Table 11. Standard errors for fee-for-service plans: Coinsurance percentage,(1) private industry workers, National Compensation Survey, 2009 Fixed Variable coinsurance coinsurance Medi- Median With an With coinsurance other Characteristics With coin- vari- percentage coin- fixed sura- able sura- coin- nce coin- nce sura- perc- sura- In-n- Out- Poin- nce enta- nce etwo- of- t-of- ge rk netw- serv- ork ice Worker characteristic All workers.............. – – 1.3 1.0 0.0 2.2 – Management, professional, and related.............. – – 2.1 0.0 0.0 4.0 – Management, business, and financial.......... – – 2.0 6.6 0.0 7.1 – Professional and related................ – – 3.1 0.0 0.0 8.6 – Service.................. – – 4.9 4.6 1.3 0.0 – Protective service..... – – 2.4 9.6 11.4 11.1 – Sales and office......... – – 1.5 2.4 0.0 6.8 – Sales and related...... – – 3.3 6.1 0.0 13.6 – Office and administrative support – – 1.9 1.0 0.0 1.0 – Natural resources, construction, and maintenance.............. 3.8 0.0 3.8 3.4 1.0 0.0 – Construction, extraction, farming, fishing, and forestry.. – – 3.8 6.9 7.3 0.0 – Installation, maintenance, and repair 6.2 0.0 6.2 0.0 2.6 14.7 – Production, transportation, and material moving.......... – – 2.5 3.1 0.0 0.0 – Production............. – – 2.5 2.4 0.0 10.4 – Transportation and material moving........ 3.8 0.0 3.8 10.6 0.0 3.7 – Full time................ – – 1.3 2.6 0.0 2.8 – Part time................ – – 4.0 0.0 0.0 9.0 – Union.................... – – 2.2 6.7 6.2 11.6 – Nonunion................. – – 1.4 0.0 0.0 2.0 – Average wage within the following categories:(2) Lowest 25 percent...... – – 3.7 0.0 0.0 0.0 – Second 25 percent...... – – 1.4 0.0 0.0 1.0 – Third 25 percent....... – – 2.6 6.2 0.0 2.4 – Highest 25 percent..... – – 1.3 5.6 0.0 0.0 – Highest 10 percent... – – 2.3 6.7 1.0 0.0 – Establishment characteristic Goods-producing industries............... – – 2.0 6.6 0.0 4.2 – Construction........... – – 5.8 10.7 9.9 – – Manufacturing.......... – – 2.2 4.6 1.0 6.5 – Service-providing industries............... – – 1.5 0.0 0.0 7.0 – Trade, transportation, and utilities.......... 1.5 0.0 1.5 2.8 0.0 3.4 – Retail trade......... 2.4 0.0 2.4 0.0 0.0 7.8 – Transportation and warehousing.......... 3.2 9.2 3.2 8.1 0.0 9.2 – Information............ – – 5.0 1.7 6.5 19.0 – Financial activities... 2.3 0.0 2.3 1.4 2.0 10.6 – Finance and insurance 2.5 0.0 2.5 0.0 2.0 10.6 – Credit intermediation and related activities 2.4 0.0 2.4 1.4 0.0 8.7 – Insurance carriers and related activities......... 5.3 13.7 5.3 6.9 5.1 0.0 – Professional and business services...... – – 3.2 6.5 0.0 13.7 – Professional and technical services... – – 2.4 8.5 0.0 0.0 – Education and health services............... – – 4.7 0.0 0.0 0.0 – Educational services – – 3.1 0.0 3.2 8.8 – Junior colleges, colleges, and universities....... – – 3.2 2.2 5.4 0.0 – Health care and social assistance.... – – 5.4 0.0 0.0 0.0 – 1 to 99 workers.......... – – 2.4 0.0 0.0 13.5 – 1 to 49 workers........ 3.2 0.0 3.2 0.0 0.0 18.6 – 50 to 99 workers....... – – 4.0 5.5 0.0 10.5 – 100 workers or more...... – – 1.1 5.7 0.0 9.0 – 100 to 499 workers..... – – 1.5 6.9 0.0 6.6 – 500 workers or more.... – – 2.1 5.4 0.0 7.3 – Geographic area New England.............. – – 2.9 5.9 7.3 10.9 – Middle Atlantic.......... 4.3 0.0 4.3 11.3 0.0 0.0 – East North Central....... – – 1.5 7.2 0.0 4.4 – West North Central....... – – 5.2 0.0 0.0 12.6 – South Atlantic........... – – 1.7 0.0 0.0 7.7 – East South Central....... – – 8.7 6.2 0.0 10.4 – West South Central....... – – 4.5 0.0 0.0 2.8 – Mountain................. – – 2.8 0.0 0.0 13.8 – Pacific.................. – – 3.6 0.0 0.0 7.2 – 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: 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.