Table 10. Fee-for-service plans: Coinsurance percentage, private industry workers, National Compensation Survey, 2010

     (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         –         –        85        80        60        90         –
                                                                                                                             
     Management, professional, and related...       100         –         –        88        80        60       100         –
       Management, business, and financial...       100         –         –        86        90        60        90         –
       Professional and related..............       100         –         –        89        80        60       100         –
     Service.................................       100         –         –        76        80        60       100         –
       Protective service....................       100         –         –        82        80        60       100         –
     Sales and office........................       100         –         –        89        80        60        90         –
       Sales and related.....................       100         –         –        91        80        60        90         –
       Office and administrative support.....       100         –         –        87        85        60        90         –
     Natural resources, construction, and                                                                                    
     maintenance.............................       100         –         –        84        80        60        90         –
       Construction, extraction, farming,                                                                                    
       fishing, and forestry.................       100         –         –        85        80        60        90         –
       Installation, maintenance, and repair        100         –         –        83        80        60        90         –
     Production, transportation, and material                                                                                
     moving..................................       100         –         –        80        85        60        90         –
       Production............................       100         –         –        79        80        60        85         –
       Transportation and material moving....       100         –         –        81        85        60        90         –
                                                                                                                             
     Full time...............................       100         –         –        85        80        60        90         –
     Part time...............................       100         –         –        77        80        60       100         –
                                                                                                                             
     Union...................................       100         –         –        75        90        70        90         –
     Nonunion................................       100         –         –        86        80        60        90         –
                                                                                                                             
     Average wage within the following                                                                                       
     categories:(1)                                                                                                          
       Lowest 25 percent.....................       100         –         –        85        80        60       100         –
       Second 25 percent.....................       100         –         –        86        80        60        90         –
       Third 25 percent......................       100         –         –        82        80        60        90         –
       Highest 25 percent....................       100         –         –        86        90        60        90         –
         Highest 10 percent..................       100         –         –        87        90        60        90         –
                                                                                                                             
           Establishment characteristic                                                                                      
                                                                                                                             
     Goods-producing industries..............       100         –         –        82        85        60        90         –
       Construction..........................       100         –         –        89        80        60        90         –
       Manufacturing.........................       100         –         –        81        85        60        90         –
                                                                                                                             
     Service-providing industries............       100         –         –        86        80        60        90         –
       Trade, transportation, and utilities..       100         –         –        90        80        60        90         –
         Wholesale trade.....................       100         –         –        90        80        60       100         –
         Transportation and warehousing......       100        18        80        82        90        60        90         –
       Information...........................       100         –         –        65        90        60       100         –
       Financial activities..................       100         –         –        88        85        60        80         –
         Finance and insurance...............       100         –         –        89        85        60        80         –
           Credit intermediation and related                                                                                 
           activities........................       100         –         –        95        80        60        90         –
           Insurance carriers and related                                                                                    
           activities........................       100         –         –        80        90        60        90         –
       Professional and business services....       100         –         –        86        90        70       100         –
       Education and health services.........       100         –         –        83        80        60       100         –
         Educational services................       100         –         –        90        85        70       100         –
           Junior colleges, colleges, and                                                                                    
           universities......................       100         –         –        85        80        70       100         –
         Health care and social assistance...       100         –         –        82        80        60       100         –
                                                                                                                             
     1 to 99 workers.........................       100         –         –        87        80        60        90         –
       1 to 49 workers.......................       100        12        80        88        80        60        80         –
       50 to 99 workers......................       100         –         –        86        85        60       100         –
     100 workers or more.....................       100         –         –        83        80        60        90         –
       100 to 499 workers....................       100         –         –        84        80        60        90         –
       500 workers or more...................       100         –         –        82        85        60        90         –
                                                                                                                             
                 Geographic area                                                                                             
                                                                                                                             
     New England.............................       100         –         –        85        90        70       100         –
     Middle Atlantic.........................       100         –         –        85        90        70       100         –
     East North Central......................       100         –         –        82        80        60        90         –
     West North Central......................       100         –         –        82        80        60        80         –
     South Atlantic..........................       100         –         –        86        80        60       100         –
     East South Central......................       100         –         –        86        80        60        90         –
     West South Central......................       100         6        80        94        80        60        90         –
     Mountain................................       100         –         –        79        80        60        80         –
     Pacific.................................       100         –         –        83        80        60        90         –

       1 The categories are based on the average wage for each occupation surveyed, which may include workers with earnings
     both above and below the threshold. The average wages are based on the estimates published in the "National Compensation
     Survey: Occupational Earnings in the United States, 2009." 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/glossary20102011.htm.