Table 7. Fee-for-service plans: Amount of coinsurance,(1) private industry workers, National Compensation Survey, 2008 (All workers participating in fee-for-service plans with coinsurance = 100 percent) Fixed Variable coinsurance coinsurance Medi- Median coinsurance percentage Characteristic To- With an With tal fixed coin- vari- coin- sura- able sura- nce coin- In-netwo- Out-of- Point-of- nce perc- sura- rk network service enta- nce ge All workers............................. 100 14 80 85 80 60 90 Worker characteristic Management, professional, and related... 100 13 80 87 80 60 90 Management, business, and financial... 100 9 80 91 80 65 100 Professional and related.............. 100 15 80 84 80 60 90 Service................................. 100 14 70 85 80 60 100 Sales and office........................ 100 15 80 84 80 60 90 Sales and related..................... 100 12 80 88 80 60 90 Office and administrative support..... 100 16 80 82 80 60 90 Natural resources, construction, and maintenance............................. 100 22 80 78 90 70 100 Construction, extraction, farming, fishing, and forestry................. 100 22 80 78 80 65 100 Installation, maintenance, and repair 100 22 80 78 90 70 100 Production, transportation, and material moving.................................. 100 10 80 90 80 60 90 Production............................ 100 8 80 92 80 60 90 Transportation and material moving.... 100 13 80 87 80 60 90 Full time............................... 100 13 80 86 80 60 90 Part time............................... 100 23 80 71 80 60 100 Union................................... 100 20 80 79 85 70 100 Nonunion................................ 100 13 80 86 80 60 90 Average wage within the following percentiles:(2) Less than 10.......................... 100 – 75 – 80 60 – 10 to under 25........................ 100 – 80 – 80 60 90 25 to under 50........................ 100 12 80 88 80 60 90 50 to under 75........................ 100 14 80 85 80 60 90 75 to under 90........................ 100 17 80 82 80 60 100 90 or greater......................... 100 13 80 87 85 70 90 Establishment characteristic Goods-producing industries.............. 100 11 80 89 80 60 90 Construction.......................... 100 19 80 81 80 60 – Manufacturing......................... 100 8 80 92 80 60 90 Service-providing industries............ 100 15 80 84 80 60 90 Trade, transportation, and utilities.. 100 11 80 89 80 60 90 Wholesale trade..................... 100 11 80 89 80 60 90 Retail trade........................ 100 10 80 90 80 60 80 Transportation and warehousing...... 100 17 80 83 90 70 90 Utilities........................... 100 – 75 – 80 60 – Information........................... 100 29 80 71 90 70 100 Financial activities.................. 100 18 80 80 80 60 90 Finance and insurance............... 100 19 80 78 90 70 90 Credit intermediation and related activities........................ 100 16 80 79 85 60 90 Insurance carriers and related activities........................ 100 23 80 75 90 70 99 Real estate and rental and leasing.. 100 – 80 – 80 60 – Professional and business services.... 100 19 80 79 80 65 100 Professional and technical services 100 – 80 – 90 70 90 Administrative and waste services... 100 – 80 – 80 65 – Education and health services......... 100 9 70 90 80 60 100 Educational services................ 100 – 80 – 90 65 100 Junior colleges, colleges, and universities...................... 100 10 80 87 90 70 100 Health care and social assistance... 100 9 70 90 80 60 100 Leisure and hospitality............... 100 – 80 – 80 60 – Accommodation and food services..... 100 – 60 – 80 60 – Other services........................ 100 – 80 – 90 70 – 1 to 99 workers......................... 100 16 80 84 80 60 90 1 to 49 workers....................... 100 15 80 85 80 60 90 50 to 99 workers...................... 100 17 80 82 80 60 90 100 workers or more..................... 100 13 80 87 80 60 90 100 to 499 workers.................... 100 11 80 89 80 60 100 500 workers or more................... 100 15 80 83 80 65 90 Geographic area New England............................. 100 – 80 – 80 70 100 Middle Atlantic......................... 100 – 80 – 90 70 100 East North Central...................... 100 9 80 90 80 60 90 West North Central...................... 100 – 80 – 80 60 90 South Atlantic.......................... 100 14 80 86 80 60 90 East South Central...................... 100 – 80 – 90 60 90 West South Central...................... 100 8 80 91 80 60 90 Mountain................................ 100 24 80 73 80 60 80 Pacific................................. 100 13 80 87 80 60 90 1 Represents the initial coinsurance in plans that have 100 percent coverage after the individual pays a specified dollar amount toward expenses. For example, the plan pays 80 percent until the individual's out-of-pocket expenses reach $1,000, and then coverage is 100 percent. 2 The percentile groupings are based on the average wage for each occupation surveyed, which may include workers both above and below the threshold. The percentile values are based on the estimates published in the "National Compensation Survey: Occupational Earnings in the United States, 2007." See Technical Note for more details. NOTE: Because of rounding, sums of individual items may not equal totals. Dashes indicate that no data were reported or that data do not meet publication criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.