0
1.1
1.4
3.0
1.6
0.4
–
–
1.3
–
–
–
1.7
0.1
0.4
0.7
0.5
–
–
–
–
–
–
–
–
–
0.6
3.8
2.2
1.5
3.4
7.2
0.5
2.4
1.3
–
2.3
–
–
–
–
–
–
–
0.1
–
1.7
0.2
0.8
0.1
–
0.2
0.6
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
allowances, and employer provided discount cards if there
is a cost to the employer.
2 Includes plans that provide coverage for elective
purchase of contact lenses; medically necessary contact
lenses (for cataract surgery, for example) normally are
provided under the surgical portion of a medical plan and
are not described in this table.
3 Less than 0.05.
4 The categories are based on the average wage for
each occupation surveyed, which may include workers with
earnings both above and below the threshold. The average
wages are based on the estimates published in the
"National Compensation Survey: Occupational Earnings in
the United States, 2010." 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/glossary20112012.htm.
Table 48. Vision care benefits1: Median copayments for selected services,
private industry workers, National Compensation Survey, 2011
(Includes all workers participating in vision care plans)
Characteristics
All workers ...............................................................
Eye exams
Contact lenses2
Glasses
–
$25
$25
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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
10
–
20
20
25
25
20
25
–
25
25
25
20
25
–
–
25
25
25
–
10
–
–
10
15
20
25
20
20
25
20
–
25
–
25
Full time ...................................................................
Part time ..................................................................
–
10
25
25
25
–
Union .......................................................................
Nonunion .................................................................
15
10
20
25
–
25
Average wage within the following categories:3
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
10
10
25
25
–
25
25
–
25
25
25
25
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
10
10
10
20
25
20
25
25
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
–
15
–
–
15
–
10
10
25
25
25
25
20
20
20
–
25
25
–
–
–
25
–
20
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 48. Vision care benefits1: Median copayments for selected services,
private industry workers, National Compensation Survey, 2011—Continued
(Includes all workers participating in vision care plans)
Characteristics
Eye exams
Contact lenses2
Glasses
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
$10
10
15
20
–
10
–
–
10
$25
–
25
20
25
25
25
–
25
–
–
–
–
–
–
–
$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 ............................................
–
10
–
–
–
10
25
25
25
20
20
25
25
25
–
25
20
25
10
10
10
10
–
–
–
10
15
15
20
25
25
20
25
20
25
25
25
25
–
–
–
20
25
25
25
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 with employer-provided discount
cards if there is a cost to the employer.
2 Includes plans that provide coverage for elective
purchase of contact lenses; medically necessary contact
lenses (for cataract surgery, for example) normally are
provided under the surgical portion of a medical plan and
are not described in this table.
3 The categories are based on the average wage for
each occupation surveyed, which may include workers
with earnings both above and below the threshold. The
average wages are based on the estimates published in
the "National Compensation Survey: Occupational
Earnings in the United States, 2010." 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/glossary20112012.htm.
Table 48. Standard errors for vision care benefits1: Median copayments for
selected services, private industry workers, National Compensation Survey,
2011
Characteristics
All workers ...............................................................
Eye exams
Contact lenses2
Glasses
–
$5
$0
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Protective 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 ....................
–
–
–
–
$0
0
0
3
–
4
0
6
0
0
6
–
5
0
2
5
0
–
–
0
0
0
–
1
–
–
0
0
4
4
5
6
7
4
–
6
–
1
Full time ...................................................................
Part time ..................................................................
–
2
7
0
0
–
Union .......................................................................
Nonunion .................................................................
2
2
5
5
–
0
Average wage within the following categories:3
Lowest 25 percent ...............................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
1
1
2
7
–
7
6
–
0
0
0
2
Goods-producing industries .....................................
Construction .........................................................
Manufacturing ......................................................
0
0
0
0
4
0
3
7
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
–
3
–
–
0
–
1
0
3
4
0
4
0
2
6
–
0
0
–
–
–
0
–
3
Worker characteristic
Establishment characteristic
See footnotes at end of table.
Table 48. Standard errors for vision care benefits1: Median copayments for
selected services, private industry workers, National Compensation Survey,
2011—Continued
Characteristics
Eye exams
Contact lenses2
Glasses
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Professional and technical services .................
Administrative and waste services ...................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Healthcare and social assistance ....................
$0
0
4
3
–
1
–
–
1
$6
–
3
3
0
4
0
–
5
–
–
–
–
–
–
–
$0
–
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
–
0
–
–
–
1
0
0
0
1
0
6
0
0
–
3
6
3
0
0
0
0
–
–
–
2
1
0
3
4
6
1
7
3
0
3
0
0
–
–
–
6
6
0
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 with employer-provided discount
cards if there is a cost to the employer.
2 Includes plans that provide coverage for elective
purchase of contact lenses; medically necessary contact
lenses (for cataract surgery, for example) normally are
provided under the surgical portion of a medical plan and
are not described in this table.
3 The categories are based on the average wage for
each occupation surveyed, which may include workers
with earnings both above and below the threshold. The
average wages are based on the estimates published in
the "National Compensation Survey: Occupational
Earnings in the United States, 2010." 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/glossary20112012.htm.
Technical note
Data in this bulletin are from the National Compensation Survey (NCS), which is conducted by the U.S. Bureau
of Labor Statistics (BLS). The bulletin contains data on detailed provisions of employer-provided health benefit
plans for private industry workers in the United States. Excluded from the survey are federal government
workers, state and local government workers, the military, agricultural workers, private household workers,
aircraft manufacturing workers, and workers who are self-employed. Previous publications containing
information on employee benefits for civilian, private industry, and state and local government workers are
available on the BLS website: http://www.bls.gov/ncs/ebs.
Calculation details
For data presented by wage category, average hourly earnings for sampled occupations within an establishment
were used to produce estimates for worker groups within six earnings categories: the lowest 10 percent, the
lowest 25 percent, the second 25 percent, the third 25 percent, the highest 25 percent, and the highest 10
percent. The categories are based on hourly wage percentiles published in National Compensation Survey:
Occupational Earnings in the United States, 2010, (http://www.bls.gov/ncs/ncswage2010.htm), Bulletin 2753.
The hourly wage percentiles used to form the wage categories are unchanged from the 2009 bulletin since the
occupational earnings used for the percentile values are no longer published. Updated percentiles from a
different survey will be used to form the wage categories in future publications.
The percentiles were computed using earnings reported for individual workers in sampled establishment jobs
and their scheduled hours of work. Establishments in the survey may report only individual worker earnings for
each sampled job. For the calculation of the hourly percentile values, the individual worker hourly earnings are
appropriately weighted and arrayed from lowest to highest. The values corresponding to the percentiles are:
Hourly wage percentile
Characteristic
10
25
Private industry workers
$8.25
$10.69
50 (median)
$15.87
75
90
$24.81
$37.89
The lowest 10 percent and 25 percent wage categories include those occupations with an average hourly wage
less than the 10th percentile value and 25th percentile value, respectively. The second 25 percent category
includes those occupations that make at or above the 25th percentile value but less than the 50th percentile
value. The third 25 percent category includes those occupations that make at or above the 50th percentile value
but less than the 75th percentile value. Finally, the highest 25 and 10 percent wage categories include those
occupations with an average wage value greater than or equal to the 75th and 90th percentile value,
respectively.
(Note: Individual workers can fall into an earnings category different from the average for the occupation into
which they are classified because average hourly earnings for the occupation are used to produce the benefit
estimates.)
Not determinable estimates
Some tables in this bulletin contain columns with estimates classified as "not determinable." The reasons for
this classification may vary. In detailed provisions of employer-provided health care plans, the "not
determinable" classification is used whenever only partial information on a particular plan feature is available
from the Summary Plan Description (SPD). The SPD is used as a primary source of information on the
provisions of a health benefit plan. For example, in one of the tables, workers are classified as participating in
four types of fee-for-service plans. Those workers that were known to be participating in a fee-for-service
plan—but the plan type was either not specified or was specified but did not fit into any of the four categories
used in the table—were classified in the "not determinable" category.
Another situation in which the "not determinable" classification may be used is when workers are participating
in plans in which a provision is known to exist, but no information on the specific details of this provision is
available from the SPD. For example, in one of the tables, all workers participate in fee-for-service plans. The
majority of the workers that make up the base of this table participated in plans that specified a deductible, but a
small percentage of workers participated in plans in which the deductible was mentioned but not described.
These workers were classified in the "not determinable" category.
Interpreting the tables
The set of workers that represent the base, or 100 percent in the table, is indicated by the statement directly
under each table’s title. For example, the statement may say, “All workers participating in medical care plans =
100 percent,” or “All workers participating in fee-for-service plans = 100 percent.” All estimates shown in the
table are based on the set of workers specified in statements underneath the table title and on any subsets
indicated by column headers.
Most of the estimates in this bulletin are expressed in terms of the percentage of workers participating in a
particular benefit plan or the percentage covered by a specific provision. Some estimates, however, provide
values other than percentages of workers. For example, estimates might provide both the type and dollar amount
of annual individual deductibles in fee-for-service plans. The base of this table is all workers participating in
fee-for-service plans. The non-shaded estimates are percentages of workers by the type of deductible (for
example, fixed deductible or variable deductible). Shaded estimates are those that measure values other than the
percentage of workers. Shading is only used when there is a mixture of percentages and dollar values.
Survey sample
The 2011 survey included a sample of approximately 3,200 establishments.
Obtaining additional information
Information on the survey scope, sample design, data collection, survey estimation, reliability of estimates,
technical references, and survey definitions is available in Chapter 8 of the BLS Handbook of Methods,
http://www.bls.gov/opub/hom/homch8.htm. Definitions of major plans, key provisions, and related benefit
terms used by the National Compensation Survey are provided in the Glossary of Employee Benefit Terms,
http://www.bls.gov/ncs/ebs/glossary20112012.htm.
Appendix table 1: Survey establishment response
Appendix table 2: Number of workers represented
Appendix table 1. Survey establishment response, private
industry, National Compensation Survey, 2011
Number of
establishments
Establishments
Total in sampling frame1 ........................................................
4,802,599
Total in sample ....................................................................
Responding ........................................................................
Refused or unable to provide data .....................................
Out of business or not in survey scope ..............................
3,226
2,206
754
266
1 The list of establishments from which
the survey sample was selected (sampling
frame) was developed from State
unemployment insurance reports and is
based on the 2007 North American
Industry Classification System (NAICS).
For private industries, an establishment is
usually a single physical location.
Appendix table 2. Number of workers1 represented, private
industry, National Compensation Survey, 2011
Estimated number
of workers
Occupational group2
All workers .............................................................................
100,512,700
Management, professional, and related ............................
Management, business, and financial ...........................
Professional and related ................................................
Service ...............................................................................
Protective 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 ..............................
25,471,900
9,740,400
15,731,500
22,388,400
1,438,700
28,662,000
11,844,100
16,817,800
8,094,400
3,352,200
4,742,200
15,896,100
7,957,100
7,938,900
1 The number of workers represented
by the survey are rounded to the nearest
100. Estimates of the number of workers
provide a description of the size and
composition of the labor force included in
the survey. Estimates are not intended,
however, for comparison to other statistical
series to measure employment trends or
levels.
2 The 2000 Standard Occupational
Classification system is used to classify
workers.