Table 9. Percent of full-time employees participating in medical plans other than health maintenance organizations by selected rates of plan coinsurance



Table 9.  Percent of full-time employees participating in medical plans other than
health maintenance organizations by selected rates of plan coinsurance, small private
establishments, 1996
                                                                                        
                                                                                        
                                               Professional,                            
                                      All        technical,     Clerical    Blue-collar 
  Selected coinsurance rate(1)     full-time        and        and sales    and service 
                                   employees      related     employees(3)  employees(4)
                                                employees(2)                            
                                                                                                                                                                                
                                                                                        
All non-HMO plans(5)                                                                    
   80 percent...................       58            58            57            58     
   85 percent...................        2             2             2             3     
   90 percent...................       17            16            17            17     
   100 percent..................       15            16            17            12     
                                                                                        
Traditional fee-for-service                                                             
   plans(6)                                                                             
   80 percent...................       77            80            79            75     
   85 percent...................        2             1             1             3     
   90 percent...................        5             1             5             6     
   100 percent..................        5             7             7             4     
                                                                                        
Preferred provider organization                                                         
   plans(7)                                                                             
   80 percent...................       39            42            37            38     
   85 percent...................        3             4             2             3     
   90 percent...................       30            27            30            33     
   100 percent..................       22            22            26            19     

  1 The percent of covered expenses paid by the plan after the deductible is satisfied
and before the annual out-of-pocket maximum is reached.
  2 Includes professional, technical, executive, and administrative occupations.
  3 Includes clerical, administrative support, and sales occupa-
tions.
  4 Includes production, craft, repair, laborer, and service occupa-
tions.
  5 Includes exclusive provider organization plans not presented separately.
  6 These plans pay for specific medicall procedures as expenses are incurred.
  7 Groups of hospitals and physicians that contract to provide comprehensive medical
services at prearranged prices.  To encourage use of organization members, the health
plan limits reimbursement rates when participants use nonmember services.