Table 11. Fee-for-service plans: Coinsurance percentage,(1) private industry workers, National
Compensation Survey, 2009

(All workers participating in fee-for-service plans with coinsurance = 100 percent)
                                                                                                         
                                                                                                         
                                     Fixed coinsurance            Variable coinsurance                   
                                                                                                         
                                                                                                   With  
     Characteristics        Total      With     Median     With   Median coinsurance percentage   other  
                                      fixed   coinsura-  variable                               coinsura-
                                    coinsura-    nce    coinsura-                                  nce   
                                       nce    percenta-    nce    In-netwo-  Out-of-  Point-of-          
                                                  ge                  rk     network   service           
                                                                                                         
                                                                                                         
                                                                                                         
  Worker characteristic                                                                                  
                                                                                                         
All workers..............       100         –         –        86        80        60        90         –
                                                                                                         
Management, professional,                                                                                
and related..............       100         –         –        87        80        60        90         –
  Management, business,                                                                                  
  and financial..........       100         –         –        88        85        60        85         –
  Professional and                                                                                       
  related................       100         –         –        87        80        60        95         –
Service..................       100         –         –        79        80        60       100         –
  Protective service.....       100         –         –        96        90        60       100         –
Sales and office.........       100         –         –        87        80        60        90         –
  Sales and related......       100         –         –        86        85        60       100         –
  Office and                                                                                             
  administrative support        100         –         –        87        80        60        90         –
Natural resources,                                                                                       
construction, and                                                                                        
maintenance..............       100        17        80        83        90        70        90         –
  Construction,                                                                                          
  extraction, farming,                                                                                   
  fishing, and forestry..       100         –         –        88        85        70        90         –
  Installation,                                                                                          
  maintenance, and repair       100        21        80        79        90        70        90         –
Production,                                                                                              
transportation, and                                                                                      
material moving..........       100         –         –        87        80        60        90         –
  Production.............       100         –         –        89        80        60        90         –
  Transportation and                                                                                     
  material moving........       100        15        80        85        80        60        90         –
                                                                                                         
Full time................       100         –         –        86        80        60        90         –
Part time................       100         –         –        82        80        60        90         –
                                                                                                         
Union....................       100         –         –        83        90        70       100         –
Nonunion.................       100         –         –        87        80        60        90         –
                                                                                                         
Average wage within the                                                                                  
following categories:(2)                                                                                 
  Lowest 25 percent......       100         –         –        78        80        60       100         –
  Second 25 percent......       100         –         –        88        80        60       100         –
  Third 25 percent.......       100         –         –        85        85        60        90         –
  Highest 25 percent.....       100         –         –        88        80        60        90         –
    Highest 10 percent...       100         –         –        89        85        60        90         –
                                                                                                         
      Establishment                                                                                      
     characteristic                                                                                      
                                                                                                         
Goods-producing                                                                                          
industries...............       100         –         –        88        85        60        90         –
  Construction...........       100         –         –        85        80        64         –         –
  Manufacturing..........       100         –         –        88        85        60        90         –
                                                                                                         
Service-providing                                                                                        
industries...............       100         –         –        86        80        60        90         –
  Trade, transportation,                                                                                 
  and utilities..........       100        10        80        90        80        60        90         –
    Retail trade.........       100        11        80        89        80        60       100         –
    Transportation and                                                                                   
    warehousing..........       100        12        80        88        85        60        90         –
  Information............       100         –         –        83        90        70        90         –
  Financial activities...       100        16        80        84        85        60        90         –
    Finance and insurance       100        17        80        83        85        60        90         –
      Credit                                                                                             
      intermediation and                                                                                 
      related activities        100        15        80        85        80        60        75         –
      Insurance carriers                                                                                 
      and related                                                                                        
      activities.........       100        21        90        79        90        60        90         –
  Professional and                                                                                       
  business services......       100         –         –        91        80        60        80         –
    Professional and                                                                                     
    technical services...       100         –         –        96        80        60        80         –
  Education and health                                                                                   
  services...............       100         –         –        84        80        60       100         –
    Educational services        100         –         –        92        80        60        80         –
      Junior colleges,                                                                                   
      colleges, and                                                                                      
      universities.......       100         –         –        93        80        60       100         –
    Health care and                                                                                      
    social assistance....       100         –         –        83        80        60       100         –
                                                                                                         
1 to 99 workers..........       100         –         –        84        80        60        80         –
  1 to 49 workers........       100        16        80        84        80        60        80         –
  50 to 99 workers.......       100         –         –        85        80        60        80         –
100 workers or more......       100         –         –        87        85        60        95         –
  100 to 499 workers.....       100         –         –        87        85        60        90         –
  500 workers or more....       100         –         –        87        85        60        95         –
                                                                                                         
     Geographic area                                                                                     
                                                                                                         
New England..............       100         –         –        90        90        65        90         –
Middle Atlantic..........       100        19        80        81       100        70       100         –
East North Central.......       100         –         –        91        80        60       100         –
West North Central.......       100         –         –        76        80        60        90         –
South Atlantic...........       100         –         –        88        80        60        95         –
East South Central.......       100         –         –        79        80        60       100         –
West South Central.......       100         –         –        85        80        60        90         –
Mountain.................       100         –         –        84        80        60        80         –
Pacific..................       100         –         –        90        80        60        85         –

  1 Represents the initial coinsurance in plans that have 100 percent coverage after the individual pays
a specified dollar amount toward expenses. For example, the plan pays 80 percent until the individual's
out-of-pocket expenses reach $1,000, and then coverage is 100 percent.
  2 The categories are based on the average wage for each occupation surveyed, which may include workers
both above and below the threshold. The average wages are based on the estimates published in the
"National Compensation Survey: Occupational Earnings in the United States, 2008." See Technical Note for
more details.

NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data
were reported or that data do not meet publication criteria. For definitions of major plans, key
provisions, and related terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/glossary20092010.htm.