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.
United States Department of Labor
