Table 1. Medical care benefits: Plan type, private industry workers, 2015
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristics
Total
Traditional
Exclusive
provider
organization1
Preferred
provider
organization2
Point of
service plan3
Not
determinable
Worker characteristics
All workers ...............................................................
84
1
7
69
7
–
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 ....................
82
82
81
78
85
88
83
88
88
87
86
87
–
–
–
–
–
–
1
–
–
–
–
1
6
5
7
10
7
–
8
–
–
8
8
8
64
71
59
61
71
78
68
81
82
74
72
77
10
–
15
7
5
–
6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
84
–
1
–
7
4
68
76
7
4
–
–
Union .......................................................................
Nonunion .................................................................
84
84
–
1
6
7
74
68
–
7
–
–
Average wage within the following categories4:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
85
83
84
86
1
1
1
–
8
8
6
5
70
67
69
71
6
7
8
8
–
–
–
–
Goods-producing industries .....................................
Manufacturing ......................................................
86
85
1
–
7
6
72
70
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
83
89
90
88
88
85
92
81
77
64
69
80
1
–
–
–
–
–
–
–
–
–
–
–
7
5
–
5
6
–
9
6
9
7
9
10
68
81
85
79
78
77
79
74
43
50
52
42
7
–
–
3
3
–
–
–
23
4
8
27
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 1. Medical care benefits: Plan type, private industry workers,
2015—continued
(All workers participating in medical care plans = 100 percent)
Health maintenance organization
Characteristics
Total
Traditional
Open
access
Not
determinable
Worker characteristics
All workers ...............................................................
16
12
4
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
18
18
19
22
15
12
17
12
12
13
14
13
14
13
15
16
11
9
11
10
11
9
11
7
4
5
4
6
5
–
5
2
2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
16
–
12
10
4
–
–
–
Union .......................................................................
Nonunion .................................................................
16
16
8
13
8
4
–
–
Average wage within the following categories4:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
15
17
16
14
11
12
13
11
–
5
4
3
–
–
–
–
Goods-producing industries .....................................
Manufacturing ......................................................
14
15
11
11
3
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
17
11
10
12
12
15
8
19
23
36
31
20
12
8
8
9
9
12
5
15
17
30
22
15
5
–
–
3
3
–
3
–
5
–
9
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 1. Medical care benefits: Plan type, private industry workers, 2015—continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristics
Total
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Traditional
Exclusive
provider
organization1
Preferred
provider
organization2
Point of
service plan3
Not
determinable
81
83
86
84
88
–
–
1
2
–
7
9
7
8
6
70
74
68
70
64
3
–
10
4
17
–
–
–
–
–
79
68
82
89
86
96
91
89
86
–
73
84
68
2
–
–
–
–
–
–
–
–
–
–
–
–
11
–
12
9
8
10
–
3
4
3
6
–
6
61
54
63
74
73
81
74
76
72
87
59
72
53
–
–
–
5
4
–
–
8
10
–
7
6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
See footnotes at end of table.
Table 1. Medical care benefits: Plan type, private industry workers,
2015—continued
(All workers participating in medical care plans = 100 percent)
Health maintenance organization
Characteristics
Total
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Traditional
Open
access
Not
determinable
19
17
14
16
12
14
13
11
12
8
5
–
4
4
4
–
–
–
–
–
21
32
18
11
14
4
9
11
14
–
27
16
32
11
20
8
7
8
–
6
9
11
–
24
12
30
10
12
10
4
–
–
–
–
–
–
–
4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
This type of plan obligates employees to use only the plan’s providers in order to receive coverage.
This type of plan provides coverage through a network of participating health care providers. Enrollees may receive
services outside the network, but generally at a higher cost. The additional costs may be in the form of higher deductibles,
higher coinsurance rates, or both, or in the form of nondiscounted charges from providers.
3 This type of plan provides services through a network of participating health care providers. Services received within
the network or through select medical facilities generally provide more generous benefits than services received outside the
network.
4 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may
include workers with earnings both above and below the threshold. The categories were formed using percentile estimates
generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 1. Standard errors for medical care benefits: Plan type, private industry workers, 2015
Fee-for-service plan
Characteristics
Total
Traditional
Exclusive
provider
organization1
Preferred
provider
organization2
Point of
service plan3
Not
determinable
Worker characteristics
All workers ...............................................................
0.7
0.2
0.6
1.1
0.8
–
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 ....................
1.5
1.9
2.1
3.9
1.7
2.1
2.2
2.1
2.8
1.7
2.0
2.8
–
–
–
–
–
–
0.4
–
–
–
–
0.2
0.8
0.9
1.2
2.1
0.9
–
1.0
–
–
1.3
1.4
2.2
1.9
2.4
2.6
3.8
2.0
2.5
2.4
3.3
3.2
2.7
3.3
4.1
1.5
–
2.0
1.7
1.0
–
1.1
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
0.8
–
0.2
–
0.6
1.0
1.1
5.4
0.8
1.0
–
–
Union .......................................................................
Nonunion .................................................................
1.8
0.8
–
0.3
1.5
0.7
3.2
1.2
–
0.9
–
–
Average wage within the following categories4:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.3
1.3
1.3
1.5
0.3
0.2
0.4
–
1.5
0.9
0.8
1.1
2.3
1.8
1.7
2.4
1.2
1.0
1.4
2.2
–
–
–
–
Goods-producing industries .....................................
Manufacturing ......................................................
1.7
2.3
0.4
–
1.7
1.1
3.0
3.4
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0.8
1.1
1.9
1.7
1.5
2.2
1.1
3.1
2.1
5.2
3.1
2.2
0.3
–
–
–
–
–
–
–
–
–
–
–
0.6
1.2
–
0.7
0.9
–
1.5
1.4
1.8
2.0
2.2
2.1
1.1
1.5
1.8
1.9
1.5
2.4
2.1
3.4
2.9
4.2
3.5
3.3
0.9
–
–
0.9
0.6
–
–
–
2.7
0.9
1.6
3.2
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 1. Standard errors for medical care benefits: Plan type, private industry
workers, 2015—continued
Health maintenance organization
Characteristics
Total
Traditional
Open
access
Not
determinable
Worker characteristics
All workers ...............................................................
0.7
0.7
0.5
–
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 ....................
1.5
1.9
2.1
3.9
1.7
2.1
2.2
2.1
2.8
1.7
2.0
2.8
1.5
1.8
1.9
4.0
1.2
1.6
1.5
2.1
2.7
1.2
1.7
1.1
0.7
1.1
1.0
1.6
0.9
–
1.2
0.4
0.5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
0.8
–
0.7
3.0
0.5
–
–
–
Union .......................................................................
Nonunion .................................................................
1.8
0.8
1.2
0.7
2.0
0.5
–
–
Average wage within the following categories4:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.3
1.3
1.3
1.5
1.4
1.3
1.3
1.4
–
0.9
0.6
0.6
–
–
–
–
Goods-producing industries .....................................
Manufacturing ......................................................
1.7
2.3
1.5
1.9
0.8
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0.8
1.1
1.9
1.7
1.5
2.2
1.1
3.1
2.1
5.2
3.1
2.2
0.8
0.8
1.6
1.4
1.1
1.9
0.8
2.8
1.9
4.9
3.0
2.0
0.7
–
–
0.8
0.8
–
0.9
–
1.6
–
1.9
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 1. Standard errors for medical care benefits: Plan type, private industry workers,
2015—continued
Fee-for-service plan
Characteristics
Total
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Traditional
Exclusive
provider
organization1
Preferred
provider
organization2
Point of
service plan3
Not
determinable
1.6
3.0
1.2
1.8
1.5
–
–
0.3
0.5
–
1.3
2.0
0.7
1.0
1.0
1.9
3.5
1.5
2.1
2.7
0.8
–
1.2
1.0
2.8
–
–
–
–
–
1.8
4.8
1.8
1.2
2.0
1.2
1.6
1.5
1.8
–
1.9
2.0
2.8
0.5
–
–
–
–
–
–
–
–
–
–
–
–
1.5
–
1.8
1.4
1.6
2.7
–
0.6
0.8
0.7
1.2
–
1.4
2.1
5.0
2.1
1.6
1.6
2.3
4.0
1.9
2.5
1.1
3.0
3.9
4.1
–
–
–
1.1
1.1
–
–
1.5
1.9
–
1.8
1.3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
See footnotes at end of table.
Table 1. Standard errors for medical care benefits: Plan type, private industry
workers, 2015—continued
Health maintenance organization
Characteristics
Total
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Traditional
Open
access
Not
determinable
1.6
3.0
1.2
1.8
1.5
1.4
2.8
1.0
1.5
1.1
0.9
–
0.6
0.8
0.9
–
–
–
–
–
1.8
4.8
1.8
1.2
2.0
1.2
1.6
1.5
1.8
–
1.9
2.0
2.8
1.8
4.9
1.8
0.7
1.2
–
1.1
1.6
2.1
–
1.8
2.0
2.7
1.1
2.9
1.2
1.0
–
–
–
–
–
–
–
0.2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
This type of plan obligates employees to use only the plan’s providers in order to receive coverage.
This type of plan provides coverage through a network of participating health care providers. Enrollees may receive
services outside the network, but generally at a higher cost. The additional costs may be in the form of higher deductibles,
higher coinsurance rates, or both, or in the form of nondiscounted charges from providers.
3 This type of plan provides services through a network of participating health care providers. Services received within
the network or through select medical facilities generally provide more generous benefits than services received outside the
network.
4 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may
include workers with earnings both above and below the threshold. The categories were formed using percentile estimates
generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 2. Medical care benefits: Selected plan characteristics, private industry workers, 2015
(All workers participating in medical care plans = 100 percent)
Allow nonemergency services outside
network
Plan network
Use a primary care physician
Characteristics
Yes
Not
determinable
No
Yes
Not
determinable
No
Yes
Not
determinable
No
Worker characteristics
All workers ...............................................................
99
1
–
80
20
–
22
77
1
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
99
98
99
99
98
98
99
100
100
99
99
99
–
–
–
–
–
–
1
–
–
–
–
1
–
–
–
–
–
–
–
–
–
–
–
–
78
80
77
74
81
84
79
84
86
82
80
84
22
20
23
26
19
16
21
16
14
18
20
16
–
–
–
–
–
–
–
–
–
–
–
–
22
22
22
27
21
15
24
20
17
22
27
16
77
77
77
72
77
83
75
79
82
77
73
83
1
1
1
1
1
2
1
1
1
(1)
(1)
1
Full time ...................................................................
Part time ..................................................................
99
99
1
–
–
–
79
84
21
16
–
–
22
21
77
79
1
–
Union .......................................................................
Nonunion .................................................................
99
99
–
1
–
–
85
79
15
21
–
–
19
23
81
76
–
1
Average wage within the following categories2:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
99
99
99
98
1
1
1
–
–
–
–
–
80
79
80
82
20
21
20
18
–
–
–
–
22
23
21
18
78
75
78
82
(1)
1
1
1
Goods-producing industries .....................................
Manufacturing ......................................................
99
98
1
–
–
–
80
81
20
19
–
–
24
25
76
75
(1)
(1)
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
99
99
98
99
99
99
99
99
98
97
100
98
1
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
79
86
88
85
84
84
85
78
72
60
69
74
21
14
12
15
16
16
15
22
28
40
31
26
–
–
–
–
–
–
–
–
–
–
–
–
22
15
13
20
21
20
25
20
29
37
37
28
77
84
87
78
75
78
68
80
70
63
63
71
1
1
–
3
3
1
6
1
( )
1
–
–
1
Establishment characteristics
See footnotes at end of table.
Table 2. Medical care benefits: Selected plan characteristics, private industry workers, 2015—continued
(All workers participating in medical care plans = 100 percent)
Allow nonemergency services outside
network
Plan network
Use a primary care physician
Characteristics
Yes
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Not
determinable
No
Yes
Not
determinable
No
Yes
Not
determinable
No
99
100
99
98
99
–
–
1
2
–
–
–
–
–
–
78
78
81
78
85
22
22
19
22
15
–
–
–
–
–
24
24
21
24
17
75
75
78
76
83
1
1
1
1
(1)
98
98
98
99
99
99
99
99
99
99
99
99
98
2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
77
72
78
83
82
87
84
87
84
92
69
82
63
23
28
22
17
18
13
16
13
16
8
31
18
37
–
–
–
–
–
–
–
–
–
–
–
–
–
26
33
23
20
22
18
17
15
17
10
31
–
36
74
66
76
80
77
81
82
84
81
89
68
78
64
1
(1)
1
1
1
1
(1)
2
2
1
(1)
–
(1)
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
Less than 0.5.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The categories were formed
using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 2. Standard errors for medical care benefits: Selected plan characteristics, private industry workers, 2015
Allow nonemergency services outside
network
Plan network
Use a primary care physician
Characteristics
Yes
Not
determinable
No
Yes
Not
determinable
No
Yes
Not
determinable
No
Worker characteristics
All workers ...............................................................
0.2
0.2
–
0.9
0.9
–
1.2
1.2
0.2
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
0.4
0.7
0.4
0.5
0.5
1.3
0.4
0.2
0.2
0.3
0.5
0.2
–
–
–
–
–
–
0.4
–
–
–
–
0.2
–
–
–
–
–
–
–
–
–
–
–
–
1.6
2.1
2.3
4.0
1.5
2.4
1.7
3.3
3.0
1.8
2.2
2.5
1.6
2.1
2.3
4.0
1.5
2.4
1.7
3.3
3.0
1.8
2.2
2.5
–
–
–
–
–
–
–
–
–
–
–
–
1.9
2.4
2.5
4.3
1.9
2.1
2.5
2.6
3.1
2.2
2.5
3.5
1.9
2.5
2.5
4.4
2.0
2.3
2.6
2.7
3.2
2.2
2.5
3.5
0.2
0.3
0.3
0.4
0.3
0.7
0.3
0.5
1.0
0.2
0.2
0.5
Full time ...................................................................
Part time ..................................................................
0.2
0.6
0.2
–
–
–
1.0
3.2
1.0
3.2
–
–
1.2
4.8
1.2
4.8
0.2
–
Union .......................................................................
Nonunion .................................................................
0.3
0.3
–
0.3
–
–
2.1
1.0
2.1
1.0
–
–
2.5
1.3
2.5
1.3
–
0.2
Average wage within the following categories1:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
0.3
0.2
0.4
0.7
0.3
0.2
0.4
–
–
–
–
–
1.9
1.6
1.5
1.8
1.9
1.6
1.5
1.8
–
–
–
–
2.5
1.9
1.6
1.9
2.5
1.9
1.7
2.0
0.2
0.4
0.2
0.2
Goods-producing industries .....................................
Manufacturing ......................................................
0.4
0.6
0.4
–
–
–
2.3
2.4
2.3
2.4
–
–
1.8
2.6
1.8
2.6
0.1
0.1
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0.3
0.5
0.7
0.4
0.5
0.9
0.6
0.4
0.9
2.6
0.2
0.9
0.3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.0
1.2
1.4
1.3
1.1
1.8
1.9
3.2
3.1
4.0
3.1
3.4
1.0
1.2
1.4
1.3
1.1
1.8
1.9
3.2
3.1
4.0
3.1
3.4
–
–
–
–
–
–
–
–
–
–
–
–
1.4
1.4
1.5
1.7
1.8
2.9
3.4
3.8
3.3
5.0
2.9
3.8
1.4
1.3
1.5
1.6
2.0
3.0
3.9
3.8
3.6
5.0
2.9
4.1
0.2
0.5
–
0.7
1.0
0.6
2.2
0.3
0.4
–
–
0.4
Establishment characteristics
See footnotes at end of table.
Table 2. Standard errors for medical care benefits: Selected plan characteristics, private industry workers, 2015—continued
Allow nonemergency services outside
network
Plan network
Use a primary care physician
Characteristics
Yes
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Not
determinable
No
Yes
Not
determinable
No
Yes
Not
determinable
No
0.3
0.2
0.3
0.5
0.4
–
–
0.3
0.5
–
–
–
–
–
–
1.7
3.3
1.2
1.7
1.5
1.7
3.3
1.2
1.7
1.5
–
–
–
–
–
2.2
3.9
1.5
2.2
1.3
2.2
4.0
1.5
2.2
1.4
0.3
0.4
0.2
0.2
0.2
0.5
0.9
0.5
0.4
0.5
0.5
1.0
0.5
0.6
1.1
0.4
0.5
0.6
0.5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2.4
3.9
2.9
1.7
2.2
3.4
3.5
1.7
2.2
2.1
1.7
3.1
2.2
2.4
3.9
2.9
1.7
2.2
3.4
3.5
1.7
2.2
2.1
1.7
3.1
2.2
–
–
–
–
–
–
–
–
–
–
–
–
–
1.9
4.2
2.2
1.4
2.0
3.2
2.6
3.0
4.1
2.1
2.9
–
2.9
1.9
4.2
2.2
1.6
2.4
3.1
2.6
3.0
4.2
2.2
2.9
7.4
2.9
0.3
0.3
0.4
0.3
0.5
0.3
0.2
0.5
0.7
0.5
0.1
–
0.1
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 3. Medical care benefits: Eligibility requirements, private industry workers, 2015
(All workers participating in medical care plans = 100 percent)
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
Not
requirement
determinable
Worker characteristics
All workers ...............................................................
53
20
11
17
5
–
2
29
19
Management, professional, and related ..................
Management, business, and financial .................
Sales and office .......................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
46
54
55
54
63
59
25
28
20
24
17
15
9
9
10
10
14
14
11
15
19
15
21
27
1
–
6
4
11
4
–
–
–
–
–
–
1
–
2
2
–
–
36
33
28
32
21
27
18
13
16
14
17
13
Full time ...................................................................
Part time ..................................................................
52
69
20
14
11
11
17
16
4
27
–
–
2
3
30
13
19
18
Nonunion .................................................................
53
22
11
17
4
–
2
28
19
Average wage within the following categories1:
Second 25 percent ...............................................
Highest 25 percent ...............................................
58
45
20
23
11
9
21
11
6
3
–
–
2
–
24
36
18
19
Goods-producing industries .....................................
Manufacturing ......................................................
55
53
23
25
11
–
15
15
6
–
–
–
2
–
25
28
19
19
Service-providing industries .....................................
Trade, transportation, and utilities:
Retail trade .....................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
52
19
11
17
5
–
2
30
19
71
52
49
57
44
52
29
30
56
5
33
40
48
34
26
21
21
27
8
12
4
–
–
14
–
–
16
41
6
5
–
–
10
4
5
11
17
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
3
1
1
1
1
–
1
1
–
10
35
36
29
38
33
58
56
28
19
13
15
14
18
16
13
14
16
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
52
58
45
17
16
18
12
13
10
17
21
12
6
8
5
–
–
–
2
–
2
32
29
36
15
13
19
56
51
61
61
19
16
17
24
13
13
12
13
18
17
23
17
6
5
9
6
–
–
–
–
2
2
3
2
30
34
25
27
14
14
14
13
57
20
15
18
5
–
2
28
15
67
37
8
20
–
–
1
16
18
Establishment characteristics
Geographic areas
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest:
West North Central ..............................................
West:
Mountain ..............................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The categories
were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 3. Standard errors for medical care benefits: Eligibility requirements, private industry workers, 2015
Service requirement
With service
requirement
Characteristics
1 month
2 months
3 months
Greater
than 3
months
Not
determinable
Median
service
requirement
(in months)
With no
service
requirement
Not
determinable
Worker characteristics
All workers ...............................................................
1.5
1.0
0.9
1.0
0.4
–
0.0
1.3
1.1
Management, professional, and related ..................
Management, business, and financial .................
Sales and office .......................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
2.5
3.7
2.1
2.2
3.0
4.4
2.0
2.7
1.9
2.4
3.1
2.4
1.1
2.2
1.5
1.8
2.1
3.4
1.7
3.2
1.6
1.3
2.7
3.7
0.4
–
0.5
0.7
2.1
1.2
–
–
–
–
–
–
0.3
–
0.2
0.0
–
–
2.3
3.3
2.3
2.2
2.3
3.8
1.6
1.3
1.5
1.6
2.2
2.5
Full time ...................................................................
Part time ..................................................................
1.5
3.8
1.1
3.8
0.9
3.2
1.1
3.3
0.5
3.3
–
–
0.0
0.0
1.3
2.9
1.2
3.5
Nonunion .................................................................
1.5
1.2
0.9
1.1
0.3
–
0.0
1.4
1.3
1.9
2.6
2.1
2.0
1.6
1.2
1.9
1.4
0.8
0.6
–
–
0.4
–
2.3
2.2
1.8
1.8
Goods-producing industries .....................................
Manufacturing ......................................................
2.6
3.4
2.6
3.3
2.2
–
2.1
2.7
1.3
–
–
–
0.0
–
2.0
3.0
2.1
2.5
Service-providing industries .....................................
Trade, transportation, and utilities:
Retail trade .....................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
1.7
1.1
1.0
1.1
0.4
–
0.0
1.5
1.3
2.6
2.0
2.1
3.6
4.2
3.4
6.4
4.5
3.8
0.9
2.6
2.4
4.3
4.2
2.8
6.2
4.1
3.1
1.6
2.7
1.0
–
–
2.1
–
–
2.4
2.6
1.5
1.5
–
–
2.6
1.1
1.4
3.0
2.1
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.0
0.0
0.0
0.0
0.0
–
0.0
0.0
–
2.5
2.1
1.9
3.2
5.0
3.4
7.1
5.3
3.9
1.8
1.6
1.7
2.7
2.4
2.3
3.9
3.8
2.7
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
1.8
2.1
2.9
1.2
1.5
1.8
1.5
1.9
1.9
1.4
2.0
1.8
0.6
0.9
1.0
–
–
–
0.0
–
0.0
1.9
2.3
2.8
1.2
1.1
2.3
2.3
2.7
4.5
4.9
1.4
1.6
3.0
3.1
1.5
2.0
3.1
3.1
2.2
3.6
2.7
3.5
0.7
0.8
2.5
1.1
–
–
–
–
0.0
0.0
0.6
0.0
2.1
3.1
5.1
3.2
1.6
1.2
1.5
4.2
5.9
2.9
3.7
0.9
0.9
–
0.0
4.1
4.0
2.6
3.3
0.7
3.9
–
–
0.0
4.3
3.8
categories1:
Average wage within the following
Second 25 percent ...............................................
Highest 25 percent ...............................................
Establishment characteristics
Geographic areas
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest:
West North Central ..............................................
West:
Mountain ..............................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The categories
were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 4. Medical care benefits: High deductible and nonhigh
deductible health plans,1 private industry workers, 2015
(All workers participating in medical care plans = 100 percent)
Characteristics
High deductible
health plans
Nonhigh
deductible health
plans
Worker characteristics
All workers ...............................................................
38
61
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 ....................
35
36
35
34
45
50
43
31
39
38
43
31
63
62
63
65
54
49
57
69
61
61
56
68
Full time ...................................................................
Part time ..................................................................
38
37
61
63
Union .......................................................................
Nonunion .................................................................
17
41
82
58
Average wage within the following categories2:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
42
37
33
32
57
62
65
65
Goods-producing industries .....................................
Manufacturing ......................................................
37
41
62
58
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
38
43
53
45
47
50
44
45
29
21
18
31
61
57
47
54
53
49
56
54
68
79
82
66
Establishment characteristics
See footnotes at end of table.
Table 4. Medical care benefits: High deductible and nonhigh
deductible health plans,1 private industry workers,
2015—continued
(All workers participating in medical care plans = 100 percent)
Characteristics
High deductible
health plans
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Nonhigh
deductible health
plans
39
37
36
42
28
60
62
62
58
69
33
28
34
41
40
41
43
45
47
40
29
33
27
65
71
64
57
59
58
55
54
52
59
71
67
73
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 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. 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 $1,300 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 Surveyed occupations are classified into wage categories based on the average wage for the
occupation, which may include workers with earnings both above and below the threshold. The categories
were formed using percentile estimates generated using data from the National Compensation Survey
publication, "Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 4. Standard errors for medical care benefits: High
deductible and nonhigh deductible health plans,1 private industry
workers, 2015
Characteristics
High deductible
health plans
Nonhigh
deductible health
plans
Worker characteristics
All workers ...............................................................
1.2
1.2
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1.6
1.9
2.5
5.2
2.1
3.9
2.7
2.7
3.4
2.7
2.5
4.5
1.7
2.2
2.5
5.2
2.2
3.8
2.7
2.6
3.4
2.6
2.4
4.4
Full time ...................................................................
Part time ..................................................................
1.2
4.8
1.2
4.8
Union .......................................................................
Nonunion .................................................................
2.9
1.4
2.8
1.3
Average wage within the following categories2:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.2
1.6
1.7
2.0
2.1
1.7
1.8
2.4
Goods-producing industries .....................................
Manufacturing ......................................................
2.5
2.8
2.4
2.6
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
1.4
2.6
3.0
2.8
2.3
4.4
3.4
3.9
2.5
4.3
3.5
2.9
1.4
2.5
3.0
2.8
2.4
4.3
3.4
4.2
2.6
4.3
3.5
3.0
Establishment characteristics
See footnotes at end of table.
Table 4. Standard errors for medical care benefits: High
deductible and nonhigh deductible health plans,1 private industry
workers, 2015—continued
Characteristics
High deductible
health plans
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Nonhigh
deductible health
plans
2.0
3.6
1.6
2.3
2.1
2.0
3.7
1.7
2.3
2.2
1.8
4.4
1.7
1.7
1.7
1.9
4.0
2.8
3.1
5.9
3.2
6.3
3.7
1.7
4.4
1.6
1.6
1.8
2.2
3.7
2.7
2.8
6.1
3.2
6.4
3.7
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
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 $1,300
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 Surveyed occupations are classified into wage categories based on the average wage for the
occupation, which may include workers with earnings both above and below the threshold. The categories
were formed using percentile estimates generated using data from the National Compensation Survey
publication, "Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 5. High deductible health plans:1 Summary of selected tax-favored
accounts,2 private industry workers, 2015
(All workers participating in high deductible health plans = 100 percent)
Characteristics
Health savings
account3
Health
reimbursement
arrangement4
Flexible spending
account5
Worker characteristics
All workers ...............................................................
43
17
39
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 ....................
52
55
50
33
38
26
45
30
34
45
41
50
14
16
13
16
27
36
23
–
–
10
–
18
43
48
39
39
38
24
46
23
24
39
40
38
Full time ...................................................................
Part time ..................................................................
44
26
15
49
39
31
Union .......................................................................
Nonunion .................................................................
–
43
12
17
41
38
Average wage within the following categories6:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
34
46
51
54
20
13
14
16
42
41
39
44
Goods-producing industries .....................................
Manufacturing ......................................................
41
41
8
9
39
46
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Transportation and warehousing .....................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
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 ...
Health care and social assistance ...................
43
35
19
65
59
45
47
36
61
46
39
42
29
49
44
20
32
47
–
–
31
37
45
25
–
–
10
–
–
11
38
26
24
–
49
59
62
62
58
37
31
46
–
–
46
Establishment characteristics
See footnotes at end of table.
Table 5. High deductible health plans:1 Summary of selected tax-favored
accounts,2 private industry workers, 2015—continued
(All workers participating in high deductible health plans = 100 percent)
Characteristics
Health savings
account3
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Health
reimbursement
arrangement4
Flexible spending
account5
42
37
43
39
53
8
–
24
22
29
33
38
43
34
62
44
45
44
40
38
35
46
45
41
54
44
41
45
19
27
–
15
14
–
13
19
18
21
18
–
16
43
–
44
28
29
–
34
45
45
44
46
52
43
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
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 $1,300 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 workers may participate in more than one tax-favored account.
3 Health savings accounts (HSA) are used in combination with high deductible health plans to pay for current and future
medical expenses. HSAs are controlled by the employee, although both employees and employers may contribute to the account.
Accounts can accumulate tax-deferred interest.
4 Health reimbursement arrangements (HRAs) are funded solely by the employer to reimburse employees for any qualified
medical expenses. HRAs may be offered with any medical plan.
5 Flexible spending accounts (FSAs) allow an employee to set aside a portion of earnings to pay for qualified medical
expenses. Money is deducted from an employee’s earnings and is not subject to payroll taxes. Any funds not used by the end of
the plan year are forfeited by the employee.
6 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include
workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated
using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 5. Standard errors for high deductible health plans:1 Summary of selected
tax-favored accounts, private industry workers, 2015
Characteristics
Health savings
account2
Health
reimbursement
arrangement3
Flexible spending
account4
Worker characteristics
All workers ...............................................................
2.2
1.3
1.8
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 ....................
4.0
4.6
5.3
5.5
2.7
3.3
2.9
4.5
6.0
3.8
4.8
4.9
1.4
2.0
1.8
4.3
1.8
4.1
2.4
–
–
2.0
–
4.8
3.0
3.9
3.9
5.8
2.2
3.0
3.2
3.6
5.1
4.3
4.7
7.0
Full time ...................................................................
Part time ..................................................................
2.1
5.8
1.3
5.3
2.0
7.1
Union .......................................................................
Nonunion .................................................................
–
2.1
3.1
1.4
6.1
1.8
Average wage within the following categories5:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.3
3.2
3.8
4.7
2.2
2.0
1.6
2.7
3.1
2.6
3.4
4.0
Goods-producing industries .....................................
Manufacturing ......................................................
4.1
4.9
1.5
1.8
3.9
4.6
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Transportation and warehousing .....................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
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 ...
Health care and social assistance ...................
2.5
2.8
1.8
8.2
6.7
3.9
3.7
4.1
5.9
7.0
10.3
6.7
7.5
9.5
7.4
1.6
3.5
3.7
–
–
4.1
4.4
5.3
4.1
–
–
1.6
–
–
1.8
2.0
3.6
2.6
–
7.0
3.9
3.2
4.5
5.3
3.5
4.6
6.1
–
–
6.7
Establishment characteristics
See footnotes at end of table.
Table 5. Standard errors for high deductible health plans:1 Summary of selected
tax-favored accounts, private industry workers, 2015—continued
Characteristics
Health savings
account2
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Health
reimbursement
arrangement3
Flexible spending
account4
3.3
5.8
2.4
2.9
3.9
1.2
–
2.3
2.4
5.1
2.7
5.1
2.7
3.1
3.8
7.5
6.4
9.2
2.7
4.4
4.5
4.0
5.1
6.1
7.0
3.1
2.0
5.0
4.3
6.0
–
1.7
2.4
–
2.1
2.3
3.0
2.0
3.6
–
3.2
4.0
–
4.8
2.5
4.0
–
3.5
4.4
5.9
4.3
4.3
4.2
6.0
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
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 $1,300 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 Health savings accounts (HSA) are used in combination with high deductible health plans to pay for current and future
medical expenses. HSAs are controlled by the employee, although both employees and employers may contribute to the account.
Accounts can accumulate tax-deferred interest.
3 Health reimbursement arrangements (HRAs) are funded solely by the employer to reimburse employees for any qualified
medical expenses. HRAs may be offered with any medical plan.
4 Flexible spending accounts (FSAs) allow an employee to set aside a portion of earnings to pay for qualified medical
expenses. Money is deducted from an employee’s earnings and is not subject to payroll taxes. Any funds not used by the end of
the plan year are forfeited by the employee.
5 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include
workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated
using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 6. High deductible health plans:1 Amount of annual individual deductible, private
industry workers, 2015
(Includes workers participating in high deductible health plans)
Amount of annual deductible
Characteristics
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
Worker characteristics
All workers ...............................................................
$1,500
$1,500
$2,000
$2,750
$4,000
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 ....................
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,750
1,800
1,600
1,500
1,500
1,500
1,500
1,750
2,000
2,000
2,000
2,000
2,000
2,750
2,000
2,000
2,000
2,000
2,000
2,000
2,500
2,500
2,500
2,750
2,750
3,000
2,650
3,000
3,000
3,000
3,500
3,000
3,000
4,000
3,000
4,000
4,000
5,000
3,000
4,000
5,000
5,000
5,000
–
Full time ...................................................................
Part time ..................................................................
1,500
1,500
1,500
1,750
2,000
2,500
2,750
2,750
4,000
3,000
Union .......................................................................
Nonunion .................................................................
1,500
1,500
1,500
1,500
2,000
2,000
3,000
2,750
3,500
4,000
Average wage within the following categories2:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
2,000
2,000
2,000
1,850
2,750
2,850
2,500
2,500
5,000
4,000
3,500
3,000
Goods-producing industries .....................................
Manufacturing ......................................................
1,500
1,500
1,500
1,500
2,000
2,000
3,000
3,000
5,000
5,000
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,750
1,750
1,500
1,500
1,500
1,500
1,500
1,500
2,000
–
1,500
2,000
2,500
2,750
2,000
2,000
2,000
2,000
2,000
2,000
–
2,000
2,000
2,750
3,000
3,000
2,500
2,500
2,500
2,500
2,500
2,500
3,000
2,500
2,500
3,300
4,000
4,000
3,000
3,000
3,000
3,000
4,000
3,000
3,000
–
3,000
Establishment characteristics
See footnotes at end of table.
Table 6. High deductible health plans:1 Amount of annual individual deductible, private
industry workers, 2015—continued
(Includes workers participating in high deductible health plans)
Amount of annual deductible
Characteristics
10th
percentile
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
$1,500
1,500
1,500
1,500
1,300
$1,500
1,750
1,500
1,500
1,500
$2,000
2,500
2,000
2,000
1,600
$3,000
4,000
2,750
2,750
2,000
$5,000
5,000
3,000
3,500
2,750
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,750
1,750
–
1,750
1,500
1,500
1,500
1,500
1,500
1,500
2,000
2,000
2,000
2,250
2,500
2,500
2,000
2,000
2,000
2,000
2,000
1,750
2,000
2,500
2,500
2,000
3,000
3,000
3,000
3,000
2,500
2,750
2,500
2,750
2,500
3,000
3,000
3,000
3,000
5,000
5,000
5,000
5,000
3,000
–
3,000
3,500
3,000
4,000
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
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 $1,300 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 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers
with earnings both above and below the threshold. The categories were formed using percentile estimates generated using data from the
National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 6. Standard errors for high deductible health plans:1 Amount of annual individual
deductible, private industry workers, 2015
Amount of annual deductible
Characteristics
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
90th
percentile
Worker characteristics
All workers ...............................................................
$0
$0
$0
$0
$428
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 ....................
9
0
104
45
0
0
0
0
0
0
0
0
0
0
0
0
0
236
211
0
0
65
0
353
0
0
72
321
0
314
0
117
125
241
193
459
0
142
39
334
0
201
102
95
199
383
794
223
0
1,049
84
970
795
258
0
695
1,268
0
0
–
Full time ...................................................................
Part time ..................................................................
0
163
0
0
0
0
35
0
289
0
Union .......................................................................
Nonunion .................................................................
9
0
0
0
91
0
79
9
129
341
Average wage within the following categories2:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
0
0
0
13
9
0
0
0
0
0
99
203
289
197
0
91
353
341
717
49
Goods-producing industries .....................................
Manufacturing ......................................................
0
0
0
0
0
0
364
678
0
0
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0
0
16
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
32
194
–
26
0
18
0
0
0
0
39
55
0
–
438
26
56
102
341
0
0
0
61
0
163
513
526
85
560
826
1,168
0
0
0
0
1,048
474
0
–
758
Establishment characteristics
See footnotes at end of table.
Table 6. Standard errors for high deductible health plans:1 Amount of annual individual
deductible, private industry workers, 2015—continued
Amount of annual deductible
Characteristics
10th
percentile
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
$0
0
0
0
22
$46
328
0
64
0
$0
376
0
36
143
$295
562
35
209
332
$816
0
454
274
113
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
9
109
–
308
0
0
244
0
0
0
103
386
109
455
278
702
46
0
0
0
87
248
32
497
0
337
72
418
0
223
235
273
0
298
309
319
160
400
243
0
0
1,499
447
182
–
121
727
367
624
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
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 $1,300 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 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers
with earnings both above and below the threshold. The categories were formed using percentile estimates generated using data from the
National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 7. Nonhigh deductible health plans: Summary of selected
tax-favored accounts,1 private industry workers, 2015
(All workers participating in nonhigh deductible health plans = 100 percent)
Characteristics
Health
reimbursement
arrangement2
Flexible spending
account3
Worker characteristics
All workers ...............................................................
8
59
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 ....................
10
7
12
–
6
7
6
14
–
–
–
–
67
67
68
55
57
–
61
37
49
64
58
70
Full time ...................................................................
Part time ..................................................................
8
10
60
–
Union .......................................................................
Nonunion .................................................................
16
6
55
60
Average wage within the following categories4:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
7
7
10
8
55
58
67
70
Goods-producing industries .....................................
Manufacturing ......................................................
8
–
49
62
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Transportation and warehousing .....................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
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 ...
Health care and social assistance ...................
Other services ......................................................
8
11
11
–
–
7
9
–
9
–
–
12
–
–
14
–
63
58
–
78
88
67
79
73
82
66
75
66
73
85
65
42
Establishment characteristics
See footnotes at end of table.
Table 7. Nonhigh deductible health plans: Summary of selected
tax-favored accounts,1 private industry workers, 2015—continued
(All workers participating in nonhigh deductible health plans = 100 percent)
Characteristics
Health
reimbursement
arrangement2
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Flexible spending
account3
8
11
8
6
10
44
47
72
64
80
8
–
–
7
11
6
–
13
11
17
5
–
7
56
71
51
66
65
68
65
55
53
59
57
66
53
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 The sum of the columns may not equal 100 since workers may participate in more than one
tax-favored account.
2 Health reimbursement arrangements (HRAs) are funded solely by the employer to reimburse
employees for any qualified medical expenses. HRAs may be offered with any medical plan.
3 Flexible spending accounts (FSAs) allow an employee to set aside a portion of earnings to pay for
qualified medical expenses. Money is deducted from an employee’s earnings and is not subject to payroll
taxes. Any funds not used by the end of the plan year are forfeited by the employee.
4 Surveyed occupations are classified into wage categories based on the average wage for the
occupation, which may include workers with earnings both above and below the threshold. The categories
were formed using percentile estimates generated using data from the National Compensation Survey
publication, "Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 7. Standard errors for nonhigh deductible health plans:
Summary of selected tax-favored accounts, private industry
workers, 2015
Characteristics
Health
reimbursement
arrangement1
Flexible spending
account2
Worker characteristics
All workers ...............................................................
0.8
2.1
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1.4
1.4
2.1
–
0.8
1.8
1.1
3.0
–
–
–
–
3.3
3.1
4.3
4.8
3.6
–
3.9
2.9
5.0
3.3
4.3
4.3
Full time ...................................................................
Part time ..................................................................
0.9
2.7
2.2
–
Union .......................................................................
Nonunion .................................................................
3.6
0.7
4.4
2.5
Average wage within the following categories3:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
1.1
1.4
1.4
1.4
3.7
2.8
2.8
4.5
Goods-producing industries .....................................
Manufacturing ......................................................
1.6
–
3.3
4.1
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Transportation and warehousing .....................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
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 ...
Health care and social assistance ...................
Other services ......................................................
1.0
1.8
2.7
–
–
1.6
1.9
–
2.8
–
–
2.7
–
–
3.2
–
2.6
2.7
–
8.0
4.6
4.2
2.5
5.1
2.9
7.4
10.0
4.8
5.7
3.5
5.8
10.5
Establishment characteristics
See footnotes at end of table.
Table 7. Standard errors for nonhigh deductible health plans:
Summary of selected tax-favored accounts, private industry
workers, 2015—continued
Characteristics
Health
reimbursement
arrangement1
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Flexible spending
account2
1.2
2.1
1.2
1.8
1.7
3.7
7.4
1.9
2.6
2.8
2.0
–
–
1.4
2.6
0.8
–
2.4
3.2
3.1
0.9
–
1.2
5.5
8.3
6.8
2.8
3.2
7.0
5.9
4.2
5.2
6.9
5.1
5.4
6.8
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Health reimbursement arrangements (HRAs) are funded solely by the employer to reimburse
employees for any qualified medical expenses. HRAs may be offered with any medical plan.
2 Flexible spending accounts (FSAs) allow an employee to set aside a portion of earnings to pay for
qualified medical expenses. Money is deducted from an employee’s earnings and is not subject to payroll
taxes. Any funds not used by the end of the plan year are forfeited by the employee.
3 Surveyed occupations are classified into wage categories based on the average wage for the
occupation, which may include workers with earnings both above and below the threshold. The categories
were formed using percentile estimates generated using data from the National Compensation Survey
publication, "Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 8. Nonhigh deductible health plans: Amount of annual individual deductible, private industry workers, 2015
(All workers participating in nonhigh deductible health plans = 100 percent)
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Worker characteristics
All workers ...............................................................
79
$250
$300
$500
$1,000
$1,000
21
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 ....................
80
82
79
74
81
77
83
81
82
78
83
73
250
–
250
–
250
–
250
200
250
250
250
–
300
350
300
250
350
–
350
250
300
300
–
250
500
500
500
500
600
750
500
450
500
500
500
500
1,000
1,000
1,000
1,000
1,000
1,000
1,000
–
–
–
–
750
1,000
1,000
1,000
1,000
1,100
1,100
1,100
1,000
1,000
1,000
1,000
1,000
20
18
21
26
19
23
17
19
18
22
17
27
Full time ...................................................................
Part time ..................................................................
80
71
–
250
300
300
500
500
1,000
1,000
1,000
1,000
20
29
Union .......................................................................
Nonunion .................................................................
77
80
–
250
200
350
300
500
–
1,000
1,000
1,000
23
20
Average wage within the following categories1:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
78
81
80
79
200
250
–
250
300
300
300
300
500
500
500
500
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
22
19
20
21
Goods-producing industries .....................................
Manufacturing ......................................................
82
84
250
250
300
–
500
500
–
1,000
1,000
1,000
18
16
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Transportation and warehousing .....................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
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 ...
Health care and social assistance ...................
79
80
81
74
80
90
89
90
91
76
70
74
69
72
75
200
200
–
–
200
300
250
300
250
250
250
250
250
200
250
300
–
350
250
–
500
500
450
500
–
–
300
250
250
–
500
500
500
–
500
700
600
–
750
–
–
500
–
–
–
1,000
800
950
500
600
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
1,100
1,100
1,200
1,100
1,200
1,100
1,000
–
1,000
1,000
21
20
19
26
20
10
11
10
9
24
30
26
31
28
25
Establishment characteristics
See footnotes at end of table.
Table 8. Nonhigh deductible health plans: Amount of annual individual deductible, private industry workers,
2015—continued
(All workers participating in nonhigh deductible health plans = 100 percent)
Amount of annual deductible
Characteristics
With
deductible
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
79
82
80
78
81
$250
–
200
–
200
$350
–
250
300
250
$500
–
500
500
500
$1,000
1,000
–
1,000
750
$1,000
1,100
1,000
1,000
1,000
21
18
20
22
19
81
82
80
84
84
86
84
85
83
70
77
67
250
250
250
200
200
–
250
250
250
250
–
250
350
500
–
300
300
500
350
350
450
250
250
300
500
500
500
500
500
750
500
500
500
500
–
500
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,100
1,000
1,000
1,000
1,000
1,000
1,000
19
18
20
16
16
14
16
15
17
30
23
33
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the
threshold. The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee
Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 8. Standard errors for nonhigh deductible health plans: Amount of annual individual deductible, private
industry workers, 2015
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
With no
deductible
90th
percentile
Worker characteristics
All workers ...............................................................
1.1
$55
$0
$0
$0
$0
1.1
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1.9
2.5
2.6
5.6
2.2
4.5
2.3
4.4
4.8
3.0
3.0
4.7
0
–
0
–
0
–
0
0
36
31
0
–
74
61
90
34
27
–
55
9
88
16
–
35
65
49
103
67
108
174
97
97
0
0
0
0
0
0
0
142
0
9
0
–
–
–
–
172
0
147
0
0
0
122
18
0
0
0
0
0
1.9
2.5
2.6
5.6
2.2
4.5
2.3
4.4
4.8
3.0
3.0
4.7
Full time ...................................................................
Part time ..................................................................
1.3
5.1
–
18
0
38
0
68
0
109
0
0
1.3
5.1
Union .......................................................................
Nonunion .................................................................
2.9
1.2
–
0
56
57
75
18
–
0
0
0
2.9
1.2
Average wage within the following categories1:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.9
2.2
1.6
2.9
52
21
–
53
9
33
0
9
0
18
0
0
0
0
0
0
18
0
0
84
2.9
2.2
1.6
2.9
Goods-producing industries .....................................
Manufacturing ......................................................
3.2
2.5
5
0
9
–
0
0
–
190
0
0
3.2
2.5
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Transportation and warehousing .....................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
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 ...
Health care and social assistance ...................
1.1
1.9
3.5
6.1
3.5
1.9
1.5
2.7
2.6
3.7
5.3
2.8
4.4
2.8
3.2
48
49
–
–
0
14
49
34
20
52
0
0
0
13
44
0
–
26
18
–
67
50
65
44
–
–
57
0
0
–
0
0
115
–
60
141
44
–
67
–
–
125
–
–
–
0
106
239
144
130
0
0
0
0
120
0
0
–
–
0
0
0
0
184
134
97
115
237
117
16
141
0
–
0
0
1.1
1.9
3.5
6.1
3.5
1.9
1.5
2.7
2.6
3.7
5.3
2.8
4.4
2.8
3.2
Establishment characteristics
See footnotes at end of table.
Table 8. Standard errors for nonhigh deductible health plans: Amount of annual individual deductible, private
industry workers, 2015—continued
Amount of annual deductible
Characteristics
With
deductible
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
2.1
4.2
1.8
2.6
2.3
$0
–
5
–
32
$81
–
70
53
52
$74
–
0
0
0
$0
0
–
148
55
$0
112
0
0
0
2.1
4.2
1.8
2.6
2.3
2.1
2.2
2.6
2.4
1.9
2.4
1.8
2.4
2.2
2.2
4.4
2.7
48
0
71
9
0
–
0
0
20
31
–
0
80
78
–
59
53
0
64
72
117
57
32
59
0
27
0
0
0
0
13
49
0
26
–
0
0
108
0
0
9
0
0
9
41
90
164
133
0
0
18
91
133
141
0
0
0
0
0
0
2.1
2.2
2.6
2.4
1.9
2.4
1.8
2.4
2.2
2.2
4.4
2.7
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the
threshold. The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee
Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 9. Mental health care treatment benefits: Coverage
for selected services,1 private industry workers, 2015
(All workers participating in medical care plans = 100 percent)
Characteristics
Inpatient
Outpatient
mental health mental health
care
care
Worker characteristics
All workers ...............................................................
81
80
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
82
80
82
82
–
83
81
86
80
80
82
84
83
83
81
86
Full time ...................................................................
Part time ..................................................................
80
88
–
89
Union .......................................................................
85
85
81
81
81
82
81
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities:
Finance and insurance:
Insurance carriers and related activities ....
Professional and business services .....................
Education and health services:
Educational services ......................................
Junior colleges, colleges, and universities ...
82
84
81
81
85
81
82
90
–
90
85
91
82
90
1 to 99 workers ........................................................
100 workers or more:
500 workers or more ..........................................
82
81
81
81
84
82
84
81
84
83
82
–
83
–
84
82
82
81
86
82
81
84
Average wage within the following categories2:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent:
Highest 10 percent .........................................
Establishment characteristics
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
East South Central ...............................................
West South Central ..............................................
Midwest:
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
1 The remaining workers include both workers not receiving the benefit and workers for
whom the availability of the benefit could not be determined.
2 Surveyed occupations are classified into wage categories based on the average wage for
the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 9. Standard errors for mental health care treatment
benefits: Coverage for selected services,1 private industry
workers, 2015
Inpatient
Outpatient
mental health mental health
care
care
Characteristics
Worker characteristics
All workers ...............................................................
1.1
1.1
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
3.2
1.5
2.2
2.1
–
2.2
3.0
2.9
3.4
1.6
2.2
1.9
2.9
2.3
3.1
2.9
Full time ...................................................................
Part time ..................................................................
1.1
2.2
–
2.2
Union .......................................................................
3.8
3.9
1.8
1.2
1.8
1.4
2.4
–
1.2
1.3
1.5
1.2
1.3
1.5
3.4
3.1
–
3.1
4.6
2.6
4.2
2.6
1.5
1.6
1.7
1.9
2.2
4.3
2.5
1.9
5.1
2.0
2.2
–
2.4
–
5.1
1.9
3.1
2.6
3.8
2.9
2.4
3.9
categories2:
Average wage within the following
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent:
Highest 10 percent .........................................
Establishment characteristics
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities:
Finance and insurance:
Insurance carriers and related activities ....
Professional and business services .....................
Education and health services:
Educational services ......................................
Junior colleges, colleges, and universities ...
1 to 99 workers ........................................................
100 workers or more:
500 workers or more ..........................................
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
East South Central ...............................................
West South Central ..............................................
Midwest:
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
1 The remaining workers include both workers not receiving the benefit and workers for
whom the availability of the benefit could not be determined.
2 Surveyed occupations are classified into wage categories based on the average wage for
the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 10. Medical care benefits: Coverage for selected services,1 private industry
workers, 2015
(All workers participating in medical care plans = 100 percent)
Characteristics
Hospital
room and
board
Inpatient
surgery
Outpatient
surgery
Physician
office visit
Worker characteristics
All workers ...............................................................
97
93
93
100
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
97
96
98
95
96
96
97
99
100
98
98
98
93
92
93
94
91
94
90
94
92
95
94
95
93
92
93
94
92
95
90
94
92
95
94
96
100
100
100
99
100
100
100
100
100
100
100
100
Full time ...................................................................
Part time ..................................................................
97
99
93
97
93
97
100
99
Union .......................................................................
Nonunion .................................................................
98
97
96
92
96
93
99
100
Average wage within the following categories2:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
97
98
97
98
94
92
93
94
94
92
93
94
100
100
100
99
Goods-producing industries .....................................
Manufacturing ......................................................
96
95
90
90
90
90
100
100
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
97
98
98
98
98
99
99
99
96
100
99
95
94
95
95
90
87
84
96
95
94
98
96
93
94
96
96
90
87
84
96
94
94
99
98
93
100
100
100
100
100
100
99
100
99
100
100
99
Establishment characteristics
See footnotes at end of table.
Table 10. Medical care benefits: Coverage for selected services,1 private industry
workers, 2015—continued
(All workers participating in medical care plans = 100 percent)
Characteristics
Hospital
room and
board
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Inpatient
surgery
Outpatient
surgery
Physician
office visit
98
98
96
97
96
91
88
94
95
93
92
89
94
95
92
100
100
100
100
99
98
99
98
98
97
97
99
95
95
97
97
97
96
94
97
93
93
94
92
93
92
91
93
92
96
91
94
98
92
94
94
92
94
92
92
93
93
96
92
99
100
99
100
100
100
100
100
100
100
100
100
99
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 The remaining workers include both workers not receiving the benefit and workers for whom the availability of the benefit
could not be determined.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include
workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated using
data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 10. Standard errors for medical care benefits: Coverage for selected
services,1 private industry workers, 2015
Characteristics
Hospital
room and
board
Inpatient
surgery
Outpatient
surgery
Physician
office visit
Worker characteristics
All workers ...............................................................
0.5
0.7
0.7
0.1
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
0.8
1.2
0.7
1.6
0.8
1.6
0.9
0.6
0.1
1.0
1.2
1.0
1.3
1.3
1.9
1.7
1.1
1.7
1.4
1.4
2.4
1.3
1.8
1.8
1.3
1.3
1.9
1.6
1.1
1.6
1.4
1.4
2.3
1.3
1.8
1.8
0.2
0.2
0.2
0.3
0.1
0.1
0.1
0.1
0.1
(2)
(2)
(2)
Full time ...................................................................
Part time ..................................................................
0.5
0.4
0.7
0.8
0.7
0.8
0.1
0.4
Union .......................................................................
Nonunion .................................................................
0.9
0.5
1.3
0.8
1.2
0.8
0.5
0.1
Average wage within the following categories3:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
0.8
0.5
0.8
0.7
0.9
1.1
1.3
1.9
1.0
1.0
1.3
1.9
0.1
0.1
0.2
0.4
Goods-producing industries .....................................
Manufacturing ......................................................
1.3
1.7
1.4
1.7
1.4
1.8
0.2
0.2
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0.5
0.6
1.1
0.5
0.6
0.3
0.5
0.7
1.2
0.1
0.2
1.4
0.8
1.0
0.7
1.6
1.8
3.1
1.6
2.7
1.2
1.3
2.5
1.4
0.8
0.9
0.8
1.6
1.8
3.1
1.6
2.6
1.4
0.5
0.9
1.6
0.1
(2)
(2)
0.3
0.4
(2)
1.1
(2)
0.4
(2)
(2)
0.5
Establishment characteristics
See footnotes at end of table.
Table 10. Standard errors for medical care benefits: Coverage for selected
services,1 private industry workers, 2015—continued
Characteristics
Hospital
room and
board
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Inpatient
surgery
Outpatient
surgery
Physician
office visit
0.7
1.7
0.6
0.7
0.7
1.3
3.1
0.7
0.9
1.2
1.3
3.0
0.7
0.9
1.3
(2)
(2)
0.2
0.2
0.3
0.4
0.9
0.4
0.7
1.0
3.0
0.4
1.3
1.8
1.4
1.0
1.7
1.3
1.4
1.0
1.9
1.1
1.4
3.6
1.9
1.1
1.5
1.5
1.9
1.9
2.7
1.3
1.0
1.7
1.1
1.4
3.6
1.9
1.0
1.4
1.3
2.0
1.9
2.8
0.3
(2)
0.4
0.1
(2)
0.2
0.1
(2)
(2)
(2)
0.3
(2)
0.4
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 The remaining workers include both workers not receiving the benefit and workers for whom the availability of the benefit
could not be determined.
2 Less than 0.05.
3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include
workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated using
data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 11. Medical care benefits: Median copayment per visit for selected services by type of plan, private industry workers,
2015
(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
Worker characteristics
All workers ...............................................................
$250
$200
–
$25
$25
$25
–
$100
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
250
250
250
250
250
250
250
250
250
250
250
250
200
200
200
200
250
250
250
250
250
250
250
–
–
$250
500
–
500
500
500
250
250
–
–
–
20
–
20
25
25
25
25
20
25
25
25
20
20
20
–
25
25
25
25
20
25
25
25
20
20
25
20
20
25
20
25
20
20
30
30
25
–
–
$65
–
100
–
–
100
–
–
–
200
–
–
–
100
–
–
–
100
150
–
–
–
$65
–
65
–
–
150
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
250
200
250
200
–
500
25
20
25
20
25
20
–
–
100
100
–
–
Union .......................................................................
Nonunion .................................................................
250
250
200
250
–
–
20
25
20
25
25
–
100
–
100
100
–
–
Average wage within the following categories1:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
250
250
250
250
250
200
200
200
–
–
500
–
25
25
20
20
25
25
20
20
20
25
25
20
–
100
–
–
100
100
–
–
–
–
–
–
Goods-producing industries .....................................
Manufacturing ......................................................
250
250
250
250
–
–
25
25
25
25
25
30
–
–
100
–
–
20
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
250
250
200
250
300
300
–
–
250
–
250
250
200
200
200
250
300
300
–
–
200
–
250
200
–
500
500
–
500
500
500
–
500
–
250
–
25
25
25
25
25
25
20
25
20
20
20
–
25
25
25
25
25
25
20
25
25
20
20
25
–
25
20
25
25
30
20
40
20
20
20
20
–
150
150
–
–
–
–
65
–
–
–
–
–
150
–
–
30
–
–
–
–
–
–
–
–
150
150
150
150
–
–
65
–
–
–
20
Establishment characteristics
See footnotes at end of table.
Table 11. Medical care benefits: Median copayment per visit for selected services by type of plan, private industry workers,
2015—continued
(Includes all workers participating in plans with specified copayments)
Hospital room and board
Characteristics
All plans
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
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
250
250
$200
250
–
250
–
–
–
–
–
–
$25
25
20
25
20
$25
25
20
25
20
$25
25
–
25
20
–
–
–
$100
50
–
–
–
–
–
$65
–
100
100
–
250
–
250
250
250
250
250
250
250
250
250
–
250
250
250
250
250
–
250
300
250
250
250
–
–
200
$500
500
500
–
–
–
–
500
500
–
–
–
–
20
20
20
25
25
25
25
25
25
25
20
25
20
20
20
20
25
25
25
25
25
25
25
20
25
20
25
25
25
25
20
25
25
30
35
–
20
20
20
100
–
100
100
–
–
100
–
–
–
20
–
20
–
–
–
$100
–
–
100
–
–
–
–
–
20
125
–
125
–
65
–
–
–
–
150
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 11. Standard errors for medical care benefits: Median copayment per visit for selected services by type of plan, private
industry workers, 2015
Hospital room and board
Characteristics
Fee-forservice
plans
All 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
Worker characteristics
All workers ...............................................................
$0
$53
–
$1
$1
$5
–
$19
–
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 ....................
0
55
0
18
16
34
34
13
9
0
0
0
0
16
9
33
30
51
34
13
0
13
0
–
–
$0
0
–
0
0
0
30
65
–
–
–
5
–
5
4
0
0
0
4
1
0
1
0
6
4
–
2
0
0
0
5
0
2
0
0
6
3
2
5
6
1
2
5
6
5
2
4
–
–
$19
–
29
–
–
20
–
–
–
59
–
–
–
16
–
–
–
0
29
–
–
–
$18
–
15
–
–
36
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
0
9
61
0
–
129
0
0
1
3
1
1
–
–
24
0
–
–
Union .......................................................................
Nonunion .................................................................
54
0
52
66
–
–
0
0
0
0
6
–
16
–
25
25
–
–
Average wage within the following categories1:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
0
0
0
42
0
56
0
13
–
–
100
–
0
0
3
0
0
0
1
0
6
0
0
1
–
5
–
–
22
20
–
–
–
–
–
–
Goods-producing industries .....................................
Manufacturing ......................................................
0
0
0
0
–
–
0
0
0
0
1
4
–
–
28
–
–
6
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0
0
38
0
53
24
–
–
0
–
13
39
0
44
9
0
55
64
–
–
39
–
0
36
–
36
0
–
65
65
0
–
133
–
39
–
3
0
0
0
1
0
3
0
5
0
0
–
2
0
0
0
3
0
4
0
6
0
0
5
–
0
2
5
0
4
2
11
0
0
0
0
–
0
0
–
–
–
–
13
–
–
–
–
–
0
–
–
7
–
–
–
–
–
–
–
–
0
42
30
16
–
–
17
–
–
–
0
Establishment characteristics
See footnotes at end of table.
Table 11. Standard errors for medical care benefits: Median copayment per visit for selected services by type of plan, private
industry workers, 2015—continued
Hospital room and board
Characteristics
All plans
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Fee-forservice
plans
Physician office visit
Health
maintenance
organizations
Fee-forservice
plans
All plans
Outpatient surgery
Health
maintenance
organizations
All plans
Fee-forservice
plans
Health
maintenance
organizations
$0
13
0
0
43
$57
26
–
26
–
–
–
–
–
–
$0
0
5
2
0
$0
0
5
2
0
$5
4
–
5
0
–
–
–
$30
12
–
–
–
–
–
$11
–
21
22
–
0
–
0
0
16
0
65
0
0
0
72
–
60
46
38
56
0
–
0
49
20
68
0
–
–
13
$0
0
0
–
–
–
–
46
0
–
–
–
–
2
0
6
0
2
0
0
0
1
2
0
4
0
0
0
0
0
2
0
0
0
0
2
4
0
0
0
7
6
6
6
5
4
6
7
–
0
0
0
0
–
19
29
–
–
0
–
–
–
5
–
3
–
–
–
$27
–
–
7
–
–
–
–
–
4
36
–
34
–
4
–
–
–
–
0
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The categories were
formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 12. Hospital room and board benefits: Extent of coverage by type of
plan, private industry workers, 2015
(All workers participating in medical care plans = 100 percent)
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Worker characteristics
All workers ...............................................................
6
91
–
–
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 ....................
8
4
11
–
3
–
4
–
–
3
–
–
89
92
87
83
93
95
92
95
95
95
96
94
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2
5
–
4
–
1
2
( )
–
2
2
Full time ...................................................................
Part time ..................................................................
6
–
91
90
–
–
–
1
Union .......................................................................
Nonunion .................................................................
10
6
88
91
–
–
–
–
Average wage within the following categories3:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
6
5
8
7
91
93
89
90
–
–
–
–
–
–
–
–
Goods-producing industries .....................................
Manufacturing ......................................................
3
–
93
92
–
–
4
5
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
7
2
–
4
4
–
–
–
19
6
9
21
90
96
95
94
94
96
93
97
77
93
91
74
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2
2
2
1
1
1
4
(2)
1
5
Establishment characteristics
See footnotes at end of table.
Table 12. Hospital room and board benefits: Extent of coverage by type of plan, private industry workers,
2015—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
Worker characteristics
All workers ...............................................................
5
93
–
–
14
82
–
4
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
7
–
9
–
2
–
3
–
–
–
–
–
91
94
89
85
95
97
94
95
95
95
96
95
–
–
–
–
–
–
–
–
–
–
–
–
–
3
3
5
–
2
–
1
(2)
2
2
2
15
10
19
–
–
–
–
–
–
–
–
–
80
81
79
74
81
78
82
94
94
92
96
87
–
–
–
–
–
–
–
–
–
–
–
–
5
9
2
4
7
13
5
(2)
1
(2)
2
( )
–
Full time ...................................................................
Part time ..................................................................
5
5
92
94
–
–
–
1
12
–
83
63
–
–
4
(2)
Union .......................................................................
Nonunion .................................................................
10
4
89
93
–
–
–
–
14
14
81
82
–
–
5
4
Average wage within the following categories3:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
4
4
6
5
93
93
91
93
–
–
–
–
–
–
–
–
–
8
16
–
82
90
79
75
–
–
–
–
2
2
6
1
Goods-producing industries .....................................
Manufacturing ......................................................
–
–
94
94
–
–
4
4
11
–
82
82
–
–
7
10
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
5
–
–
3
3
–
–
–
17
4
7
18
92
97
97
95
95
97
93
98
80
96
93
78
–
–
–
–
–
–
–
–
–
–
–
–
–
1
1
2
2
1
1
1
3
–
–
4
15
–
–
–
–
–
–
–
26
–
13
32
82
86
81
90
90
93
84
93
68
89
85
60
–
–
–
–
–
–
–
–
–
–
–
–
3
6
12
4
2
–
1
–
6
1
2
8
Establishment characteristics
See footnotes at end of table.
Table 12. Hospital room and board benefits: Extent of coverage by type of
plan, private industry workers, 2015—continued
(All workers participating in medical care plans = 100 percent)
All plans
Characteristics
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
5
–
7
–
10
92
94
90
92
86
–
–
–
–
–
2
2
–
3
4
10
–
11
–
2
–
–
4
–
–
11
–
15
88
90
88
96
95
96
96
91
91
92
85
93
82
–
–
–
–
–
–
–
–
–
–
–
–
–
2
1
2
2
3
3
1
–
5
3
3
3
4
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
See footnotes at end of table.
Table 12. Hospital room and board benefits: Extent of coverage by type of plan, private industry workers,
2015—continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristics
Full
coverage
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
4
–
5
3
8
95
97
91
93
87
–
–
–
–
–
2
1
–
–
4
13
–
15
–
23
82
77
82
86
75
–
–
–
–
–
5
10
4
4
2
10
–
11
–
–
–
–
–
–
–
6
–
–
88
88
88
97
97
96
97
91
90
93
91
93
89
–
–
–
–
–
–
–
–
–
–
–
–
–
2
2
2
2
1
3
1
5
6
3
3
3
3
–
–
–
3
–
–
–
–
–
–
26
–
30
90
94
87
89
86
96
94
92
93
84
70
90
65
–
–
–
–
–
–
–
–
–
–
–
–
–
1
–
2
8
10
1
4
3
4
–
4
–
5
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
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 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March
2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 12. Standard errors for hospital room and board benefits: Extent of
coverage by type of plan, private industry workers, 2015
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Worker characteristics
All workers ...............................................................
0.5
0.7
–
–
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 ....................
1.2
1.0
1.8
–
0.9
–
1.3
–
–
0.9
–
–
1.4
1.5
1.9
4.0
1.1
1.7
1.4
1.7
2.5
1.4
1.5
1.9
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.7
1.6
–
1.6
–
0.6
0.1
–
1.2
0.9
Full time ...................................................................
Part time ..................................................................
0.6
–
0.8
3.4
–
–
–
0.4
Union .......................................................................
Nonunion .................................................................
1.9
0.6
2.1
0.8
–
–
–
–
Average wage within the following categories3:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
1.4
0.6
1.2
1.5
1.7
0.7
1.4
1.6
–
–
–
–
–
–
–
–
Goods-producing industries .....................................
Manufacturing ......................................................
0.8
–
1.6
1.9
–
–
1.3
1.7
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0.7
0.6
–
0.7
1.0
–
–
–
2.2
1.3
1.6
2.7
0.8
0.9
1.4
1.1
1.0
1.1
2.4
1.5
2.7
1.3
1.6
3.2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.1
0.5
0.6
0.3
0.5
0.7
1.2
0.1
0.2
1.4
Establishment characteristics
See footnotes at end of table.
Table 12. Standard errors for hospital room and board benefits: Extent of coverage by type of plan, private industry
workers, 2015—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
Worker characteristics
All workers ...............................................................
0.6
0.8
–
–
1.7
2.4
–
1.5
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 ....................
1.1
–
1.7
–
0.4
–
0.6
–
–
–
–
–
1.1
1.2
1.8
3.8
0.8
1.2
1.0
1.9
2.9
1.5
1.7
1.9
–
–
–
–
–
–
–
–
–
–
–
–
–
0.8
0.7
2.0
–
1.2
–
0.6
0.1
1.2
1.4
1.1
4.0
2.7
5.7
–
–
–
–
–
–
–
–
–
4.9
7.1
5.7
8.8
4.5
9.3
5.2
3.2
2.3
3.1
2.2
7.1
–
–
–
–
–
–
–
–
–
–
–
–
3.1
6.2
1.1
2.5
3.3
9.6
2.9
0.3
0.5
(2)
(2)
–
Full time ...................................................................
Part time ..................................................................
0.6
1.4
0.8
1.3
–
–
–
0.5
1.9
–
2.6
12.4
–
–
1.6
0.1
Union .......................................................................
Nonunion .................................................................
2.4
0.6
2.7
0.8
–
–
–
–
4.2
2.0
4.9
2.6
–
–
3.3
1.7
Average wage within the following categories3:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
1.0
0.7
1.2
1.2
1.6
0.8
1.2
1.4
–
–
–
–
–
–
–
–
–
1.8
3.6
–
6.1
2.2
4.8
7.1
–
–
–
–
1.1
1.4
3.6
0.8
Goods-producing industries .....................................
Manufacturing ......................................................
–
–
1.3
1.6
–
–
1.2
1.4
2.7
–
7.0
7.9
–
–
6.0
7.8
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0.7
–
–
0.6
0.9
–
–
–
2.7
0.9
1.2
3.1
0.9
0.6
0.8
1.1
1.0
1.1
2.4
1.2
3.6
0.9
1.2
4.1
–
–
–
–
–
–
–
–
–
–
–
–
–
0.3
0.4
0.6
0.8
0.4
0.5
0.8
1.5
–
–
1.8
2.0
–
–
–
–
–
–
–
3.3
–
2.6
4.4
2.4
5.7
9.2
3.4
2.8
3.0
7.0
5.2
4.3
3.4
2.7
5.8
–
–
–
–
–
–
–
–
–
–
–
–
1.1
4.0
8.9
2.2
1.2
–
0.6
–
2.8
0.3
0.6
3.7
Establishment characteristics
See footnotes at end of table.
Table 12. Standard errors for hospital room and board benefits: Extent of
coverage by type of plan, private industry workers, 2015—continued
All plans
Characteristics
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
1.1
–
1.0
–
1.6
1.3
2.2
1.1
1.5
1.7
–
–
–
–
–
0.7
1.7
–
0.7
0.7
1.2
–
1.2
–
0.6
–
–
1.2
–
–
1.6
–
1.9
1.1
3.0
1.2
0.8
0.9
3.0
1.3
1.7
2.3
2.2
2.1
2.9
2.5
–
–
–
–
–
–
–
–
–
–
–
–
–
0.4
0.9
0.4
0.7
1.0
3.0
0.5
–
1.8
1.4
1.0
1.7
1.3
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
See footnotes at end of table.
Table 12. Standard errors for hospital room and board benefits: Extent of coverage by type of plan, private industry
workers, 2015—continued
Fee-for-service plan
Characteristics
Full
coverage
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
0.9
–
0.8
0.9
1.6
1.0
1.2
1.0
1.3
1.8
–
–
–
–
–
0.5
0.4
–
–
0.8
3.9
–
3.7
–
5.4
4.6
10.1
3.8
4.6
5.4
–
–
–
–
–
2.8
8.9
1.5
1.9
1.0
1.4
–
1.4
–
–
–
–
–
–
–
1.7
–
–
1.4
3.7
1.5
0.8
0.5
3.0
1.4
2.1
3.0
2.5
2.0
2.8
2.7
–
–
–
–
–
–
–
–
–
–
–
–
–
0.6
1.3
0.5
0.7
0.7
3.0
0.4
1.6
2.3
1.5
0.8
2.0
0.6
–
–
–
0.9
–
–
–
–
–
–
3.8
–
4.1
3.4
2.7
5.0
3.6
4.9
2.9
3.7
3.8
3.8
10.3
4.9
8.0
5.3
–
–
–
–
–
–
–
–
–
–
–
–
–
0.8
–
1.2
3.2
4.5
1.4
3.5
2.5
3.0
–
3.1
–
3.8
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
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 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March
2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 13. Hospital room and board benefits: Selected types of limits on coverage by type of plan,
private industry workers, 2015
(All workers participating in medical care plans with hospital room and board coverage with limits = 100 percent)
All plans
Characteristics
Copayment Coinsurance
only
only
Fee-for-service plan
Copayment
and
Coinsurance
Copayment
only
Coinsurance
only
Copayment
and
coinsurance
Worker characteristics
All workers ...............................................................
12
69
7
7
74
8
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 ....................
11
12
11
–
11
–
11
10
9
7
6
–
71
71
72
61
72
71
72
69
66
65
71
57
7
7
7
–
7
–
6
6
9
9
5
–
6
5
7
–
6
–
6
–
–
3
4
–
77
77
77
68
77
74
79
75
72
68
74
61
7
7
7
–
7
–
6
–
–
9
6
–
Full time ...................................................................
Part time ..................................................................
12
–
69
66
7
–
6
–
75
67
7
–
Union .......................................................................
Nonunion .................................................................
–
11
58
70
–
7
–
6
64
76
–
8
Average wage within the following categories1:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
10
11
12
10
69
67
71
74
7
8
7
8
6
6
6
5
75
73
76
79
8
8
7
8
Goods-producing industries .....................................
Manufacturing ......................................................
9
7
70
74
6
7
6
4
75
78
6
8
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
12
9
7
7
8
8
–
–
18
–
–
–
68
69
71
75
78
75
81
76
64
56
53
66
8
10
13
8
4
6
–
–
7
–
–
–
7
4
–
3
4
4
–
–
–
–
15
–
74
74
74
81
83
82
84
80
72
78
68
71
8
10
–
7
4
5
–
–
–
–
5
–
Establishment characteristics
See footnotes at end of table.
Table 13. Hospital room and board benefits: Selected types of limits
on coverage by type of plan, private industry workers,
2015—continued
(All workers participating in medical care plans with hospital room and board coverage with
limits = 100 percent)
Health maintenance organization
Characteristics
Copayment
only
Coinsurance
only
Copayment
and
coinsurance
All workers ...............................................................
39
37
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
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
–
44
–
54
41
49
39
28
–
–
–
53
41
–
43
–
35
–
–
–
–
42
55
–
–
–
–
–
4
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
40
–
36
54
6
–
Union .......................................................................
Nonunion .................................................................
58
37
–
38
–
6
Average wage within the following categories1:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
37
43
48
36
–
39
–
–
–
6
–
Goods-producing industries .....................................
Manufacturing ......................................................
–
–
41
48
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
43
53
51
37
42
–
52
–
38
61
66
–
36
–
–
–
–
35
43
–
–
–
–
42
6
–
–
–
–
–
–
–
–
–
–
–
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 13. Hospital room and board benefits: Selected types of limits on coverage by type of plan,
private industry workers, 2015—continued
(All workers participating in medical care plans with hospital room and board coverage with limits = 100 percent)
All plans
Characteristics
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Copayment Coinsurance
only
only
Fee-for-service plan
Copayment
and
Coinsurance
Copayment
only
Coinsurance
only
Copayment
and
coinsurance
11
10
12
13
12
69
70
69
67
72
6
8
9
9
8
6
–
7
8
–
74
76
75
72
78
6
–
9
9
–
19
–
17
12
15
–
–
6
8
–
11
–
12
60
49
63
68
65
64
73
74
75
72
72
71
73
6
–
6
7
7
–
–
7
8
–
9
–
7
11
–
10
9
11
–
–
–
–
–
–
–
–
71
65
73
72
71
64
77
77
77
75
79
73
83
7
–
6
7
6
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
See footnotes at end of table.
Table 13. Hospital room and board benefits: Selected types of limits
on coverage by type of plan, private industry workers,
2015—continued
(All workers participating in medical care plans with hospital room and board coverage with
limits = 100 percent)
Health maintenance organization
Characteristics
Copayment
only
Coinsurance
only
Copayment
and
coinsurance
–
39
47
41
60
41
–
32
–
–
–
–
9
–
–
46
38
51
43
47
–
38
–
–
–
–
–
–
–
–
–
–
–
–
–
53
58
–
48
61
43
–
–
–
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation,
which may include workers with earnings both above and below the threshold. The categories were formed
using percentile estimates generated using data from the National Compensation Survey publication,
"Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 13. Standard errors for hospital room and board benefits: Selected types of limits on
coverage by type of plan, private industry workers, 2015
All plans
Characteristics
Copayment Coinsurance
only
only
Fee-for-service plan
Copayment
and
Coinsurance
Copayment
only
Coinsurance
only
Copayment
and
coinsurance
Worker characteristics
All workers ...............................................................
0.8
1.0
0.7
0.9
1.1
0.8
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 ....................
1.1
1.3
1.7
–
1.0
–
1.4
2.9
2.3
1.3
1.2
–
1.7
1.7
2.5
3.7
1.6
3.2
1.9
4.0
4.4
2.7
2.3
4.9
1.2
1.0
1.8
–
1.4
–
1.0
0.8
1.7
1.6
1.5
–
1.1
1.2
1.5
–
1.0
–
1.3
–
–
0.7
0.8
–
1.9
1.9
2.8
3.7
1.8
3.5
2.1
4.6
4.6
2.8
2.5
5.0
1.3
1.2
2.1
–
1.6
–
1.2
–
–
1.6
1.7
–
Full time ...................................................................
Part time ..................................................................
0.8
–
1.1
4.3
0.6
–
0.8
–
1.2
4.5
0.7
–
Union .......................................................................
Nonunion .................................................................
–
0.8
4.4
1.0
–
0.7
–
0.8
5.1
1.1
–
0.8
Average wage within the following categories1:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
1.5
1.1
1.1
1.4
2.1
1.8
1.7
2.4
1.0
0.9
1.1
1.9
1.8
1.0
1.0
1.2
2.2
1.8
1.9
2.5
1.2
1.0
1.3
2.2
Goods-producing industries .....................................
Manufacturing ......................................................
1.6
1.2
2.3
2.3
1.1
1.5
1.8
1.0
2.6
2.2
1.3
1.6
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0.9
0.9
1.2
1.0
1.3
1.7
–
–
2.8
–
–
–
1.1
2.2
1.9
1.9
1.8
2.6
3.1
3.1
3.7
5.0
3.4
4.4
0.8
1.6
2.3
1.4
0.8
1.3
–
–
2.0
–
–
–
1.0
1.0
–
0.7
0.8
1.0
–
–
–
–
3.6
–
1.2
2.2
1.8
1.9
1.6
2.3
3.2
2.7
4.6
3.3
4.8
5.5
1.0
1.5
–
1.2
0.8
1.3
–
–
–
–
1.2
–
Establishment characteristics
See footnotes at end of table.
Table 13. Standard errors for hospital room and board benefits:
Selected types of limits on coverage by type of plan, private industry
workers, 2015—continued
Health maintenance organization
Characteristics
Copayment
only
Coinsurance
only
Copayment
and
coinsurance
All workers ...............................................................
2.9
3.3
1.3
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
–
7.6
–
11.7
4.5
9.8
5.4
6.9
–
–
–
13.9
5.4
–
6.7
–
5.8
–
–
–
–
7.2
8.7
–
–
–
–
–
1.3
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
2.9
–
3.3
14.7
1.3
–
Union .......................................................................
Nonunion .................................................................
8.3
3.1
–
3.6
–
1.4
Average wage within the following categories1:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
4.5
4.2
6.2
6.8
–
5.4
–
–
–
1.5
–
Goods-producing industries .....................................
Manufacturing ......................................................
–
–
6.2
6.9
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
3.4
3.9
7.3
6.6
6.9
–
8.9
–
5.1
7.1
5.8
–
3.8
–
–
–
–
7.5
9.4
–
–
–
–
7.5
1.5
–
–
–
–
–
–
–
–
–
–
–
Worker characteristics
Establishment characteristics
See footnotes at end of table.
Table 13. Standard errors for hospital room and board benefits: Selected types of limits on
coverage by type of plan, private industry workers, 2015—continued
All plans
Characteristics
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Copayment Coinsurance
only
only
Fee-for-service plan
Copayment
and
Coinsurance
Copayment
only
Coinsurance
only
Copayment
and
coinsurance
1.3
2.5
1.2
1.7
1.7
1.8
3.4
1.5
2.0
2.4
0.9
2.0
1.1
1.3
2.3
1.3
–
1.1
1.6
–
2.1
3.3
1.6
2.1
2.7
1.1
–
1.4
1.6
–
2.0
–
2.3
1.7
2.6
–
–
0.7
1.0
–
1.6
–
1.4
2.9
5.9
3.3
1.7
2.5
1.4
3.5
2.1
2.7
3.2
1.4
2.2
1.8
1.0
–
0.9
1.3
1.4
–
–
1.5
2.1
–
1.1
–
1.1
2.2
–
2.5
1.7
2.5
–
–
–
–
–
–
–
–
3.2
5.5
3.7
1.8
2.4
1.6
4.1
2.5
3.1
4.0
1.4
2.1
1.8
1.1
–
0.9
1.4
1.7
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
See footnotes at end of table.
Table 13. Standard errors for hospital room and board benefits:
Selected types of limits on coverage by type of plan, private industry
workers, 2015—continued
Health maintenance organization
Characteristics
Copayment
only
Coinsurance
only
Copayment
and
coinsurance
–
11.5
4.7
5.9
7.1
5.6
–
4.5
–
–
–
–
2.4
–
–
5.3
6.0
7.3
6.0
8.4
–
7.6
–
–
–
–
–
–
–
–
–
–
–
–
–
10.2
10.6
–
5.1
5.2
6.5
–
–
–
–
–
–
–
–
–
–
–
–
–
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation,
which may include workers with earnings both above and below the threshold. The categories were formed
using percentile estimates generated using data from the National Compensation Survey publication,
"Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 14. Inpatient surgery benefits: Extent of coverage by type of plan,
private industry workers, 2015
(All workers participating in medical care plans = 100 percent)
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Worker characteristics
All workers ...............................................................
10
83
–
–
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 ....................
11
9
12
21
6
5
6
–
–
6
5
–
82
84
81
72
85
89
84
84
83
88
89
88
–
–
–
–
–
–
–
–
–
–
–
–
–
–
7
6
–
–
–
6
8
–
6
5
Full time ...................................................................
Part time ..................................................................
10
11
83
86
–
–
–
3
Union .......................................................................
Nonunion .................................................................
21
8
75
84
–
–
–
–
Average wage within the following categories2:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
10
8
10
9
84
83
82
85
–
–
–
–
–
–
–
–
Goods-producing industries .....................................
Manufacturing ......................................................
7
5
83
85
–
–
10
10
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
11
4
–
6
6
5
8
7
22
14
16
23
83
90
92
84
81
79
88
88
72
84
80
70
–
–
–
–
–
–
–
–
–
–
–
–
–
–
4
10
13
16
4
5
6
2
4
7
Establishment characteristics
See footnotes at end of table.
Table 14. Inpatient surgery benefits: Extent of coverage by type of plan, private industry workers, 2015—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
Worker characteristics
All workers ...............................................................
7
87
–
–
27
64
–
8
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 ....................
8
5
10
14
3
–
3
–
–
4
5
–
85
88
83
80
89
94
86
86
86
90
88
92
–
–
–
–
–
–
–
–
–
–
–
–
–
–
7
6
–
4
–
7
9
–
7
4
24
28
22
47
23
29
22
–
–
–
–
–
66
63
69
45
65
54
69
70
55
76
91
55
–
–
–
–
–
–
–
–
–
–
–
–
9
9
9
8
11
17
9
3
5
4
–
9
Full time ...................................................................
Part time ..................................................................
7
6
86
91
–
–
–
2
26
41
65
55
–
–
9
4
Union .......................................................................
Nonunion .................................................................
16
5
81
88
–
–
–
–
48
24
42
68
–
–
10
8
Average wage within the following categories2:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
7
6
8
5
87
86
86
89
–
–
–
–
–
–
–
–
29
21
25
30
67
69
64
60
–
–
–
–
4
10
11
9
Goods-producing industries .....................................
Manufacturing ......................................................
6
4
84
87
–
–
10
10
16
16
74
73
–
–
10
11
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
7
–
–
5
5
–
–
–
17
5
8
19
87
93
95
84
81
77
89
93
77
91
85
75
–
–
–
–
–
–
–
–
–
–
–
–
–
5
4
11
14
19
4
4
5
4
6
6
30
25
–
–
11
–
19
–
36
28
33
38
62
66
65
88
85
90
80
66
56
72
67
51
–
–
–
–
–
–
–
–
–
–
–
–
8
9
9
3
4
–
1
11
8
–
–
11
Establishment characteristics
See footnotes at end of table.
Table 14. Inpatient surgery benefits: Extent of coverage by type of plan,
private industry workers, 2015—continued
(All workers participating in medical care plans = 100 percent)
All plans
Characteristics
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
7
4
12
10
15
84
84
82
86
77
–
–
–
–
–
9
12
–
–
7
15
–
16
8
11
–
–
6
7
–
12
–
16
79
83
77
85
83
88
87
86
85
90
80
90
75
–
–
–
–
–
–
–
–
–
–
–
–
–
6
3
7
–
6
8
7
–
–
7
8
4
9
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
See footnotes at end of table.
Table 14. Inpatient surgery benefits: Extent of coverage by type of plan, private industry workers, 2015—continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristics
Full
coverage
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
4
–
8
6
10
87
87
86
89
82
–
–
–
–
–
8
10
–
–
7
20
–
35
27
51
69
–
59
68
44
–
–
–
–
–
11
–
5
5
5
14
–
14
6
–
–
–
4
–
–
–
–
–
80
84
79
88
87
88
89
88
87
91
88
91
86
–
–
–
–
–
–
–
–
–
–
–
–
–
6
4
7
–
5
8
7
–
9
6
7
5
8
22
–
24
29
–
–
–
–
–
–
33
–
38
73
79
70
63
58
92
68
71
72
–
58
86
51
–
–
–
–
–
–
–
–
–
–
–
–
–
5
2
7
8
10
5
4
11
9
–
9
2
11
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
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 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March
2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 14. Standard errors for inpatient surgery benefits: Extent of coverage by
type of plan, private industry workers, 2015
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Worker characteristics
All workers ...............................................................
0.8
1.0
–
–
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 ....................
1.3
1.4
1.8
4.1
1.0
1.3
1.3
–
–
1.4
1.2
–
1.8
1.9
2.6
4.1
1.3
2.1
1.7
3.8
3.5
1.8
2.0
2.9
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.9
1.7
–
–
–
1.4
2.4
–
1.8
1.8
Full time ...................................................................
Part time ..................................................................
0.9
3.1
1.1
2.8
–
–
–
0.8
Union .......................................................................
Nonunion .................................................................
3.4
0.8
3.7
1.1
–
–
–
–
Average wage within the following categories2:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
1.8
1.0
1.2
1.5
2.1
1.4
1.8
2.5
–
–
–
–
–
–
–
–
Goods-producing industries .....................................
Manufacturing ......................................................
1.5
1.2
2.2
2.1
–
–
1.4
1.7
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0.9
1.0
–
0.8
1.1
1.4
2.4
1.5
2.6
3.0
2.3
3.1
1.2
1.5
1.7
1.8
2.3
2.9
3.0
3.1
2.9
3.0
3.2
3.4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.6
1.6
1.8
3.1
1.6
2.7
1.2
1.3
2.5
1.4
Establishment characteristics
See footnotes at end of table.
Table 14. Standard errors for inpatient surgery benefits: Extent of coverage by type of plan, private industry workers,
2015—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
Worker characteristics
All workers ...............................................................
0.8
1.0
–
–
3.1
3.0
–
2.2
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1.3
1.3
1.9
3.2
0.5
–
0.7
–
–
1.0
1.4
–
1.7
1.7
2.5
3.9
1.1
1.6
1.6
4.2
3.0
1.8
2.3
2.4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.7
2.1
–
1.6
–
1.5
2.6
–
2.1
1.9
3.9
5.7
5.0
9.7
4.5
7.4
5.1
–
–
–
–
–
4.9
7.0
5.9
9.6
4.0
8.3
4.4
8.3
12.8
7.5
2.8
13.7
–
–
–
–
–
–
–
–
–
–
–
–
3.8
6.2
4.2
4.4
3.6
8.5
3.7
1.9
3.6
2.3
–
5.8
Full time ...................................................................
Part time ..................................................................
0.8
1.8
1.1
1.8
–
–
–
0.7
3.3
11.4
3.2
8.6
–
–
2.2
3.7
Union .......................................................................
Nonunion .................................................................
3.6
0.8
3.8
1.1
–
–
–
–
10.3
2.7
7.4
2.9
–
–
5.6
2.3
Average wage within the following categories2:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
1.7
0.8
1.3
1.3
2.1
1.4
1.6
1.9
–
–
–
–
–
–
–
–
5.8
4.7
3.8
4.9
5.2
4.0
5.3
6.9
–
–
–
–
1.4
3.1
4.7
5.7
Goods-producing industries .....................................
Manufacturing ......................................................
1.7
1.0
2.4
2.0
–
–
1.4
1.6
3.2
4.6
6.8
7.4
–
–
6.0
7.9
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0.9
–
–
0.8
1.2
–
–
–
3.1
0.9
1.2
3.6
1.1
1.1
1.1
2.0
2.6
3.4
3.1
2.2
3.4
2.1
3.6
3.9
–
–
–
–
–
–
–
–
–
–
–
–
–
1.0
0.8
1.7
1.9
3.5
1.7
2.0
1.0
2.0
3.5
1.1
3.7
6.3
–
–
3.3
–
5.6
–
4.5
7.5
5.9
5.7
3.4
6.9
9.5
3.3
3.9
4.1
5.7
10.4
5.0
7.5
5.9
6.5
–
–
–
–
–
–
–
–
–
–
–
–
2.2
4.2
4.4
2.2
2.7
–
0.6
7.5
3.2
–
–
4.3
Establishment characteristics
See footnotes at end of table.
Table 14. Standard errors for inpatient surgery benefits: Extent of coverage by
type of plan, private industry workers, 2015—continued
All plans
Characteristics
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
1.2
0.9
1.4
1.9
1.9
1.9
3.3
1.5
2.1
2.2
–
–
–
–
–
1.3
3.1
–
–
1.2
1.5
–
1.4
1.7
2.7
–
–
1.0
1.3
–
1.7
–
2.4
2.2
5.1
2.5
2.3
3.5
4.3
3.6
1.0
1.3
1.5
2.0
2.9
2.5
–
–
–
–
–
–
–
–
–
–
–
–
–
1.4
1.0
1.9
–
1.4
3.6
1.8
–
–
1.5
1.9
1.9
2.7
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
See footnotes at end of table.
Table 14. Standard errors for inpatient surgery benefits: Extent of coverage by type of plan, private industry workers,
2015—continued
Fee-for-service plan
Characteristics
Full
coverage
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
1.1
–
1.1
1.6
1.8
1.7
2.8
1.3
1.9
2.2
–
–
–
–
–
1.2
2.4
–
–
1.3
3.8
–
4.5
5.6
6.3
4.7
–
4.3
5.3
6.3
–
–
–
–
–
3.8
–
1.8
2.0
2.7
1.5
–
1.4
1.5
–
–
–
1.2
–
–
–
–
–
1.9
4.2
2.2
2.0
2.5
4.4
3.9
1.3
1.8
1.8
2.6
3.6
3.5
–
–
–
–
–
–
–
–
–
–
–
–
–
1.5
1.5
1.9
–
1.4
3.7
2.0
–
1.4
1.6
1.7
2.3
2.3
4.7
–
6.1
7.5
–
–
–
–
–
–
4.9
–
5.4
6.3
8.6
8.7
7.1
10.1
4.9
6.4
7.9
8.6
–
4.2
7.9
4.3
–
–
–
–
–
–
–
–
–
–
–
–
–
2.7
1.6
4.1
3.6
5.2
4.7
3.6
5.4
5.6
–
4.3
0.4
5.3
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
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 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March
2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 15. Outpatient surgery benefits: Extent of coverage by type of plan,
private industry workers, 2015
(All workers participating in medical care plans = 100 percent)
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Worker characteristics
All workers ...............................................................
7
86
–
–
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 ....................
6
6
6
19
4
–
5
7
–
5
4
–
86
86
86
76
87
91
85
87
83
90
90
90
–
–
–
–
–
–
–
–
–
–
–
–
–
–
7
6
–
5
–
–
8
–
6
4
Full time ...................................................................
Part time ..................................................................
7
–
86
85
–
–
–
3
Union .......................................................................
Nonunion .................................................................
16
6
80
87
–
–
–
–
Average wage within the following categories2:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
7
6
6
5
87
86
87
89
–
–
–
–
–
–
–
–
Goods-producing industries .....................................
Manufacturing ......................................................
4
4
86
86
–
–
10
10
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
8
4
–
4
4
–
–
–
12
12
16
13
86
91
92
86
83
81
90
92
81
87
82
80
–
–
–
–
–
–
–
–
–
–
–
–
–
–
3
10
13
16
4
6
6
1
2
7
Establishment characteristics
See footnotes at end of table.
Table 15. Outpatient surgery benefits: Extent of coverage by type of plan, private industry workers, 2015—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
Worker characteristics
All workers ...............................................................
5
88
–
–
17
77
–
5
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 ....................
5
–
5
16
2
1
3
–
–
4
4
–
88
89
88
78
89
94
87
88
86
91
89
92
–
–
–
–
–
–
–
–
–
–
–
–
–
7
7
6
–
–
–
7
9
–
7
4
14
17
–
–
16
–
14
–
–
12
–
–
78
75
81
67
76
70
79
77
62
86
93
76
–
–
–
–
–
–
–
–
–
–
–
–
7
9
6
4
7
8
7
1
2
2
–
4
Full time ...................................................................
Part time ..................................................................
5
–
88
87
–
–
–
3
17
–
77
76
–
–
6
1
Union .......................................................................
Nonunion .................................................................
13
4
83
88
–
–
–
–
31
15
64
79
–
–
5
6
Average wage within the following categories2:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
5
5
5
3
88
87
88
90
–
–
–
–
–
–
–
–
19
14
14
14
79
81
77
78
–
–
–
–
2
5
9
7
Goods-producing industries .....................................
Manufacturing ......................................................
4
3
86
87
–
–
10
10
6
8
86
82
–
–
8
10
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
5
2
–
4
4
–
–
–
10
4
6
11
88
93
94
85
82
78
90
94
83
95
91
82
–
–
–
–
–
–
–
–
–
–
–
–
–
–
4
11
14
19
4
4
6
1
2
7
20
22
–
–
–
–
–
–
20
26
37
–
75
78
80
92
90
95
89
81
74
74
63
74
–
–
–
–
–
–
–
–
–
–
–
–
5
(3)
3
( )
3
4
–
1
11
6
–
–
8
Establishment characteristics
See footnotes at end of table.
Table 15. Outpatient surgery benefits: Extent of coverage by type of plan,
private industry workers, 2015—continued
(All workers participating in medical care plans = 100 percent)
All plans
Characteristics
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
6
4
8
5
11
86
85
86
90
81
–
–
–
–
–
8
11
–
–
8
13
–
13
5
–
–
3
5
6
–
8
–
8
80
84
79
89
88
88
91
87
86
90
85
89
83
–
–
–
–
–
–
–
–
–
–
–
–
–
6
2
8
–
6
8
–
–
–
7
7
4
8
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
See footnotes at end of table.
Table 15. Outpatient surgery benefits: Extent of coverage by type of plan, private industry workers, 2015—continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristics
Full
coverage
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
4
–
6
4
7
87
88
88
91
84
–
–
–
–
–
8
10
–
–
9
13
–
21
–
40
79
73
75
84
59
–
–
–
–
–
7
19
4
5
1
12
–
12
–
–
–
–
–
–
–
–
–
–
80
84
79
92
92
88
93
87
86
91
88
89
87
–
–
–
–
–
–
–
–
–
–
–
–
–
8
4
9
6
5
8
6
8
9
6
7
5
9
18
–
–
27
30
–
–
–
–
–
14
–
15
81
85
78
65
60
100
69
85
86
77
79
90
76
–
–
–
–
–
–
–
–
–
–
–
–
–
1
–
1
8
10
–
4
5
4
12
7
(3)
8
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
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 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March
2015."
3 Less than 0.5.
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 15. Standard errors for outpatient surgery benefits: Extent of coverage
by type of plan, private industry workers, 2015
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Worker characteristics
All workers ...............................................................
0.7
1.0
–
–
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 ....................
0.8
1.3
1.0
3.6
0.7
–
0.9
1.8
–
0.9
0.9
–
1.6
1.8
2.2
3.7
1.3
2.0
1.6
2.1
3.4
1.5
1.7
2.4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.9
1.6
–
1.6
–
–
2.3
–
1.8
1.8
Full time ...................................................................
Part time ..................................................................
0.7
–
1.0
4.5
–
–
–
0.8
Union .......................................................................
Nonunion .................................................................
2.5
0.7
2.7
1.0
–
–
–
–
Average wage within the following categories2:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
1.1
0.8
0.8
0.9
1.7
1.3
1.5
2.3
–
–
–
–
–
–
–
–
Goods-producing industries .....................................
Manufacturing ......................................................
0.6
0.7
1.5
1.9
–
–
1.4
1.8
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0.9
0.9
–
0.6
0.9
–
–
–
2.1
3.1
2.6
2.4
1.2
1.6
1.6
1.7
2.2
3.1
2.7
2.8
2.4
3.1
2.6
2.8
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.7
1.6
1.8
3.1
1.6
2.6
1.4
0.5
0.9
1.6
Establishment characteristics
See footnotes at end of table.
Table 15. Standard errors for outpatient surgery benefits: Extent of coverage by type of plan, private industry workers,
2015—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
Worker characteristics
All workers ...............................................................
0.7
1.0
–
–
2.6
2.6
–
2.0
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 ....................
0.7
–
0.9
4.4
0.4
0.3
0.6
–
–
0.9
1.0
–
1.4
1.6
2.0
4.8
1.2
1.6
1.6
2.0
3.0
1.6
2.0
2.4
–
–
–
–
–
–
–
–
–
–
–
–
–
1.1
1.6
2.1
–
–
–
1.5
2.6
–
2.1
1.9
3.2
4.6
–
–
3.6
–
3.9
–
–
3.0
–
–
4.6
6.5
5.4
10.3
3.9
9.3
4.2
7.9
12.5
3.5
2.6
8.2
–
–
–
–
–
–
–
–
–
–
–
–
3.7
6.2
3.9
2.5
3.2
7.9
3.4
1.0
1.9
1.8
–
4.3
Full time ...................................................................
Part time ..................................................................
0.6
–
1.0
4.6
–
–
–
0.8
2.7
–
2.7
16.7
–
–
2.1
1.0
Union .......................................................................
Nonunion .................................................................
2.3
0.6
2.8
1.0
–
–
–
–
7.7
2.4
7.6
2.5
–
–
3.3
2.2
Average wage within the following categories2:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
1.2
0.7
0.7
0.8
1.8
1.5
1.2
1.7
–
–
–
–
–
–
–
–
5.6
2.9
2.4
2.8
5.6
3.4
4.8
6.7
–
–
–
–
0.9
2.3
4.7
5.8
Goods-producing industries .....................................
Manufacturing ......................................................
0.7
0.9
1.5
1.8
–
–
1.4
1.6
1.2
1.6
5.9
7.6
–
–
6.0
7.8
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0.9
0.6
–
0.6
0.9
–
–
–
2.0
1.2
1.8
2.3
1.2
1.2
1.1
1.9
2.4
3.5
2.9
2.0
2.9
1.5
2.3
3.3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.8
1.7
1.9
3.5
1.7
1.7
1.4
0.8
1.3
1.6
3.3
6.0
–
–
–
–
–
–
5.0
7.5
5.2
–
2.9
6.0
8.8
2.5
3.1
3.1
4.0
8.4
5.0
7.5
5.2
6.3
–
–
–
–
–
–
–
–
–
–
–
–
1.9
0.1
0.2
2.2
2.7
–
0.6
7.5
2.8
–
–
3.7
Establishment characteristics
See footnotes at end of table.
Table 15. Standard errors for outpatient surgery benefits: Extent of coverage
by type of plan, private industry workers, 2015—continued
All plans
Characteristics
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
0.8
1.0
0.9
1.1
1.6
1.7
3.2
1.0
1.4
1.9
–
–
–
–
–
1.3
3.0
–
–
1.3
1.8
–
1.7
1.1
–
–
0.6
1.2
1.7
–
1.7
–
2.3
2.2
5.2
2.5
1.8
2.9
5.2
1.8
1.4
2.0
1.5
2.1
2.9
2.8
–
–
–
–
–
–
–
–
–
–
–
–
–
1.3
1.0
1.7
–
1.4
3.6
–
–
–
1.3
2.0
1.9
2.8
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
See footnotes at end of table.
Table 15. Standard errors for outpatient surgery benefits: Extent of coverage by type of plan, private industry workers,
2015—continued
Fee-for-service plan
Characteristics
Full
coverage
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
1.0
–
0.8
1.0
1.3
1.6
2.7
1.1
1.6
1.9
–
–
–
–
–
1.2
2.4
–
–
1.5
2.9
–
3.5
–
5.7
4.6
10.2
3.5
4.1
5.7
–
–
–
–
–
3.6
10.3
1.5
2.0
1.0
1.5
–
1.5
–
–
–
–
–
–
–
–
–
–
2.4
5.0
2.8
1.5
2.0
5.3
1.9
1.6
2.2
1.9
2.6
4.7
3.2
–
–
–
–
–
–
–
–
–
–
–
–
–
1.6
1.5
2.0
1.2
1.4
3.7
2.0
1.1
1.4
1.6
1.7
2.3
2.3
4.9
–
–
6.4
8.8
–
–
–
–
–
4.0
–
4.5
4.8
6.9
6.4
6.0
8.3
(3)
6.2
6.3
6.7
14.0
3.7
8.6
3.8
–
–
–
–
–
–
–
–
–
–
–
–
–
0.5
–
0.7
3.5
5.2
–
3.5
3.2
3.0
11.2
4.3
0.2
5.2
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
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 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March
2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 16. Physician office visit benefits: Extent of coverage by type of plan,
private industry workers, 2015
(All workers participating in medical care plans = 100 percent)
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Worker characteristics
All workers ...............................................................
2
98
–
(2)
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
3
–
4
–
–
–
–
–
–
–
–
–
97
98
96
95
99
99
99
100
99
99
100
99
–
–
–
–
–
–
–
–
–
–
–
–
(2)
(2)
(2)
1
(2)
2
( )
(2)
(2)
(2)
–
–
–
Full time ...................................................................
Part time ..................................................................
2
–
98
98
–
–
(2)
1
Union .......................................................................
Nonunion .................................................................
–
2
95
98
–
–
1
(2)
Average wage within the following categories3:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
3
–
98
98
97
97
–
–
–
–
(2)
(2)
(2)
1
Goods-producing industries .....................................
Manufacturing ......................................................
–
–
99
99
–
–
(2)
(2)
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
2
–
–
–
–
–
–
–
5
–
–
5
97
99
100
99
99
99
99
96
95
99
99
94
–
–
–
–
–
–
–
–
–
–
–
–
(2)
–
–
(2)
(2)
–
1
–
1
–
–
1
Establishment characteristics
See footnotes at end of table.
Table 16. Physician office visit benefits: Extent of coverage by type of plan, private industry workers, 2015—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
Worker characteristics
All workers ...............................................................
1
99
–
(2)
7
93
–
–
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 ....................
2
–
3
–
–
–
–
–
–
–
–
–
98
99
96
97
99
99
100
100
99
100
100
100
–
–
–
–
–
–
–
–
–
–
–
–
(2)
(2)
1
1
(2)
(2)
(2)
(2)
(2)
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
92
93
92
89
96
97
95
99
98
96
98
93
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
1
–
99
98
–
–
(2)
1
7
–
93
96
–
–
–
–
Union .......................................................................
Nonunion .................................................................
–
1
96
99
–
–
2
(2)
–
6
89
94
–
–
–
–
Average wage within the following categories3:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
2
–
99
99
98
98
–
–
–
–
(2)
(2)
(2)
1
–
–
–
–
92
94
93
93
–
–
–
–
–
–
–
–
Goods-producing industries .....................................
Manufacturing ......................................................
–
–
100
100
–
–
(2)
(2)
–
–
98
98
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
1
–
–
–
–
–
–
–
4
–
–
5
98
100
100
99
99
99
98
99
95
100
99
94
–
–
–
–
–
–
–
–
–
–
–
–
(2)
–
–
2
( )
(2)
–
1
–
1
–
–
1
8
–
–
–
–
–
–
–
–
–
–
–
92
97
100
100
100
100
100
84
94
99
98
93
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 16. Physician office visit benefits: Extent of coverage by type of plan,
private industry workers, 2015—continued
(All workers participating in medical care plans = 100 percent)
All plans
Characteristics
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
2
–
2
–
–
98
98
97
98
97
–
–
–
–
–
–
–
( )
(2)
1
–
–
–
2
4
–
–
–
–
–
–
–
–
95
96
95
98
96
99
100
99
99
99
99
100
98
–
–
–
–
–
–
–
–
–
–
–
–
–
1
–
1
2
( )
2
( )
(2)
(2)
–
–
–
2
( )
–
1
2
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
See footnotes at end of table.
Table 16. Physician office visit benefits: Extent of coverage by type of plan, private industry workers, 2015—continued
(All workers participating in medical care plans = 100 percent)
Fee-for-service plan
Characteristics
Full
coverage
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
–
–
1
–
2
99
99
98
98
98
–
–
–
–
–
–
–
1
1
1
–
–
–
–
–
93
92
94
97
89
–
–
–
–
–
–
–
–
–
–
–
–
–
1
–
–
–
–
–
–
–
–
–
97
99
96
99
98
99
100
99
99
99
99
100
98
–
–
–
–
–
–
–
–
–
–
–
–
–
1
–
1
(2)
(2)
(2)
(2)
–
–
–
1
–
1
–
–
–
–
–
–
–
–
–
–
–
–
–
90
90
89
87
81
84
100
99
99
100
97
100
97
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
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 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March
2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 16. Standard errors for physician office visit benefits: Extent of
coverage by type of plan, private industry workers, 2015
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Worker characteristics
All workers ...............................................................
0.3
0.3
–
0.1
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
0.8
–
1.1
–
–
–
–
–
–
–
–
–
0.8
0.7
1.1
1.4
0.3
0.4
0.4
0.2
0.3
0.3
0.3
0.7
–
–
–
–
–
–
–
–
–
–
–
–
0.2
0.2
0.2
0.3
0.1
0.1
0.1
0.1
0.1
–
–
–
Full time ...................................................................
Part time ..................................................................
0.3
–
0.3
0.9
–
–
0.1
0.4
Union .......................................................................
Nonunion .................................................................
–
0.3
1.6
0.3
–
–
0.5
0.1
Average wage within the following categories3:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
0.7
–
0.6
0.6
0.7
1.0
–
–
–
–
0.1
0.1
0.2
0.4
Goods-producing industries .....................................
Manufacturing ......................................................
–
–
0.2
0.3
–
–
0.2
0.2
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0.4
–
–
–
–
–
–
–
0.9
–
–
1.0
0.4
0.2
0.2
0.4
0.5
0.6
1.1
1.5
0.8
0.3
0.4
0.9
–
–
–
–
–
–
–
–
–
–
–
–
0.1
–
–
0.3
0.4
–
1.1
–
0.4
–
–
0.5
Establishment characteristics
See footnotes at end of table.
Table 16. Standard errors for physician office visit benefits: Extent of coverage by type of plan, private industry
workers, 2015—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
Worker characteristics
All workers ...............................................................
0.2
0.2
–
0.1
1.6
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
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
0.5
–
0.9
–
–
–
–
–
–
–
–
–
0.6
0.4
0.9
0.9
0.2
0.3
0.2
0.2
0.3
(2)
(2)
(2)
–
–
–
–
–
–
–
–
–
–
–
–
0.2
0.3
0.3
0.3
0.1
0.2
0.1
0.1
0.2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
3.3
3.1
4.8
6.1
1.9
2.6
2.4
0.7
1.3
2.5
2.0
5.3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
0.2
–
0.2
0.9
–
–
0.1
0.5
1.6
–
1.6
3.6
–
–
–
–
Union .......................................................................
Nonunion .................................................................
–
0.2
1.3
0.2
–
–
0.6
0.1
–
1.6
7.3
1.6
–
–
–
–
Average wage within the following categories3:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
0.5
–
0.3
0.2
0.5
0.7
–
–
–
–
0.1
0.1
0.2
0.4
–
–
–
–
4.3
3.4
2.7
3.9
–
–
–
–
–
–
–
–
Goods-producing industries .....................................
Manufacturing ......................................................
–
–
0.2
0.3
–
–
0.2
0.3
–
–
1.4
1.9
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0.3
–
–
–
–
–
–
–
1.1
–
–
1.3
0.3
0.1
0.3
0.5
0.6
0.7
1.2
0.9
1.1
0.4
0.6
1.3
–
–
–
–
–
–
–
–
–
–
–
–
0.1
–
–
0.4
0.5
–
1.2
–
0.5
–
–
0.6
2.0
–
–
–
–
–
–
–
–
–
–
–
2.0
1.7
(2)
(2)
(2)
(2)
(2)
5.9
2.6
0.2
0.3
3.5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 16. Standard errors for physician office visit benefits: Extent of
coverage by type of plan, private industry workers, 2015—continued
All plans
Characteristics
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
0.4
–
0.5
–
–
0.4
1.0
0.5
0.6
0.9
–
–
–
–
–
–
–
0.2
0.2
0.3
–
–
–
0.6
1.1
–
–
–
–
–
–
–
–
1.3
3.7
1.2
0.6
1.1
0.7
0.1
0.3
0.3
0.7
0.4
0.1
0.6
–
–
–
–
–
–
–
–
–
–
–
–
–
0.3
–
0.4
0.1
(2)
0.2
0.1
–
–
–
0.3
–
0.4
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
See footnotes at end of table.
Table 16. Standard errors for physician office visit benefits: Extent of coverage by type of plan, private industry
workers, 2015—continued
Fee-for-service plan
Characteristics
Full
coverage
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Coverage
with limits1
No
coverage
Health maintenance organization
Not
determinable
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
–
–
0.3
–
0.5
0.3
0.9
0.3
0.5
0.6
–
–
–
–
–
–
–
0.2
0.3
0.3
–
–
–
–
–
2.1
3.9
2.4
2.3
5.3
–
–
–
–
–
–
–
–
–
–
–
–
–
0.3
–
–
–
–
–
–
–
–
–
0.8
0.8
1.0
0.3
0.6
0.4
0.2
0.4
0.5
0.7
0.5
0.1
0.9
–
–
–
–
–
–
–
–
–
–
–
–
–
0.4
–
0.5
0.1
0.1
0.2
0.1
–
–
–
0.4
–
0.6
–
–
–
–
–
–
–
–
–
–
–
–
–
4.9
9.6
5.5
4.6
6.3
14.1
(2)
0.6
0.7
(2)
1.1
(2)
1.3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
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 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March
2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 17. Fee-for-service plans: Summary of selected features, private industry workers, 2015
(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
Worker characteristics
All workers ...............................................................
93
7
–
83
17
–
95
4
(1)
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
95
96
94
91
96
96
97
90
95
89
93
85
5
4
6
9
4
–
3
–
–
11
7
15
–
–
–
–
–
–
–
–
–
–
–
–
84
84
83
77
86
88
84
82
82
80
84
75
16
16
17
23
14
12
16
18
18
20
16
25
–
–
–
–
–
–
–
–
–
–
–
–
95
95
96
92
96
97
95
94
92
96
94
98
4
5
4
–
3
–
3
–
–
4
6
–
(1)
(1)
(1)
–
1
–
1
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
94
89
6
–
–
–
83
79
17
21
–
–
95
98
5
–
(1)
–
Union .......................................................................
Nonunion .................................................................
84
95
16
5
–
–
72
84
28
16
–
–
90
96
10
4
–
(1)
Average wage within the following categories2:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
92
94
94
94
8
6
6
6
–
–
–
–
83
83
83
87
17
17
17
13
–
–
–
–
96
95
95
94
4
4
5
6
1
(1)
1
( )
(1)
Goods-producing industries .....................................
Manufacturing ......................................................
92
94
–
6
–
–
85
89
15
11
–
–
96
96
4
4
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
94
94
98
98
98
98
97
94
92
93
88
92
6
6
–
2
2
–
–
–
8
7
12
8
–
–
–
–
–
–
–
–
–
–
–
–
82
84
89
87
87
86
86
84
79
86
76
78
18
16
11
13
13
14
14
16
21
14
24
22
–
–
–
–
–
–
–
–
–
–
–
–
95
97
97
94
94
95
93
96
92
99
98
91
5
3
–
4
5
–
7
–
8
–
–
9
(1)
–
–
2
1
–
1
–
1
–
–
1
Establishment characteristics
See footnotes at end of table.
Table 17. Fee-for-service plans: Summary of selected features, private industry workers, 2015—continued
(All workers participating in fee-for-service plans = 100 percent)
Annual deductible
Characteristics
Yes
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
95
96
92
92
92
5
–
8
8
8
–
–
–
–
–
80
82
85
83
87
20
18
15
17
13
–
–
–
–
–
95
97
95
95
95
4
–
5
5
4
(1)
–
(1)
(1)
(1)
92
93
92
94
95
92
93
94
94
94
93
93
93
8
–
8
6
5
8
–
6
6
6
7
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
73
68
75
82
82
80
82
85
87
82
88
87
88
27
32
25
18
18
–
18
15
13
18
12
–
12
–
–
–
–
–
–
–
–
–
–
–
–
–
89
87
90
96
96
97
95
96
95
98
98
100
96
11
–
10
4
3
–
–
4
5
–
–
–
–
–
–
–
1
1
–
–
1
(1)
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
Less than 0.5.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 17. Standard errors for fee-for-service plans: Summary of selected features, private industry workers, 2015
Annual deductible
Characteristics
Yes
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
Worker characteristics
All workers ...............................................................
0.8
0.8
–
1.3
1.3
–
0.6
0.6
0.1
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
0.8
1.0
1.3
2.6
0.9
2.2
0.6
3.4
2.2
2.2
2.0
3.8
0.8
1.0
1.3
2.6
0.9
–
0.6
–
–
2.2
2.0
3.8
–
–
–
–
–
–
–
–
–
–
–
–
1.8
2.0
2.5
4.8
1.5
2.3
1.8
4.3
4.0
2.5
2.0
5.1
1.8
2.0
2.5
4.8
1.5
2.3
1.8
4.3
4.0
2.5
2.0
5.1
–
–
–
–
–
–
–
–
–
–
–
–
0.8
1.3
0.8
2.5
0.9
1.5
1.0
2.0
3.1
1.0
1.8
0.3
0.7
1.2
0.8
–
0.7
–
0.8
–
–
1.0
1.8
–
0.1
0.2
0.1
–
0.4
–
0.5
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
0.8
3.4
0.8
–
–
–
1.3
5.5
1.3
5.5
–
–
0.6
0.9
0.6
–
0.2
–
Union .......................................................................
Nonunion .................................................................
2.5
0.8
2.5
0.8
–
–
3.5
1.3
3.5
1.3
–
–
2.5
0.5
2.5
0.5
–
0.2
Average wage within the following categories1:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
1.8
1.1
1.0
1.6
1.8
1.1
1.0
1.6
–
–
–
–
2.3
1.7
1.6
2.1
2.3
1.7
1.6
2.1
–
–
–
–
0.8
1.1
0.8
1.3
0.7
1.0
0.8
1.3
0.3
0.2
0.1
0.1
Goods-producing industries .....................................
Manufacturing ......................................................
2.4
1.5
–
1.5
–
–
2.5
1.7
2.5
1.7
–
–
0.8
1.2
0.8
1.2
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0.7
1.4
1.0
0.5
0.6
1.0
1.3
2.2
2.1
1.7
2.7
2.4
0.7
1.4
–
0.5
0.6
–
–
–
2.1
1.7
2.7
2.4
–
–
–
–
–
–
–
–
–
–
–
–
1.6
2.3
2.1
1.5
1.7
2.3
2.9
3.2
3.7
2.7
4.0
4.3
1.6
2.3
2.1
1.5
1.7
2.3
2.9
3.2
3.7
2.7
4.0
4.3
–
–
–
–
–
–
–
–
–
–
–
–
0.7
0.5
1.0
1.8
2.1
2.9
2.1
1.5
1.9
0.4
0.7
2.2
0.7
0.5
–
1.2
1.2
–
2.0
–
1.8
–
–
2.1
0.2
–
–
1.0
1.2
–
0.3
–
0.3
–
–
0.4
Establishment characteristics
See footnotes at end of table.
Table 17. Standard errors for fee-for-service plans: Summary of selected features, private industry workers, 2015—continued
Annual deductible
Characteristics
Yes
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
1.3
1.7
0.8
1.1
1.4
1.3
–
0.8
1.1
1.4
–
–
–
–
–
2.1
3.8
1.2
1.6
1.8
2.1
3.8
1.2
1.6
1.8
–
–
–
–
–
1.0
1.3
0.7
1.1
0.8
0.9
–
0.7
1.0
0.8
0.2
–
0.2
0.3
0.2
1.9
5.2
1.9
1.6
1.1
2.0
4.2
0.6
0.8
0.9
2.0
3.9
2.2
1.9
–
1.9
1.6
1.1
2.0
–
0.6
0.8
0.9
2.0
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
3.7
4.3
4.4
2.3
2.2
7.2
4.9
2.6
3.0
4.7
2.1
4.3
2.3
3.7
4.3
4.4
2.3
2.2
–
4.9
2.6
3.0
4.7
2.1
–
2.3
–
–
–
–
–
–
–
–
–
–
–
–
–
2.0
3.9
2.3
1.0
1.1
1.6
2.1
0.9
1.2
1.0
1.1
0.3
1.8
2.0
–
2.3
0.9
0.8
–
–
0.8
1.1
–
–
–
–
–
–
–
0.3
0.6
–
–
0.4
0.3
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 18. Fee-for-service plans: Coverage for selected services,1 private industry
workers, 2015
(All workers participating in fee-for-service plans = 100 percent)
Characteristics
Hospital
room and
board
Inpatient
surgery
Outpatient
surgery
Physician
office visit
Worker characteristics
All workers ...............................................................
97
93
93
100
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
97
97
97
95
97
97
97
99
100
98
98
98
93
93
93
94
92
96
90
93
91
94
93
96
93
93
93
94
92
96
90
93
91
94
93
96
100
100
99
99
100
100
100
100
100
100
100
100
Full time ...................................................................
Part time ..................................................................
97
99
93
98
93
97
100
99
Union .......................................................................
Nonunion .................................................................
99
97
97
93
96
92
98
100
Average wage within the following categories2:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
97
98
97
98
93
92
94
94
93
92
93
94
100
100
100
99
Goods-producing industries .....................................
Manufacturing ......................................................
96
96
90
90
90
90
100
100
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
97
99
99
98
98
99
99
99
97
100
100
96
94
95
96
89
86
81
96
96
95
96
94
94
94
95
96
89
86
81
96
96
94
99
98
93
100
100
100
100
100
100
99
100
99
100
100
99
Establishment characteristics
See footnotes at end of table.
Table 18. Fee-for-service plans: Coverage for selected services,1 private industry
workers, 2015—continued
(All workers participating in fee-for-service plans = 100 percent)
Characteristics
Hospital
room and
board
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Inpatient
surgery
Outpatient
surgery
Physician
office visit
98
99
96
97
96
92
90
94
95
93
92
90
94
95
91
100
100
99
99
99
98
98
98
98
99
97
99
95
94
97
97
97
97
94
96
93
94
95
92
93
92
91
94
93
95
92
92
96
91
94
95
92
93
92
91
94
93
95
91
99
100
99
100
100
100
100
100
100
100
99
100
99
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 The remaining workers include both workers not receiving the benefit and workers for whom the availability of the benefit
could not be determined.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include
workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated using
data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 18. Standard errors for fee-for-service plans: Coverage for selected
services,1 private industry workers, 2015
Characteristics
Hospital
room and
board
Inpatient
surgery
Outpatient
surgery
Physician
office visit
Worker characteristics
All workers ...............................................................
0.5
0.7
0.7
0.1
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
0.5
0.8
0.7
2.0
0.7
1.2
0.9
0.6
0.1
1.2
1.4
1.1
1.1
1.1
1.7
2.1
1.1
1.6
1.5
1.5
2.6
1.4
2.1
1.9
1.1
1.1
1.6
2.1
1.1
1.6
1.5
1.5
2.6
1.4
2.1
1.9
0.2
0.3
0.3
0.3
0.1
0.2
0.1
0.1
0.2
(2)
(2)
(2)
Full time ...................................................................
Part time ..................................................................
0.5
0.5
0.7
0.7
0.7
0.8
0.1
0.5
Union .......................................................................
Nonunion .................................................................
0.9
0.5
1.2
0.8
1.4
0.8
0.6
0.1
Average wage within the following categories3:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
1.0
0.5
0.5
0.8
1.1
1.2
0.9
1.4
1.1
1.2
0.9
1.4
0.1
0.1
0.2
0.4
Goods-producing industries .....................................
Manufacturing ......................................................
1.2
1.4
1.4
1.6
1.4
1.6
0.2
0.3
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0.6
0.4
0.5
0.6
0.8
0.4
0.5
0.8
1.5
(2)
(2)
1.8
0.8
1.1
0.8
1.7
1.9
3.5
1.7
2.0
1.0
2.0
3.5
1.1
0.8
1.1
0.8
1.7
1.9
3.5
1.7
1.7
1.4
0.8
1.3
1.6
0.1
(2)
(2)
0.4
0.5
(2)
1.2
(2)
0.5
(2)
(2)
0.6
Establishment characteristics
See footnotes at end of table.
Table 18. Standard errors for fee-for-service plans: Coverage for selected
services,1 private industry workers, 2015—continued
Characteristics
Hospital
room and
board
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Inpatient
surgery
Outpatient
surgery
Physician
office visit
0.5
0.4
0.7
0.9
0.8
1.2
2.4
0.7
1.1
1.3
1.2
2.4
0.8
1.1
1.5
(2)
(2)
0.2
0.3
0.3
0.6
1.3
0.5
0.6
0.7
3.0
0.3
1.6
2.3
1.5
0.8
2.0
0.6
1.5
1.5
1.9
1.2
1.4
3.7
2.1
1.1
1.4
1.6
1.7
2.3
2.3
1.6
1.5
2.0
1.2
1.4
3.7
2.1
1.1
1.4
1.6
1.7
2.3
2.3
0.4
(2)
0.5
0.1
0.1
0.2
0.1
(2)
(2)
(2)
0.4
(2)
0.6
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 The remaining workers include both workers not receiving the benefit and workers for whom the availability of the benefit
could not be determined.
2 Less than 0.05.
3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include
workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated using
data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 19. Fee-for-service plans: Type and amount of annual individual deductible, private industry workers, 2015
(All workers participating in fee-for-service plans = 100 percent)
With deductible
With fixed deductible
Characteristics
Total with
deductible
With variable deductible
Median deductible amount
Total with
fixed
deductible
Median
deductible
amount
Total with
variable
deductible
In-network
Out-ofnetwork
Other
deductible2
Most
generous
coverage1
With no
deductible
Not
determinable
Worker characteristics
All workers ...............................................................
93
–
–
65
$1,250
$2,400
–
–
7
–
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 ....................
95
95
94
91
96
96
96
90
95
89
93
85
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
65
64
67
60
73
74
72
65
77
59
64
52
1,000
1,200
1,000
–
1,500
1,750
1,500
1,000
–
1,300
1,400
1,000
2,000
2,000
2,000
–
3,000
3,500
3,000
2,000
–
2,600
3,000
–
–
$1,300
–
–
–
–
–
1,000
–
1,300
1,300
–
–
–
–
–
–
–
–
–
–
–
–
–
5
5
6
9
4
–
4
–
–
11
7
15
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
94
89
–
–
–
–
65
69
1,250
1,750
2,400
3,000
–
–
–
–
6
–
–
–
Union .......................................................................
Nonunion .................................................................
84
95
–
–
–
–
50
68
1,000
1,300
1,300
2,500
1,000
–
–
–
16
5
–
–
Average wage within the following categories3:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
92
93
94
94
–
–
–
–
–
–
–
–
66
66
65
62
1,500
1,200
1,000
1,000
3,000
2,400
2,000
2,000
–
1,200
1,000
–
–
–
–
–
8
7
6
6
–
–
–
–
Goods-producing industries .....................................
Manufacturing ......................................................
92
94
–
–
–
–
62
62
1,000
1,300
2,250
2,500
–
–
–
–
–
6
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
94
94
98
98
98
98
97
93
92
93
88
92
–
–
–
–
–
–
–
–
–
40
23
–
–
–
–
–
–
–
–
–
–
–
–
–
66
72
78
71
66
75
58
68
59
53
66
60
1,250
1,500
1,750
1,500
1,500
1,500
1,500
1,500
1,000
–
–
1,000
2,400
3,000
3,500
2,500
2,500
2,500
2,250
3,000
2,000
1,000
1,000
2,400
–
–
–
–
1,500
1,500
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
6
6
–
2
2
–
–
–
8
7
12
8
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 19. Fee-for-service plans: Type and amount of annual individual deductible, private industry workers, 2015—continued
(All workers participating in fee-for-service plans = 100 percent)
With deductible
With fixed deductible
Characteristics
Total with
deductible
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
With variable deductible
Median deductible amount
Total with
fixed
deductible
Median
deductible
amount
Total with
variable
deductible
In-network
Out-ofnetwork
Most
generous
coverage1
Other
deductible2
With no
deductible
Not
determinable
94
96
92
92
92
–
–
–
–
–
–
–
–
–
–
65
65
65
68
62
$1,500
1,250
1,150
1,500
1,000
$2,600
–
2,250
3,000
2,000
$2,750
–
–
1,500
–
–
–
–
–
–
6
–
8
8
8
–
–
–
–
–
92
93
92
94
95
92
93
94
94
93
93
93
93
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
61
65
60
67
69
64
66
71
75
63
59
70
53
1,000
1,000
1,000
1,500
1,500
1,500
1,500
1,500
1,500
1,250
1,000
–
1,000
2,000
–
2,000
3,000
2,500
3,000
3,000
3,000
3,000
2,500
2,000
–
2,000
–
–
1,000
–
–
–
–
1,300
1,300
1,500
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
8
–
8
6
5
8
–
6
6
7
7
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
3
Refers to deductible or coinsurance amounts for the most generous benefits received in Point-of-Service plans.
Deductible amount vary by additional factors such as employee length of service, salary range, or age of enrollee.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The categories were formed using
percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 19. Standard errors for fee-for-service plans: Type and amount of annual individual deductible, private industry workers, 2015
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
deductible2
With no
deductible
Not
determinable
Most generous
coverage1
Worker characteristics
All workers ...............................................................
0.8
–
–
1.3
$108
$205
–
–
0.8
–
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 ....................
0.8
1.0
1.3
2.6
0.9
2.2
0.7
3.4
2.2
2.2
2.0
3.8
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2.3
3.1
2.9
3.3
1.8
3.0
2.0
3.6
3.3
2.5
2.5
4.1
150
246
114
–
65
175
0
174
–
330
226
208
281
270
285
–
91
187
279
297
–
499
509
–
–
$221
–
–
–
–
–
0
–
0
0
–
–
–
–
–
–
–
–
–
–
–
–
–
0.8
1.0
1.3
2.6
0.9
–
0.7
–
–
2.2
2.0
3.8
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
0.8
3.4
–
–
–
–
1.4
3.8
156
121
206
878
–
–
–
–
0.8
–
–
–
Union .......................................................................
Nonunion .................................................................
2.5
0.8
–
–
–
–
3.6
1.4
266
208
312
226
300
–
–
–
2.5
0.8
–
–
Average wage within the following categories3:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
1.8
1.1
1.0
1.6
–
–
–
–
–
–
–
–
2.2
2.1
2.1
2.8
0
242
49
45
0
271
0
169
–
253
278
–
–
–
–
–
1.8
1.1
1.0
1.6
–
–
–
–
Goods-producing industries .....................................
Manufacturing ......................................................
2.4
1.5
–
–
–
–
2.2
2.3
240
360
433
401
–
–
–
–
–
1.5
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0.7
1.4
1.0
0.5
0.6
1.0
1.3
2.2
2.1
1.7
2.7
2.4
–
–
–
–
–
–
–
–
–
5.2
3.7
–
–
–
–
–
–
–
–
–
–
–
–
–
1.5
2.3
2.3
2.0
2.6
3.3
3.3
2.9
4.3
5.1
3.7
4.9
163
77
246
0
0
0
264
0
0
–
–
27
291
397
0
0
0
139
202
0
415
52
103
527
–
–
–
–
0
0
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.7
1.4
–
0.5
0.6
–
–
–
2.1
1.7
2.7
2.4
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 19. Standard errors for fee-for-service plans: Type and amount of annual individual deductible, private industry workers, 2015—continued
With deductible
With fixed deductible
Characteristics
Total with
deductible
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Total with
fixed
deductible
With variable deductible
Median
deductible
amount
Total with
variable
deductible
Median deductible amount
In-network
Out-ofnetwork
Other
deductible2
With no
deductible
Not
determinable
Most generous
coverage1
1.3
1.7
0.8
1.1
1.4
–
–
–
–
–
–
–
–
–
–
2.4
4.9
1.3
2.3
2.1
$87
350
215
171
0
$471
–
236
321
235
$658
–
–
268
–
–
–
–
–
–
1.3
–
0.8
1.1
1.4
–
–
–
–
–
1.8
5.2
1.9
1.6
1.1
2.0
4.2
0.7
0.8
1.2
1.9
3.5
2.2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2.7
6.6
3.0
2.1
3.5
4.1
3.2
2.0
2.1
3.8
3.5
6.5
3.8
18
117
95
149
163
276
381
84
9
355
0
–
0
202
–
79
325
375
707
364
357
183
745
0
–
594
–
–
0
–
–
–
–
150
223
184
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.8
–
1.9
1.6
1.1
2.0
–
0.7
0.8
1.2
1.9
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
3
Refers to deductible or coinsurance amounts for the most generous benefits received in Point-of-Service plans.
Deductible amount vary by additional factors such as employee length of service, salary range, or age of enrollee.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The categories were formed using
percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 20. Fee-for-service plans: Type and amount of annual family deductible, private industry workers, 2015
(All workers participating in fee-for-service plans = 100 percent)
With deductible
With fixed deductible
Characteristics
Total with
deductible
With variable deductible
Median deductible amount
Total with
fixed
deductible
Median
deductible
amount
Total with
variable
deductible
In-network
Out-ofnetwork
Most
generous
coverage1
Other
deductible2
With no
deductible
Not
determinable
Worker characteristics
All workers ...............................................................
93
–
–
65
$3,000
$5,800
–
–
7
–
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 ....................
95
95
94
91
96
95
97
90
94
87
93
81
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
65
64
66
59
73
73
72
65
77
57
64
48
2,600
2,600
2,600
–
3,200
4,000
3,000
2,400
3,000
3,000
3,000
–
5,000
4,800
5,000
–
6,000
7,600
6,000
4,000
4,500
6,000
6,000
4,500
–
$2,700
–
–
3,600
–
–
2,000
–
3,000
3,000
–
–
–
–
–
–
–
–
–
–
–
–
–
5
5
6
9
4
–
3
–
–
13
7
19
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
93
88
–
–
–
–
65
68
3,000
3,500
5,500
–
–
3,000
–
–
7
12
–
–
Union .......................................................................
Nonunion .................................................................
83
94
–
–
–
–
50
67
2,000
3,000
2,600
6,000
3,000
–
–
–
17
6
–
–
Average wage within the following categories3:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
91
93
93
94
–
–
–
–
–
–
–
–
65
65
64
62
3,000
3,000
2,500
2,800
6,000
6,000
4,800
5,000
–
2,600
–
–
–
–
–
–
9
7
7
6
–
–
–
–
Goods-producing industries .....................................
Manufacturing ......................................................
92
94
–
–
–
–
62
62
3,000
3,000
6,000
6,000
–
–
–
–
8
6
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
93
93
95
98
97
97
97
94
91
93
88
91
–
–
–
–
–
–
–
–
–
40
23
–
–
–
–
–
–
–
–
–
–
–
$2,000
–
66
71
76
71
65
74
58
69
58
53
65
59
3,000
3,000
3,500
3,000
3,000
3,000
3,000
3,600
2,100
1,500
1,800
2,300
5,000
6,000
7,000
5,000
5,000
5,000
5,000
7,000
5,000
2,500
3,000
5,000
–
–
–
–
2,600
2,600
–
–
–
2,000
2,000
–
–
–
–
–
–
–
–
–
–
–
–
–
7
7
–
2
3
–
–
–
9
7
12
9
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 20. Fee-for-service plans: Type and amount of annual family deductible, private industry workers, 2015—continued
(All workers participating in fee-for-service plans = 100 percent)
With deductible
With fixed deductible
Characteristics
Total with
deductible
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
With variable deductible
Median deductible amount
Total with
fixed
deductible
Median
deductible
amount
Total with
variable
deductible
In-network
Out-ofnetwork
Most
generous
coverage1
Other
deductible2
With no
deductible
Not
determinable
94
95
92
92
92
–
–
–
–
–
–
–
–
–
–
65
64
65
67
62
$3,000
2,500
3,000
3,000
2,250
$6,000
5,500
5,000
6,000
4,000
$4,500
–
–
3,000
1,500
–
–
–
–
–
6
–
8
8
8
–
–
–
–
–
92
93
91
93
94
91
93
93
93
93
92
92
92
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
61
65
60
66
68
63
66
71
74
63
58
69
52
2,600
–
3,000
3,000
3,000
3,000
3,000
3,000
3,000
3,000
2,000
–
2,250
4,800
–
5,000
6,000
5,000
7,000
6,750
6,000
6,000
6,000
4,000
–
–
–
–
3,000
–
–
4,000
–
3,000
3,000
3,000
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
8
–
9
7
6
9
–
7
7
7
8
–
8
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
3
Refers to deductible or coinsurance amounts for the most generous benefits received in Point-of-Service plans.
Deductible amount vary by additional factors such as employee length of service, salary range, or age of enrollee.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The categories were formed
using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 20. Standard errors for fee-for-service plans: Type and amount of annual family deductible, private industry workers, 2015
With deductible
With fixed deductible
Characteristics
Total with
deductible
With variable deductible
Median deductible amount
Total with
fixed
deductible
Median
deductible
amount
Total with
variable
deductible
In-network
Most
generous
coverage1
Out-ofnetwork
Other
deductible2
With no
deductible
Not
determinable
Worker characteristics
All workers ...............................................................
0.8
–
–
1.4
$0
$767
–
–
0.8
–
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 ....................
0.9
1.0
1.3
2.6
0.9
2.2
0.6
3.4
2.2
2.5
2.0
4.6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2.3
3.1
2.9
3.2
1.8
3.0
2.0
3.6
3.3
3.0
2.5
5.4
469
483
536
–
457
383
0
686
699
84
0
–
97
277
373
–
776
1,054
0
509
1,244
0
91
1,236
–
$444
–
–
861
–
–
0
–
0
0
–
–
–
–
–
–
–
–
–
–
–
–
–
0.9
1.0
1.3
2.6
0.9
–
0.6
–
–
2.5
2.0
4.6
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
0.8
3.7
–
–
–
–
1.4
3.8
120
180
805
–
–
826
–
–
0.8
3.7
–
–
Union .......................................................................
Nonunion .................................................................
2.7
0.8
–
–
–
–
3.6
1.5
353
0
603
290
0
–
–
–
2.7
0.8
–
–
Average wage within the following categories3:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
1.9
1.1
1.0
1.6
–
–
–
–
–
–
–
–
2.3
2.1
2.1
2.8
0
266
289
440
474
876
651
329
–
602
–
–
–
–
–
–
1.9
1.1
1.0
1.6
–
–
–
–
Goods-producing industries .....................................
Manufacturing ......................................................
2.4
1.5
–
–
–
–
2.2
2.3
0
0
0
0
–
–
–
–
2.4
1.5
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0.8
1.7
1.7
0.7
0.8
1.4
1.3
2.2
2.1
1.7
2.7
2.4
–
–
–
–
–
–
–
–
–
5.2
3.7
–
–
–
–
–
–
–
–
–
–
–
$595
–
1.6
2.7
2.8
2.0
2.7
3.6
3.3
3.0
4.4
5.1
3.7
5.0
239
165
659
0
0
0
206
562
446
391
432
630
519
1,001
0
0
0
406
302
535
467
657
680
837
–
–
–
–
32
0
–
–
–
308
308
–
–
–
–
–
–
–
–
–
–
–
–
–
0.8
1.7
–
0.7
0.8
–
–
–
2.1
1.7
2.7
2.4
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 20. Standard errors for fee-for-service plans: Type and amount of annual family deductible, private industry workers, 2015—continued
With deductible
With fixed deductible
Characteristics
Total with
deductible
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
With variable deductible
Median deductible amount
Total with
fixed
deductible
Median
deductible
amount
Total with
variable
deductible
In-network
Out-ofnetwork
Most
generous
coverage1
Other
deductible2
With no
deductible
Not
determinable
1.4
1.5
0.8
1.1
1.5
–
–
–
–
–
–
–
–
–
–
2.5
4.8
1.4
2.3
2.2
$0
683
391
0
336
$574
760
1,116
73
888
$944
–
–
504
403
–
–
–
–
–
1.4
–
0.8
1.1
1.5
–
–
–
–
–
1.8
5.2
1.8
1.7
1.7
2.1
4.2
0.5
0.6
0.9
2.0
3.8
2.3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2.7
6.6
3.0
2.2
3.9
3.6
3.2
2.2
2.4
3.8
3.8
6.5
4.5
531
–
583
91
226
664
321
0
0
126
537
–
391
1,093
–
876
540
513
137
986
0
0
597
1,062
–
–
–
–
0
–
–
500
–
0
0
283
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.8
–
1.8
1.7
1.7
2.1
–
0.5
0.6
0.9
2.0
–
2.3
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
3
Refers to deductible or coinsurance amounts for the most generous benefits received in Point-of-Service plans.
Deductible amount vary by additional factors such as employee length of service, salary range, or age of enrollee.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The categories were formed using
percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 21. Fee-for-service plans: Amount of annual individual deductible, private industry workers, 2015
(All workers participating in fee-for-service plans = 100 percent)
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
Worker characteristics
All workers ...............................................................
93
$250
$500
$1,100
$2,000
$2,750
7
–
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 ....................
95
95
94
91
96
96
96
90
95
89
93
85
300
300
250
200
350
400
300
200
–
250
300
250
500
500
500
–
750
750
500
300
500
500
500
–
1,000
1,200
1,000
–
1,500
1,750
1,500
–
–
1,000
1,300
1,000
1,800
1,850
1,750
1,800
2,500
2,750
2,000
1,500
2,000
2,000
2,000
2,000
2,500
2,500
2,500
3,000
3,000
–
2,750
3,000
3,000
–
5,000
3,000
5
5
6
9
4
–
4
–
–
11
7
15
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
94
89
250
300
500
600
1,100
1,550
2,000
2,500
2,850
2,750
6
–
–
–
Union .......................................................................
Nonunion .................................................................
84
95
200
300
250
500
500
1,300
–
2,000
2,000
3,000
16
5
–
–
Average wage within the following categories1:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
92
93
94
94
250
250
250
250
500
500
500
500
1,500
1,000
1,000
1,000
2,000
2,000
1,650
1,550
3,000
3,000
2,500
2,500
8
7
6
6
–
–
–
–
Goods-producing industries .....................................
Manufacturing ......................................................
92
94
250
300
500
500
1,000
1,000
2,000
2,000
3,000
3,500
–
6
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
94
94
98
98
98
98
97
93
92
93
88
92
250
250
–
450
500
500
450
300
300
250
250
300
500
500
750
750
750
1,000
750
750
500
300
300
500
1,250
1,450
1,750
1,500
1,500
1,500
1,300
1,500
1,000
–
–
1,000
2,000
2,500
2,750
2,000
2,000
2,000
2,000
2,000
1,750
1,500
–
1,750
2,750
3,000
3,000
2,700
2,650
2,700
2,700
2,500
2,500
2,000
2,500
2,500
6
6
–
2
2
–
–
–
8
7
12
8
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 21. Fee-for-service plans: Amount of annual individual deductible, private industry workers, 2015—continued
(All workers participating in fee-for-service plans = 100 percent)
Amount of annual deductible
Characteristics
With
deductible
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
94
96
92
92
92
$300
250
250
250
250
$500
500
500
500
400
$1,250
1,000
1,000
1,300
1,000
$2,000
2,000
1,900
2,000
1,500
$3,000
4,000
2,750
3,000
2,000
6
–
8
8
8
–
–
–
–
–
92
93
92
94
95
92
93
94
94
93
93
93
93
250
–
250
250
250
500
250
300
300
350
250
200
250
500
500
500
500
500
750
500
500
600
500
300
–
300
1,150
–
1,250
1,250
1,250
1,100
1,300
1,300
1,500
–
1,000
1,000
1,000
1,800
1,500
2,000
2,250
2,500
–
2,000
2,000
2,000
2,000
1,500
1,500
1,500
2,500
2,500
–
3,000
3,500
3,000
3,000
2,750
2,750
2,500
2,500
2,500
2,500
8
–
8
6
5
8
–
6
6
7
7
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 21. Standard errors for fee-for-service plans: Amount of annual individual deductible, private industry workers, 2015
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
Worker characteristics
All workers ...............................................................
0.8
$0
$0
$130
$0
$229
0.8
–
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 ....................
0.8
1.0
1.3
2.6
0.9
2.2
0.7
3.4
2.2
2.2
2.0
3.8
62
47
63
58
64
87
30
55
–
16
34
54
0
0
0
–
118
164
122
64
47
0
0
–
55
190
36
–
0
307
179
–
–
163
309
149
143
174
221
260
421
0
0
243
204
0
463
0
0
61
168
293
66
–
49
164
848
–
1,012
223
0.8
1.0
1.3
2.6
0.9
–
0.7
–
–
2.2
2.0
3.8
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
0.8
3.4
0
54
0
151
139
253
0
267
220
0
0.8
–
–
–
Union .......................................................................
Nonunion .................................................................
2.5
0.8
22
10
12
18
28
76
–
0
258
248
2.5
0.8
–
–
Average wage within the following categories1:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
1.8
1.1
1.0
1.6
29
22
0
0
0
0
26
66
111
18
0
52
271
0
205
221
0
226
0
73
1.8
1.1
1.0
1.6
–
–
–
–
Goods-producing industries .....................................
Manufacturing ......................................................
2.4
1.5
13
24
61
0
0
174
442
295
534
961
–
1.5
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0.7
1.4
1.0
0.5
0.6
1.0
1.3
2.2
2.1
1.7
2.7
2.4
9
9
–
75
74
61
102
68
26
0
26
0
0
0
201
163
102
292
103
202
0
48
34
47
118
296
0
52
0
0
296
63
0
–
–
0
0
332
0
0
0
65
65
0
222
403
–
231
0
0
220
265
143
351
114
237
163
491
0
105
0.7
1.4
–
0.5
0.6
–
–
–
2.1
1.7
2.7
2.4
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 21. Standard errors for fee-for-service plans: Amount of annual individual deductible, private industry workers,
2015—continued
Amount of annual deductible
Characteristics
With
deductible
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
1.3
1.7
0.8
1.1
1.4
$9
40
0
0
19
$9
18
0
0
103
$266
135
80
175
221
$46
258
182
61
0
$55
1,072
9
144
161
1.3
–
0.8
1.1
1.4
–
–
–
–
–
1.8
5.2
1.9
1.6
1.1
2.0
4.2
0.7
0.8
1.2
1.9
3.5
2.2
31
–
31
61
13
86
20
61
54
69
0
30
0
0
13
0
0
0
0
0
85
158
0
38
–
33
202
–
254
111
90
277
264
161
262
–
52
0
203
306
398
272
467
115
–
209
0
78
0
113
253
147
212
297
–
557
769
0
382
82
313
260
284
316
488
1.8
–
1.9
1.6
1.1
2.0
–
0.7
0.8
1.2
1.9
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 22. Fee-for-service plans: Amount of annual family deductible, private industry workers, 2015
(All workers participating in fee-for-service plans = 100 percent)
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
Worker characteristics
All workers ...............................................................
93
$600
$1,000
$2,600
$4,000
$6,000
7
–
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 ....................
95
95
94
91
96
95
97
90
94
87
93
81
600
700
600
–
750
1,000
700
600
–
500
–
500
1,100
1,200
1,000
1,000
1,500
2,250
1,500
800
1,000
1,000
–
1,000
2,500
2,600
2,500
–
3,000
3,600
3,000
1,800
–
2,500
3,000
2,000
4,000
4,000
3,800
3,750
5,000
5,500
4,000
4,000
4,500
4,500
4,550
4,000
5,000
5,000
5,000
7,000
6,000
–
5,500
6,000
7,500
7,000
10,000
5,500
5
5
6
9
4
–
3
–
–
13
7
19
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
93
88
600
700
1,000
1,400
2,600
3,500
4,000
5,500
6,000
–
7
12
–
–
Union .......................................................................
Nonunion .................................................................
83
94
400
700
600
1,200
1,000
3,000
3,000
4,000
4,500
6,000
17
6
–
–
Average wage within the following categories1:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
91
93
93
94
600
600
600
–
1,200
1,000
1,000
1,000
3,000
2,500
2,500
2,600
4,500
4,000
3,750
3,600
6,000
6,000
5,000
5,000
9
7
7
6
–
–
–
–
Goods-producing industries .....................................
Manufacturing ......................................................
92
94
600
600
1,000
1,000
2,600
3,000
4,000
4,000
7,000
7,000
8
6
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
93
93
95
98
97
97
97
94
91
93
88
91
600
600
–
1,000
1,000
1,000
1,000
750
700
500
500
800
–
1,000
2,000
1,800
1,600
2,000
1,800
1,500
–
750
750
–
2,900
2,600
3,500
3,000
3,000
3,000
3,000
3,000
2,000
–
1,800
–
4,000
5,250
5,500
4,000
4,000
4,000
4,000
4,500
3,500
3,000
3,000
3,600
5,500
6,000
6,000
5,300
5,300
5,450
5,450
–
5,000
5,000
5,000
5,000
7
7
–
2
3
–
–
–
9
7
12
9
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 22. Fee-for-service plans: Amount of annual family deductible, private industry workers, 2015—continued
(All workers participating in fee-for-service plans = 100 percent)
Amount of annual deductible
Characteristics
With
deductible
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
94
95
92
92
92
$700
600
–
600
500
–
–
$1,000
–
1,000
$3,000
2,500
2,500
3,000
2,000
$4,500
4,500
4,000
4,500
3,000
$6,000
8,000
5,500
6,000
4,500
6
–
8
8
8
–
–
–
–
–
92
93
91
93
94
91
93
93
93
93
92
92
92
500
–
500
600
600
1,000
–
750
750
–
500
500
500
1,000
–
1,000
1,200
1,100
1,650
–
1,400
1,500
–
750
900
750
3,000
2,500
3,000
3,000
2,800
3,000
3,000
3,000
3,000
–
2,000
2,000
2,000
4,000
–
4,000
4,500
5,000
4,500
4,500
4,500
4,500
4,000
3,000
3,000
3,000
5,000
5,000
5,000
7,000
7,500
7,000
6,000
5,500
6,000
5,000
5,400
5,500
5,000
8
–
9
7
6
9
–
7
7
7
8
–
8
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 22. Standard errors for fee-for-service plans: Amount of annual family deductible, private industry workers, 2015
Amount of annual deductible
Characteristics
With
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
Worker characteristics
All workers ...............................................................
0.8
$0
$90
$416
$0
$247
0.8
–
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 ....................
0.9
1.0
1.3
2.6
0.9
2.2
0.6
3.4
2.2
2.5
2.0
4.6
111
111
80
–
84
143
78
58
–
137
–
18
191
245
213
235
120
323
61
108
85
9
–
237
177
293
378
–
71
359
0
486
–
630
82
397
302
212
344
413
551
0
0
468
223
419
450
0
0
206
129
1,048
122
–
381
795
1,591
707
1,809
705
0.9
1.0
1.3
2.6
0.9
–
0.6
–
–
2.5
2.0
4.6
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
0.8
3.7
36
104
65
314
275
604
0
191
236
–
0.8
3.7
–
–
Union .......................................................................
Nonunion .................................................................
2.7
0.8
65
80
18
245
140
18
745
279
547
122
2.7
0.8
–
–
Average wage within the following categories1:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
1.9
1.1
1.0
1.6
26
86
42
–
282
193
0
18
0
251
299
239
260
0
265
268
705
231
0
91
1.9
1.1
1.0
1.6
–
–
–
–
Goods-producing industries .....................................
Manufacturing ......................................................
2.4
1.5
0
69
18
91
452
118
182
182
1,056
1,137
2.4
1.5
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0.8
1.7
1.7
0.7
0.8
1.4
1.3
2.2
2.1
1.7
2.7
2.4
49
117
–
0
0
0
125
147
147
26
0
214
–
107
313
277
302
389
364
419
–
51
13
–
404
570
158
0
0
0
445
379
547
–
393
–
0
489
0
261
36
685
157
677
236
516
886
341
465
0
447
338
282
521
246
–
223
1,183
1,239
226
0.8
1.7
–
0.7
0.8
–
–
–
2.1
1.7
2.7
2.4
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 22. Standard errors for fee-for-service plans: Amount of annual family deductible, private industry workers,
2015—continued
Amount of annual deductible
Characteristics
With
deductible
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
deductible
Not
determinable
1.4
1.5
0.8
1.1
1.5
$134
77
–
127
0
–
–
$0
–
134
$103
513
165
18
257
$303
524
176
358
52
$1,428
1,158
0
0
613
1.4
–
0.8
1.1
1.5
–
–
–
–
–
1.8
5.2
1.8
1.7
1.7
2.1
4.2
0.5
0.6
0.9
2.0
3.8
2.3
130
–
132
114
126
83
–
71
110
–
29
143
0
86
–
68
276
177
245
–
208
230
–
146
227
114
468
559
343
143
433
104
419
0
0
–
136
250
250
332
–
272
520
241
562
329
388
274
607
406
566
494
133
881
769
701
891
1,576
899
702
481
610
624
798
867
1.8
–
1.8
1.7
1.7
2.1
–
0.5
0.6
0.9
2.0
–
2.3
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 23. Fee-for-service plans: Coinsurance percentage, private industry workers, 2015
(All workers participating in fee-for-service plans with coinsurance = 100 percent)
Fixed coinsurance
Variable coinsurance
Median coinsurance percentage
Characteristics
Median
coinsurance
percentage
With fixed
coinsurance
With variable
coinsurance
In-network
Most
generous
coverage1
Out-ofnetwork
With other
coinsurance
Worker characteristics
All workers ...............................................................
–
–
88
80
60
90
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
–
–
–
–
–
9
–
13
–
11
7
16
–
–
–
–
–
80
–
80
–
80
80
80
89
87
91
83
89
91
88
87
89
89
93
84
80
80
80
80
80
80
80
80
80
80
80
80
60
60
60
60
60
60
60
60
60
60
60
60
90
90
90
90
80
75
80
90
90
80
80
90
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
–
–
–
–
88
90
80
80
60
60
90
90
–
–
Union .......................................................................
Nonunion .................................................................
–
–
–
–
87
88
80
80
60
60
90
90
–
–
Average wage within the following categories2:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
–
–
–
–
89
89
89
88
80
80
80
80
60
60
60
60
80
90
90
90
–
–
–
–
Goods-producing industries .....................................
Manufacturing ......................................................
9
8
80
80
91
92
80
80
60
60
80
80
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
–
11
10
10
9
–
12
13
–
–
9
–
–
80
80
80
80
–
80
80
–
–
90
–
87
89
90
90
91
94
88
87
85
86
91
85
80
80
80
80
80
80
80
80
80
80
90
80
60
60
50
60
60
60
60
60
60
60
70
60
90
90
–
75
80
75
80
–
90
90
90
90
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 23. Fee-for-service plans: Coinsurance percentage, private industry workers, 2015—continued
(All workers participating in fee-for-service plans with coinsurance = 100 percent)
Fixed coinsurance
Variable coinsurance
Median coinsurance percentage
Characteristics
With fixed
coinsurance
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Median
coinsurance
percentage
With variable
coinsurance
In-network
Most
generous
coverage1
Out-ofnetwork
With other
coinsurance
13
11
–
–
–
80
80
–
–
–
87
89
89
89
89
80
80
80
80
80
60
60
60
60
60
80
–
90
85
90
–
–
–
–
–
–
–
15
–
–
–
–
–
5
–
–
–
11
–
–
80
–
–
–
–
–
80
–
–
–
80
84
82
85
85
86
80
88
94
95
93
89
89
89
80
80
80
80
80
80
80
80
80
80
80
80
80
60
60
60
60
60
60
60
60
60
60
60
60
60
100
80
100
85
90
70
85
90
90
90
90
90
90
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
Refers to deductible or coinsurance amounts for the most generous benefits received in Point-of-Service plans.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March
2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 23. Standard errors for fee-for-service plans: Coinsurance percentage, private industry workers, 2015
Fixed coinsurance
Variable coinsurance
Median coinsurance percentage
Characteristics
Median
coinsurance
percentage
With fixed
coinsurance
With variable
coinsurance
In-network
Out-ofnetwork
Most
generous
coverage1
With other
coinsurance
Worker characteristics
All workers ...............................................................
–
–
1.0
0.0
0.0
0.9
–
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 ....................
–
–
–
–
–
2.0
–
2.9
–
1.7
1.0
3.4
–
–
–
–
–
0.0
–
0.0
–
0.0
0.0
3.8
1.5
2.7
1.6
3.1
1.6
2.0
1.9
2.9
3.5
1.7
1.0
3.4
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
3.0
0.0
9.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
8.9
0.0
0.0
6.3
19.2
6.3
0.0
0.0
0.0
0.0
0.0
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
–
–
–
–
1.0
2.1
0.0
0.0
0.0
0.0
0.9
12.9
–
–
Union .......................................................................
Nonunion .................................................................
–
–
–
–
2.8
1.0
5.2
0.0
0.0
0.0
0.0
2.0
–
–
Average wage within the following categories2:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
–
–
–
–
1.5
1.4
1.4
2.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
10.1
11.4
0.0
0.0
–
–
–
–
Goods-producing industries .....................................
Manufacturing ......................................................
1.2
1.1
0.0
0.0
1.2
1.1
0.0
0.0
0.0
0.0
0.0
0.0
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
–
1.9
2.1
2.1
1.5
–
2.5
2.3
–
–
2.5
–
–
0.0
0.0
0.0
0.0
–
0.0
0.0
–
–
6.8
–
1.2
1.9
2.1
2.1
1.5
2.0
2.5
2.3
2.2
4.9
2.5
2.5
0.0
0.0
0.0
0.0
0.0
0.0
3.3
0.0
0.0
6.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
6.3
0.0
0.0
15.3
–
1.6
6.1
2.0
15.0
–
0.0
0.0
0.0
0.0
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 23. Standard errors for fee-for-service plans: Coinsurance percentage, private industry workers,
2015—continued
Fixed coinsurance
Variable coinsurance
Median coinsurance percentage
Characteristics
With fixed
coinsurance
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Median
coinsurance
percentage
With variable
coinsurance
In-network
Out-ofnetwork
Most
generous
coverage1
With other
coinsurance
1.5
2.3
–
–
–
0.0
1.6
–
–
–
1.5
2.3
1.1
1.7
1.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
10.0
–
0.0
6.1
0.0
–
–
–
–
–
–
–
2.5
–
–
–
–
–
1.3
–
–
–
1.9
–
–
0.0
–
–
–
–
–
0.0
–
–
–
0.0
2.6
9.0
2.5
2.1
3.5
2.4
3.5
1.1
1.3
1.9
1.4
1.9
1.9
0.0
4.8
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
6.6
9.5
0.0
7.0
5.8
0.0
7.1
3.6
7.6
14.5
0.0
0.0
9.3
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1
2
Refers to deductible or coinsurance amounts for the most generous benefits received in Point-of-Service plans.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March
2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 24. Fee-for-service plans: Amount of annual individual out-of-pocket maximum,1 private industry workers, 2015
(All workers participating in fee-for-service plans = 100 percent)
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
Worker characteristics
All workers ...............................................................
95
$1,000
$1,500
$2,200
$3,000
$4,500
5
(2)
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
95
94
96
92
96
97
95
93
92
95
94
97
1,000
1,000
1,000
1,000
1,100
1,100
1,250
1,000
1,000
1,000
1,000
900
1,500
1,500
1,500
1,600
1,750
1,700
1,800
1,500
1,700
1,350
1,500
1,000
2,000
2,000
2,000
2,250
2,400
2,350
2,500
2,500
2,250
2,000
2,000
2,000
3,000
3,000
3,000
3,750
3,050
3,350
3,000
3,600
3,500
3,000
3,000
3,000
4,350
4,700
4,000
4,950
4,350
4,500
4,250
4,850
4,250
4,250
4,650
3,700
4
5
4
–
4
–
4
–
–
5
6
–
(2)
(2)
(2)
–
1
–
1
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
95
96
1,000
1,000
1,500
1,800
2,150
2,250
3,000
3,250
4,500
4,700
5
–
(2)
–
Union .......................................................................
Nonunion .................................................................
88
96
900
1,000
1,000
1,500
1,700
2,250
2,750
3,050
4,500
4,500
12
4
–
(2)
Average wage within the following categories3:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
96
95
95
94
1,000
1,000
1,000
1,000
1,500
1,500
1,500
1,500
2,300
2,200
2,000
2,000
3,350
3,000
3,000
3,000
4,750
4,350
4,350
4,500
4
5
5
6
1
(2)
2
( )
(2)
Goods-producing industries .....................................
Manufacturing ......................................................
96
96
1,000
1,000
1,500
1,500
2,000
2,000
3,050
3,000
4,850
4,200
4
4
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
95
97
97
94
94
95
93
96
92
99
98
91
1,000
1,000
1,400
1,000
1,000
1,000
1,000
1,350
1,000
1,000
–
1,000
1,500
1,500
2,000
1,500
1,500
1,500
1,500
1,750
1,500
1,000
1,000
1,750
2,250
2,250
2,500
2,000
2,000
2,000
2,000
2,200
2,500
1,500
1,600
2,500
3,000
3,250
3,350
3,000
2,500
2,500
2,500
3,050
3,500
2,400
2,300
3,900
4,500
4,250
4,250
3,750
3,500
4,000
3,500
4,350
4,600
3,000
3,000
4,700
5
3
–
4
5
–
7
–
8
–
–
9
(2)
–
–
2
1
–
1
–
1
–
–
1
Establishment characteristics
See footnotes at end of table.
Table 24. Fee-for-service plans: Amount of annual individual out-of-pocket maximum,1 private industry workers,
2015—continued
(All workers participating in fee-for-service plans = 100 percent)
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
10th percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
95
97
95
95
95
$1,000
1,000
1,000
1,000
1,000
$1,500
1,500
1,500
1,500
1,500
$2,400
2,250
2,000
2,250
2,000
$3,500
3,000
3,000
3,000
2,700
$4,700
4,250
4,200
4,250
4,200
5
–
5
5
5
(2)
–
(2)
2
( )
(2)
89
87
90
96
95
97
95
95
94
98
97
99
96
1,000
600
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,500
1,000
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,750
1,500
2,000
2,000
2,000
2,250
2,250
2,250
2,200
2,200
2,250
2,000
2,250
2,500
2,000
3,000
2,500
3,000
3,250
3,150
3,350
3,300
3,000
3,000
3,000
3,000
4,000
2,750
4,850
4,000
5,080
4,500
4,450
4,350
4,600
4,000
4,000
3,750
4,700
4,850
4,400
11
–
10
4
4
–
–
4
5
–
–
–
–
–
–
–
1
1
–
–
1
2
( )
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a participant or a family must pay after the deductible has been satisfied. Once reached, covered
expenses are fully reimbursed for the rest of the year.
2 Less than 0.5.
3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 24. Standard errors for fee-for-service plans: Amount of annual individual out-of-pocket maximum,1 private industry
workers, 2015
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
Worker characteristics
All workers ...............................................................
0.6
$0
$0
$159
$115
$79
0.6
0.1
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
0.8
1.3
0.8
2.5
0.9
1.5
1.1
2.1
3.1
1.1
1.8
1.2
0
0
0
250
183
194
106
9
104
71
0
73
0
0
13
218
66
194
91
114
278
183
51
111
0
18
52
327
165
139
227
230
404
9
0
412
9
334
0
451
237
146
0
464
234
122
131
280
213
285
351
296
101
167
136
253
130
399
398
526
0.8
1.3
0.8
–
0.8
–
0.8
–
–
1.1
1.8
–
0.1
0.2
0.1
–
0.4
–
0.5
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
0.6
1.7
0
173
0
376
191
0
65
87
96
315
0.6
–
0.2
–
Union .......................................................................
Nonunion .................................................................
2.6
0.5
132
88
0
64
353
9
433
172
649
93
2.6
0.5
–
0.2
Average wage within the following categories2:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
0.8
1.1
0.9
1.3
0
0
0
0
27
0
0
36
251
212
0
9
181
0
0
188
154
149
224
126
0.7
1.1
0.9
1.3
0.3
0.2
0.1
0.1
Goods-producing industries .....................................
Manufacturing ......................................................
0.9
1.2
0
0
0
70
0
0
402
341
350
272
0.9
1.2
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0.8
0.5
1.0
1.8
2.1
2.9
2.1
1.5
1.9
0.4
0.7
2.2
0
0
109
158
0
52
0
146
0
217
–
293
0
0
0
207
29
82
32
52
88
0
0
363
78
0
115
82
0
0
0
358
134
100
153
586
114
229
71
275
0
546
219
412
436
423
470
504
156
263
170
385
137
414
249
205
144
126
285
100
0.7
0.5
–
1.2
1.2
–
2.0
–
1.8
–
–
2.1
0.2
–
–
1.0
1.2
–
0.3
–
0.3
–
–
0.4
Establishment characteristics
See footnotes at end of table.
Table 24. Standard errors for fee-for-service plans: Amount of annual individual out-of-pocket maximum,1 private industry
workers, 2015—continued
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
10th percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
1.0
1.3
0.7
1.1
0.9
$0
0
0
55
0
$20
0
0
97
0
$193
225
106
0
0
$260
0
0
147
224
$71
384
166
259
241
0.9
–
0.7
1.0
0.9
0.2
–
0.2
0.3
0.2
2.0
3.9
2.2
1.0
1.2
1.6
2.1
1.0
1.3
1.2
1.3
0.7
2.1
0
93
0
0
0
0
209
0
0
0
59
227
0
0
32
0
0
76
0
245
0
144
64
46
164
0
0
0
102
126
139
56
376
228
141
216
250
449
93
90
252
218
194
236
211
433
0
95
151
223
522
361
416
252
291
108
205
197
279
29
310
181
55
124
387
2.0
–
2.2
0.9
0.9
–
–
0.8
1.2
–
–
–
–
–
–
–
0.3
0.6
–
–
0.4
0.3
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a participant or a family must pay after the deductible has been satisfied. Once reached, covered
expenses are fully reimbursed for the rest of the year.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 25. Fee-for-service plans: Amount of annual family out-of-pocket maximum,1 private industry workers, 2015
(All workers participating in fee-for-service plans = 100 percent)
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
Worker characteristics
All workers ...............................................................
92
$2,000
$3,000
$4,500
$6,500
$9,000
7
(2)
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
93
93
94
88
95
95
94
91
92
91
91
90
2,000
2,300
2,000
2,700
3,000
3,000
2,700
3,000
2,500
2,000
2,000
1,800
3,000
3,000
3,000
3,600
3,750
3,750
3,800
3,750
3,500
2,850
3,000
–
4,500
4,000
4,500
5,000
5,000
4,800
5,000
5,500
4,500
4,000
4,000
4,500
6,000
6,450
6,000
7,500
6,500
6,700
6,000
7,700
7,200
6,000
5,650
6,000
8,600
9,000
8,500
10,000
8,700
8,700
8,500
10,000
8,500
8,700
9,000
7,850
6
6
6
–
5
–
5
–
–
9
9
10
(2)
(2)
(2)
–
1
–
1
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
92
96
2,300
2,000
3,000
3,500
4,500
4,500
6,500
6,700
9,000
9,250
8
–
(2)
–
Union .......................................................................
Nonunion .................................................................
84
94
2,000
2,600
2,000
3,300
4,000
4,500
5,650
6,700
8,950
9,000
16
6
–
(2)
Average wage within the following categories3:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
92
93
92
91
2,400
2,000
2,000
2,200
3,000
3,000
3,000
3,000
5,000
4,500
4,000
4,000
6,900
6,100
6,000
6,250
9,900
8,900
8,500
8,700
7
6
8
9
1
(2)
2
( )
(2)
Goods-producing industries .....................................
Manufacturing ......................................................
91
90
2,000
2,000
3,000
3,000
4,450
4,000
6,750
5,500
9,500
8,200
9
10
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
93
95
94
93
93
94
92
96
90
97
96
89
2,300
2,000
3,000
2,400
2,000
2,250
2,000
2,800
2,000
2,000
–
2,400
3,250
3,000
4,000
3,300
3,000
3,000
3,000
3,600
3,200
2,500
2,500
4,000
4,500
4,500
5,000
4,000
4,000
4,000
4,000
4,500
5,000
3,300
3,500
5,200
6,500
6,500
6,700
6,000
5,200
5,700
5,200
6,100
7,500
5,000
5,000
8,400
8,700
8,000
8,500
7,500
7,000
7,500
7,000
8,700
9,200
6,000
6,000
9,400
7
5
6
6
5
–
7
–
9
–
–
10
(2)
–
–
2
1
–
1
–
1
–
–
1
Establishment characteristics
See footnotes at end of table.
Table 25. Fee-for-service plans: Amount of annual family out-of-pocket maximum,1 private industry workers,
2015—continued
(All workers participating in fee-for-service plans = 100 percent)
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
93
93
92
92
92
$2,400
2,400
2,000
2,400
2,000
$3,200
3,000
3,000
3,000
3,000
$5,000
4,950
4,500
4,500
–
$7,500
6,000
6,000
6,000
6,000
$9,400
8,200
8,200
8,200
8,350
7
–
8
7
8
(2)
–
(2)
2
( )
(2)
88
86
88
93
93
93
93
94
93
96
93
95
92
2,000
1,200
2,400
2,000
2,000
3,000
2,500
2,000
2,000
2,000
2,500
3,000
2,400
3,000
3,000
3,000
3,400
3,300
3,000
3,750
3,000
3,000
3,000
3,250
4,000
3,000
4,500
4,000
4,500
4,500
4,500
4,500
5,000
4,500
4,500
4,000
5,000
6,000
4,500
6,000
5,600
6,000
6,700
6,500
7,000
6,700
6,000
6,300
6,000
7,000
7,850
6,700
9,750
7,500
10,000
9,000
8,900
8,700
9,200
8,200
8,400
7,500
9,400
9,900
8,700
12
14
12
7
6
–
–
5
7
–
–
–
–
–
–
–
1
1
–
–
1
2
( )
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a participant or a family must pay after the deductible has been satisfied. Once reached, covered
expenses are fully reimbursed for the rest of the year.
2 Less than 0.5.
3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 25. Standard errors for fee-for-service plans: Amount of annual family out-of-pocket maximum,1 private industry
workers, 2015
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
Worker characteristics
All workers ...............................................................
0.7
$367
$112
$41
$196
$182
0.7
0.1
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1.1
1.1
1.7
3.2
0.8
1.5
0.9
2.3
3.1
1.9
2.4
2.7
464
402
407
222
255
52
184
427
669
155
209
167
18
0
90
568
128
417
147
383
182
274
87
–
469
407
290
253
91
326
0
251
566
290
36
273
336
684
158
320
191
265
294
440
280
283
503
316
315
524
598
1,965
314
372
402
808
528
622
717
1,010
1.1
1.0
1.6
–
0.7
–
0.7
–
–
1.9
2.4
2.7
0.1
0.2
0.1
–
0.4
–
0.5
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
0.8
1.1
359
0
82
715
68
0
258
482
260
347
0.7
–
0.2
–
Union .......................................................................
Nonunion .................................................................
3.1
0.8
226
178
195
141
91
330
179
238
1,363
175
3.1
0.8
–
0.2
Average wage within the following categories2:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
1.2
1.2
1.2
1.7
359
130
3
403
354
205
0
0
240
82
294
184
303
428
284
612
485
316
334
539
1.1
1.2
1.2
1.7
0.3
0.2
0.1
0.1
Goods-producing industries .....................................
Manufacturing ......................................................
1.7
2.5
168
0
0
0
453
0
469
450
893
526
1.7
2.5
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0.8
1.1
1.8
2.0
2.2
3.1
2.1
1.5
2.3
1.0
1.5
2.7
419
135
210
358
339
347
304
236
513
0
–
572
209
222
0
176
66
122
181
182
372
389
518
503
102
0
244
52
0
137
52
420
32
242
400
1,029
249
271
141
0
398
813
525
1,161
914
154
241
962
416
460
356
658
235
858
379
378
195
82
983
336
0.7
1.1
1.8
1.4
1.3
–
2.0
–
2.2
–
–
2.5
0.2
–
–
1.0
1.2
–
0.3
–
0.3
–
–
0.4
Establishment characteristics
See footnotes at end of table.
Table 25. Standard errors for fee-for-service plans: Amount of annual family out-of-pocket maximum,1 private industry
workers, 2015—continued
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
1.1
2.0
1.1
1.3
1.8
$241
367
167
536
0
$234
109
58
268
26
$63
418
0
192
–
$230
188
32
284
491
$253
909
309
420
376
1.1
–
1.0
1.3
1.8
0.2
–
0.2
0.3
0.2
2.2
3.8
2.6
0.9
1.0
2.9
1.7
1.1
1.5
1.2
2.1
2.0
3.0
364
302
401
541
0
660
366
0
0
244
391
0
468
0
0
0
203
306
418
355
0
0
0
289
455
68
602
58
469
327
199
0
507
13
0
672
172
936
322
148
765
549
322
331
569
971
326
434
463
511
835
349
969
1,190
536
398
475
193
597
335
735
697
317
271
675
2.2
3.8
2.6
0.8
0.7
–
–
0.9
1.3
–
–
–
–
–
–
–
0.3
0.6
–
–
0.4
0.3
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a participant or a family must pay after the deductible has been satisfied. Once reached, covered
expenses are fully reimbursed for the rest of the year.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 26. Fee-for-service plans: Coverage for mental health
care,1 private industry workers, 2015
(All workers participating in fee-for-service plans = 100 percent)
Characteristics
Inpatient
Outpatient
mental health mental health
care
care
Worker characteristics
All workers ...............................................................
80
80
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
84
81
84
–
–
82
80
85
82
81
84
83
83
82
80
85
Part time ..................................................................
88
89
Union .......................................................................
84
84
81
–
81
81
81
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities:
Finance and insurance:
Insurance carriers and related activities ....
Professional and business services .....................
Education and health services:
Educational services ......................................
Junior colleges, colleges, and universities ...
82
84
82
81
85
82
82
89
–
89
88
91
82
89
1 to 99 workers ........................................................
82
81
82
83
81
84
83
81
82
80
84
82
81
82
85
81
81
82
83
81
Average wage within the following categories2:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent:
Highest 10 percent .........................................
Establishment characteristics
Geographic areas
Northeast .................................................................
Middle Atlantic .....................................................
South .......................................................................
East South Central ...............................................
West South Central ..............................................
Midwest:
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 The remaining workers include both workers not receiving the benefit and workers for
whom the availability of the benefit could not be determined.
2 Surveyed occupations are classified into wage categories based on the average wage for
the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
Note: For definitions of major plans, key provisions, and related terms, see the "Glossary of
Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 26. Standard errors for fee-for-service plans:
Coverage for mental health care,1 private industry workers,
2015
Inpatient
Outpatient
mental health mental health
care
care
Characteristics
Worker characteristics
All workers ...............................................................
1.2
1.3
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
2.8
1.6
2.1
–
–
2.7
3.5
3.5
2.9
1.6
2.1
2.1
3.3
2.7
3.5
3.5
Part time ..................................................................
1.9
1.9
Union .......................................................................
4.3
4.4
1.9
–
1.8
1.5
2.7
–
1.3
1.4
2.0
1.4
1.4
2.0
3.7
3.2
–
3.2
5.0
3.0
3.5
3.0
1.4
1.4
2.5
2.9
1.9
5.4
2.6
2.5
2.7
2.0
5.4
2.6
3.4
2.3
3.4
3.0
3.3
2.4
3.5
3.1
categories2:
Average wage within the following
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent:
Highest 10 percent .........................................
Establishment characteristics
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities:
Finance and insurance:
Insurance carriers and related activities ....
Professional and business services .....................
Education and health services:
Educational services ......................................
Junior colleges, colleges, and universities ...
1 to 99 workers ........................................................
Geographic areas
Northeast .................................................................
Middle Atlantic .....................................................
South .......................................................................
East South Central ...............................................
West South Central ..............................................
Midwest:
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 The remaining workers include both workers not receiving the benefit and workers for
whom the availability of the benefit could not be determined.
2 Surveyed occupations are classified into wage categories based on the average wage for
the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
Note: For definitions of major plans, key provisions, and related terms, see the "Glossary of
Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 27. Health maintenance organizations: Summary of selected features, private industry workers, 2015
(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
Worker characteristics
All workers ...............................................................
57
43
–
33
67
–
92
8
–
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 ....................
55
57
53
54
55
39
61
60
51
70
78
59
45
43
47
46
45
61
39
40
49
30
22
41
–
–
–
–
–
–
–
–
–
–
–
–
38
40
37
–
27
–
28
24
16
37
44
–
62
60
63
72
73
–
72
76
84
63
56
73
–
–
–
–
–
–
–
–
–
–
–
–
91
91
92
88
88
87
88
98
97
98
98
97
9
9
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
58
38
42
62
–
–
33
34
67
66
–
–
92
91
8
–
–
–
Union .......................................................................
Nonunion .................................................................
68
56
32
44
–
–
23
34
77
66
–
–
87
92
–
8
–
–
Average wage within the following categories1:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
59
63
54
40
41
37
46
60
–
–
–
–
33
31
36
27
67
69
64
73
–
–
–
–
94
91
90
91
–
9
10
9
–
–
–
–
Goods-producing industries .....................................
Manufacturing ......................................................
69
72
31
28
–
–
41
46
59
54
–
–
–
98
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
54
44
–
69
72
78
67
63
49
46
51
50
46
56
–
31
28
–
33
37
51
54
49
50
–
–
–
–
–
–
–
–
–
–
–
–
31
23
–
40
42
48
37
–
28
30
24
27
69
77
–
60
58
52
63
60
72
70
76
73
–
–
–
–
–
–
–
–
–
–
–
–
91
89
86
91
91
94
88
99
82
88
80
81
9
–
–
–
–
–
–
–
18
12
20
19
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 27. Health maintenance organizations: Summary of selected features, private industry workers, 2015—continued
(All workers participating in health maintenance organizations = 100 percent)
Annual deductible
Characteristics
Yes
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
58
54
56
61
48
42
46
44
39
52
–
–
–
–
–
36
40
30
35
19
64
60
70
65
81
–
–
–
–
–
93
98
90
92
85
–
–
10
8
–
–
–
–
–
–
70
76
67
66
63
82
70
72
80
–
39
–
39
30
–
33
34
37
–
–
28
–
74
61
–
61
–
–
–
–
–
–
–
–
–
–
–
–
–
18
16
19
30
–
–
–
40
44
–
40
64
34
82
84
81
70
71
–
72
60
56
82
60
36
66
–
–
–
–
–
–
–
–
–
–
–
–
–
85
97
79
91
87
–
97
93
96
69
95
98
95
15
–
21
–
–
–
–
–
–
–
5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 27. Standard errors for health maintenance organizations: Summary of selected features, private industry workers, 2015
Annual deductible
Characteristics
Yes
Coinsurance
Not
determinable
No
Yes
Annual out-of-pocket maximum
Not
determinable
No
Yes
Not
determinable
No
Worker characteristics
All workers ...............................................................
2.6
2.6
–
2.9
2.9
–
1.5
1.5
–
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 ....................
4.4
7.4
5.7
10.1
4.1
9.4
5.5
7.9
11.7
5.2
5.9
10.0
4.4
7.4
5.7
10.1
4.1
9.4
5.5
7.9
11.7
5.2
5.9
10.0
–
–
–
–
–
–
–
–
–
–
–
–
5.2
7.9
6.1
–
3.9
–
4.1
5.7
4.7
6.8
8.7
–
5.2
7.9
6.1
8.9
3.9
–
4.1
5.7
4.7
6.8
8.7
10.8
–
–
–
–
–
–
–
–
–
–
–
–
2.1
2.6
3.1
4.7
3.9
9.5
3.8
1.0
1.7
1.4
2.0
1.6
2.1
2.6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
2.6
8.5
2.6
8.5
–
–
3.1
7.9
3.1
7.9
–
–
1.5
5.2
1.5
–
–
–
Union .......................................................................
Nonunion .................................................................
6.6
2.9
6.6
2.9
–
–
6.1
3.2
6.1
3.2
–
–
4.2
1.4
–
1.4
–
–
Average wage within the following categories1:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
4.7
4.8
4.2
4.8
4.7
4.8
4.2
4.8
–
–
–
–
4.1
4.1
5.2
5.3
4.1
4.1
5.2
5.3
–
–
–
–
2.5
2.0
2.1
2.7
–
2.0
2.1
2.7
–
–
–
–
Goods-producing industries .....................................
Manufacturing ......................................................
5.1
6.5
5.1
6.5
–
–
5.7
7.3
5.7
7.3
–
–
–
1.4
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
3.0
5.2
–
6.1
4.4
6.6
8.2
8.5
3.9
6.4
4.9
4.8
3.0
5.2
–
6.1
4.4
–
8.2
8.5
3.9
6.4
4.9
4.8
–
–
–
–
–
–
–
–
–
–
–
–
3.3
5.7
–
6.3
4.6
7.9
8.6
–
5.2
6.2
4.8
6.7
3.3
5.7
–
6.3
4.6
7.9
8.6
11.5
5.2
6.2
4.8
6.7
–
–
–
–
–
–
–
–
–
–
–
–
1.8
5.3
9.8
3.1
2.9
3.0
4.2
0.9
4.1
3.2
4.4
5.4
1.8
–
–
–
–
–
–
–
4.1
3.2
4.4
5.4
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 27. Standard errors for health maintenance organizations: Summary of selected features, private industry workers,
2015—continued
Annual deductible
Characteristics
Yes
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Coinsurance
Not
determinable
No
Yes
No
Annual out-of-pocket maximum
Not
determinable
Yes
Not
determinable
No
3.5
9.5
4.0
5.3
5.7
3.5
9.5
4.0
5.3
5.7
–
–
–
–
–
4.8
10.6
3.5
4.6
4.0
4.8
10.6
3.5
4.6
4.0
–
–
–
–
–
2.1
0.9
2.5
2.2
5.1
–
–
2.5
2.2
–
–
–
–
–
–
4.3
9.1
4.2
4.7
5.2
10.9
10.8
7.6
6.9
–
4.5
–
5.5
4.3
–
4.2
4.7
5.2
–
–
7.6
–
15.0
4.5
–
5.5
–
–
–
–
–
–
–
–
–
–
–
–
–
3.3
4.7
4.3
6.8
–
–
–
9.4
10.2
–
4.2
10.6
4.3
3.3
4.7
4.3
6.8
9.5
–
8.9
9.4
10.2
14.3
4.2
10.6
4.3
–
–
–
–
–
–
–
–
–
–
–
–
–
4.0
1.1
5.8
3.4
4.8
–
2.3
3.7
1.4
19.1
1.4
1.8
1.7
4.0
–
5.8
–
–
–
–
–
–
–
1.4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 28. Health maintenance organizations: Coverage for selected services,1
private industry workers, 2015
(All workers participating in health maintenance organizations = 100 percent)
Characteristics
Hospital
room and
board
Inpatient
surgery
Outpatient
surgery
Physician
office visit
Worker characteristics
All workers ...............................................................
96
92
95
100
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
95
91
98
96
93
87
95
100
99
100
100
100
91
91
91
92
89
83
91
97
95
96
100
91
93
91
94
96
93
92
93
99
98
98
100
96
100
100
100
100
100
100
100
100
100
100
100
100
Full time ...................................................................
Part time ..................................................................
96
100
91
96
94
99
100
100
Union .......................................................................
Nonunion .................................................................
95
96
90
92
95
94
100
100
Average wage within the following categories2:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
98
98
94
99
96
90
89
91
98
95
91
93
100
100
100
100
Goods-producing industries .....................................
Manufacturing ......................................................
93
90
90
89
92
90
100
100
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
97
94
88
96
98
100
99
100
94
99
98
92
92
91
91
97
96
100
99
89
92
100
100
89
95
100
100
97
96
100
99
89
94
100
100
92
100
100
100
100
100
100
100
100
100
100
100
100
Establishment characteristics
See footnotes at end of table.
Table 28. Health maintenance organizations: Coverage for selected services,1
private industry workers, 2015—continued
(All workers participating in health maintenance organizations = 100 percent)
Characteristics
Hospital
room and
board
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Inpatient
surgery
Outpatient
surgery
Physician
office visit
95
90
96
96
98
89
–
95
95
95
93
81
96
95
99
100
100
100
100
100
99
100
98
92
90
99
96
97
96
–
96
100
95
95
98
93
92
90
95
96
89
91
–
91
98
89
99
100
99
92
90
100
96
95
96
88
93
100
92
100
100
100
100
100
100
100
100
100
100
100
100
100
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 The remaining workers include both workers not receiving the benefit and workers for whom the availability of the benefit
could not be determined.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include
workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated using
data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 28. Standard errors for health maintenance organizations: Coverage for
selected services,1 private industry workers, 2015
Characteristics
Hospital
room and
board
Inpatient
surgery
Outpatient
surgery
Physician
office visit
Worker characteristics
All workers ...............................................................
1.5
2.2
2.0
(2)
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
3.1
6.2
1.1
2.5
3.3
9.6
2.9
0.3
0.5
(2)
(2)
(2)
3.8
6.2
4.2
4.4
3.6
8.5
3.7
1.9
3.6
2.3
(2)
5.8
3.7
6.2
3.9
2.5
3.2
7.9
3.4
1.0
1.9
1.8
(2)
4.3
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
Full time ...................................................................
Part time ..................................................................
1.6
0.1
2.2
3.7
2.1
1.0
(2)
(2)
Union .......................................................................
Nonunion .................................................................
3.3
1.7
5.6
2.3
3.3
2.2
(2)
(2)
Average wage within the following categories3:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
1.1
1.4
3.6
0.8
1.4
3.1
4.7
5.7
0.9
2.3
4.7
5.8
(2)
(2)
(2)
(2)
Goods-producing industries .....................................
Manufacturing ......................................................
6.0
7.8
6.0
7.9
6.0
7.8
(2)
(2)
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
1.1
4.0
8.9
2.2
1.2
(2)
0.6
(2)
2.8
0.3
0.6
3.7
2.2
4.2
4.4
2.2
2.7
(2)
0.6
7.5
3.2
(2)
(2)
4.3
1.9
0.1
0.2
2.2
2.7
(2)
0.6
7.5
2.8
(2)
(2)
3.7
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
Establishment characteristics
See footnotes at end of table.
Table 28. Standard errors for health maintenance organizations: Coverage for
selected services,1 private industry workers, 2015—continued
Characteristics
Hospital
room and
board
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Inpatient
surgery
Outpatient
surgery
Physician
office visit
2.8
8.9
1.5
1.9
1.0
3.8
–
1.8
2.0
2.7
3.6
10.3
1.5
2.0
1.0
(2)
(2)
(2)
(2)
(2)
0.8
(2)
1.2
3.2
4.5
1.4
3.5
2.5
3.0
–
3.1
2
( )
3.8
2.7
1.6
4.1
3.6
5.2
4.7
3.6
5.4
5.6
–
4.3
0.4
5.3
0.5
(2)
0.7
3.5
5.2
(2)
3.5
3.2
3.0
11.2
4.3
0.2
5.2
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 The remaining workers include both workers not receiving the benefit and workers for whom the availability of the benefit
could not be determined.
2 Less than 0.05.
3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include
workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated using
data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 29. Health maintenance organizations: Amount of annual individual out-of-pocket maximum,1 private industry
workers, 2015
(All workers participating in health maintenance organizations = 100 percent)
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
Worker characteristics
All workers ...............................................................
92
$1,500
$1,500
$2,500
$3,500
$5,350
8
–
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 ....................
91
91
92
88
88
87
88
98
97
98
98
97
1,500
1,400
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,000
1,000
–
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,900
1,500
2,500
2,500
2,300
2,250
2,500
2,500
2,500
2,000
2,000
2,500
2,500
3,000
3,500
3,500
3,500
–
3,350
2,500
4,000
3,000
–
3,500
–
3,500
4,850
4,850
4,850
4,850
5,350
3,350
5,350
4,500
5,350
5,850
5,850
–
9
9
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
92
91
1,500
1,500
1,500
1,500
2,500
–
3,500
–
4,850
5,350
8
–
–
–
Union .......................................................................
Nonunion .................................................................
87
92
1,500
1,500
–
1,500
2,500
2,500
3,000
3,500
6,250
4,850
–
8
–
–
Average wage within the following categories2:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
94
91
90
91
1,500
–
1,500
1,500
1,500
1,500
1,500
1,500
2,500
2,500
2,500
2,200
4,250
3,350
3,500
3,000
5,350
5,350
4,850
4,250
–
9
10
9
–
–
–
–
Establishment characteristics
Goods-producing industries:
Manufacturing ....................................................
98
–
–
2,600
3,500
5,850
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
91
89
86
91
91
94
88
99
82
88
80
81
1,500
1,500
1,500
1,000
1,000
1,000
–
1,500
1,500
1,000
1,000
1,500
1,500
1,500
–
1,500
1,500
–
–
2,000
1,500
1,500
–
1,500
2,350
2,500
2,500
2,000
2,200
2,500
1,500
2,500
2,000
2,000
1,500
2,350
3,500
3,500
3,000
3,000
3,500
4,000
–
–
4,250
3,000
2,000
5,350
5,350
–
–
4,000
–
5,350
3,000
4,850
5,350
3,500
3,000
6,250
9
–
–
–
–
–
–
–
18
12
20
19
–
–
–
–
–
–
–
–
–
–
–
–
See footnotes at end of table.
Table 29. Health maintenance organizations: Amount of annual individual out-of-pocket maximum,1 private industry
workers, 2015—continued
(All workers participating in health maintenance organizations = 100 percent)
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
93
98
90
92
85
$1,500
–
1,500
1,500
–
$1,500
1,500
1,700
2,000
1,500
$2,500
2,300
2,500
2,500
2,000
$4,250
2,600
3,000
3,350
3,000
$5,350
3,500
4,850
4,250
6,250
–
–
10
8
–
–
–
–
–
–
85
97
79
91
87
97
93
96
69
95
98
95
1,000
1,000
–
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
–
–
2,000
2,000
2,000
–
1,700
1,900
1,500
1,500
–
1,500
2,500
2,000
3,000
2,500
2,500
3,500
2,350
2,350
–
2,250
2,500
2,000
4,000
–
4,000
4,250
4,000
–
4,850
–
4,850
2,700
3,350
2,600
6,250
–
6,250
6,250
5,350
6,350
5,350
4,850
6,350
4,000
–
4,000
15
–
21
–
–
–
–
–
–
5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a participant or a family must pay after the deductible has been satisfied. Once reached, covered
expenses are fully reimbursed for the rest of the year.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 29. Standard errors for health maintenance organizations: Amount of annual individual out-of-pocket maximum,1
private industry workers, 2015
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
Worker characteristics
All workers ...............................................................
1.5
$0
$0
$196
$188
$695
1.5
–
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 ....................
2.1
2.6
3.1
4.7
3.9
9.5
3.8
1.0
1.7
1.4
2.0
1.6
18
197
0
0
0
0
36
0
151
205
203
–
179
298
279
426
172
365
248
0
0
295
560
0
130
84
264
279
0
0
172
26
430
534
682
791
354
442
775
–
595
223
502
744
–
526
–
707
639
1,385
664
651
409
477
431
292
1,261
1,205
953
–
2.1
2.6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
1.5
5.2
0
164
123
0
165
–
188
–
508
284
1.5
–
–
–
Union .......................................................................
Nonunion .................................................................
4.2
1.4
0
0
–
0
551
215
64
474
1,463
619
–
1.4
–
–
Average wage within the following categories2:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.5
2.0
2.1
2.7
0
–
157
0
440
323
66
0
69
204
228
465
453
322
608
266
0
1,101
387
449
–
2.0
2.1
2.7
–
–
–
–
Goods-producing industries:
Manufacturing ....................................................
1.4
–
–
121
216
1,179
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
1.8
5.3
9.8
3.1
2.9
3.0
4.2
0.9
4.1
3.2
4.4
5.4
0
0
0
0
0
0
–
216
0
137
292
0
27
0
–
80
0
–
–
237
0
112
–
0
203
0
202
164
270
716
354
137
436
0
102
408
473
516
122
643
796
243
–
–
720
826
79
1,344
695
–
–
1,016
–
886
55
0
788
246
555
658
1.8
–
–
–
–
–
–
–
4.1
3.2
4.4
5.4
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 29. Standard errors for health maintenance organizations: Amount of annual individual out-of-pocket maximum,1
private industry workers, 2015—continued
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no out-ofpocket
maximum
Not
determinable
2.1
0.9
2.5
2.2
5.1
$166
–
0
0
–
$0
97
406
144
0
$239
266
237
125
89
$644
125
417
336
91
$456
303
916
737
900
–
–
2.5
2.2
–
–
–
–
–
–
4.0
1.1
5.8
3.4
4.8
2.3
3.7
1.4
19.1
1.4
1.8
1.7
0
0
–
0
0
36
0
0
0
0
0
0
–
–
533
65
33
–
432
503
303
0
–
0
269
438
483
514
221
830
423
461
–
325
0
271
440
–
344
723
971
–
1,384
–
1,251
399
798
129
1,003
–
690
1,131
1,202
1,090
946
1,112
707
884
–
1,142
4.0
–
5.8
–
–
–
–
–
–
1.4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a participant or a family must pay after the deductible has been satisfied. Once reached, covered expenses
are fully reimbursed for the rest of the year.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 30. Health maintenance organizations: Amount of annual family out-of-pocket maximum,1 private industry workers,
2015
(All workers participating in health maintenance organizations = 100 percent)
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
Worker characteristics
All workers ...............................................................
92
$3,000
$3,000
$5,000
$7,500
$9,700
8
–
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 ....................
91
91
92
88
88
87
88
98
97
98
98
97
3,000
–
3,000
3,000
3,000
3,000
3,000
3,000
3,000
2,000
2,000
–
3,000
–
3,000
–
–
4,400
3,000
3,000
3,000
–
3,800
3,000
5,000
5,200
5,000
5,000
5,000
5,000
5,000
4,000
4,000
6,000
–
6,000
8,000
7,500
8,000
–
7,500
5,400
8,000
6,000
–
8,000
8,000
8,000
9,700
9,700
9,700
9,700
10,700
7,500
10,700
9,000
10,700
11,700
11,700
–
9
9
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
92
91
3,000
3,000
3,000
3,000
5,000
–
7,500
–
9,700
10,700
8
–
–
–
Union .......................................................................
Nonunion .................................................................
87
92
3,000
3,000
4,000
3,000
5,000
5,000
6,000
8,000
12,400
9,700
–
8
–
–
Average wage within the following categories2:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
94
91
90
91
3,000
–
3,000
3,000
–
4,000
3,000
3,000
5,000
5,000
5,000
4,500
8,500
7,500
7,500
7,500
10,700
10,700
9,700
9,000
–
9
10
9
–
–
–
–
Establishment characteristics
Goods-producing industries:
Manufacturing ....................................................
98
–
4,000
5,200
7,000
11,700
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
91
89
86
91
91
94
88
99
82
88
80
81
3,000
3,000
3,000
2,000
2,000
2,000
–
3,000
3,000
2,000
2,000
3,000
3,000
3,000
4,500
3,000
3,000
3,000
–
4,000
3,000
3,000
–
3,000
5,000
5,000
5,000
4,400
4,400
–
–
6,000
4,700
4,000
3,500
5,000
8,000
7,000
6,000
6,700
8,000
8,000
5,000
9,000
9,000
–
4,000
9,700
9,700
–
–
–
10,700
10,700
–
9,700
10,700
9,400
6,000
12,400
9
–
–
–
–
–
–
–
18
12
20
19
–
–
–
–
–
–
–
–
–
–
–
–
See footnotes at end of table.
Table 30. Health maintenance organizations: Amount of annual family out-of-pocket maximum,1 private industry workers,
2015—continued
(All workers participating in health maintenance organizations = 100 percent)
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
93
98
90
92
85
$3,000
–
3,000
3,000
–
$3,000
3,000
3,800
4,000
3,000
$5,000
4,600
5,000
5,000
5,000
$9,000
7,000
6,700
7,000
6,000
$10,700
9,400
9,700
8,500
12,400
–
–
10
8
–
–
–
–
–
–
85
97
79
91
87
97
93
96
69
95
98
95
2,000
2,000
–
3,000
3,000
3,000
3,000
3,000
3,000
3,000
3,000
3,000
–
–
4,500
4,500
4,600
–
3,800
4,000
3,000
3,000
–
3,000
5,000
4,000
6,000
5,000
5,000
7,000
4,700
4,700
–
4,500
7,000
4,500
8,000
–
8,500
9,000
9,000
8,500
9,700
–
9,700
7,000
7,500
6,000
12,400
–
12,400
12,400
–
12,700
10,700
9,700
12,500
9,000
9,000
9,000
15
–
21
–
–
–
–
–
–
5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a participant or a family must pay after the deductible has been satisfied. Once reached, covered
expenses are fully reimbursed for the rest of the year.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 30. Standard errors for health maintenance organizations: Amount of annual family out-of-pocket maximum,1 private
industry workers, 2015
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
Worker characteristics
All workers ...............................................................
1.5
$0
$374
$95
$678
$1,238
1.5
–
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 ....................
2.1
2.6
3.1
4.7
3.9
9.5
3.8
1.0
1.7
1.4
2.0
1.6
100
–
0
0
0
0
73
0
258
410
406
–
732
–
817
–
–
609
869
137
0
–
1,111
545
214
736
521
478
0
0
747
258
867
1,274
–
1,298
670
759
1,414
–
1,078
858
710
885
–
1,080
1,745
1,527
983
2,409
1,032
994
730
847
880
1,916
2,207
2,411
1,905
–
2.1
2.6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
1.5
5.2
0
258
855
0
95
–
683
–
577
95
1.5
–
–
–
Union .......................................................................
Nonunion .................................................................
4.2
1.4
0
0
620
220
708
275
338
660
2,400
1,064
–
1.4
–
–
Average wage within the following categories2:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.5
2.0
2.1
2.7
0
–
489
0
–
1,062
560
0
103
356
335
800
878
685
524
736
0
1,782
352
644
–
2.0
2.1
2.7
–
–
–
–
Goods-producing industries:
Manufacturing ....................................................
1.4
–
1,179
555
760
2,358
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
1.8
5.3
9.8
3.1
2.9
3.0
4.2
0.9
4.1
3.2
4.4
5.4
0
0
0
0
0
0
–
463
0
348
584
0
356
748
516
328
0
887
–
479
0
456
–
0
229
0
403
770
541
–
–
1,280
647
0
619
475
734
930
245
1,268
1,780
359
1,277
2,188
899
–
182
1,831
1,251
–
–
–
3,184
1,791
–
0
1,491
752
966
1,245
1.8
–
–
–
–
–
–
–
4.1
3.2
4.4
5.4
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 30. Standard errors for health maintenance organizations: Amount of annual family out-of-pocket maximum,1 private
industry workers, 2015—continued
Amount of out-of-pocket maximum
Characteristics
With out-ofpocket
maximum
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
out-ofpocket
maximum
Not
determinable
2.1
0.9
2.5
2.2
5.1
$504
–
0
0
–
$164
335
597
98
109
$371
348
91
458
589
$1,019
1,948
780
494
182
$912
1,735
1,114
1,517
1,328
–
–
2.5
2.2
–
–
–
–
–
–
4.0
1.1
5.8
3.4
4.8
2.3
3.7
1.4
19.1
1.4
1.8
1.7
0
0
–
0
0
73
0
0
0
0
0
0
–
–
1,176
612
320
–
916
856
795
0
–
0
620
944
763
1,190
547
1,755
699
759
–
560
1,580
457
961
–
792
1,333
2,292
2,122
2,377
–
2,392
1,422
605
950
2,021
–
1,504
2,452
–
3,664
1,843
2,132
1,131
1,461
1,605
1,787
4.0
–
5.8
–
–
–
–
–
–
1.4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1 The out-of-pocket maximum is the annual limit on the amount of covered expenses that a participant or a family must pay after the deductible has been satisfied. Once reached, covered expenses are
fully reimbursed for the rest of the year.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The categories
were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 31. Health maintenance organizations: Coverage for
mental health care,1 private industry workers, 2015
(All workers participating in health maintenance organizations = 100 percent)
Characteristics
Inpatient
Outpatient
mental health mental health
care
care
Worker characteristics
All workers ...............................................................
82
82
Management, professional, and related ..................
Professional and related ......................................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
84
87
95
93
91
90
92
84
87
93
90
89
87
92
Full time ...................................................................
Part time ..................................................................
82
86
81
86
Union .......................................................................
Nonunion .................................................................
91
81
89
–
Average wage within the following categories2:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
82
88
81
81
81
87
80
81
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
83
83
89
88
85
90
95
83
81
90
83
82
82
86
87
85
90
94
82
81
90
83
1 to 99 workers ........................................................
100 workers or more ................................................
500 workers or more ............................................
81
84
92
–
84
92
88
88
88
86
84
87
89
92
98
89
91
98
90
90
Establishment characteristics
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South:
East South Central ...............................................
Midwest ....................................................................
West North Central ..............................................
West:
Mountain ..............................................................
1 The remaining workers include both workers not receiving the benefit and workers for
whom the availability of the benefit could not be determined.
2 Surveyed occupations are classified into wage categories based on the average wage for
the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 31. Standard errors for health maintenance
organizations: Coverage for mental health care,1 private
industry workers, 2015
Characteristics
Inpatient
Outpatient
mental health mental health
care
care
Worker characteristics
All workers ...............................................................
2.8
2.8
Management, professional, and related ..................
Professional and related ......................................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
3.8
3.3
2.4
4.5
3.2
4.1
3.7
3.8
3.3
3.1
5.6
3.5
4.6
3.7
Full time ...................................................................
Part time ..................................................................
2.8
12.3
2.8
12.3
Union .......................................................................
Nonunion .................................................................
3.5
3.2
3.5
–
Average wage within the following categories2:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
5.6
2.7
4.7
4.4
5.7
2.7
4.7
4.4
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
2.8
4.0
3.6
4.5
6.6
5.0
3.4
4.4
7.4
3.7
5.3
2.9
4.9
4.4
4.5
6.6
5.0
3.6
4.3
7.4
3.7
5.2
1 to 99 workers ........................................................
100 workers or more ................................................
500 workers or more ............................................
4.9
3.5
1.7
–
3.5
1.8
3.4
5.9
4.2
3.6
6.7
4.2
7.6
3.5
1.4
7.6
3.5
1.4
8.8
8.8
Establishment characteristics
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South:
East South Central ...............................................
Midwest ....................................................................
West North Central ..............................................
West:
Mountain ..............................................................
1 The remaining workers include both workers not receiving the benefit and workers for
whom the availability of the benefit could not be determined.
2 Surveyed occupations are classified into wage categories based on the average wage for
the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using data from the National
Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 32. Inpatient mental health care benefits: Extent of coverage by type of
plan, private industry workers, 2015
(All workers participating in medical care plans = 100 percent)
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Worker characteristics
All workers ...............................................................
5
76
–
–
Management, professional, and related ..................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
–
–
–
2
–
6
–
4
–
–
–
–
73
79
81
76
–
79
79
79
–
–
–
–
–
–
–
–
–
–
–
–
17
–
18
–
–
–
18
14
Full time ...................................................................
Part time ..................................................................
5
–
75
85
–
–
–
12
Union .......................................................................
Nonunion .................................................................
10
–
76
–
–
–
–
–
Average wage within the following categories2:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
4
5
–
6
77
76
–
75
–
–
–
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
5
2
–
–
–
–
–
–
–
–
8
–
77
82
80
–
–
–
77
85
–
75
83
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
18
–
–
–
18
10
–
14
–
–
1 to 99 workers ........................................................
100 workers or more ................................................
500 workers or more ............................................
3
–
7
78
–
74
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 32. Inpatient mental health care benefits: Extent of coverage by type of plan, private industry workers,
2015—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
Worker characteristics
All workers ...............................................................
3
78
–
–
16
67
–
18
Management, professional, and related ..................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
–
–
–
1
–
–
–
–
–
–
–
–
79
80
84
–
–
80
79
81
–
–
–
–
–
–
–
–
–
–
–
–
15
–
15
–
–
17
19
15
16
–
–
–
–
–
–
–
–
–
67
70
–
–
–
82
88
70
76
60
–
–
–
–
–
–
–
–
–
–
16
13
–
–
–
5
7
9
10
8
Full time ...................................................................
Part time ..................................................................
–
–
–
86
–
–
–
11
16
–
66
79
–
–
18
14
Union .......................................................................
Nonunion .................................................................
6
–
78
–
–
–
–
–
–
14
62
67
–
–
9
19
Average wage within the following categories2:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
3
–
–
–
78
–
–
78
–
–
–
–
–
–
–
19
–
15
23
28
76
72
58
53
–
–
–
–
18
12
19
19
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
3
–
–
–
–
–
–
–
–
2
4
–
79
83
82
–
–
–
78
87
–
85
87
–
–
–
–
–
–
–
–
–
–
–
–
–
–
16
17
–
–
–
18
11
–
–
–
–
15
–
–
10
12
–
–
–
–
–
17
–
68
74
–
79
76
77
68
76
61
56
73
63
–
–
–
–
–
–
–
–
–
–
–
–
17
17
–
11
12
15
10
5
17
19
10
17
1 to 99 workers ........................................................
100 workers or more ................................................
500 workers or more ............................................
–
–
–
79
–
–
–
–
–
18
–
–
8
24
31
73
60
61
–
–
–
19
16
8
Establishment characteristics
See footnotes at end of table.
Table 32. Inpatient mental health care benefits: Extent of coverage by type of
plan, private industry workers, 2015—continued
(All workers participating in medical care plans = 100 percent)
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
See footnotes at end of table.
9
10
9
2
–
–
–
–
–
7
–
–
74
71
75
78
83
81
–
–
80
74
82
–
–
–
–
–
–
–
–
–
–
–
–
–
16
18
16
–
16
16
–
–
18
19
14
–
Table 32. Inpatient mental health care benefits: Extent of coverage by type of plan, private industry workers,
2015—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
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
7
–
7
–
–
–
–
–
–
–
–
–
75
–
76
80
83
82
–
–
80
80
83
78
–
–
–
–
–
–
–
–
–
–
–
–
18
–
17
18
16
16
–
–
19
18
15
19
16
17
–
–
–
–
–
–
–
–
–
–
72
71
73
–
86
–
79
79
79
–
80
–
–
–
–
–
–
–
–
–
–
–
–
–
12
12
12
–
11
–
8
9
2
–
10
–
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 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March
2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 32. Standard errors for inpatient mental health care benefits: Extent of
coverage by type of plan, private industry workers, 2015
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Worker characteristics
All workers ...............................................................
0.6
1.3
–
–
Management, professional, and related ..................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
–
–
–
0.3
–
1.6
–
1.3
–
–
–
–
3.7
1.7
2.2
2.6
–
2.9
3.4
4.5
–
–
–
–
–
–
–
–
–
–
–
–
3.1
–
2.2
–
–
–
2.9
2.8
Full time ...................................................................
Part time ..................................................................
0.7
–
1.3
2.9
–
–
–
2.2
Union .......................................................................
Nonunion .................................................................
2.1
–
4.2
–
–
–
–
–
Average wage within the following categories2:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
0.8
0.8
–
1.4
2.2
1.5
–
3.0
–
–
–
–
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0.8
0.6
–
–
–
–
–
–
–
–
0.9
–
1.5
1.6
1.7
–
–
–
3.8
4.0
–
5.2
2.6
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.5
–
–
–
3.4
3.1
–
4.7
–
–
1 to 99 workers ........................................................
100 workers or more ................................................
500 workers or more ............................................
0.7
–
1.2
1.7
–
2.0
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 32. Standard errors for inpatient mental health care benefits: Extent of coverage by type of plan, private industry
workers, 2015—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
Worker characteristics
All workers ...............................................................
0.5
1.3
–
–
3.0
4.2
–
2.8
Management, professional, and related ..................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
–
–
–
0.2
–
–
–
–
–
–
–
–
3.7
1.6
2.2
–
–
2.8
3.6
3.9
–
–
–
–
–
–
–
–
–
–
–
–
2.7
–
2.2
–
–
2.5
3.3
3.5
4.0
–
–
–
–
–
–
–
–
–
5.3
6.5
–
–
–
4.9
5.0
7.3
6.8
12.7
–
–
–
–
–
–
–
–
–
–
3.8
3.3
–
–
–
2.4
4.5
3.2
4.1
3.7
Full time ...................................................................
Part time ..................................................................
–
–
–
2.2
–
–
–
1.8
3.0
–
3.8
16.6
–
–
2.8
12.3
Union .......................................................................
Nonunion .................................................................
1.4
–
4.5
–
–
–
–
–
–
3.1
9.0
4.5
–
–
3.5
3.2
Average wage within the following categories2:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
0.9
–
–
–
2.3
–
–
2.7
–
–
–
–
–
–
–
2.7
–
4.3
4.4
6.7
7.1
4.6
6.0
6.6
–
–
–
–
5.6
2.7
4.7
4.4
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0.6
–
–
–
–
–
–
–
–
0.4
0.6
–
1.5
1.7
2.1
–
–
–
3.9
3.4
–
5.0
3.0
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.3
2.0
–
–
–
3.7
3.2
–
–
–
–
3.6
–
–
2.6
3.0
–
–
–
–
–
2.3
–
4.7
5.0
–
4.4
5.1
7.0
7.8
10.3
10.6
9.6
4.0
13.8
–
–
–
–
–
–
–
–
–
–
–
–
2.8
4.0
–
3.6
4.5
6.6
5.0
3.4
4.4
7.4
3.7
5.3
1 to 99 workers ........................................................
100 workers or more ................................................
500 workers or more ............................................
–
–
–
1.6
–
–
–
–
–
1.4
–
–
2.3
4.2
5.3
5.8
4.5
5.3
–
–
–
4.9
3.5
1.7
Establishment characteristics
See footnotes at end of table.
Table 32. Standard errors for inpatient mental health care benefits: Extent of
coverage by type of plan, private industry workers, 2015—continued
All plans
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
See footnotes at end of table.
1.4
3.1
1.6
0.6
–
–
–
–
–
2.0
–
–
2.8
4.5
3.3
2.1
5.3
2.4
–
–
3.1
3.4
5.3
–
–
–
–
–
–
–
–
–
–
–
–
–
2.2
4.3
2.5
–
5.1
2.1
–
–
3.1
2.6
3.8
–
Table 32. Standard errors for inpatient mental health care benefits: Extent of coverage by type of plan, private industry
workers, 2015—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
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
1.2
–
1.2
–
–
–
–
–
–
–
–
–
2.9
–
3.2
2.0
5.5
2.6
–
–
3.5
2.6
4.5
3.2
–
–
–
–
–
–
–
–
–
–
–
–
2.5
–
2.9
1.9
5.4
2.6
–
–
3.4
2.3
3.4
3.0
3.9
4.2
–
–
–
–
–
–
–
–
–
–
4.9
5.5
6.9
–
8.1
–
7.8
8.9
10.5
–
13.5
–
–
–
–
–
–
–
–
–
–
–
–
–
3.4
5.9
4.2
–
7.6
–
3.5
4.2
1.4
–
8.8
–
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 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March
2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 33. Outpatient mental health care benefits: Extent of coverage by type of plan, private industry workers, 2015
(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
Worker characteristics
All workers ...............................................................
1
79
–
–
1
79
–
–
Management, professional, and related ..................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
–
–
–
–
–
–
–
–
–
–
–
–
80
80
82
79
78
83
80
85
–
–
–
–
–
–
–
–
–
–
–
–
19
19
18
16
16
16
17
14
–
–
–
–
–
–
–
–
–
–
–
–
82
81
84
77
76
82
79
84
–
–
–
–
–
–
–
–
–
–
–
–
18
18
15
17
17
17
18
15
Full time ...................................................................
Part time ..................................................................
–
–
–
88
–
–
–
11
–
–
–
89
–
–
–
11
Union .......................................................................
–
82
–
15
–
81
–
16
Average wage within the following categories2:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
80
81
–
–
–
–
–
–
19
18
–
–
–
–
–
–
80
79
–
–
–
–
–
–
19
19
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
1
–
–
–
–
–
–
–
–
–
1
–
80
84
81
–
–
–
–
88
–
77
89
–
–
–
–
–
–
–
–
–
–
–
–
–
–
15
18
–
–
–
–
10
–
17
–
–
–
–
–
–
–
–
–
–
–
–
–
–
80
84
82
–
–
–
–
86
–
82
89
–
–
–
–
–
–
–
–
–
–
–
–
–
18
15
17
–
–
–
–
11
–
16
8
–
1 to 99 workers ........................................................
100 workers or more ................................................
500 workers or more ............................................
–
–
–
80
–
81
–
–
–
18
–
19
–
–
–
80
–
–
–
–
–
18
–
–
Establishment characteristics
See footnotes at end of table.
Table 33. Outpatient mental health care benefits: Extent of coverage by type
of plan, private industry workers, 2015—continued
(All workers participating in medical care plans = 100 percent)
Health maintenance organization
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Worker characteristics
All workers ...............................................................
–
80
–
18
Management, professional, and related ..................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
–
–
–
–
–
–
–
–
–
–
82
85
–
–
–
93
89
88
87
90
–
–
–
–
–
–
–
–
–
–
16
13
–
–
–
7
10
10
11
8
Full time ...................................................................
Part time ..................................................................
–
–
80
84
–
–
18
14
Union .......................................................................
–
87
–
10
Average wage within the following categories2:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
79
86
78
80
–
–
–
–
19
13
19
19
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
–
–
–
–
–
–
–
–
–
–
–
–
81
81
–
84
84
82
87
94
79
69
87
83
–
–
–
–
–
–
–
–
–
–
–
–
18
17
–
14
13
15
10
6
18
19
10
17
1 to 99 workers ........................................................
100 workers or more ................................................
500 workers or more ............................................
–
–
–
–
82
90
–
–
–
–
16
8
Establishment characteristics
See footnotes at end of table.
Table 33. Outpatient mental health care benefits: Extent of coverage by type of plan, private industry workers,
2015—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
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
See footnotes at end of table.
–
–
–
–
–
–
–
–
–
–
–
–
81
–
82
–
84
82
–
–
82
79
83
–
–
–
–
–
–
–
–
–
–
–
–
–
18
–
17
–
16
16
–
–
18
19
16
–
–
–
–
–
–
–
–
–
–
–
–
–
79
–
81
79
84
82
–
–
81
80
82
79
–
–
–
–
–
–
–
–
–
–
–
–
19
–
18
19
16
16
–
–
18
18
17
19
Table 33. Outpatient mental health care benefits: Extent of coverage by type
of plan, private industry workers, 2015—continued
(All workers participating in medical care plans = 100 percent)
Health maintenance organization
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
–
–
–
–
–
–
–
–
–
–
–
–
85
83
86
–
86
–
91
90
98
–
90
–
–
–
–
–
–
–
–
–
–
–
–
–
14
16
13
–
11
–
9
10
2
–
10
–
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 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may
include workers with earnings both above and below the threshold. The categories were formed using percentile estimates
generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 33. Standard errors for outpatient mental health care benefits: Extent of coverage by type of plan, private
industry workers, 2015
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
Worker characteristics
All workers ...............................................................
0.3
1.1
–
–
0.3
1.3
–
–
Management, professional, and related ..................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
–
–
–
–
–
–
–
–
–
–
–
–
3.4
1.5
2.2
2.3
3.7
2.3
3.1
2.8
–
–
–
–
–
–
–
–
–
–
–
–
3.3
1.6
2.2
1.9
2.9
2.2
2.9
2.8
–
–
–
–
–
–
–
–
–
–
–
–
2.9
1.6
2.2
2.5
3.9
2.7
3.6
3.5
–
–
–
–
–
–
–
–
–
–
–
–
2.9
1.7
2.2
2.1
3.3
2.5
3.3
3.5
Full time ...................................................................
Part time ..................................................................
–
–
–
2.2
–
–
–
2.2
–
–
–
1.9
–
–
–
1.8
Union .......................................................................
–
3.8
–
3.9
–
4.4
–
4.4
Average wage within the following categories2:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
1.8
1.5
–
–
–
–
–
–
1.8
1.4
–
–
–
–
–
–
1.8
1.7
–
–
–
–
–
–
1.8
1.5
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0.3
–
–
–
–
–
–
–
–
–
0.4
–
1.3
1.5
1.5
–
–
–
–
3.3
–
4.8
2.5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.2
1.5
–
–
–
–
3.1
–
4.3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.4
1.6
2.0
–
–
–
–
3.5
–
3.5
3.0
–
–
–
–
–
–
–
–
–
–
–
–
–
1.4
1.3
2.0
–
–
–
–
3.2
–
3.7
3.1
–
1 to 99 workers ........................................................
100 workers or more ................................................
500 workers or more ............................................
–
–
–
1.5
–
1.9
–
–
–
1.5
–
1.9
–
–
–
1.5
–
–
–
–
–
1.4
–
–
Establishment characteristics
See footnotes at end of table.
Table 33. Standard errors for outpatient mental health care benefits: Extent of
coverage by type of plan, private industry workers, 2015—continued
Health maintenance organization
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Worker characteristics
All workers ...............................................................
–
2.9
–
2.8
Management, professional, and related ..................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
–
–
–
–
–
–
–
–
–
–
3.9
3.8
–
–
–
3.1
5.7
3.8
4.6
5.0
–
–
–
–
–
–
–
–
–
–
3.8
3.3
–
–
–
3.1
5.6
3.3
4.2
3.7
Full time ...................................................................
Part time ..................................................................
–
–
2.8
12.5
–
–
2.8
12.3
Union .......................................................................
–
3.6
–
3.5
Average wage within the following categories2:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
5.9
2.7
4.7
4.2
–
–
–
–
5.7
2.7
4.7
4.4
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services .....................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
–
–
–
–
–
–
–
–
–
–
–
–
2.9
4.5
–
4.6
4.6
7.0
5.6
3.6
4.7
9.6
3.5
5.2
–
–
–
–
–
–
–
–
–
–
–
–
2.8
4.0
–
4.4
4.5
6.6
5.0
3.6
4.3
7.4
3.7
5.2
1 to 99 workers ........................................................
100 workers or more ................................................
500 workers or more ............................................
–
–
–
–
3.6
2.0
–
–
–
–
3.5
1.8
Establishment characteristics
See footnotes at end of table.
Table 33. Standard errors for outpatient mental health care benefits: Extent of coverage by type of plan, private
industry workers, 2015—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
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
See footnotes at end of table.
–
–
–
–
–
–
–
–
–
–
–
–
2.6
–
2.8
–
5.2
1.9
–
–
2.9
2.2
3.2
–
–
–
–
–
–
–
–
–
–
–
–
–
2.2
–
2.4
–
5.1
2.1
–
–
2.9
2.4
3.9
–
–
–
–
–
–
–
–
–
–
–
–
–
3.0
–
3.1
2.1
5.5
2.6
–
–
3.3
2.4
3.0
3.4
–
–
–
–
–
–
–
–
–
–
–
–
2.5
–
2.7
2.0
5.4
2.6
–
–
3.3
2.4
3.5
3.2
Table 33. Standard errors for outpatient mental health care benefits: Extent of
coverage by type of plan, private industry workers, 2015—continued
Health maintenance organization
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
–
–
–
–
–
–
–
–
–
–
–
–
3.7
6.7
4.5
–
8.1
–
3.5
4.2
1.4
–
8.8
–
–
–
–
–
–
–
–
–
–
–
–
–
3.6
6.7
4.2
–
7.6
–
3.5
4.2
1.4
–
8.8
–
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 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may
include workers with earnings both above and below the threshold. The categories were formed using percentile estimates
generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 34. Outpatient prescription drug benefits:1 Type of coverage, private industry
workers, 2015
(All workers participating in outpatient prescription drug plans = 100 percent)
Characteristics
Generic drugs
Brand-name
drugs on
formulary
Brand-name
nonformulary
drugs
Mail order
drugs
Worker characteristics
All workers ...............................................................
100
99
85
88
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
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
99
99
99
99
–
99
99
99
100
99
100
90
92
88
83
81
73
85
92
89
77
84
68
88
90
87
88
87
84
89
92
89
89
89
89
Full time ...................................................................
Part time ..................................................................
100
99
99
98
86
67
89
85
Union .......................................................................
Nonunion .................................................................
100
100
99
99
79
86
94
87
Average wage within the following categories2:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
99
100
99
99
84
86
87
87
88
88
90
91
Goods-producing industries .....................................
Manufacturing ......................................................
100
100
98
98
89
86
92
92
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Transportation and warehousing .....................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Real estate and rental and leasing ..................
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
Other services ......................................................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
99
–
–
100
100
99
99
99
98
100
100
100
99
99
100
99
96
84
70
68
56
92
88
87
85
94
93
88
90
88
88
93
88
90
87
87
83
90
94
86
90
88
92
69
85
88
88
89
89
88
88
Establishment characteristics
See footnotes at end of table.
Table 34. Outpatient prescription drug benefits:1 Type of coverage, private industry
workers, 2015—continued
(All workers participating in outpatient prescription drug plans = 100 percent)
Characteristics
Generic drugs
1 to 99 workers:
50 to 99 workers ................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Brand-name
drugs on
formulary
Brand-name
nonformulary
drugs
Mail order
drugs
99
100
100
100
97
99
–
99
86
81
81
81
90
91
91
91
100
100
100
100
100
100
100
100
100
100
100
100
99
99
99
99
99
100
–
99
99
99
100
99
86
88
86
86
86
88
85
86
83
81
87
78
89
83
91
88
89
87
86
88
83
91
90
91
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
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
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers
with earnings both above and below the threshold. The categories were formed using percentile estimates generated using data from the
National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
Note: For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 34. Standard errors for outpatient prescription drug benefits:1 Type of coverage,
private industry workers, 2015
Characteristics
Generic drugs
Brand-name
drugs on
formulary
Brand-name
nonformulary
drugs
Mail order
drugs
Worker characteristics
All workers ...............................................................
(2)
0.2
0.9
0.7
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 ....................
2
( )
(2)
0.1
0.2
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
0.4
0.4
0.5
0.3
0.4
–
0.3
0.3
0.6
0.2
0.4
0.2
1.3
1.1
2.1
3.3
1.2
2.0
1.3
1.4
2.1
3.0
3.0
5.1
1.2
1.5
1.7
3.3
1.4
3.1
1.4
1.8
3.0
2.0
2.8
2.0
Full time ...................................................................
Part time ..................................................................
(2)
0.4
0.2
1.0
0.9
3.7
0.7
3.8
Union .......................................................................
Nonunion .................................................................
(2)
(2)
0.6
0.2
3.3
1.0
1.7
0.8
Average wage within the following categories3:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
(2)
(2)
(2)
(2)
0.3
0.2
0.4
0.4
2.0
1.3
1.5
1.9
1.2
1.2
1.1
1.1
Goods-producing industries .....................................
Manufacturing ......................................................
(2)
(2)
0.6
0.8
1.8
2.5
1.3
1.8
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Transportation and warehousing .....................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Real estate and rental and leasing ..................
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
Other services ......................................................
(2)
(2)
(2)
(2)
(2)
0.1
0.1
0.2
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
0.2
–
–
(2)
(2)
0.4
0.5
0.1
1.3
(2)
(2)
(2)
0.3
1.2
(2)
0.3
4.4
1.1
2.6
2.3
7.2
3.3
1.2
1.3
2.2
1.9
4.9
2.9
3.2
1.9
3.3
2.1
2.1
5.1
0.8
1.4
2.2
5.1
2.7
1.9
1.1
1.3
2.2
9.3
2.3
2.7
1.9
2.0
3.4
2.2
6.5
Establishment characteristics
See footnotes at end of table.
Table 34. Standard errors for outpatient prescription drug benefits:1 Type of coverage,
private industry workers, 2015—continued
Characteristics
Generic drugs
1 to 99 workers:
50 to 99 workers ................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Brand-name
drugs on
formulary
Brand-name
nonformulary
drugs
Mail order
drugs
0.2
(2)
(2)
(2)
1.0
0.3
–
0.4
2.7
1.4
1.7
2.5
2.0
1.0
1.3
1.6
(2)
(2)
(2)
(2)
(2)
(2)
0.1
0.1
0.3
(2)
(2)
0.1
0.7
0.9
0.9
0.3
0.5
0.2
–
0.6
0.6
0.5
(2)
0.7
2.0
3.8
2.3
1.8
2.2
3.8
1.9
2.4
2.8
1.6
1.9
2.1
1.9
2.9
2.4
0.9
1.2
1.6
1.5
1.8
2.9
1.7
4.3
1.4
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
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
3
Less than 0.05.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers
with earnings both above and below the threshold. The categories were formed using percentile estimates generated using data from the
National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
Note: For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 35. Outpatient prescription drug benefits:1 Copayment provisions, private industry workers, 2015
(All workers participating in selected outpatient prescription drug plans = 100 percent)
Generic drugs2
Characteristics
Copayment
No
copayment
Brand-name drugs on formulary3
Median
copayment
per
prescription
Not
determinable
Copayment
No
copayment
Median
copayment
per
prescription
Not
determinable
Worker characteristics
All workers ...............................................................
80
19
1
$10
78
22
1
$30
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
79
78
80
83
83
84
83
83
82
76
80
71
20
21
20
16
16
15
16
16
16
24
19
29
1
1
1
1
2
1
2
1
1
(5)
1
–
10
10
10
10
10
10
10
10
10
10
10
10
75
76
75
82
80
81
80
83
82
73
76
69
25
24
25
18
18
18
18
16
17
27
23
31
(5)
(5)
(5)
1
1
1
1
1
1
(5)
1
(5)
30
30
30
30
35
30
35
30
35
30
30
30
Full time ...................................................................
Part time ..................................................................
80
88
19
10
1
1
10
7
77
82
22
17
1
1
30
30
Union .......................................................................
Nonunion .................................................................
76
81
23
18
1
1
10
10
74
78
25
21
1
1
25
30
Average wage within the following categories6:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
83
79
78
79
16
20
21
21
1
1
1
1
10
10
10
10
82
77
74
75
18
23
25
24
1
(5)
1
(5)
35
30
30
30
Goods-producing industries .....................................
Manufacturing ......................................................
80
78
20
22
(5)
(5)
10
10
76
73
23
26
(5)
(5)
30
30
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Transportation and warehousing .....................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Real estate and rental and leasing ..................
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
Other services ......................................................
80
77
84
65
71
76
74
81
66
83
81
82
89
93
89
88
82
18
22
15
31
29
22
23
18
31
17
19
18
10
4
8
11
–
1
1
1
3
–
2
2
1
3
–
–
–
1
3
3
1
–
10
10
7
–
10
10
10
10
10
10
10
10
10
10
10
10
10
78
73
80
64
69
75
72
79
63
88
76
80
83
94
90
81
86
21
26
19
33
31
24
27
20
35
12
24
20
16
4
7
18
–
1
1
1
3
–
1
1
1
2
–
–
–
1
2
3
1
–
30
30
30
30
30
30
30
30
30
35
35
35
30
30
30
30
30
Establishment characteristics
See footnotes at end of table.
Table 35. Outpatient prescription drug benefits:1 Copayment provisions, private
industry workers, 2015—continued
(All workers participating in selected outpatient prescription drug plans = 100 percent)
Brand-name drugs not on formulary4
Characteristics
Copayment
No
copayment
Not
determinable
Median
copayment
per
prescription
Worker characteristics
All workers ...............................................................
75
25
(5)
5
$55
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 ....................
72
72
71
78
78
76
78
81
79
70
73
66
28
28
28
21
21
23
21
19
20
30
26
34
( )
(5)
(5)
1
1
1
1
5
( )
1
(5)
5
( )
–
55
50
55
50
60
50
60
55
60
55
55
60
Full time ...................................................................
Part time ..................................................................
74
80
25
19
(5)
1
55
–
Union .......................................................................
Nonunion .................................................................
73
75
27
25
1
(5)
50
55
Average wage within the following categories6:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
79
77
70
75
21
23
29
25
(5)
(5)
1
(5)
60
55
50
50
Goods-producing industries .....................................
Manufacturing ......................................................
72
68
27
32
(5)
(5)
50
50
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Transportation and warehousing .....................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Real estate and rental and leasing ..................
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
Other services ......................................................
75
70
74
55
66
76
74
81
66
85
75
79
76
90
89
73
86
24
30
25
43
34
23
25
18
32
–
25
21
23
8
9
26
–
1
1
1
1
–
1
1
(5)
2
–
–
–
1
1
3
1
–
55
50
50
50
60
60
55
55
60
60
60
60
–
50
50
55
50
Establishment characteristics
See footnotes at end of table.
Table 35. Outpatient prescription drug benefits:1 Copayment provisions, private industry workers, 2015—continued
(All workers participating in selected outpatient prescription drug plans = 100 percent)
Generic drugs2
Characteristics
Copayment
1 to 99 workers:
50 to 99 workers ................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
No
copayment
Brand-name drugs on formulary3
Not
determinable
Median
copayment
per
prescription
Copayment
No
copayment
Not
determinable
Median
copayment
per
prescription
79
80
83
76
19
19
17
22
2
1
(5)
1
$10
10
10
10
80
76
80
70
20
24
20
29
(5)
1
(5)
1
$35
30
30
30
77
75
77
84
85
82
75
78
69
82
81
83
21
23
21
15
14
18
24
21
30
17
19
16
2
2
2
(5)
1
(5)
1
1
1
1
(5)
1
10
10
10
10
10
10
10
10
10
10
10
10
79
77
80
82
82
81
72
75
64
75
71
77
20
21
19
17
17
19
28
25
35
24
29
22
1
1
1
(5)
1
(5)
(5)
(5)
1
1
(5)
1
30
30
30
35
35
35
30
30
30
30
30
30
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
See footnotes at end of table.
Table 35. Outpatient prescription drug benefits:1 Copayment provisions, private
industry workers, 2015—continued
(All workers participating in selected outpatient prescription drug plans = 100 percent)
Brand-name drugs not on formulary4
Characteristics
Copayment
1 to 99 workers:
50 to 99 workers ................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
No
copayment
Not
determinable
Median
copayment
per
prescription
76
73
76
68
24
27
24
31
(5)
(5)
(5)
(5)
$60
50
55
50
78
77
79
79
78
76
70
73
63
71
68
72
21
22
20
21
21
23
30
27
37
29
32
28
1
1
1
5
( )
(5)
(5)
(5)
(5)
(5)
(5)
(5)
(5)
50
45
–
60
60
60
55
60
50
50
60
50
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
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 on formulary provision equals 100
percent.
4 All workers participating in an outpatient prescription drug plan with a brand-name drug not on formulary provision equals 100
percent.
5 Less than 0.5.
6 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include
workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated using
data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 35. Standard errors for outpatient prescription drug benefits:1 Copayment provisions, private industry workers, 2015
Generic drugs
Characteristics
Copayment
No
copayment
Brand-name drugs on formulary
Not
determinable
Median
copayment
per
prescription
Copayment
No
copayment
Not
determinable
Median
copayment
per
prescription
Worker characteristics
All workers ...............................................................
1.1
1.1
0.2
$0
1.3
1.3
0.2
$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 ....................
1.7
2.0
2.3
2.4
1.7
2.5
1.8
2.2
3.4
2.5
2.9
4.1
1.7
2.0
2.4
2.4
1.5
2.4
1.5
2.2
3.3
2.6
2.8
4.1
0.3
0.4
0.2
0.4
0.5
0.5
0.8
0.4
0.7
0.3
0.5
–
0
0
0
0
0
1
0
0
0
0
0
(2)
2.0
2.2
2.9
2.2
1.6
2.6
1.8
1.8
2.3
2.6
2.8
4.2
2.0
2.2
2.9
2.1
1.5
2.5
1.6
1.9
2.2
2.6
2.8
4.2
0.1
0.1
0.1
0.4
0.5
0.5
0.7
0.4
0.7
0.3
0.5
0.1
0
0
2
(2)
5
2
1
5
0
1
1
3
Full time ...................................................................
Part time ..................................................................
1.1
2.0
1.2
1.9
0.2
0.6
0
2
1.3
1.8
1.3
1.8
0.2
0.6
0
1
Union .......................................................................
Nonunion .................................................................
2.4
1.2
2.4
1.2
0.3
0.2
1
0
2.9
1.4
3.0
1.4
0.3
0.2
4
0
Average wage within the following categories3:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
1.7
1.6
1.8
2.3
1.6
1.6
1.9
2.3
0.5
0.2
0.4
0.2
0
0
0
0
2.0
1.6
2.0
2.5
1.9
1.6
2.0
2.5
0.5
0.2
0.2
0.2
2
0
0
0
Goods-producing industries .....................................
Manufacturing ......................................................
1.9
2.4
2.0
2.5
0.2
0.2
0
0
2.1
2.6
2.1
2.7
0.2
0.2
6
6
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Transportation and warehousing .....................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Real estate and rental and leasing ..................
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
Other services ......................................................
1.2
2.6
2.5
5.9
4.9
2.2
2.5
2.7
5.0
3.8
2.5
4.0
2.2
1.6
2.0
2.6
6.2
1.2
2.7
2.5
6.1
4.9
2.1
2.3
2.6
4.4
3.8
2.5
4.0
2.1
1.0
1.5
2.5
–
0.3
0.5
0.4
1.9
–
0.7
0.8
0.5
1.7
–
–
–
0.5
1.3
1.9
0.6
–
0
0
1
–
0
0
0
0
0
0
0
0
0
0
0
0
0
1.4
2.7
2.2
6.7
4.2
2.3
2.5
2.8
5.0
3.3
3.1
4.4
2.7
1.2
1.9
3.2
4.5
1.4
2.7
2.2
6.9
4.2
2.2
2.5
2.8
4.8
3.3
3.1
4.4
2.6
0.9
1.4
3.1
–
0.2
0.5
0.5
1.9
–
0.5
0.6
0.5
1.2
–
–
–
0.5
1.0
1.9
0.6
–
0
3
6
1
6
0
0
0
7
4
0
7
0
0
0
0
6
Establishment characteristics
See footnotes at end of table.
Table 35. Standard errors for outpatient prescription drug benefits:1 Copayment
provisions, private industry workers, 2015—continued
Brand-name drugs not on formulary
Characteristics
Copayment
No
copayment
Not
determinable
Median
copayment
per
prescription
Worker characteristics
All workers ...............................................................
1.4
1.4
0.1
$1
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
2.3
2.7
3.0
2.7
1.8
3.2
1.8
2.2
2.6
2.9
2.8
5.6
2.3
2.7
3.0
2.6
1.7
3.2
1.8
2.2
2.6
3.0
2.8
5.6
0.1
0.1
0.1
0.5
0.4
0.4
0.5
0.2
0.4
0.2
0.3
–
3
6
2
2
0
2
0
2
2
7
8
3
Full time ...................................................................
Part time ..................................................................
1.5
2.9
1.5
2.9
0.1
0.8
1
–
Union .......................................................................
Nonunion .................................................................
3.4
1.5
3.5
1.5
0.4
0.1
8
3
Average wage within the following categories3:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
2.1
1.8
2.4
3.1
2.1
1.8
2.4
3.0
0.2
0.2
0.2
0.2
2
5
0
0
Goods-producing industries .....................................
Manufacturing ......................................................
2.4
3.2
2.4
3.2
0.1
0.1
4
3
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Retail trade ......................................................
Transportation and warehousing .....................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Real estate and rental and leasing ..................
Professional and business services .....................
Professional and technical services .................
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
Other services ......................................................
1.7
3.1
3.3
8.5
4.6
2.6
2.7
2.9
5.2
4.4
3.4
5.3
3.3
2.6
2.5
3.9
5.0
1.7
3.2
3.3
9.0
4.6
2.5
2.7
2.9
5.0
–
3.4
5.3
3.2
2.3
2.0
3.8
–
0.2
0.2
0.3
1.0
–
0.5
0.6
0.3
1.3
–
–
–
0.6
1.0
1.7
0.7
–
5
2
3
12
1
0
9
9
10
0
0
7
–
0
0
5
14
Establishment characteristics
See footnotes at end of table.
Table 35. Standard errors for outpatient prescription drug benefits:1 Copayment provisions, private industry workers,
2015—continued
Generic drugs
Characteristics
Copayment
1 to 99 workers:
50 to 99 workers ................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
No
copayment
Brand-name drugs on formulary
Not
determinable
Median
copayment
per
prescription
Copayment
No
copayment
Not
determinable
Median
copayment
per
prescription
2.6
1.3
1.5
2.3
2.7
1.3
1.5
2.2
1.0
0.2
0.1
0.5
$0
0
0
0
2.7
1.5
1.7
2.8
2.7
1.5
1.7
2.7
0.2
0.2
0.1
0.5
$6
0
5
4
2.3
3.3
2.8
1.6
2.2
2.8
2.2
1.9
5.0
2.7
4.1
3.4
2.6
3.0
3.3
1.6
2.4
2.8
2.3
2.0
5.4
2.6
4.0
3.3
0.9
1.3
1.1
0.2
0.3
0.2
0.3
0.3
0.5
0.4
0.1
0.6
0
0
0
0
0
0
0
0
0
0
0
0
1.9
3.2
2.6
2.0
3.2
3.5
2.7
2.8
5.2
3.1
5.4
3.8
1.8
2.9
2.5
2.1
3.4
3.3
2.8
3.0
5.5
3.0
5.4
3.7
0.5
0.9
0.6
0.2
0.3
0.2
0.2
0.2
0.5
0.4
0.1
0.6
0
3
0
0
3
0
6
7
5
0
0
0
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
Pacific ..................................................................
See footnotes at end of table.
Table 35. Standard errors for outpatient prescription drug benefits:1 Copayment
provisions, private industry workers, 2015—continued
Brand-name drugs not on formulary
Characteristics
Copayment
1 to 99 workers:
50 to 99 workers ................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
No
copayment
Not
determinable
Median
copayment
per
prescription
3.2
1.8
2.1
3.0
3.2
1.8
2.1
3.0
(4)
0.1
0.1
0.2
$4
6
5
0
2.8
3.8
3.7
2.2
3.5
3.9
3.0
3.0
6.7
3.5
5.8
4.4
2.8
3.4
3.6
2.3
3.6
3.8
3.0
3.0
6.7
3.5
5.8
4.5
0.6
1.0
0.7
0.1
0.3
0.2
0.1
0.1
0.2
0.1
0.1
0.1
0
8
–
0
1
0
5
7
7
0
6
0
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
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 0.5.
3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include
workers with earnings both above and below the threshold. The categories were formed using percentile estimates generated using
data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
4 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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 36. Dental care benefits: Coverage for selected services, private industry workers, 2015
(All workers participating in dental care plans = 100 percent)
Orthodontia
Characteristics
Preventive
services1
Basic
services2
Major
services3
Employee
and
dependent
Total
Dependent
only
Worker characteristics
All workers ...............................................................
100
100
96
77
47
30
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
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
100
100
100
100
100
100
100
97
97
96
99
94
96
93
96
94
98
97
98
77
76
78
79
74
74
74
78
70
79
74
86
47
45
48
42
49
59
45
40
36
49
39
62
30
31
30
37
25
15
29
38
34
30
35
23
Full time ...................................................................
Part time ..................................................................
100
100
100
100
96
98
77
78
46
56
31
22
Union .......................................................................
Nonunion .................................................................
100
100
100
100
98
96
85
75
56
45
29
30
Average wage within the following categories4:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
100
100
100
96
96
97
96
82
76
78
79
50
44
49
52
32
32
29
27
Goods-producing industries .....................................
Manufacturing ......................................................
100
100
100
100
98
97
76
75
48
49
29
26
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services:
Professional and technical services ...............
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
Leisure and hospitality .........................................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
96
97
95
97
100
100
98
92
93
95
91
77
79
63
77
94
93
79
84
86
89
81
47
59
–
67
64
34
–
48
50
45
54
30
20
–
10
30
59
–
36
36
44
27
100
100
100
100
100
100
100
100
100
100
100
100
92
98
98
97
98
100
69
81
82
75
81
87
30
42
–
45
41
50
39
39
–
29
40
38
Establishment characteristics
See footnotes at end of table.
Table 36. Dental care benefits: Coverage for selected services, private industry workers,
2015—continued
(All workers participating in dental care plans = 100 percent)
Orthodontia
Characteristics
Preventive
services1
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Basic
services2
Major
services3
Employee
and
dependent
Total
Dependent
only
100
100
100
100
100
100
100
100
100
100
97
98
96
96
95
71
76
80
76
84
40
45
51
47
56
32
31
29
30
28
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
96
93
97
95
95
98
93
95
97
92
98
98
80
74
83
77
74
88
77
77
80
74
74
63
42
43
41
46
45
57
44
46
44
48
52
46
38
30
41
31
29
31
33
32
35
26
22
16
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
1
2
3
4
Preventive services include routine exams, cleanings, and x-rays, and other preventive care.
Basic services include fillings, dental surgery, periodontal care (treatment for gum disease), and endodontics (root canal therapy).
Major services include procedures such as crowns and prosthetics (replacement of missing teeth with bridgework or dentures).
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above
and below the threshold. The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer
Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 36. Standard errors for dental care benefits: Coverage for selected services, private industry
workers, 2015
Orthodontia
Characteristics
Preventive
services1
Basic
services2
Major
services3
Employee
and
dependent
Total
Dependent
only
Worker characteristics
All workers ...............................................................
(4)
(4)
0.5
1.7
1.9
1.9
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 ....................
4
( )
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
4
( )
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
0.1
0.1
(4)
0.8
0.7
1.1
0.5
1.1
1.1
1.5
1.3
2.1
0.7
0.9
1.0
2.5
3.7
3.1
4.2
2.8
3.9
3.5
3.2
4.5
2.6
3.6
3.4
2.5
3.2
3.7
4.7
2.7
4.9
2.9
4.3
5.0
3.5
4.2
5.4
2.7
3.2
3.3
4.3
2.8
4.1
3.1
4.1
5.6
2.8
3.7
4.6
Full time ...................................................................
Part time ..................................................................
(4)
(4)
(4)
(4)
0.6
1.0
1.8
4.5
1.9
7.9
1.9
4.7
Union .......................................................................
Nonunion .................................................................
(4)
(4)
0.1
(4)
0.5
0.6
2.5
1.9
3.9
2.0
3.9
2.1
Average wage within the following categories5:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
0.9
0.9
0.6
1.1
2.8
2.0
2.2
2.5
3.5
2.2
2.4
3.5
3.6
2.4
2.3
3.5
Goods-producing industries .....................................
Manufacturing ......................................................
(4)
(4)
(4)
(4)
0.8
1.0
2.2
2.6
3.2
3.4
2.5
2.8
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services:
Professional and technical services ...............
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
Leisure and hospitality .........................................
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
0.1
0.3
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
0.7
0.7
2.7
1.2
(4)
(4)
1.1
1.3
0.9
1.5
1.3
2.1
2.2
4.6
2.5
2.2
2.8
4.6
1.9
2.1
2.9
4.0
2.3
3.3
–
3.1
9.5
7.2
–
2.2
1.9
3.0
3.0
2.3
3.6
–
2.1
8.9
7.3
–
2.3
2.6
4.1
3.5
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
2.2
1.3
0.7
1.3
1.6
(4)
6.8
6.1
5.2
4.3
7.2
3.8
7.9
5.9
–
3.9
6.7
6.6
9.0
4.5
–
3.9
5.0
8.5
Establishment characteristics
See footnotes at end of table.
Table 36. Standard errors for dental care benefits: Coverage for selected services, private industry
workers, 2015—continued
Orthodontia
Characteristics
Preventive
services1
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Basic
services2
Major
services3
Employee
and
dependent
Total
Dependent
only
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
0.6
0.6
0.8
1.0
1.2
2.9
6.7
1.8
2.6
2.0
3.4
5.9
2.2
3.3
2.5
3.3
6.4
2.1
3.2
2.7
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
0.1
(4)
0.2
(4)
(4)
0.8
2.7
0.6
1.3
1.4
1.3
3.0
1.4
1.9
1.2
0.4
0.7
2.1
5.7
2.1
2.5
2.7
6.5
5.9
4.3
6.4
4.2
3.9
7.9
4.4
5.0
5.3
3.2
4.1
13.6
3.6
3.3
4.6
4.5
4.5
6.3
5.6
6.5
6.7
3.7
4.8
7.7
7.8
3.1
4.5
2.8
2.9
4.4
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
1
2
3
4
5
Preventive services include routine exams, cleanings, and x-rays, and other preventive care.
Basic services include fillings, dental surgery, periodontal care (treatment for gum disease), and endodontics (root canal therapy).
Major services include procedures such as crowns and prosthetics (replacement of missing teeth with bridgework or dentures).
Less than 0.05.
Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above
and below the threshold. The categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer
Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 37. Dental care benefits: Extent of coverage for selected services, private industry workers, 2015
(All workers participating in dental care plans = 100 percent)
Preventive services1
Characteristics
Full
coverage
Coverage
with limits2
No
coverage
Basic services3
Not
determinable
Full
coverage
Coverage
with limits2
No
coverage
Not
determinable
Worker characteristics
All workers ...............................................................
12
88
–
–
2
98
–
(5)
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 ....................
14
12
15
–
14
15
14
9
–
6
7
–
86
88
85
90
86
85
86
91
93
94
93
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1
–
98
97
99
99
99
98
99
97
97
98
98
98
–
–
–
–
–
–
–
–
–
–
–
–
(5)
(5)
(5)
–
–
–
–
–
–
(5)
(5)
–
Full time ...................................................................
Part time ..................................................................
12
–
88
89
–
–
–
–
2
–
98
96
–
–
(5)
–
Union .......................................................................
Nonunion .................................................................
9
12
91
88
–
–
–
–
5
–
95
99
–
–
(5)
(5)
Average wage within the following categories6:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
8
14
12
15
92
86
88
85
–
–
–
–
–
–
–
–
–
3
–
–
99
97
98
98
–
–
–
–
–
(5)
5
( )
(5)
Goods-producing industries .....................................
Manufacturing ......................................................
6
5
94
95
–
–
–
–
1
1
99
99
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services:
Professional and technical services ...............
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
Leisure and hospitality .........................................
13
9
12
–
–
–
–
23
23
31
13
87
91
88
88
–
96
97
77
77
69
87
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2
–
–
–
98
99
97
100
98
100
100
98
98
97
100
–
–
–
–
–
–
–
–
–
–
–
(5)
(5)
(5)
–
–
–
–
–
–
–
–
–
–
–
6
–
–
77
90
96
94
89
97
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
100
99
100
100
99
97
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 37. Dental care benefits: Extent of coverage for selected services,
private industry workers, 2015—continued
(All workers participating in dental care plans = 100 percent)
Major services4
Characteristics
Full
coverage
Coverage
with limits2
No
coverage
Not
determinable
Worker characteristics
All workers ...............................................................
–
96
3
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
–
–
–
–
–
–
–
–
–
–
–
–
96
97
96
98
93
95
93
96
94
97
97
98
3
3
–
–
6
–
7
–
–
–
–
–
–
–
( )
–
–
1
–
–
–
1
5
( )
1
Full time ...................................................................
Part time ..................................................................
–
–
96
97
4
–
–
(5)
Union .......................................................................
Nonunion .................................................................
–
–
98
96
–
4
(5)
–
Average wage within the following categories6:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
96
96
97
96
4
4
2
–
–
–
–
(5)
Goods-producing industries .....................................
Manufacturing ......................................................
–
–
97
97
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services:
Professional and technical services ...............
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
Leisure and hospitality .........................................
–
–
–
–
–
–
–
–
–
–
–
96
97
95
97
100
100
98
92
93
94
91
4
–
–
–
–
–
–
6
5
–
8
–
1
3
(5)
–
–
–
–
–
3
1
–
–
–
–
–
–
92
98
98
97
97
99
–
–
–
–
–
–
–
–
–
–
–
–
5
Establishment characteristics
See footnotes at end of table.
Table 37. Dental care benefits: Extent of coverage for selected services, private industry workers, 2015—continued
(All workers participating in dental care plans = 100 percent)
Preventive services1
Characteristics
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Full
coverage
Coverage
with limits2
No
coverage
Basic services3
Not
determinable
Full
coverage
Coverage
with limits2
No
coverage
Not
determinable
14
–
11
10
11
86
87
89
90
89
–
–
–
–
–
–
–
–
–
–
–
–
2
–
–
98
99
98
98
98
–
–
–
–
–
–
–
(5)
(5)
–
22
–
25
9
11
–
–
9
10
–
11
–
78
89
75
91
89
95
94
91
90
95
89
87
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
96
98
95
100
99
100
100
98
97
99
99
100
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
(5)
–
(5)
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
See footnotes at end of table.
Table 37. Dental care benefits: Extent of coverage for selected services,
private industry workers, 2015—continued
(All workers participating in dental care plans = 100 percent)
Major services4
Characteristics
Full
coverage
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Coverage
with limits2
No
coverage
Not
determinable
–
–
–
–
–
97
98
96
96
95
3
–
4
4
4
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
96
93
97
95
95
98
93
95
97
92
98
98
3
–
2
5
5
–
–
–
–
8
1
–
–
3
–
–
5
( )
5
( )
1
(5)
–
–
–
(5)
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
1
2
Preventive services include routine exams, cleanings, and x-rays, and other preventive care.
Coverage for dental procedures may be subject to scheduled allowance, deductible, or coinsurance provisions, in
addition to maximum dollar limitations.
3 Basic services include fillings, dental surgery, periodontal care (treatment for gum disease), and endodontics (root canal
therapy).
4 Major services include procedures such as crowns and prosthetics (replacement of missing teeth with bridgework or
dentures).
5 Less than 0.5.
6 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may
include workers with earnings both above and below the threshold. The categories were formed using percentile estimates
generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 37. Standard errors for dental care benefits: Extent of coverage for selected services, private industry workers,
2015
Preventive services1
Characteristics
Full
coverage
Coverage
with limits2
No
coverage
Basic services3
Not
determinable
Full
coverage
Coverage
with limits2
No
coverage
Not
determinable
Worker characteristics
All workers ...............................................................
1.5
1.5
–
–
0.5
0.5
–
(5)
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 ....................
2.3
2.5
2.8
–
1.8
3.3
1.8
2.1
–
1.3
1.8
–
2.3
2.5
2.8
4.5
1.8
3.3
1.8
2.1
2.1
1.3
1.8
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.4
–
0.7
1.4
0.6
1.0
0.5
0.7
0.6
1.2
1.2
0.6
0.4
1.3
–
–
–
–
–
–
–
–
–
–
–
–
(5)
(5)
(5)
–
–
–
–
–
–
0.1
0.1
–
Full time ...................................................................
Part time ..................................................................
1.4
–
1.4
3.7
–
–
–
–
0.5
–
0.5
2.5
–
–
(5)
–
Union .......................................................................
Nonunion .................................................................
1.7
1.6
1.7
1.6
–
–
–
–
1.3
–
1.3
0.5
–
–
0.1
(5)
Average wage within the following categories6:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
1.2
1.7
2.0
3.5
1.2
1.7
2.0
3.5
–
–
–
–
–
–
–
–
–
0.8
–
–
0.7
0.8
0.6
0.7
–
–
–
–
–
(5)
(5)
(5)
Goods-producing industries .....................................
Manufacturing ......................................................
1.0
1.3
1.0
1.3
–
–
–
–
0.3
0.4
0.3
0.4
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services:
Professional and technical services ...............
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
Leisure and hospitality .........................................
1.8
2.2
3.3
–
–
–
–
3.0
3.0
4.2
2.5
1.8
2.2
3.3
3.8
–
3.8
1.0
3.0
3.0
4.2
2.5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.5
–
–
–
0.6
0.8
2.0
(5)
1.7
(5)
0.4
0.5
0.6
1.1
0.3
–
–
–
–
–
–
–
–
–
–
–
(5)
0.1
0.3
–
–
–
–
–
–
–
–
–
–
–
1.8
–
–
7.4
3.1
1.2
1.8
3.7
1.8
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.5
0.5
(5)
(5)
0.5
1.7
–
–
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 37. Standard errors for dental care benefits: Extent of coverage for
selected services, private industry workers, 2015—continued
Major services4
Characteristics
Full
coverage
Coverage
with limits2
No
coverage
Not
determinable
Worker characteristics
All workers ...............................................................
–
0.5
0.5
–
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 ....................
–
–
–
–
–
–
–
–
–
–
–
–
0.8
0.7
1.1
0.5
1.1
1.1
1.5
1.3
2.1
0.7
0.9
1.0
0.8
0.6
–
–
1.1
–
1.4
–
–
–
–
–
–
–
( )
–
–
0.7
–
–
–
0.4
0.1
0.9
Full time ...................................................................
Part time ..................................................................
–
–
0.6
1.0
0.5
–
–
0.1
Union .......................................................................
Nonunion .................................................................
–
–
0.5
0.6
–
0.6
0.1
–
Average wage within the following categories6:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
1.0
0.9
0.6
1.1
0.9
0.9
0.5
–
–
–
–
0.2
Goods-producing industries .....................................
Manufacturing ......................................................
–
–
0.8
1.0
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services:
Professional and technical services ...............
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
Leisure and hospitality .........................................
–
–
–
–
–
–
–
–
–
–
–
0.7
0.7
2.7
1.2
(5)
(5)
1.3
1.3
1.0
1.5
1.3
0.7
–
–
–
–
–
–
1.0
0.7
–
1.3
–
0.6
2.2
0.2
–
–
–
–
–
1.2
0.5
–
–
–
–
–
–
2.2
1.3
0.7
1.3
1.6
0.8
–
–
–
–
–
–
–
–
–
–
–
–
5
Establishment characteristics
See footnotes at end of table.
Table 37. Standard errors for dental care benefits: Extent of coverage for selected services, private industry workers,
2015—continued
Preventive services1
Characteristics
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Full
coverage
Coverage
with limits2
No
coverage
Basic services3
Not
determinable
Full
coverage
Coverage
with limits2
No
coverage
Not
determinable
2.4
–
1.5
2.4
1.8
2.4
4.1
1.5
2.4
1.8
–
–
–
–
–
–
–
–
–
–
–
–
0.5
–
–
0.7
0.6
0.5
0.7
0.7
–
–
–
–
–
–
–
( )
5
( )
–
4.9
–
6.5
1.8
2.9
–
–
1.9
2.7
–
3.1
–
4.9
4.6
6.5
1.8
2.9
1.2
3.0
1.9
2.7
2.4
3.1
6.7
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
2.1
1.9
2.8
0.3
0.5
(5)
(5)
0.8
1.0
1.2
0.7
0.2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.1
–
0.2
–
–
5
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
See footnotes at end of table.
Table 37. Standard errors for dental care benefits: Extent of coverage for
selected services, private industry workers, 2015—continued
Major services4
Characteristics
Full
coverage
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Coverage
with limits2
No
coverage
Not
determinable
–
–
–
–
–
0.6
0.6
0.8
1.0
1.2
0.4
–
0.8
1.0
1.2
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0.8
2.7
0.7
1.3
1.4
1.3
3.0
1.4
1.9
1.2
0.4
0.7
0.6
–
0.5
1.3
1.4
–
–
–
–
1.2
0.3
–
–
2.4
–
–
0.2
5
( )
0.5
0.1
–
–
–
0.2
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
1
2
Preventive services include routine exams, cleanings, and x-rays, and other preventive care.
Coverage for dental procedures may be subject to scheduled allowance, deductible, or coinsurance provisions, in
addition to maximum dollar limitations.
3 Basic services include fillings, dental surgery, periodontal care (treatment for gum disease), and endodontics (root canal
therapy).
4 Major services include procedures such as crowns and prosthetics (replacement of missing teeth with bridgework or
dentures).
5 Less than 0.05.
6 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may
include workers with earnings both above and below the threshold. The categories were formed using percentile estimates
generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 38. Dental care benefits: Coverage for orthodontia, private industry workers,
2015
(All workers participating in dental care plans = 100 percent)
Employee and dependent
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Median
percent of
covered
charges2
Not
determinable
Worker characteristics
All workers ...............................................................
–
47
52
–
50
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
–
–
–
–
–
–
–
–
–
–
–
–
47
45
48
42
49
59
45
40
36
49
39
62
53
54
51
57
49
39
54
60
63
50
60
36
1
(3)
1
–
–
3
–
3
( )
(3)
1
(3)
1
50
50
50
50
50
50
50
50
50
50
50
50
Full time ...................................................................
Part time ..................................................................
–
–
46
56
53
44
–
–
50
50
Union .......................................................................
Nonunion .................................................................
–
–
56
45
44
54
(3)
–
50
50
Average wage within the following categories4:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
50
44
49
52
49
55
51
48
–
1
(3)
(3)
50
50
50
50
Goods-producing industries .....................................
Manufacturing ......................................................
–
–
48
49
52
51
–
–
50
50
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services:
Professional and technical services ...............
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
Leisure and hospitality .........................................
–
–
–
–
–
–
–
–
–
–
–
47
59
48
67
64
34
71
48
50
45
54
52
41
50
33
36
66
29
52
50
55
46
–
(3)
1
–
–
–
–
–
–
–
–
50
50
50
–
50
100
50
50
50
50
50
–
–
–
–
–
–
30
42
48
45
41
49
70
58
51
54
59
47
–
(3)
1
(3)
–
–
50
50
50
50
50
–
Establishment characteristics
See footnotes at end of table.
Table 38. Dental care benefits: Coverage for orthodontia, private industry workers,
2015—continued
(All workers participating in dental care plans = 100 percent)
Dependent only
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Median
percent of
covered
charges2
Not
determinable
Median
lifetime
maximum2
Worker characteristics
All workers ...............................................................
–
30
69
1
50
$1,500
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 ....................
–
–
–
–
–
–
–
–
–
–
–
–
30
31
30
37
25
15
29
38
34
30
35
23
69
69
70
62
74
82
70
62
66
69
65
75
1
(3)
1
1
1
3
1
(3)
3
( )
1
(3)
1
50
50
50
50
50
50
50
50
50
50
50
50
1,500
1,500
1,500
1,200
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
Full time ...................................................................
Part time ..................................................................
–
–
31
22
69
78
1
–
50
50
1,500
1,500
Union .......................................................................
Nonunion .................................................................
–
–
29
30
71
69
(3)
1
50
50
1,500
1,500
Average wage within the following categories4:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
32
32
29
27
67
67
70
73
1
1
(3)
(3)
50
50
50
50
1,500
1,500
1,500
1,500
Goods-producing industries .....................................
Manufacturing ......................................................
–
–
29
26
71
74
–
–
50
50
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 ....................................
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 ...
Health care and social assistance ...................
Leisure and hospitality .........................................
–
–
–
–
–
–
–
–
–
–
–
30
20
–
10
30
59
–
36
36
44
27
69
80
84
90
70
41
92
64
64
56
73
1
(3)
1
–
–
–
–
–
–
–
–
50
50
–
50
50
50
–
50
50
50
50
1,500
1,500
1,500
1,500
1,500
1,750
1,500
1,500
1,500
1,500
1,500
–
–
–
–
–
–
39
39
–
29
40
38
61
61
65
70
60
59
–
(3)
1
(3)
–
4
50
50
–
50
50
50
1,500
1,500
–
1,500
1,500
–
Establishment characteristics
See footnotes at end of table.
Table 38. Dental care benefits: Coverage for orthodontia, private industry workers,
2015—continued
(All workers participating in dental care plans = 100 percent)
Employee and dependent
Characteristics
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Median
percent of
covered
charges2
–
–
–
–
–
40
45
51
47
56
59
55
49
53
43
1
1
–
3
( )
–
50
50
50
50
50
–
–
–
–
–
–
–
–
–
–
–
–
42
43
41
46
45
57
44
46
44
48
52
46
58
57
59
54
55
–
56
54
56
52
45
52
–
–
–
3
( )
1
–
–
(3)
3
( )
–
3
2
50
50
50
50
50
50
50
50
50
50
50
50
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
See footnotes at end of table.
Table 38. Dental care benefits: Coverage for orthodontia, private industry workers,
2015—continued
(All workers participating in dental care plans = 100 percent)
Dependent only
Characteristics
Full
coverage
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Coverage
with limits1
No
coverage
Not
determinable
Median
percent of
covered
charges2
Median
lifetime
maximum2
–
–
–
–
–
32
31
29
30
28
67
68
70
70
71
1
1
1
3
( )
1
50
50
50
50
50
$1,500
1,500
1,500
1,500
1,500
–
–
–
–
–
–
–
–
–
–
–
–
38
30
41
31
29
31
33
32
35
26
22
16
62
70
59
69
70
69
67
68
64
74
76
81
–
–
–
3
( )
1
–
–
3
( )
3
( )
–
3
2
50
50
50
50
50
50
50
50
50
50
50
50
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
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 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings
both above and below the threshold. The categories were formed using percentile estimates generated using data from the National Compensation Survey
publication, "Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 38. Standard errors for dental care benefits: Coverage for orthodontia, private
industry workers, 2015
Employee and dependent
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Median
percent of
covered
charges2
Not
determinable
Worker characteristics
All workers ...............................................................
–
1.9
1.9
–
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 ....................
–
–
–
–
–
–
–
–
–
–
–
–
2.5
3.2
3.7
4.7
2.7
4.9
2.9
4.3
5.0
3.5
4.2
5.4
2.5
3.2
3.8
4.9
2.8
4.9
3.0
4.3
4.9
3.5
4.2
5.4
0.4
0.4
0.5
–
–
1.7
–
0.2
0.4
0.5
0.2
1.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Full time ...................................................................
Part time ..................................................................
–
–
1.9
7.9
2.0
7.9
–
–
0.0
0.0
Union .......................................................................
Nonunion .................................................................
–
–
3.9
2.0
3.9
2.0
0.2
–
0.0
0.0
Average wage within the following categories3:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
3.5
2.2
2.4
3.5
3.5
2.2
2.4
3.5
–
0.4
0.2
(4)
0.0
0.0
0.0
0.0
Goods-producing industries .....................................
Manufacturing ......................................................
–
–
3.2
3.4
3.2
3.4
–
–
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 ....................................
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 ...
Health care and social assistance ...................
Leisure and hospitality .........................................
–
–
–
–
–
–
–
–
–
–
–
2.3
3.3
4.7
3.1
9.5
7.2
5.6
2.2
1.9
3.0
3.0
2.3
3.4
4.7
3.1
9.5
7.2
5.6
2.2
1.9
3.0
3.0
–
0.1
0.3
–
–
–
–
–
–
–
–
0.0
3.2
9.0
–
1.8
27.4
0.0
0.0
0.0
0.0
0.0
–
–
–
–
–
–
7.9
5.9
9.2
3.9
6.7
6.7
7.9
5.9
9.3
3.8
6.7
7.7
–
0.1
0.6
0.4
–
–
0.0
0.0
0.0
0.0
0.0
–
Establishment characteristics
See footnotes at end of table.
Table 38. Standard errors for dental care benefits: Coverage for orthodontia, private industry
workers, 2015—continued
Dependent only
Characteristics
Full
coverage
Coverage
with limits1
No
coverage
Median
percent of
covered
charges2
Not
determinable
Median
lifetime
maximum2
Worker characteristics
All workers ...............................................................
–
1.9
1.9
0.2
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 ....................
–
–
–
–
–
–
–
–
–
–
–
–
2.7
3.2
3.3
4.3
2.8
4.1
3.1
4.1
5.6
2.8
3.7
4.6
2.6
3.2
3.2
4.2
2.9
4.4
3.3
4.1
5.8
2.8
3.7
4.6
0.4
0.4
0.5
0.8
0.6
1.7
0.9
0.2
0.4
0.5
0.2
1.3
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
317
0
0
0
0
0
0
0
0
Full time ...................................................................
Part time ..................................................................
–
–
1.9
4.7
1.9
4.7
0.2
–
0.0
0.0
0
0
Union .......................................................................
Nonunion .................................................................
–
–
3.9
2.1
3.9
2.1
0.2
0.3
0.0
0.0
0
0
Average wage within the following categories3:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
3.6
2.4
2.3
3.5
3.6
2.4
2.3
3.5
0.5
0.4
0.2
(4)
0.0
0.0
0.0
0.0
112
0
0
0
Goods-producing industries .....................................
Manufacturing ......................................................
–
–
2.5
2.8
2.5
2.8
–
–
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 ....................................
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 ...
Health care and social assistance ...................
Leisure and hospitality .........................................
–
–
–
–
–
–
–
–
–
–
–
2.3
3.6
–
2.1
8.9
7.3
–
2.3
2.6
4.1
3.5
2.3
3.6
4.8
2.1
8.9
7.3
3.1
2.3
2.6
4.1
3.5
0.3
0.1
0.3
–
–
–
–
–
–
–
–
0.0
0.0
–
0.0
0.0
0.0
–
0.0
0.0
0.0
0.0
0
0
0
0
0
93
91
0
0
0
0
–
–
–
–
–
–
9.0
4.5
–
3.9
5.0
8.5
9.0
4.5
10.2
4.0
5.0
7.5
–
0.1
0.6
0.4
–
3.0
0.0
0.0
–
0.0
0.0
0.0
0
323
–
0
311
–
Establishment characteristics
See footnotes at end of table.
Table 38. Standard errors for dental care benefits: Coverage for orthodontia, private
industry workers, 2015—continued
Employee and dependent
Characteristics
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Full
coverage
Coverage
with limits1
No
coverage
Not
determinable
Median
percent of
covered
charges2
–
–
–
–
–
3.4
5.9
2.2
3.3
2.5
3.6
6.1
2.2
3.3
2.6
0.9
0.5
–
0.3
–
0.0
0.0
0.0
0.0
0.0
–
–
–
–
–
–
–
–
–
–
–
–
4.5
5.0
5.4
3.2
4.1
13.6
3.6
3.3
4.6
4.5
4.5
6.3
4.4
5.0
5.3
3.2
4.2
–
3.6
3.3
4.5
4.5
4.6
6.7
–
–
–
0.3
0.6
–
–
0.1
0.1
–
0.8
1.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
See footnotes at end of table.
Table 38. Standard errors for dental care benefits: Coverage for orthodontia, private industry
workers, 2015—continued
Dependent only
Characteristics
Full
coverage
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Coverage
with limits1
No
coverage
Not
determinable
Median
percent of
covered
charges2
Median
lifetime
maximum2
–
–
–
–
–
3.3
6.4
2.1
3.2
2.7
3.2
6.3
2.0
3.2
2.6
0.9
0.5
0.3
0.3
0.6
0.0
0.0
0.0
0.0
0.0
$0
77
0
0
0
–
–
–
–
–
–
–
–
–
–
–
–
5.6
6.5
6.7
3.7
4.8
7.7
7.8
3.1
4.5
2.8
2.9
4.4
5.6
6.5
6.7
3.6
4.7
7.7
7.8
3.1
4.6
2.8
2.9
4.4
–
–
–
0.3
0.6
–
–
0.1
0.1
–
0.8
1.2
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
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
1 Coverage for orthodontia care benefits may be subject to scheduled allowance, deductible, or coinsurance provisions, in addition to maximum dollar
amounts.
2
Note: Medians include only those plans that have specified provision
3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings
both above and below the threshold. The categories were formed using percentile estimates generated using data from the National Compensation Survey
publication, "Employer Costs for Employee Compensation - March 2015."
4 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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 39. Dental care benefits: Median percent of covered charges
paid by plan for selected services, private industry workers, 2015
(Includes all workers participating in dental care plans)
Characteristics
Preventive
services1
Basic
services2
Major
services3
Worker characteristics
All workers ...............................................................
100
80
50
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
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
–
80
80
80
80
80
80
80
80
80
80
80
80
50
50
50
50
50
50
50
50
50
50
50
60
Full time ...................................................................
Part time ..................................................................
100
100
80
80
50
50
Union .......................................................................
Nonunion .................................................................
100
100
80
80
50
50
Average wage within the following categories4:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
80
80
80
80
50
50
50
50
Goods-producing industries .....................................
Manufacturing ......................................................
100
100
80
80
50
50
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services:
Professional and technical services ...............
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
Leisure and hospitality .........................................
100
100
100
100
–
100
100
100
100
100
100
80
80
80
80
80
80
80
80
80
80
80
50
50
50
50
60
60
50
50
50
50
50
100
100
100
100
100
100
80
80
80
80
80
80
50
50
50
50
50
50
Establishment characteristics
See footnotes at end of table.
Table 39. Dental care benefits: Median percent of covered charges
paid by plan for selected services, private industry workers,
2015—continued
(Includes all workers participating in dental care plans)
Characteristics
Preventive
services1
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Basic
services2
Major
services3
100
100
100
100
100
80
80
80
80
80
50
50
50
50
50
100
100
100
100
100
100
100
100
100
100
100
100
80
80
80
80
80
80
80
80
80
80
80
80
50
50
50
50
50
50
50
50
50
50
50
50
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
1
2
Preventive services include routine exams, cleanings, and x-rays, and other preventive care.
Basic services include fillings, dental surgery, periodontal care (treatment for gum disease), and
endodontics (root canal therapy).
3 Major services include procedures such as crowns and prosthetics (replacement of missing teeth with
bridgework or dentures).
4 Surveyed occupations are classified into wage categories based on the average wage for the occupation,
which may include workers with earnings both above and below the threshold. The categories were formed using
percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs
for Employee Compensation - March 2015."
Note: For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit
Terms" at www.bls.gov/ncs/ebs/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 39. Standard errors for dental care benefits: Median percent of
covered charges paid by plan for selected services, private industry
workers, 2015
Characteristics
Preventive
services1
Basic
services2
Major
services3
Worker characteristics
All workers ...............................................................
0.0
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 ....................
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
5.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
9.3
Full time ...................................................................
Part time ..................................................................
0.0
0.0
0.0
0.0
0.0
0.0
Union .......................................................................
Nonunion .................................................................
0.0
0.0
0.0
0.0
12.5
0.0
Average wage within the following categories4:
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
Goods-producing industries .....................................
Manufacturing ......................................................
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 ....................................
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 ...
Health care 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
0.0
0.0
0.0
0.0
1.3
0.0
0.0
0.0
0.0
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
0.0
0.0
0.0
0.0
0.0
2.6
0.0
0.0
0.0
0.0
0.0
14.4
0.0
0.0
9.5
Establishment characteristics
See footnotes at end of table.
Table 39. Standard errors for dental care benefits: Median percent of
covered charges paid by plan for selected services, private industry
workers, 2015—continued
Characteristics
Preventive
services1
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Basic
services2
Major
services3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
4.2
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
0.0
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
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
1
2
Preventive services include routine exams, cleanings, and x-rays, and other preventive care.
Basic services include fillings, dental surgery, periodontal care (treatment for gum disease), and
endodontics (root canal therapy).
3 Major services include procedures such as crowns and prosthetics (replacement of missing teeth with
bridgework or dentures).
4 Surveyed occupations are classified into wage categories based on the average wage for the occupation,
which may include workers with earnings both above and below the threshold. The categories were formed using
percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs
for Employee Compensation - March 2015."
Note: For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit
Terms" at www.bls.gov/ncs/ebs/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 40. Dental care benefits: Amount of annual individual deductible,1 private industry workers, 2015
(All workers participating in dental care plans = 100 percent)
Amount of annual individual deductible
Characteristics
With annual
individual
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
With no
annual
individual
deductible
90th
percentile
Not
determinable
Worker characteristics
All workers ...............................................................
77
$25
$50
$50
$50
–
22
1
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
81
81
81
68
79
76
80
69
72
75
82
67
25
25
25
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
$50
50
50
100
75
75
60
–
75
–
50
75
18
19
18
27
20
–
20
31
28
24
17
33
(2)
(2)
1
5
1
–
(2)
–
–
(2)
1
–
Full time ...................................................................
Part time ..................................................................
78
65
25
25
50
–
50
50
50
50
–
–
21
33
1
2
Union .......................................................................
Nonunion .................................................................
62
80
25
25
–
50
50
50
50
50
–
–
36
19
2
1
Average wage within the following categories3:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
78
76
79
79
–
–
25
25
25
25
–
–
50
50
50
50
–
–
50
50
50
50
–
–
50
50
50
50
–
–
75
50
50
50
–
–
21
24
21
20
5
3
2
(2)
2
( )
1
Goods-producing industries .....................................
Manufacturing ......................................................
84
86
25
–
50
50
50
50
50
50
50
50
16
14
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services:
Professional and technical services ...............
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
Leisure and hospitality .........................................
75
76
86
82
58
91
87
83
85
81
90
25
–
–
–
–
25
25
–
25
50
25
50
50
50
50
50
25
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
50
60
50
75
50
50
50
50
50
50
50
75
75
50
75
75
150
50
50
50
50
50
23
22
14
13
42
–
–
17
14
19
9
1
2
1
5
–
–
–
2
( )
1
–
1
72
74
74
72
74
68
25
25
–
25
25
–
–
–
50
50
–
50
50
50
50
50
50
50
50
50
50
50
50
100
50
50
50
50
50
100
–
23
26
28
22
32
–
3
–
–
4
–
Establishment characteristics
See footnotes at end of table.
Table 40. Dental care benefits: Amount of annual individual deductible,1 private industry workers, 2015—continued
(All workers participating in dental care plans = 100 percent)
Amount of annual individual deductible
Characteristics
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
With annual
individual
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
annual
individual
deductible
Not
determinable
77
–
74
78
81
74
$25
–
25
25
–
25
–
–
$50
50
50
50
$50
–
50
50
50
50
$50
–
50
50
50
50
$50
–
50
75
75
75
22
–
26
21
18
25
1
1
1
1
2
1
75
83
73
78
80
68
80
82
77
91
73
80
–
25
25
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
–
75
–
75
50
50
75
50
75
75
–
50
100
–
23
–
25
21
19
32
–
18
23
9
25
19
–
2
–
2
1
1
–
–
(2)
(2)
1
2
1
3
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
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 apply to different
procedures, the sum of the deductible amounts are tabulated.
2 Less than 0.5.
3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Table 40. Standard errors for dental care benefits: Amount of annual individual deductible,1 private industry workers,
2015
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
Worker characteristics
All workers ...............................................................
1.6
$0
$0
$0
$0
–
1.4
0.4
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
1.9
3.1
2.2
6.3
2.6
6.3
2.6
4.1
4.6
4.0
4.6
6.5
0
0
0
0
3
–
1
0
1
0
2
–
0
0
–
13
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
14
–
6
–
0
0
1.8
3.1
2.1
4.9
2.6
–
2.5
4.1
4.6
4.1
4.5
6.5
0.2
0.3
0.3
2.4
0.4
–
0.3
–
–
0.2
0.4
–
Full time ...................................................................
Part time ..................................................................
1.6
5.9
0
0
0
–
0
5
0
5
–
–
1.4
5.8
0.4
1.3
Union .......................................................................
Nonunion .................................................................
4.1
1.7
0
0
–
0
0
0
0
0
–
–
4.0
1.5
1.1
0.4
Average wage within the following categories2:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
2.8
2.3
2.1
3.4
–
–
0
0
0
0
–
–
0
0
0
0
–
–
0
0
0
0
–
–
0
0
0
0
–
–
0
5
0
0
–
–
2.8
2.3
2.0
3.4
2.7
2.8
0.5
0.2
0.2
0.4
Goods-producing industries .....................................
Manufacturing ......................................................
2.7
2.6
0
–
0
0
0
0
0
0
8
10
2.7
2.6
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services:
Professional and technical services ...............
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
Leisure and hospitality .........................................
1.9
3.7
4.1
3.8
8.5
3.4
4.1
1.6
1.2
2.0
1.9
0
–
–
–
–
0
0
–
2
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
15
0
0
12
0
0
0
0
0
0
8
0
12
0
0
0
13
0
0
0
0
1.6
3.6
4.1
3.4
8.5
–
–
1.7
1.3
2.0
1.6
0.5
0.7
0.4
1.5
–
–
–
0.5
0.5
–
1.3
9.0
5.3
5.4
4.4
6.2
7.5
0
0
–
6
0
–
–
–
0
0
–
0
0
0
0
0
0
0
0
0
0
0
0
24
0
0
0
0
0
0
–
3.9
5.4
4.4
4.5
7.5
–
1.5
–
–
1.8
–
Establishment characteristics
See footnotes at end of table.
Table 40. Standard errors for dental care benefits: Amount of annual individual deductible,1 private industry workers,
2015—continued
Amount of annual individual deductible
Characteristics
With annual
individual
deductible
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
90th
percentile
With no
annual
individual
deductible
Not
determinable
2.3
–
5.1
2.0
2.7
2.2
$0
–
0
0
–
0
–
–
$0
0
0
0
$0
–
0
0
0
0
$0
–
0
0
0
0
$0
–
0
0
3
9
2.3
–
5.1
1.8
2.2
2.2
0.4
0.5
0.6
0.5
0.9
0.3
3.0
5.8
3.5
2.7
1.9
7.0
6.9
2.4
3.5
2.5
4.0
3.7
–
0
4
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
–
7
–
11
5
0
0
0
0
0
–
10
25
–
2.9
–
3.4
2.7
1.8
7.0
–
2.4
3.5
2.1
3.1
4.4
–
0.7
–
1.0
0.2
0.3
–
–
0.3
0.1
0.7
1.2
1.0
1.7
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
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 apply to different
procedures, the sum of the deductible amounts are tabulated.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 41. Dental care benefits: Amount of annual family deductible,1 private industry workers, 2015
(All workers participating in dental care plans = 100 percent)
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
Worker characteristics
All workers ...............................................................
67
$75
$100
$150
$150
$200
32
1
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
71
73
69
60
66
66
65
58
60
66
71
60
75
75
75
–
100
100
100
75
75
75
75
–
100
100
–
150
150
150
150
100
100
100
100
100
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
150
225
150
150
150
150
150
150
150
150
150
300
225
225
225
–
225
–
150
225
29
26
30
35
33
–
34
42
40
34
29
40
(2)
(2)
1
5
1
–
(2)
–
–
(2)
1
–
Full time ...................................................................
Part time ..................................................................
68
50
75
75
100
–
150
150
150
200
200
300
31
48
1
2
Union .......................................................................
Nonunion .................................................................
54
69
50
75
100
100
150
150
150
150
150
200
44
30
2
1
Average wage within the following categories3:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
65
66
69
72
–
–
–
75
75
75
–
–
150
100
100
100
–
–
150
150
150
150
–
–
150
150
150
150
–
–
225
150
150
150
–
–
33
34
30
27
5
3
2
(2)
2
( )
1
Goods-producing industries .....................................
Manufacturing ......................................................
72
74
75
75
100
100
150
150
150
150
–
–
28
26
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services:
Professional and technical services ...............
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
Leisure and hospitality .........................................
65
68
77
76
53
47
83
65
68
59
79
75
75
75
–
–
75
75
75
75
100
75
100
100
–
150
100
75
100
–
–
–
100
150
150
150
–
–
75
–
150
150
150
150
150
200
150
225
–
–
150
150
150
150
150
225
225
–
225
225
150
150
150
150
150
150
34
30
22
19
47
53
17
34
31
41
20
1
2
1
5
–
–
–
2
( )
1
–
1
69
59
69
69
58
57
75
–
–
75
–
150
–
150
–
150
150
150
150
150
150
150
150
–
150
150
150
150
150
300
150
150
150
150
150
300
31
38
31
31
39
43
–
3
–
–
4
–
Establishment characteristics
See footnotes at end of table.
Table 41. Dental care benefits: Amount of annual family deductible,1 private industry workers, 2015—continued
(All workers participating in dental care plans = 100 percent)
Amount of annual family deductible
Characteristics
With annual
family
deductible
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
annual
family
deductible
Not
determinable
65
–
61
68
74
60
$75
–
75
75
–
75
$100
–
100
100
100
100
$150
–
150
150
150
150
$150
–
150
150
150
150
$150
–
150
225
225
200
34
–
38
31
24
40
1
1
1
1
2
1
68
76
66
68
72
56
67
71
71
71
60
60
–
75
–
75
–
50
100
–
75
75
75
–
–
–
–
–
–
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
–
200
200
200
–
–
225
150
225
225
150
200
300
–
30
–
32
31
27
44
–
29
29
28
38
39
–
2
–
2
1
1
–
–
(2)
(2)
1
2
1
3
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
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 apply to different
procedures, the sum of the deductible amounts are tabulated.
2 Less than 0.5.
3 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 41. Standard errors for dental care benefits: Amount of annual family deductible,1 private industry workers, 2015
(All workers participating in dental care plans = 100 percent)
Amount of annual family deductible
Characteristics
With annual
family
deductible
10th
percentile
50th
percentile
(median)
25th
percentile
75th
percentile
With no
annual
family
deductible
90th
percentile
Not
determinable
Worker characteristics
All workers ...............................................................
1.6
$0
$0
$0
$0
$6
1.6
0.4
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
2.6
3.2
3.5
7.5
2.8
5.8
3.3
4.0
4.4
4.2
4.5
6.9
0
0
6
–
26
27
28
0
0
0
0
–
0
29
–
13
22
33
22
5
11
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
21
0
0
0
0
0
0
0
0
0
0
0
0
0
0
21
–
18
–
29
18
2.5
3.2
3.5
6.4
2.8
–
3.2
4.0
4.4
4.2
4.5
6.9
0.2
0.3
0.3
2.4
0.4
–
0.3
–
–
0.2
0.4
–
Full time ...................................................................
Part time ..................................................................
1.7
5.6
0
0
0
–
0
0
0
46
26
71
1.6
5.7
0.4
1.3
Union .......................................................................
Nonunion .................................................................
4.4
1.7
6
0
29
16
27
0
0
0
36
14
4.3
1.8
1.1
0.4
Average wage within the following categories2:
Lowest 25 percent ...............................................
Lowest 10 percent ...........................................
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
3.7
2.4
2.5
3.5
–
–
–
0
0
0
–
–
0
0
0
0
–
–
0
0
0
0
–
–
0
0
0
0
–
–
0
35
0
0
–
–
3.7
2.4
2.4
3.5
2.7
2.8
0.5
0.2
0.2
0.4
Goods-producing industries .....................................
Manufacturing ......................................................
3.1
2.7
0
0
0
0
0
0
0
0
–
–
3.1
2.7
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services:
Professional and technical services ...............
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
Leisure and hospitality .........................................
1.8
3.6
3.5
3.9
9.0
8.6
4.7
3.5
3.0
4.5
3.1
0
6
19
–
–
0
22
0
0
22
0
0
29
–
0
0
0
0
–
–
–
0
0
0
0
–
–
0
–
0
0
0
0
0
35
0
0
–
–
0
0
0
0
0
27
0
–
0
5
0
0
0
0
0
0
1.8
3.5
3.4
3.5
9.0
8.6
4.7
3.4
2.9
4.5
3.2
0.5
0.7
0.4
1.5
–
–
–
0.5
0.5
–
1.3
8.9
4.5
6.2
4.5
5.2
10.5
0
–
–
0
–
13
–
0
–
16
0
0
42
0
0
0
0
–
0
0
0
0
0
0
0
0
0
0
0
0
8.9
4.5
6.2
4.5
5.2
10.5
–
1.5
–
–
1.8
–
Establishment characteristics
See footnotes at end of table.
Table 41. Standard errors for dental care benefits: Amount of annual family deductible,1 private industry workers,
2015—continued
(All workers participating in dental care plans = 100 percent)
Amount of annual family deductible
Characteristics
1 to 99 workers ........................................................
1 to 49 workers ....................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
With annual
family
deductible
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
annual
family
deductible
Not
determinable
3.3
–
6.6
2.1
2.9
2.5
$0
–
0
5
–
5
$17
–
8
5
27
0
$0
–
0
0
0
0
$0
–
0
0
0
0
$0
–
0
25
14
32
3.3
–
6.5
1.9
2.4
2.5
0.4
0.5
0.6
0.5
0.9
0.3
3.5
4.3
4.4
2.8
1.5
6.7
8.1
3.1
3.9
5.0
3.2
7.0
–
0
–
0
–
0
0
–
0
0
0
–
–
–
–
–
–
0
0
0
22
0
–
0
22
–
–
0
0
0
0
9
0
0
0
0
0
0
0
–
0
0
0
0
0
0
0
0
0
0
0
26
–
23
36
27
–
–
0
16
39
25
32
34
0
–
3.3
–
4.1
2.9
1.5
6.7
–
3.1
3.9
5.2
3.2
7.1
–
0.7
–
1.0
0.2
0.3
–
–
0.3
0.1
0.7
1.2
1.0
1.7
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
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 apply to different
procedures, the sum of the deductible amounts are tabulated.
2 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Table 42. Dental care benefits: Amount of annual plan maximum,1 private industry workers, 2015
(All workers participating in dental care plans = 100 percent)
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
Worker characteristics
All workers ...............................................................
90
$1,000
$1,200
$1,500
$2,000
$2,000
8
2
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
90
88
91
89
90
89
91
92
92
90
96
84
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,200
1,500
1,200
1,000
1,200
1,500
1,000
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
1,500
1,500
2,000
2,000
2,000
1,500
2,000
2,000
2,000
2,000
2,000
1,750
1,500
2,000
2,000
2,000
2,000
2,000
2,500
2,500
2,000
2,000
–
2,000
2,000
2,500
8
10
7
–
8
9
8
7
8
9
–
15
2
2
3
–
2
2
2
(2)
1
1
–
2
Full time ...................................................................
Part time ..................................................................
91
79
1,000
1,000
1,200
1,000
1,500
1,500
2,000
2,000
2,000
2,000
8
20
2
2
Union .......................................................................
Nonunion .................................................................
86
91
1,000
1,000
1,250
1,200
1,500
1,500
1,800
2,000
2,000
2,000
13
8
1
2
Average wage within the following categories3:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
91
89
90
92
1,000
1,000
1,000
1,000
1,000
1,200
1,250
1,250
1,500
1,500
1,500
1,500
2,000
1,850
2,000
2,000
2,000
2,000
2,000
2,000
8
9
8
8
1
1
2
(2)
Goods-producing industries .....................................
Manufacturing ......................................................
95
94
1,000
1,000
1,200
1,200
1,500
1,500
1,850
1,800
2,000
2,000
5
5
(2)
(2)
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services:
Professional and technical services ...............
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
Leisure and hospitality .........................................
89
89
91
90
83
96
90
88
88
83
93
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,200
1,400
1,400
1,250
1,500
1,250
1,500
1,200
1,200
1,200
1,200
1,500
1,500
1,500
1,850
–
1,500
1,500
1,500
1,500
1,500
1,500
2,000
2,000
1,800
2,500
2,000
1,750
2,000
2,000
2,000
2,000
–
2,000
2,500
2,000
2,500
2,500
2,000
2,000
2,000
2,000
2,000
2,000
10
10
–
–
–
–
–
11
12
16
7
2
1
–
–
–
–
–
2
( )
2
( )
(2)
–
98
86
86
90
86
91
1,000
1,000
1,000
1,000
1,000
1,000
1,200
1,200
–
1,250
1,200
1,500
1,500
1,500
1,500
1,500
1,500
1,500
–
1,500
2,000
2,000
1,500
1,500
–
2,000
2,000
3,000
2,000
2,000
–
–
–
9
–
–
–
–
–
1
–
–
Establishment characteristics
See footnotes at end of table.
Table 42. Dental care benefits: Amount of annual plan maximum,1 private industry workers, 2015—continued
(All workers participating in dental care plans = 100 percent)
Amount of annual plan maximum
Characteristics
With annual
maximum
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
annual
maximum
Not
determinable
89
85
91
90
91
$1,000
1,000
1,000
1,000
1,000
$1,000
1,200
1,200
1,200
1,250
$1,500
1,500
1,500
1,500
1,500
$1,800
2,000
2,000
2,000
2,000
$2,000
2,000
2,000
2,250
2,000
7
8
9
9
9
3
7
(2)
(2)
(2)
89
91
89
92
90
92
95
93
93
93
85
80
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,200
1,500
1,200
1,200
1,200
1,250
1,200
1,000
1,000
1,000
1,500
1,200
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
1,500
2,000
1,500
2,000
1,750
1,500
2,000
–
1,500
1,500
1,500
2,000
2,000
2,000
2,000
2,000
2,000
2,000
2,000
2,000
2,000
2,000
2,000
2,000
2,000
11
–
–
7
9
8
–
6
6
6
10
9
(2)
–
–
1
1
–
–
(2)
(2)
(2)
5
11
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
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 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 42. Standard errors for dental care benefits: Amount of annual plan maximum,1 private industry workers, 2015
Amount of annual plan maximum
Characteristics
With annual
maximum
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
With no
annual
maximum
90th
percentile
Not
determinable
Worker characteristics
All workers ...............................................................
1.3
$0
$0
$0
$96
$0
0.9
0.9
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 ....................
2.1
2.4
2.5
4.5
1.5
2.2
1.9
1.5
1.9
2.2
1.3
4.0
0
0
0
0
0
0
0
0
0
0
0
0
13
351
0
141
223
0
97
197
82
248
0
187
0
0
0
0
0
0
0
0
0
0
0
0
52
0
362
0
0
0
0
391
427
301
0
52
0
0
0
0
213
0
0
0
–
0
0
233
1.2
2.2
1.0
–
1.3
2.2
1.5
1.4
1.8
2.1
–
3.9
1.9
1.1
2.5
–
0.7
0.6
1.0
0.2
0.4
0.7
–
1.5
Full time ...................................................................
Part time ..................................................................
1.3
4.8
0
0
0
103
0
0
81
466
0
91
0.9
4.4
1.0
1.6
Union .......................................................................
Nonunion .................................................................
3.1
1.5
0
0
153
89
0
0
162
53
0
0
2.9
1.0
0.8
1.1
Average wage within the following categories2:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
1.4
1.5
1.8
1.6
0
0
0
0
115
63
173
270
0
0
0
0
399
158
0
0
494
0
0
0
1.4
1.2
1.1
1.5
0.3
1.1
1.6
0.4
Goods-producing industries .....................................
Manufacturing ......................................................
0.8
0.9
0
0
231
102
0
0
151
143
0
0
1.0
1.1
0.4
0.4
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Wholesale trade ...............................................
Retail trade ......................................................
Transportation and warehousing .....................
Utilities .............................................................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Insurance carriers and related activities ......
Professional and business services:
Professional and technical services ...............
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
Leisure and hospitality .........................................
1.6
2.2
3.1
2.8
5.2
1.6
4.0
1.0
1.4
2.2
1.9
0
0
0
0
0
126
0
0
0
0
0
0
186
253
368
0
49
0
255
55
277
268
0
0
0
142
–
0
0
0
0
0
0
46
0
140
0
555
46
46
0
0
0
–
0
0
0
0
0
73
0
0
0
0
0
1.2
2.1
–
–
–
–
–
1.0
1.4
2.2
1.9
1.2
0.3
–
–
–
–
–
0.1
0.1
0.3
–
1.1
4.8
4.4
1.9
5.6
4.4
0
0
0
0
0
0
106
82
–
253
82
353
0
0
63
0
144
0
–
0
0
0
0
232
–
0
0
795
217
324
–
–
–
2.0
–
–
–
–
–
0.2
–
–
Establishment characteristics
See footnotes at end of table.
Table 42. Standard errors for dental care benefits: Amount of annual plan maximum,1 private industry workers,
2015—continued
Amount of annual plan maximum
Characteristics
With annual
maximum
1 to 99 workers ........................................................
50 to 99 workers ..................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
With no
annual
maximum
Not
determinable
2.5
6.6
1.2
2.0
1.4
$0
0
0
0
0
$0
138
29
73
145
$0
0
0
0
0
$341
279
0
225
0
$0
500
0
442
0
1.1
2.0
1.2
2.0
1.2
2.5
6.9
0.2
0.2
0.4
3.0
6.0
3.3
1.1
1.8
1.5
1.4
0.8
1.0
1.4
3.8
9.0
0
0
0
0
0
0
0
0
0
0
0
0
94
350
34
200
251
234
280
0
0
0
325
223
0
0
0
0
0
0
0
76
176
0
0
0
280
369
149
316
267
145
–
0
0
0
0
200
0
0
0
0
0
0
0
0
0
0
129
0
3.0
–
–
1.0
1.8
1.5
–
1.0
1.3
1.6
2.3
1.3
(3)
–
–
0.1
0.2
–
–
0.3
0.5
0.2
3.4
9.8
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
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 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold. The
categories were formed using percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 43. Vision care benefits:1 Coverage for selected services, private
industry workers, 2015
(All workers participating in vision care plans = 100 percent)
Characteristics
Eye exams
Glasses
Contact
lenses2
Worker characteristics
All workers ...............................................................
100
100
94
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 ....................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
93
94
92
92
93
96
92
100
99
97
99
96
Full time ...................................................................
Part time ..................................................................
100
100
100
100
95
87
Union .......................................................................
Nonunion .................................................................
100
100
100
100
95
94
Average wage within the following categories3:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
100
100
100
100
100
100
100
100
92
95
95
99
Goods-producing industries .....................................
Manufacturing ......................................................
100
100
100
100
100
100
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
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 ...
Health care and social assistance ...................
100
100
100
100
100
100
100
100
100
100
100
100
100
100
92
95
97
99
98
97
100
100
100
99
98
100
100
100
100
100
100
100
83
95
90
81
Establishment characteristics
See footnotes at end of table.
Table 43. Vision care benefits:1 Coverage for selected services, private
industry workers, 2015—continued
(All workers participating in vision care plans = 100 percent)
Characteristics
Eye exams
1 to 99 workers:
50 to 99 workers ................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Glasses
Contact
lenses2
100
100
100
100
100
100
100
100
85
98
100
96
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
96
100
95
99
99
99
99
98
98
98
87
77
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
1
2
Includes plans with employer-provided discount cards if there is a cost to the employer.
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 Surveyed occupations are classified into wage categories based on the average wage for the occupation,
which may include workers with earnings both above and below the threshold. The categories were formed using
percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs
for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 43. Standard errors for vision care benefits:1 Coverage for
selected services, private industry workers, 2015
Characteristics
Eye exams
Contact
lenses2
Glasses
Worker characteristics
(3)
(3)
1.9
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 ....................
0.1
(3)
0.1
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
3
( )
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
3.5
3.2
4.4
3.8
2.4
2.4
3.3
0.5
1.0
2.3
0.6
4.2
Full time ...................................................................
Part time ..................................................................
(3)
(3)
(3)
(3)
2.0
5.6
Union .......................................................................
Nonunion .................................................................
(3)
(3)
(3)
(3)
0.9
2.3
Average wage within the following categories4:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
(3)
(3)
0.1
(3)
(3)
(3)
(3)
(3)
3.1
2.2
2.9
0.6
Goods-producing industries .....................................
Manufacturing ......................................................
(3)
(3)
(3)
(3)
(3)
(3)
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
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 ...
Health care and social assistance ...................
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
2.4
3.0
2.2
0.9
1.1
2.2
(3)
(3)
0.1
0.9
1.6
(3)
(3)
(3)
(3)
(3)
(3)
(3)
7.6
1.4
1.6
8.6
All workers ...............................................................
Establishment characteristics
See footnotes at end of table.
Table 43. Standard errors for vision care benefits:1 Coverage for
selected services, private industry workers, 2015—continued
Characteristics
Eye exams
1 to 99 workers:
50 to 99 workers ................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Glasses
Contact
lenses2
(3)
(3)
0.1
(3)
(3)
(3)
(3)
(3)
9.7
0.4
0.2
0.8
(3)
(3)
(3)
(3)
(3)
(3)
(3)
0.1
(3)
0.3
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
1.8
(3)
2.2
0.3
0.4
1.0
0.7
1.0
1.5
1.2
5.0
10.7
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
1
2
Includes plans with employer-provided discount cards if there is a cost to the employer.
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 Surveyed occupations are classified into wage categories based on the average wage for the occupation,
which may include workers with earnings both above and below the threshold. The categories were formed using
percentile estimates generated using data from the National Compensation Survey publication, "Employer Costs
for Employee Compensation - March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 44. Vision care benefits:1 Extent of coverage for selected services, private industry workers, 2015
(All workers participating in vision care plans = 100 percent)
Eye exams
Characteristics
Full
coverage
Coverage
with limits2
Glasses
No
coverage
Not
determinable
Full
coverage
Coverage
with limits2
No
coverage
Not
determinable
Worker characteristics
All workers ...............................................................
11
89
–
–
7
93
–
–
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 ....................
10
6
13
13
9
–
11
–
15
13
18
9
90
94
87
87
91
96
89
87
85
87
82
91
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
7
–
8
–
–
–
–
–
–
–
–
–
93
95
92
88
95
95
95
95
92
95
95
95
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
10
–
89
82
–
–
–
–
7
–
93
95
–
–
–
–
Union .......................................................................
Nonunion .................................................................
18
10
82
90
–
–
–
–
14
5
86
95
–
–
–
–
Average wage within the following categories5:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
13
11
10
7
87
89
90
93
–
–
–
–
–
–
–
–
–
7
7
–
93
93
93
95
–
–
–
–
–
–
–
–
Goods-producing industries .....................................
Manufacturing ......................................................
12
11
88
89
–
–
–
–
–
–
98
98
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
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 ...
Health care and social assistance ...................
11
10
–
15
15
–
16
89
90
91
85
85
90
84
–
–
–
–
–
–
–
–
–
–
–
–
–
–
8
–
–
–
–
–
–
92
90
98
96
95
100
86
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
20
–
–
21
98
80
89
80
79
–
–
–
–
–
–
–
–
–
–
–
12
–
–
12
100
88
94
88
88
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 44. Vision care benefits:1 Extent of coverage for selected services,
private industry workers, 2015—continued
(All workers participating in vision care plans = 100 percent)
Contact lenses3
Characteristics
Full
coverage
Coverage
with limits2
No
coverage
Not
determinable
Worker characteristics
All workers ...............................................................
2
92
–
–
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 ....................
–
–
–
–
–
–
–
–
–
–
–
–
90
92
89
87
93
95
92
99
98
97
99
96
–
–
–
–
–
–
–
–
–
–
–
–
6
5
6
7
3
1
4
4
( )
1
2
–
4
Full time ...................................................................
Part time ..................................................................
2
–
93
86
–
–
–
4
Union .......................................................................
Nonunion .................................................................
–
–
91
93
–
–
4
4
Average wage within the following categories5:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
90
93
93
97
–
–
–
–
4
4
5
(4)
Goods-producing industries .....................................
Manufacturing ......................................................
–
–
100
100
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
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 ...
Health care and social assistance ...................
2
–
–
–
–
–
–
90
95
92
93
92
94
86
–
–
–
–
–
–
–
–
3
–
–
–
–
–
–
–
–
–
–
100
78
95
90
76
–
–
–
–
–
–
12
5
9
13
Establishment characteristics
See footnotes at end of table.
Table 44. Vision care benefits:1 Extent of coverage for selected services, private industry workers, 2015—continued
(All workers participating in vision care plans = 100 percent)
Eye exams
Characteristics
1 to 99 workers:
50 to 99 workers ................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Full
coverage
Coverage
with limits2
Glasses
No
coverage
Not
determinable
Full
coverage
Coverage
with limits2
No
coverage
Not
determinable
–
14
12
16
97
86
88
84
–
–
–
–
–
–
–
–
–
9
–
12
100
91
96
88
–
–
–
–
–
–
–
–
20
–
20
9
–
–
–
13
16
6
–
–
80
79
80
91
90
86
95
87
84
94
93
94
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
14
–
–
7
10
–
–
–
–
–
–
–
86
76
88
93
90
99
94
94
92
97
97
100
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
See footnotes at end of table.
Table 44. Vision care benefits:1 Extent of coverage for selected services,
private industry workers, 2015—continued
(All workers participating in vision care plans = 100 percent)
Contact lenses3
Characteristics
Full
coverage
1 to 99 workers:
50 to 99 workers ................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Coverage
with limits2
No
coverage
Not
determinable
–
–
–
–
84
95
99
92
–
–
–
–
13
2
(4)
3
–
–
–
–
–
–
–
–
–
–
–
–
90
100
88
99
99
98
99
97
98
95
85
–
–
–
–
–
–
–
–
–
–
–
–
–
2
–
2
4
( )
4
( )
1
–
1
2
1
10
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
1
2
3
Includes plans with employer-provided discount cards if there is a cost to the employer.
Includes plans subject to copayment, cash allowance, and retail discount.
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.
4 Less than 0.5.
5 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may
include workers with earnings both above and below the threshold. The categories were formed using percentile estimates
generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 44. Standard errors for vision care benefits:1 Extent of coverage for selected services, private industry workers,
2015
Eye exams
Characteristics
Full
coverage
Coverage
with limits2
Glasses
No
coverage
Not
determinable
Full
coverage
Coverage
with limits2
No
coverage
Not
determinable
Worker characteristics
All workers ...............................................................
1.4
1.4
–
–
1.1
1.1
–
–
Management, professional, and related ..................
Management, business, and financial .................
Professional and related ......................................
Service .....................................................................
Sales and office .......................................................
Sales and related .................................................
Office and administrative support ........................
Natural resources, construction, and maintenance
Installation, maintenance, and repair ...................
Production, transportation, and material moving .....
Production ............................................................
Transportation and material moving ....................
2.1
1.5
2.9
3.8
2.1
–
2.8
–
3.8
2.6
4.7
2.5
2.1
1.5
2.9
3.8
2.1
1.5
2.8
4.0
3.8
2.6
4.7
2.5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.7
–
2.4
–
–
–
–
–
–
–
–
–
1.7
1.7
2.4
3.8
1.6
2.3
2.2
2.2
3.4
1.7
1.7
2.7
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Full time ...................................................................
Part time ..................................................................
1.3
–
1.3
5.8
–
–
–
–
1.1
–
1.1
2.2
–
–
–
–
Union .......................................................................
Nonunion .................................................................
3.5
1.5
3.5
1.5
–
–
–
–
2.4
1.1
2.4
1.1
–
–
–
–
Average wage within the following categories4:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
3.6
1.9
1.9
1.9
3.6
1.9
1.9
1.9
–
–
–
–
–
–
–
–
–
1.7
1.7
–
2.4
1.7
1.7
1.7
–
–
–
–
–
–
–
–
Goods-producing industries .....................................
Manufacturing ......................................................
2.4
2.8
2.4
2.8
–
–
–
–
–
–
0.8
0.8
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
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 ...
Health care and social assistance ...................
1.6
2.3
–
4.1
3.3
–
4.5
1.6
2.3
3.9
4.1
3.3
3.8
4.5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
1.3
–
–
–
–
–
–
1.3
3.3
1.6
1.4
1.7
0.4
4.3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
4.6
–
–
5.1
1.9
4.6
4.7
7.3
5.1
–
–
–
–
–
–
–
–
–
–
–
3.2
–
–
3.6
(5)
3.2
4.0
6.7
3.6
–
–
–
–
–
–
–
–
–
–
Establishment characteristics
See footnotes at end of table.
Table 44. Standard errors for vision care benefits:1 Extent of coverage for
selected services, private industry workers, 2015—continued
Contact lenses3
Characteristics
Full
coverage
Coverage
with limits2
No
coverage
Not
determinable
Worker characteristics
All workers ...............................................................
0.5
1.9
–
–
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 ....................
–
–
–
–
–
–
–
–
–
–
–
–
3.4
3.3
4.3
4.1
2.3
2.5
3.3
0.8
1.7
2.3
0.8
4.2
–
–
–
–
–
–
–
–
–
–
–
–
3.5
3.2
4.3
3.8
1.7
0.6
2.5
0.5
1.0
2.3
–
4.2
Full time ...................................................................
Part time ..................................................................
0.5
–
2.0
5.6
–
–
–
3.4
Union .......................................................................
Nonunion .................................................................
–
–
1.4
2.3
–
–
0.5
2.2
Average wage within the following categories4:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
–
–
–
–
3.1
2.2
2.8
1.1
–
–
–
–
0.9
2.2
2.9
0.2
Goods-producing industries .....................................
Manufacturing ......................................................
–
–
0.5
(5)
–
–
–
–
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
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 ...
Health care and social assistance ...................
0.6
–
–
–
–
–
–
2.3
3.0
4.1
2.0
2.5
3.1
4.3
–
–
–
–
–
–
–
–
2.2
–
–
–
–
–
–
–
–
–
–
(5)
6.9
1.4
1.6
7.6
–
–
–
–
–
–
7.4
1.2
1.3
8.5
Establishment characteristics
See footnotes at end of table.
Table 44. Standard errors for vision care benefits:1 Extent of coverage for selected services, private industry workers,
2015—continued
Eye exams
Characteristics
1 to 99 workers:
50 to 99 workers ................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Full
coverage
Coverage
with limits2
Glasses
No
coverage
Not
determinable
Full
coverage
Coverage
with limits2
No
coverage
Not
determinable
–
2.0
2.5
3.4
1.5
2.0
2.5
3.4
–
–
–
–
–
–
–
–
–
1.5
–
2.4
0.2
1.5
1.9
2.4
–
–
–
–
–
–
–
–
3.8
–
4.4
2.2
–
–
–
2.9
4.3
1.4
–
–
3.8
11.5
4.4
2.2
3.3
8.1
2.4
2.9
4.3
1.4
2.3
3.3
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
4.1
–
–
1.6
0.9
–
–
–
–
–
–
–
4.1
13.4
4.2
1.6
0.9
1.3
4.7
2.3
3.4
1.2
1.2
0.5
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
See footnotes at end of table.
Table 44. Standard errors for vision care benefits:1 Extent of coverage for
selected services, private industry workers, 2015—continued
Contact lenses3
Characteristics
Full
coverage
1 to 99 workers:
50 to 99 workers ................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Coverage
with limits2
No
coverage
Not
determinable
–
–
–
–
9.6
0.8
0.7
1.6
–
–
–
–
9.7
0.2
0.2
0.4
–
–
–
–
–
–
–
–
–
–
–
–
2.0
(5)
2.3
0.3
0.4
0.3
0.8
1.2
1.5
2.0
4.9
–
–
–
–
–
–
–
–
–
–
–
–
–
0.5
–
0.6
0.2
0.4
0.8
–
0.9
1.4
0.6
4.9
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
East South Central ...............................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
1
2
3
Includes plans with employer-provided discount cards if there is a cost to the employer.
Includes plans subject to copayment, cash allowance, and retail discount.
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.
4 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may
include workers with earnings both above and below the threshold. The categories were formed using percentile estimates
generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation March 2015."
5 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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 45. Vision care benefits:1 Median copayments for selected services,
private industry workers, 2015
(Includes all workers participating in vision care plans)
Characteristics
Eye exams
Contact lenses2
Glasses
Worker characteristics
All workers ...............................................................
$10
$25
$25
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 ....................
10
10
10
–
10
10
10
–
–
10
10
10
25
25
–
25
–
25
20
20
25
20
–
20
25
25
25
25
–
25
15
25
25
25
25
25
Full time ...................................................................
Part time ..................................................................
10
10
25
25
25
25
Union .......................................................................
Nonunion .................................................................
10
10
20
25
25
25
Average wage within the following categories3:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
10
10
10
10
25
20
25
25
–
25
25
25
Goods-producing industries .....................................
Manufacturing ......................................................
10
10
–
25
25
25
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Professional and business services:
Professional and technical services ...............
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
10
10
–
10
10
10
25
20
20
20
–
–
25
–
–
–
–
–
10
10
10
10
10
25
20
25
25
20
25
–
10
–
–
Establishment characteristics
See footnotes at end of table.
Table 45. Vision care benefits:1 Median copayments for selected services,
private industry workers, 2015—continued
(Includes all workers participating in vision care plans)
Characteristics
Eye exams
1 to 99 workers:
50 to 99 workers ................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Contact lenses2
Glasses
$10
10
10
10
$15
25
25
–
$25
25
25
25
10
10
10
10
10
–
10
10
10
10
10
20
20
20
20
–
25
25
25
25
25
–
–
25
–
25
25
25
25
25
25
25
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
1
2
Includes plans with employer-provided discount cards if there is a cost to the employer.
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 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may
include workers with earnings both above and below the threshold. The categories were formed using percentile estimates
generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.
Table 45. Standard errors for vision care benefits:1 Median copayments for
selected services, private industry workers, 2015
Characteristics
Eye exams
Contact lenses2
Glasses
Worker characteristics
All workers ...............................................................
$0
$6
$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 ....................
0
0
0
–
1
0
3
–
–
0
1
0
5
4
–
0
–
6
5
5
5
2
–
2
0
0
3
0
–
0
3
2
1
0
0
3
Full time ...................................................................
Part time ..................................................................
0
0
7
1
0
0
Union .......................................................................
Nonunion .................................................................
0
0
4
5
0
0
Average wage within the following categories3:
Second 25 percent ...............................................
Third 25 percent ...................................................
Highest 25 percent ...............................................
Highest 10 percent ...........................................
0
0
0
0
7
4
7
6
–
0
0
0
Goods-producing industries .....................................
Manufacturing ......................................................
0
0
–
6
2
0
Service-providing industries .....................................
Trade, transportation, and utilities .......................
Information ...........................................................
Financial activities ................................................
Finance and insurance ....................................
Credit intermediation and related activities ..
Professional and business services:
Professional and technical services ...............
Education and health services .............................
Educational services ........................................
Junior colleges, colleges, and universities ...
Health care and social assistance ...................
0
0
–
0
0
0
5
4
5
4
–
–
0
–
–
–
–
–
1
0
0
0
0
1
5
0
7
4
0
–
0
–
–
Establishment characteristics
See footnotes at end of table.
Table 45. Standard errors for vision care benefits:1 Median copayments for
selected services, private industry workers, 2015—continued
Characteristics
Eye exams
1 to 99 workers:
50 to 99 workers ................................................
100 workers or more ................................................
100 to 499 workers ..............................................
500 workers or more ............................................
Contact lenses2
Glasses
$0
0
0
2
$4
1
1
–
$7
2
2
3
0
3
0
1
0
–
0
0
0
0
0
2
0
2
0
–
6
0
0
2
3
–
–
0
–
1
5
0
0
2
0
0
–
Geographic areas
Northeast .................................................................
New England .......................................................
Middle Atlantic .....................................................
South .......................................................................
South Atlantic .......................................................
West South Central ..............................................
Midwest ....................................................................
East North Central ...............................................
West North Central ..............................................
West .........................................................................
Mountain ..............................................................
1
2
Includes plans with employer-provided discount cards if there is a cost to the employer.
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 Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may
include workers with earnings both above and below the threshold. The categories were formed using percentile estimates
generated using data from the National Compensation Survey publication, "Employer Costs for Employee Compensation March 2015."
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/glossary20152016.htm.
Source: Bureau of Labor Statistics, National Compensation Survey.