National Compensation Survey: Health Plan 

Provisions in State and Local Government in the 

United States, 2011 

U.S. Department of Labor 

Hilda L. Solis, Secretary 

U.S. Bureau of Labor Statistics 

John M. Galvin, Acting Commissioner 

March 2012 

Bulletin 2772 

Contents 

Overview 

Tables

Health plan provisions 

 Medical care benefits 

 Fee-for-service plans 

 Health maintenance organizations

 Selected benefits by type of plan

 High-deductible and non-high-deductible health plans

 Mental health care and substance abuse treatment benefits

 Outpatient prescription drug benefits

 Dental care benefits

 Vision care benefits

Technical note 

Appendix table 1: Survey establishment response 

Appendix table 2: Number of workers represented 
Overview 

The National Compensation Survey (NCS) provides comprehensive measures of compensation 

cost trends, the incidence of benefits, and detailed benefit provisions. This bulletin presents 

estimates of the detailed provisions of employer-provided health plans in state and local 

government in 2011. Under the NCS program, information on the incidence and provision of 

benefits is published in stages. An earlier bulletin provided 2011 NCS data for civilian, state and 

local government, and private industry workers, on the incidence of (access to and participation 

in) selected benefits and detailed provisions of paid holidays, life insurance plans, and some 

other benefit plans, as well as on employer and employee shares of contributions to medical care 

premiums and their average amounts. Similar data for civilian, private industry and state and 

local government workers for March 2012 will be issued later this year. 

The bulletin of detailed benefit provisions this year includes health tables for state and local 

government. Similar health tables for private industry are scheduled to be published in the 

winter of 2012-2013. 

For more information on these data and recent and historical NCS benefits data, call the 

information line at (202) 691–6199 or send email. Information is made available to sensoryimpaired individuals upon request (Voice phone: (202) 691–5200; Federal Relay Service: 1 

(800) 877–8339). Data requests also may be sent to U.S. Bureau of Labor Statistics, Division of 

Compensation Data Analysis and Planning, 2 Massachusetts Avenue NE, Room 4175, 

Washington, DC 20212. Material in this publication is in the public domain and, with 

appropriate credit, may be reproduced without permission. 
Table 1. Medical care benefits: Plan type, state and local government workers, National Compensation

Survey, 2011

(All workers participating in medical care plans = 100 percent)

Characteristics Total

Fee-for-service plan

Total Traditional

Preferred

provider

organization

Point of

service plan

Exclusive

provider

organization

Not

determinable

All workers ............................................................... 100 73 1 62 5 4 –

Worker characteristic

Management, professional, and related .................. 100 73 2 62 5 4 –

Professional and related ...................................... 100 73 2 62 5 4 –

Teachers .......................................................... 100 75 2 65 5 3 –

Primary, secondary, and special education

school teachers .......................................... 100 76 2 65 5 3 –

Service ..................................................................... 100 72 1 62 4 5 –

Protective service ................................................ 100 69 – 59 3 5 –

Sales and office ....................................................... 100 70 – 60 4 5 –

Office and administrative support ........................ 100 70 – 59 4 5 –

Natural resources, construction, and maintenance 100 75 – 65 – – –

Production, transportation, and material moving ..... 100 74 – 64 4 4 –

Full time ................................................................... 100 73 2 62 5 4 –

Part time .................................................................. 100 68 – 56 7 4 –

Union ....................................................................... 100 63 2 54 4 4 –

Nonunion ................................................................. 100 82 1 70 6 5 –

Average wage within the following categories:1

Lowest 25 percent ............................................... 100 82 – 70 5 5 –

Lowest 10 percent ........................................... 100 83 – 71 6 5 –

Second 25 percent ............................................... 100 72 – 62 4 5 –

Third 25 percent ................................................... 100 73 2 61 5 4 –

Highest 25 percent ............................................... 100 66 1 57 4 4 –

Highest 10 percent ........................................... 100 60 2 52 4 2 –

Establishment characteristic

Service-providing industries ..................................... 100 73 2 62 5 5 –

Education and health services ............................. 100 75 2 64 5 4 –

Educational services ........................................ 100 75 2 65 4 4 –

Elementary and secondary schools ............. 100 75 2 65 4 4 –

Junior colleges, colleges, and universities ... 100 75 – 66 – 5 –

Health care and social assistance ................... 100 75 – 53 15 5 –

Hospitals ...................................................... 100 74 – 48 20 4 –

Public administration ............................................ 100 67 1 58 3 5 –

1 to 99 workers ........................................................ 100 83 – 70 – 7 –

1 to 49 workers .................................................... 100 83 – 69 – – –

50 to 99 workers .................................................. 100 83 – 71 – 5 –

100 workers or more ................................................ 100 71 1 61 5 4 –

100 to 499 workers .............................................. 100 82 – 72 5 4 –

500 workers or more ............................................ 100 68 1 57 5 4 –

State government .................................................... 100 72 – 62 – 7 –

Local government .................................................... 100 73 2 62 6 4 –

See footnotes at end of table.
Table 1. Medical care benefits: Plan type, state and local government

workers, National Compensation Survey, 2011—Continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Health maintenance organization

Total Traditional Open

access

Not

determinable

All workers ............................................................... 27 23 5 –

Worker characteristic

Management, professional, and related .................. 27 22 5 –

Professional and related ...................................... 27 22 5 –

Teachers .......................................................... 25 20 5 –

Primary, secondary, and special education

school teachers .......................................... 24 19 5 –

Service ..................................................................... 28 23 5 –

Protective service ................................................ 31 25 7 –

Sales and office ....................................................... 30 25 5 –

Office and administrative support ........................ 30 25 5 –

Natural resources, construction, and maintenance 25 20 5 –

Production, transportation, and material moving ..... 26 20 6 –

Full time ................................................................... 27 22 5 –

Part time .................................................................. 32 28 4 –

Union ....................................................................... 37 31 6 –

Nonunion ................................................................. 18 15 4 –

Average wage within the following categories:1

Lowest 25 percent ............................................... 18 15 4 –

Lowest 10 percent ........................................... 17 13 – –

Second 25 percent ............................................... 28 23 4 –

Third 25 percent ................................................... 27 22 5 –

Highest 25 percent ............................................... 34 28 6 –

Highest 10 percent ........................................... 40 33 7 –

Establishment characteristic

Service-providing industries ..................................... 27 23 5 –

Education and health services ............................. 25 20 5 –

Educational services ........................................ 25 20 4 –

Elementary and secondary schools ............. 25 20 5 –

Junior colleges, colleges, and universities ... 25 22 3 –

Health care and social assistance ................... 25 19 – –

Hospitals ...................................................... 26 18 – –

Public administration ............................................ 33 27 5 –

1 to 99 workers ........................................................ 17 13 – –

1 to 49 workers .................................................... 17 14 – –

50 to 99 workers .................................................. 17 13 – –

100 workers or more ................................................ 29 24 5 –

100 to 499 workers .............................................. 18 15 4 –

500 workers or more ............................................ 32 27 5 –

State government .................................................... 28 26 2 –

Local government .................................................... 27 21 6 –

See footnotes at end of table.
Table 1. Medical care benefits: Plan type, state and local government workers, National Compensation

Survey, 2011—Continued

(All workers participating in medical care plans = 100 percent)

Characteristics Total

Fee-for-service plan

Total Traditional

Preferred

provider

organization

Point of

service plan

Exclusive

provider

organization

Not

determinable

Geographic area

New England ........................................................... 100 54 – 37 – – –

Middle Atlantic ......................................................... 100 72 3 66 – 1 –

East North Central ................................................... 100 77 – 70 – 2 –

West North Central .................................................. 100 89 – 73 – – –

South Atlantic ........................................................... 100 73 – 59 – 8 –

West South Central .................................................. – 86 2 ( ) 75 – – –

Mountain .................................................................. 100 71 – 46 – 19 –

Pacific ...................................................................... 100 45 – 37 – 3 –

See footnotes at end of table.
Table 1. Medical care benefits: Plan type, state and local government

workers, National Compensation Survey, 2011—Continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Health maintenance organization

Total Traditional Open

access

Not

determinable

Geographic area

New England ........................................................... 46 36 – –

Middle Atlantic ......................................................... 28 20 8 –

East North Central ................................................... 23 21 – –

West North Central .................................................. 11 – 5 –

South Atlantic ........................................................... 27 22 5 –

West South Central .................................................. 14 11 3 –

Mountain .................................................................. 29 23 – –

Pacific ...................................................................... 55 51 4 –

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, 2010." See Technical Note

for more details. 2 Less than 0.5.

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.
Table 1. Standard errors for medical care benefits: Plan type, state and local government workers,

National Compensation Survey, 2011

Characteristics

Fee-for-service plan

Total Traditional

Preferred

provider

organization

Point of

service plan

Exclusive

provider

organization

Not

determinable

All workers ............................................................... 0.9 0.3 1.2 0.7 0.4 –

Worker characteristic

Management, professional, and related .................. 1.1 0.3 1.3 1.0 0.4 –

Professional and related ...................................... 1.1 0.3 1.4 1.0 0.5 –

Teachers .......................................................... 1.3 0.5 1.6 1.3 0.5 –

Primary, secondary, and special education

school teachers .......................................... 1.4 0.5 1.8 1.5 0.6 –

Service ..................................................................... 1.6 0.3 1.8 0.7 0.9 –

Protective service ................................................ 2.3 – 2.4 0.9 1.6 –

Sales and office ....................................................... 1.6 – 2.1 0.9 0.7 –

Office and administrative support ........................ 1.6 – 2.2 0.9 0.7 –

Natural resources, construction, and maintenance 2.0 – 2.8 – – –

Production, transportation, and material moving ..... 3.1 – 3.5 1.1 1.1 –

Full time ................................................................... 1.0 0.3 1.2 0.7 0.5 –

Part time .................................................................. 3.4 – 4.4 2.1 1.2 –

Union ....................................................................... 1.1 0.4 1.3 0.8 0.6 –

Nonunion ................................................................. 1.2 0.2 1.7 1.0 0.6 –

Average wage within the following categories:1

Lowest 25 percent ............................................... 1.5 – 2.0 1.1 1.1 –

Lowest 10 percent ........................................... 2.7 – 3.8 1.9 1.4 –

Second 25 percent ............................................... 1.4 – 1.9 0.9 0.7 –

Third 25 percent ................................................... 1.4 0.4 1.9 1.4 0.7 –

Highest 25 percent ............................................... 1.0 0.3 1.1 0.6 0.4 –

Highest 10 percent ........................................... 1.6 0.4 1.7 1.0 0.5 –

Establishment characteristic

Service-providing industries ..................................... 1.0 0.3 1.2 0.7 0.4 –

Education and health services ............................. 1.0 0.4 1.5 0.9 0.5 –

Educational services ........................................ 1.2 0.4 1.6 0.8 0.6 –

Elementary and secondary schools ............. 1.2 0.5 1.5 0.9 0.6 –

Junior colleges, colleges, and universities ... 2.6 – 4.0 – 1.3 –

Health care and social assistance ................... 2.7 – 3.3 2.8 0.7 –

Hospitals ...................................................... 3.5 – 4.4 4.0 0.8 –

Public administration ............................................ 1.6 0.2 1.8 0.7 0.8 –

1 to 99 workers ........................................................ 2.3 – 2.7 – 1.9 –

1 to 49 workers .................................................... 2.8 – 4.2 – – –

50 to 99 workers .................................................. 2.5 – 3.2 – 1.3 –

100 workers or more ................................................ 1.0 0.3 1.3 0.7 0.4 –

100 to 499 workers .............................................. 1.6 – 1.9 1.3 0.8 –

500 workers or more ............................................ 1.2 0.3 1.5 0.8 0.5 –

State government .................................................... 2.0 – 2.6 – 1.1 –

Local government .................................................... 0.9 0.3 1.2 0.8 0.4 –

See footnotes at end of table.
Table 1. Standard errors for medical care benefits: Plan type, state and local

government workers, National Compensation Survey, 2011—Continued

Characteristics

Health maintenance organization

Total Traditional Open

access

Not

determinable

All workers ............................................................... 0.9 0.9 0.4 –

Worker characteristic

Management, professional, and related .................. 1.1 1.0 0.4 –

Professional and related ...................................... 1.1 1.0 0.5 –

Teachers .......................................................... 1.3 1.2 0.6 –

Primary, secondary, and special education

school teachers .......................................... 1.4 1.1 0.8 –

Service ..................................................................... 1.6 1.5 0.7 –

Protective service ................................................ 2.3 2.0 1.1 –

Sales and office ....................................................... 1.6 1.5 0.8 –

Office and administrative support ........................ 1.6 1.5 0.7 –

Natural resources, construction, and maintenance 2.0 1.7 1.2 –

Production, transportation, and material moving ..... 3.1 2.9 1.7 –

Full time ................................................................... 1.0 0.9 0.4 –

Part time .................................................................. 3.4 3.1 0.9 –

Union ....................................................................... 1.1 0.9 0.6 –

Nonunion ................................................................. 1.2 1.3 0.6 –

Average wage within the following categories:1

Lowest 25 percent ............................................... 1.5 1.5 0.6 –

Lowest 10 percent ........................................... 2.7 2.5 – –

Second 25 percent ............................................... 1.4 1.3 0.6 –

Third 25 percent ................................................... 1.4 1.4 0.7 –

Highest 25 percent ............................................... 1.0 0.9 0.6 –

Highest 10 percent ........................................... 1.6 1.4 1.0 –

Establishment characteristic

Service-providing industries ..................................... 1.0 0.9 0.4 –

Education and health services ............................. 1.0 0.9 0.5 –

Educational services ........................................ 1.2 1.1 0.5 –

Elementary and secondary schools ............. 1.2 1.0 0.6 –

Junior colleges, colleges, and universities ... 2.6 2.4 0.6 –

Health care and social assistance ................... 2.7 1.7 – –

Hospitals ...................................................... 3.5 2.3 – –

Public administration ............................................ 1.6 1.6 0.8 –

1 to 99 workers ........................................................ 2.3 2.0 – –

1 to 49 workers .................................................... 2.8 2.4 – –

50 to 99 workers .................................................. 2.5 2.2 – –

100 workers or more ................................................ 1.0 0.9 0.4 –

100 to 499 workers .............................................. 1.6 1.6 0.7 –

500 workers or more ............................................ 1.2 1.1 0.5 –

State government .................................................... 2.0 1.9 0.7 –

Local government .................................................... 0.9 0.9 0.5 –

See footnotes at end of table.
Table 1. Standard errors for medical care benefits: Plan type, state and local government workers,

National Compensation Survey, 2011—Continued

Characteristics

Fee-for-service plan

Total Traditional

Preferred

provider

organization

Point of

service plan

Exclusive

provider

organization

Not

determinable

Geographic area

New England ........................................................... 7.6 – 4.2 – – –

Middle Atlantic ......................................................... 1.4 0.5 2.2 – 0.3 –

East North Central ................................................... 3.6 – 3.7 – 0.7 –

West North Central .................................................. 3.0 – 7.7 – – –

South Atlantic ........................................................... 2.3 – 2.2 – 1.0 –

West South Central .................................................. 2.1 2 ( ) 3.8 – – –

Mountain .................................................................. 4.5 – 5.6 – 4.7 –

Pacific ...................................................................... 2.0 – 2.2 – 0.9 –

See footnotes at end of table.
Table 1. Standard errors for medical care benefits: Plan type, state and local

government workers, National Compensation Survey, 2011—Continued

Characteristics

Health maintenance organization

Total Traditional Open

access

Not

determinable

Geographic area

New England ........................................................... 7.6 6.4 – –

Middle Atlantic ......................................................... 1.4 0.9 0.8 –

East North Central ................................................... 3.6 2.9 – –

West North Central .................................................. 3.0 – 1.2 –

South Atlantic ........................................................... 2.3 3.1 1.1 –

West South Central .................................................. 2.1 2.2 0.6 –

Mountain .................................................................. 4.5 4.1 – –

Pacific ...................................................................... 2.0 1.9 0.4 –

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, 2010." See Technical Note

for more details.

2 Less than 0.05.

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/glossary20102011.htm.
Table 2. Medical care benefits: Plan characteristics, state and local government workers, National Compensation Survey,

2011

(All workers participating in medical care plans = 100 percent)

Characteristics

Plan network Allow non-emergency services outside

network Require primary care physician

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

All workers ............................................................... 99 1 – 71 29 – 33 67 –

Worker characteristic

Management, professional, and related .................. 98 2 – 72 28 – 34 66 –

Professional and related ...................................... 98 2 – 73 27 – 33 67 –

Teachers .......................................................... 98 2 – 75 25 – 31 69 –

Primary, secondary, and special education

school teachers .......................................... 98 2 – 76 24 – 30 70 –

Service ..................................................................... 99 1 – 71 29 – 34 66 –

Protective service ................................................ 99 – – 69 31 – 36 64 –

Sales and office ....................................................... 98 – – 68 32 – 34 66 –

Office and administrative support ........................ 98 – – 68 32 – 35 65 –

Natural resources, construction, and maintenance 99 – – 74 26 – 31 69 –

Production, transportation, and material moving ..... 98 – – 73 27 – 30 70 –

Full time ................................................................... 98 2 – 72 28 – 33 67 –

Part time .................................................................. 99 – – 67 33 – 40 60 –

Union ....................................................................... 98 2 – 63 37 – 41 59 –

Nonunion ................................................................. 99 1 – 79 21 – 26 74 –

Average wage within the following categories:1

Lowest 25 percent ............................................... 99 – – 79 21 – 25 75 –

Lowest 10 percent ........................................... 100 – – 82 18 – 25 75 –

Second 25 percent ............................................... 98 – – 70 30 – 33 67 –

Third 25 percent ................................................... 98 2 – 72 28 – 34 66 –

Highest 25 percent ............................................... 99 1 – 67 33 – 39 61 –

Highest 10 percent ........................................... 98 2 – 63 37 – 43 57 –

Establishment characteristic

Service-providing industries ..................................... 98 2 – 71 29 – 33 67 –

Education and health services ............................. 98 2 – 74 26 – 32 68 –

Educational services ........................................ 98 2 – 74 26 – 30 70 –

Elementary and secondary schools ............. 98 2 – 74 26 – 30 70 –

Junior colleges, colleges, and universities ... 99 – – 72 28 – 29 71 –

Health care and social assistance ................... 98 – – 75 25 – 42 58 –

Hospitals ...................................................... 98 – – 76 24 – 47 53 –

Public administration ............................................ 99 1 – 67 33 – 37 63 –

1 to 99 workers ........................................................ 98 – – 78 22 – 24 76 –

1 to 49 workers .................................................... 98 – – 76 24 – 24 76 –

50 to 99 workers .................................................. 98 – – 80 20 – 24 76 –

100 workers or more ................................................ 99 1 – 71 29 – 35 65 –

100 to 499 workers .............................................. 99 – – 80 20 – 24 76 –

500 workers or more ............................................ 99 1 – 68 32 – 38 62 –

State government .................................................... 99 – – 67 33 – 33 67 –

Local government .................................................... 98 2 – 73 27 – 34 66 –

See footnotes at end of table.
Table 2. Medical care benefits: Plan characteristics, state and local government workers, National Compensation Survey,

2011—Continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Plan network Allow non-emergency services outside

network Require primary care physician

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Geographic area

New England ........................................................... 98 – – 56 44 – 56 44 –

Middle Atlantic ......................................................... 97 3 – 76 24 – 29 71 –

East North Central ................................................... 98 – – 75 25 – 23 77 –

West North Central .................................................. 97 – – 84 16 – – 81 –

South Atlantic ........................................................... 99 – – 69 31 – 38 62 –

West South Central .................................................. 100 2 ( ) – 88 12 – 23 77 –

Mountain .................................................................. 97 – – 54 46 – 34 66 –

Pacific ...................................................................... 99 – – 45 55 – 61 39 –

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, 2010." See Technical Note for more details. 2 Less than 0.5.

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.
Table 2. Standard errors for medical care benefits: Plan characteristics, state and local government workers, National

Compensation Survey, 2011

Characteristics

Plan network Allow non-emergency services outside

network Require primary care physician

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

All workers ............................................................... 0.3 0.3 – 1.0 1.0 – 1.1 1.1 –

Worker characteristic

Management, professional, and related .................. 0.3 0.3 – 1.1 1.1 – 1.3 1.3 –

Professional and related ...................................... 0.3 0.3 – 1.2 1.2 – 1.3 1.3 –

Teachers .......................................................... 0.5 0.5 – 1.4 1.4 – 1.5 1.5 –

Primary, secondary, and special education

school teachers .......................................... 0.5 0.5 – 1.3 1.3 – 1.6 1.6 –

Service ..................................................................... 0.3 0.3 – 1.6 1.6 – 1.7 1.7 –

Protective service ................................................ 0.2 – – 2.4 2.4 – 2.3 2.3 –

Sales and office ....................................................... 0.8 – – 1.9 1.9 – 1.8 1.8 –

Office and administrative support ........................ 0.8 – – 1.9 1.9 – 1.9 1.9 –

Natural resources, construction, and maintenance 1.0 – – 2.6 2.6 – 2.4 2.4 –

Production, transportation, and material moving ..... 0.9 – – 3.0 3.0 – 3.0 3.0 –

Full time ................................................................... 0.3 0.3 – 1.0 1.0 – 1.2 1.2 –

Part time .................................................................. 0.6 – – 3.5 3.5 – 4.1 4.1 –

Union ....................................................................... 0.4 0.4 – 1.1 1.1 – 1.2 1.2 –

Nonunion ................................................................. 0.2 0.2 – 1.4 1.4 – 1.7 1.7 –

Average wage within the following categories:1

Lowest 25 percent ............................................... 0.3 – – 1.8 1.8 – 1.9 1.9 –

Lowest 10 percent ........................................... 0.2 – – 3.0 3.0 – 3.6 3.6 –

Second 25 percent ............................................... 0.6 – – 1.6 1.6 – 1.6 1.6 –

Third 25 percent ................................................... 0.4 0.4 – 1.7 1.7 – 1.7 1.7 –

Highest 25 percent ............................................... 0.3 0.3 – 0.9 0.9 – 1.1 1.1 –

Highest 10 percent ........................................... 0.4 0.4 – 1.5 1.5 – 1.6 1.6 –

Establishment characteristic

Service-providing industries ..................................... 0.3 0.3 – 1.0 1.0 – 1.1 1.1 –

Education and health services ............................. 0.4 0.4 – 1.2 1.2 – 1.3 1.3 –

Educational services ........................................ 0.4 0.4 – 1.3 1.3 – 1.4 1.4 –

Elementary and secondary schools ............. 0.5 0.5 – 1.3 1.3 – 1.4 1.4 –

Junior colleges, colleges, and universities ... 0.8 – – 3.1 3.1 – 3.3 3.3 –

Health care and social assistance ................... 1.0 – – 2.2 2.2 – 3.1 3.1 –

Hospitals ...................................................... 1.5 – – 3.0 3.0 – 4.2 4.2 –

Public administration ............................................ 0.2 0.2 – 1.7 1.7 – 1.6 1.6 –

1 to 99 workers ........................................................ 0.9 – – 2.7 2.7 – 2.7 2.7 –

1 to 49 workers .................................................... 0.5 – – 3.9 3.9 – 3.8 3.8 –

50 to 99 workers .................................................. 2.0 – – 2.7 2.7 – 3.7 3.7 –

100 workers or more ................................................ 0.3 0.3 – 1.1 1.1 – 1.1 1.1 –

100 to 499 workers .............................................. 0.5 – – 1.8 1.8 – 1.8 1.8 –

500 workers or more ............................................ 0.3 0.3 – 1.2 1.2 – 1.4 1.4 –

State government .................................................... 0.7 – – 2.0 2.0 – 2.2 2.2 –

Local government .................................................... 0.3 0.3 – 1.0 1.0 – 1.2 1.2 –

See footnotes at end of table.
Table 2. Standard errors for medical care benefits: Plan characteristics, state and local government workers, National

Compensation Survey, 2011—Continued

Characteristics

Plan network Allow non-emergency services outside

network Require primary care physician

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Geographic area

New England ........................................................... 1.2 – – 6.5 6.5 – 4.8 4.8 –

Middle Atlantic ......................................................... 0.5 0.5 – 1.2 1.2 – 1.8 1.8 –

East North Central ................................................... 0.8 – – 2.9 2.9 – 3.3 3.3 –

West North Central .................................................. 2.2 – – 4.3 4.3 – – 5.8 –

South Atlantic ........................................................... 0.3 – – 2.8 2.8 – 2.4 2.4 –

West South Central .................................................. 2 ( ) 2 ( ) – 2.3 2.3 – 3.9 3.9 –

Mountain .................................................................. 2.1 – – 5.7 5.7 – 5.2 5.2 –

Pacific ...................................................................... 0.3 – – 2.2 2.2 – 2.2 2.2 –

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, 2010." See Technical Note for more details. 2 Less than 0.05.

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/glossary20102011.htm.
Table 3. Medical care benefits: Amount of lifetime maximum, state and local government workers, National

Compensation Survey, 2011

(All workers participating in medical care plans = 100 percent)

Characteristics Total

With

lifetime

maximum

Amount of lifetime maximum

Unlimited

maximum Other

Not

determinable 10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................... 100 22 $1,000,000 $2,000,000 $2,000,000 $5,000,000 $5,000,000 76 – –

Worker characteristic

Management, professional, and related .................. 100 22 1,000,000 2,000,000 2,000,000 5,000,000 5,000,000 76 – –

Professional and related ...................................... 100 23 1,000,000 2,000,000 2,000,000 5,000,000 5,000,000 76 – –

Teachers .......................................................... 100 24 – 2,000,000 2,000,000 – 5,000,000 74 – –

Primary, secondary, and special education

school teachers .......................................... 100 25 – 2,000,000 2,000,000 5,000,000 5,000,000 72 – –

Service ..................................................................... 100 22 1,000,000 2,000,000 2,000,000 5,000,000 5,000,000 76 – 2

Protective service ................................................ 100 22 1,000,000 – 2,000,000 – 5,000,000 75 – 2

Sales and office ....................................................... 100 19 1,000,000 2,000,000 2,000,000 5,000,000 5,000,000 79– 2

Office and administrative support ........................ 100 18 1,000,000 2,000,000 2,000,000 5,000,000 5,000,000 80 – 2

Natural resources, construction, and maintenance 100 23 1,000,000 – 2,000,000 5,000,000 5,000,000 75 – 2

Production, transportation, and material moving ..... 100 23 – 2,000,000 2,000,000 5,000,000 5,000,000 72 – 5

Full time ................................................................... 100 22 1,000,000 2,000,000 2,000,000 5,000,000 5,000,000 76 – –

Part time .................................................................. 100 19 – 2,000,000 2,000,000 3,000,000 5,000,000 78 – 2

Union ....................................................................... 100 18 1,000,000 2,000,000 2,000,000 5,000,000 5,000,000 80 – –

Nonunion ................................................................. 100 26 1,000,000 2,000,000 2,000,000 5,000,000 5,000,000 73 – –

Average wage within the following categories:1

Lowest 25 percent ............................................... 100 23 1,000,000 2,000,000 2,000,000 5,000,000 5,000,000 74 – –

Lowest 10 percent ........................................... 100 25 1,000,000 2,000,000 2,000,000 5,000,000 5,000,000 73 – 2

Second 25 percent ............................................... 100 22 1,000,000 – 2,000,000 5,000,000 5,000,000 76 – 1

Third 25 percent ................................................... 100 22 1,000,000 2,000,000 2,000,000 – 5,000,000 76 – –

Highest 25 percent ............................................... 100 20 1,000,000 2,000,000 2,000,000 5,000,000 5,000,000 78 – –

Highest 10 percent ........................................... 100 13 – 2,000,000 2,000,000 5,000,000 5,000,000 86 – 1

Establishment characteristic

Service-providing industries ..................................... 100 22 1,000,000 2,000,000 2,000,000 5,000,000 5,000,000 76 – –

Education and health services ............................. 100 23 1,000,000 2,000,000 2,000,000 5,000,000 5,000,000 76 – –

Educational services ........................................ 100 22 – 2,000,000 2,000,000 5,000,000 5,000,000 76 – –

Elementary and secondary schools ............. 100 24 – 2,000,000 2,000,000 5,000,000 5,000,000 74 – –

Junior colleges, colleges, and universities ... 100 17 – 2,000,000 2,000,000 – 5,000,000 83 – –

Health care and social assistance ................... 100 25 1,000,000 – 2,000,000 5,000,000 5,000,000 74 – 1

Hospitals ...................................................... 100 24 1,000,000 – 2,000,000 – 5,000,000 75 – 1

Public administration ............................................ 100 21 1,000,000 – 2,000,000 5,000,000 5,000,000 77 – 2

1 to 99 workers ........................................................ 100 27 1,000,000 2,000,000 2,000,000 5,000,000 5,000,000 71– 2

1 to 49 workers .................................................... 100 21 1,000,000 – – 5,000,000 5,000,000 78 – 2 ( )

50 to 99 workers .................................................. 100 35 – 2,000,000 2,000,000 5,000,000 5,000,000 61 – 3

100 workers or more ................................................ 100 21 1,000,000 2,000,000 2,000,000 5,000,000 5,000,000 77 – –

100 to 499 workers .............................................. 100 27 1,000,000 2,000,000 2,000,000 5,000,000 5,000,000 71 – –

500 workers or more ............................................ 100 19 1,000,000 2,000,000 2,000,000 – 5,000,000 79 – 2

State government .................................................... 100 14 – 2,000,000 2,000,000 2,000,000 5,000,000 85 – 2 ( )

Local government .................................................... 100 25 1,000,000 2,000,000 2,000,000 5,000,000 5,000,000 73 – –

See footnotes at end of table.
Table 3. Medical care benefits: Amount of lifetime maximum, state and local government workers, National

Compensation Survey, 2011—Continued

(All workers participating in medical care plans = 100 percent)

Characteristics Total

With

lifetime

maximum

Amount of lifetime maximum

Unlimited

maximum Other

Not

determinable 10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Geographic area

New England ........................................................... 100 – – – – – – 93 – 2

Middle Atlantic ......................................................... 100 6 $1,000,000 – $2,000,000 – – 94 – 2 ( )

East North Central ................................................... 100 35 – $2,000,000 – $5,000,000 $5,000,000 63 – –

West North Central .................................................. 100 29 1,000,000 – – 5,000,000 5,000,000 69 – 2

South Atlantic ........................................................... 100 25 1,500,000 2,000,000 2,000,000 – 5,000,000 74 – 2 ( )

West South Central .................................................. – 27 1,000,000 – 2,000,000 5,000,000 5,000,000 70 – 3

Mountain .................................................................. 100 44 2,000,000 2,000,000 2,000,000 2,000,000 5,000,000 54 – 2

Pacific ...................................................................... 100 15 2,000,000 2,000,000 2,000,000 – 5,000,000 82 – 3

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, 2010." See Technical Note for more details. 2 Less than 0.5.

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.
Table 3. Standard errors for medical care benefits: Amount of lifetime maximum, state and local government

workers, National Compensation Survey, 2011

Characteristics

With

lifetime

maximum

Amount of lifetime maximum

Unlimited

maximum Other

Not

determinable 10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................... 1.2 $0 $0 $0 $0 $0 1.2 – –

Worker characteristic

Management, professional, and related .................. 1.4 277,489 0 0 0 0 1.3 – –

Professional and related ...................................... 1.5 138,744 0 0 0 0 1.4 – –

Teachers .......................................................... 1.8 – 0 0 – 0 1.8 – –

Primary, secondary, and special education

school teachers .......................................... 1.9 – 0 0 1,411,515 0 1.9 – –

Service ..................................................................... 1.7 0 277,489 0 1,240,967 0 1.7 – 0.4

Protective service ................................................ 2.7 0 – 0 – 0 2.6 – 0.7

Sales and office ....................................................... 1.8 0 138,744 0 0 0 1.7 – 0.5

Office and administrative support ........................ 1.7 0 0 0 339,853 0 1.7 – 0.5

Natural resources, construction, and maintenance 2.8 0 – 0 0 0 2.8 – 1.0

Production, transportation, and material moving ..... 3.0 – 0 0 392,428 0 3.3 – 1.6

Full time ................................................................... 1.3 0 0 0 0 0 1.2 – –

Part time .................................................................. 3.5 – 0 0 672,588 0 3.5 – 1.0

Union ....................................................................... 1.4 0 0 0 0 0 1.4 – –

Nonunion ................................................................. 1.9 0 0 0 0 0 1.8 – –

Average wage within the following categories:1

Lowest 25 percent ............................................... 1.8 0 0 0 0 0 1.7 – –

Lowest 10 percent ........................................... 2.9 138,744 98,107 0 392,428 0 2.8 – 1.1

Second 25 percent ............................................... 1.8 0 – 0 0 0 1.7 – 0.5

Third 25 percent ................................................... 1.9 169,926 0 0 – 0 1.9 – –

Highest 25 percent ............................................... 1.3 294,321 0 0 0 0 1.3 – –

Highest 10 percent ........................................... 1.3 – 0 0 0 0 1.3 – 0.5

Establishment characteristic

Service-providing industries ..................................... 1.2 0 0 0 0 0 1.2 – –

Education and health services ............................. 1.4 196,214 0 0 0 0 1.4 – –

Educational services ........................................ 1.5 – 0 0 0 0 1.5 – –

Elementary and secondary schools ............. 1.6 – 0 0 0 0 1.6 – –

Junior colleges, colleges, and universities ... 3.6 – 0 0 – 0 3.6 – –

Health care and social assistance ................... 3.2 0 – 0 554,977 0 3.2 – 0.6

Hospitals ...................................................... 3.9 0 – 353,730 – 0 4.0 – 0.9

Public administration ............................................ 2.2 0 – 0 196,214 0 2.2 – 0.5

1 to 99 workers ........................................................ 3.1 0 98,107 0 0 0 2.8 – 0.9

1 to 49 workers .................................................... 3.8 0 – – 0 0 3.5 – 0.5

50 to 99 workers .................................................. 5.0 – 0 0 0 0 4.3 – 1.9

100 workers or more ................................................ 1.2 0 0 0 0 0 1.2 – –

100 to 499 workers .............................................. 3.0 0 138,744 0 0 0 2.9 – –

500 workers or more ............................................ 1.4 0 0 0 – 0 1.4 – 0.4

State government .................................................... 2.7 – 0 0 98,107 0 2.7 – 0.2

Local government .................................................... 1.2 0 0 0 0 0 1.1 – –

See footnotes at end of table.
Table 3. Standard errors for medical care benefits: Amount of lifetime maximum, state and local government

workers, National Compensation Survey, 2011—Continued

Characteristics

With

lifetime

maximum

Amount of lifetime maximum

Unlimited

maximum Other

Not

determinable 10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Geographic area

New England ........................................................... – – – – – – 3.2 – 1.4

Middle Atlantic ......................................................... 1.3 $0 – $0 – – 1.3 – 0.1

East North Central ................................................... 2.5 – $0 – $0 $0 2.3 – –

West North Central .................................................. 6.4 0 – – 0 0 6.5 – 0.9

South Atlantic ........................................................... 3.9 240,312 0 0 – 0 4.0 – 0.3

West South Central .................................................. 3.5 0 – 0 0 0 2.5 – 1.2

Mountain .................................................................. 2.9 0 0 0 0 1,109,955 3.6 – 1.3

Pacific ...................................................................... 3.5 310,242 0 0 – 0 3.1 – 1.4

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, 2010." 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/glossary20102011.htm.
Table 4. Medical care benefits: Eligibility requirements, state and local government workers, National Compensation Survey, 2011

(All workers participating in medical care plans = 100 percent)

Characteristics Total With service

requirement

Service requirement

With no service

requirement

Not

determinable 1 month 2 months 3 months Greater than

3 months

Not

determinable

Median

service

requirement

(in months)

All workers ............................................................... 100 46 35 7 4 – – 1 45 9

Worker characteristic

Management, professional, and related .................. 100 44 35 6 2 – – 1 47 9

Professional and related ...................................... 100 43 34 6 2 – – 1 48 9

Teachers .......................................................... 100 41 33 6 1 – – 1 49 10

Primary, secondary, and special education

school teachers .......................................... 100 41 33 6 1 – 1 ( ) 1 47 12

Service ..................................................................... 100 49 34 8 7 – – 1 43 8

Protective service ................................................ 100 49 33 9 7 – – 1 41 9

Sales and office ....................................................... 100 46 34 5 6 – – 1 46 9

Office and administrative support ........................ 100 45 34 6 5 – – 1 46 9

Natural resources, construction, and maintenance 100 52 35 9 7 – – 1 37 10

Production, transportation, and material moving ..... 100 57 39 – 7 – 1 1 34 9

Full time ................................................................... 100 46 35 7 4 – – 1 45 9

Part time .................................................................. 100 36 30 2 – – 1 1 54 10

Union ....................................................................... 100 36 24 8 3 1 ( ) 1 ( ) 1 51 13

Nonunion ................................................................. 100 56 45 5 5 – – 1 39 5

Average wage within the following categories:2

Lowest 25 percent ............................................... 100 56 42 6 7 – – 1 38 6

Lowest 10 percent ........................................... 100 59 44 – 9 – 1 ( ) 1 37 4

Second 25 percent ............................................... 100 46 35 6 5 – – 1 45 9

Third 25 percent ................................................... 100 47 35 6 5 – – 1 46 8

Highest 25 percent ............................................... 100 39 29 8 2 – – 1 50 12

Highest 10 percent ........................................... 100 33 23 8 2 – – 1 54 13

Establishment characteristic

Service-providing industries ..................................... 100 46 35 6 4 – – 1 45 9

Education and health services ............................. 100 44 35 6 3 – – 1 48 9

Educational services ........................................ 100 42 34 6 1 – – 1 49 9

Elementary and secondary schools ............. 100 42 34 6 2 – – 1 46 12

Junior colleges, colleges, and universities ... 100 39 34 – – – – 1 59 2

Health care and social assistance ................... 100 58 41 6 11 – – 1 38 4

Hospitals ...................................................... 100 65 47 3 15 – – 1 31 4

Public administration ............................................ 100 48 34 7 7 – – 1 43 9

1 to 99 workers ........................................................ 100 56 40 9 – – 1 ( ) 1 40 4

1 to 49 workers .................................................... 100 55 37 – – – 1 1 38 7

50 to 99 workers .................................................. 100 58 44 – – – – 1 42 1

100 workers or more ................................................ 100 45 34 6 4 – – 1 46 9

100 to 499 workers .............................................. 100 49 36 7 5 – – 1 44 7

500 workers or more ............................................ 100 43 33 6 3 – – 1 47 10

State government .................................................... 100 41 34 7 – – – 1 58 1

Local government .................................................... 100 48 35 6 6 – – 1 40 12

See footnotes at end of table.
Table 4. Medical care benefits: Eligibility requirements, state and local government workers, National Compensation Survey,

2011—Continued

(All workers participating in medical care plans = 100 percent)

Characteristics Total With service

requirement

Service requirement

With no service

requirement

Not

determinable 1 month 2 months 3 months Greater than

3 months

Not

determinable

Median

service

requirement

(in months)

Geographic area

New England ........................................................... 100 36 – 18 – – 1 – 47 17

Middle Atlantic ......................................................... 100 32 9 18 – – 1 2 60 8

East North Central ................................................... 100 40 31 2 7 – – 1 51 10

West North Central .................................................. 100 59 47 – – – – 1 36 5

South Atlantic ........................................................... 100 46 36 – 5 – – 1 46 8

Mountain .................................................................. 100 43 33 – – – 3 1 – –

Pacific ...................................................................... 100 28 25 – – – 1 ( ) 1 57 15

1 Less than 0.5. 2 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, 2010." 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.
Table 4. Standard errors for medical care benefits: Eligibility requirements, state and local government workers, National

Compensation Survey, 2011

Characteristics With service

requirement

Service requirement

With no service

requirement

Not

determinable 1 month 2 months 3 months Greater than

3 months

Not

determinable

Median

service

requirement

(in months)

All workers ............................................................... 1.8 1.5 0.8 0.5 – – 0.0 2.1 0.7

Worker characteristic

Management, professional, and related .................. 2.0 1.7 0.8 0.4 – – 0.0 2.3 0.8

Professional and related ...................................... 2.1 1.7 0.9 0.4 – – 0.0 2.3 0.9

Teachers .......................................................... 2.0 1.9 0.8 0.2 – – 0.0 2.4 1.2

Primary, secondary, and special education

school teachers .......................................... 2.0 1.9 1.0 0.3 – 0.2 0.0 2.5 1.4

Service ..................................................................... 2.3 2.0 1.0 1.2 – – 0.0 2.6 0.9

Protective service ................................................ 3.3 3.1 1.6 1.7 – – 0.0 3.4 1.5

Sales and office ....................................................... 2.4 2.1 0.9 1.0 – – 0.0 2.5 1.0

Office and administrative support ........................ 2.3 2.1 0.9 0.9 – – 0.0 2.5 1.1

Natural resources, construction, and maintenance 3.0 2.5 1.9 1.2 – – 0.0 3.2 2.1

Production, transportation, and material moving ..... 4.0 3.9 – 1.3 – 1.0 0.0 3.8 2.1

Full time ................................................................... 1.9 1.6 0.8 0.5 – – 0.0 2.2 0.7

Part time .................................................................. 3.4 3.1 0.5 – – 0.6 0.0 4.1 2.5

Union ....................................................................... 1.6 1.5 0.8 0.6 0.1 0.2 0.0 1.8 1.1

Nonunion ................................................................. 3.2 2.5 1.2 0.8 – – 0.0 3.4 0.6

Average wage within the following categories:1

Lowest 25 percent ............................................... 3.6 3.0 1.4 1.2 – – 0.0 4.0 0.8

Lowest 10 percent ........................................... 5.4 4.9 – 2.0 – 0.3 0.0 5.8 1.1

Second 25 percent ............................................... 2.0 2.0 1.2 0.9 – – 0.0 2.1 1.0

Third 25 percent ................................................... 2.1 2.1 0.9 0.6 – – 0.0 2.2 0.9

Highest 25 percent ............................................... 1.7 1.4 0.7 0.4 – – 0.0 2.0 1.1

Highest 10 percent ........................................... 1.9 1.6 1.0 0.4 – – 0.0 2.2 1.5

Establishment characteristic

Service-providing industries ..................................... 1.8 1.5 0.8 0.5 – – 0.0 2.1 0.7

Education and health services ............................. 2.2 1.8 0.9 0.5 – – 0.0 2.6 1.0

Educational services ........................................ 2.3 1.8 0.9 0.3 – – 0.0 2.7 1.1

Elementary and secondary schools ............. 1.9 1.7 1.0 0.4 – – 0.0 2.6 1.4

Junior colleges, colleges, and universities ... 6.2 6.2 – – – – 0.0 6.3 0.6

Health care and social assistance ................... 4.0 3.3 1.5 3.0 – – 0.0 4.0 1.1

Hospitals ...................................................... 4.3 4.2 0.7 4.1 – – 0.0 4.2 0.7

Public administration ............................................ 2.5 2.3 1.0 1.2 – – 0.0 2.5 1.0

1 to 99 workers ........................................................ 3.6 3.5 2.3 – – 0.4 0.0 3.7 1.5

1 to 49 workers .................................................... 4.2 4.1 – – – 0.7 0.0 4.4 2.5

50 to 99 workers .................................................. 5.9 5.1 – – – – 0.0 5.9 0.3

100 workers or more ................................................ 1.9 1.6 0.7 0.5 – – 0.0 2.2 0.8

100 to 499 workers .............................................. 2.9 2.9 1.4 1.2 – – 0.0 3.3 1.0

500 workers or more ............................................ 2.0 1.8 0.7 0.6 – – 0.0 2.3 1.0

State government .................................................... 4.0 3.7 1.5 – – – 0.0 4.2 0.5

Local government .................................................... 1.6 1.5 0.7 0.7 – – 0.0 2.1 1.0

See footnotes at end of table.
Table 4. Standard errors for medical care benefits: Eligibility requirements, state and local government workers, National

Compensation Survey, 2011—Continued

Characteristics With service

requirement

Service requirement

With no service

requirement

Not

determinable 1 month 2 months 3 months Greater than

3 months

Not

determinable

Median

service

requirement

(in months)

Geographic area

New England ........................................................... 4.5 – 4.7 – – 0.6 – 6.1 2.5

Middle Atlantic ......................................................... 2.3 1.1 1.9 – – 0.4 0.0 3.0 1.5

East North Central ................................................... 3.7 3.7 0.5 1.7 – – 0.0 3.9 1.4

West North Central .................................................. 3.9 7.9 – – – – 0.0 3.4 2.3

South Atlantic ........................................................... 4.2 3.9 – 1.2 – – 0.0 4.9 1.6

Mountain .................................................................. 9.3 6.9 – – – 3.0 0.0 – –

Pacific ...................................................................... 2.8 2.5 – – – 0.1 0.0 2.7 1.4

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,

2010." 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/glossary20102011.htm.
Table 5. Medical care benefits: Coverage for selected services, state and local government workers, National

Compensation Survey, 2011

(All workers participating in medical care plans = 100 percent)

Characteristics

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery

Physician

office visit

Skilled

nursing

facility

Home health

care Hospice care

All workers ............................................................... 99 98 98 100 82 83 80

Worker characteristic

Management, professional, and related .................. 100 99 99 100 82 83 80

Professional and related ...................................... 100 99 99 100 82 84 80

Teachers .......................................................... 99 99 99 100 80 82 78

Primary, secondary, and special education

school teachers .......................................... 99 99 99 100 79 80 –

Service ..................................................................... 99 98 98 100 83 85 81

Protective service ................................................ 99 98 98 100 83 85 80

Sales and office ....................................................... 99 98 98 100 82 85 80

Office and administrative support ........................ 99 98 98 100 82 85 80

Natural resources, construction, and maintenance 99 98 98 100 74 79 –

Production, transportation, and material moving ..... 98 97 97 100 75 – –

Full time ................................................................... 99 98 98 100 82 83 79

Part time .................................................................. 100 100 99 100 77 86 82

Union ....................................................................... 99 98 98 100 83 82 77

Nonunion ................................................................. 99 99 99 100 80 85 82

Average wage within the following categories:1

Lowest 25 percent ............................................... 99 98 98 100 80 85 82

Lowest 10 percent ........................................... 98 98 98 100 80 86 84

Second 25 percent ............................................... 99 99 99 100 81 85 79

Third 25 percent ................................................... 99 99 99 100 83 83 80

Highest 25 percent ............................................... 100 98 98 100 82 81 78

Highest 10 percent ........................................... 100 99 99 100 82 82 79

Establishment characteristic

Service-providing industries ..................................... 99 98 98 100 82 83 80

Education and health services ............................. 100 99 99 100 81 84 80

Educational services ........................................ 100 99 99 100 80 83 79

Elementary and secondary schools ............. 99 99 99 100 80 81 77

Junior colleges, colleges, and universities ... 100 99 99 100 83 91 85

Health care and social assistance ................... 100 99 99 100 83 85 86

Hospitals ...................................................... 100 99 99 100 81 87 85

Public administration ............................................ 98 98 98 100 84 84 79

1 to 99 workers ........................................................ 97 97 97 100 – – –

1 to 49 workers .................................................... 97 97 97 100 79 80 79

50 to 99 workers .................................................. – – – 100 – – –

100 workers or more ................................................ 99 99 99 100 82 84 80

100 to 499 workers .............................................. 99 99 99 100 82 83 81

500 workers or more ............................................ 100 99 99 100 83 84 80

State government .................................................... 100 99 99 100 88 90 90

Local government .................................................... 99 98 98 100 79 81 –

See footnotes at end of table.
Table 5. Medical care benefits: Coverage for selected services, state and local government workers, National

Compensation Survey, 2011—Continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery

Physician

office visit

Skilled

nursing

facility

Home health

care Hospice care

Geographic area

New England ........................................................... 99 99 99 100 85 79 76

Middle Atlantic ......................................................... 100 97 97 100 91 83 85

East North Central ................................................... 99 98 98 100 75 82 –

West North Central .................................................. 99 99 99 100 – 84 –

South Atlantic ........................................................... 99 99 99 100 87 88 84

West South Central .................................................. 100 99 99 100 78 81 79

Mountain .................................................................. 100 100 100 100 – – –

Pacific ...................................................................... 99 99 99 100 84 84 –

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, 2010." 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/glossary20102011.htm.
Table 5. Standard errors for medical care benefits: Coverage for selected services, state and local government

workers, National Compensation Survey, 2011

Characteristics

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery

Physician

office visit

Skilled

nursing

facility

Home health

care Hospice care

All workers ............................................................... 0.2 0.2 0.2 0.1 1.5 1.1 1.2

Worker characteristic

Management, professional, and related .................. 0.1 0.2 0.2 0.1 1.6 1.4 1.3

Professional and related ...................................... 0.1 0.2 0.2 0.1 1.7 1.4 1.3

Teachers .......................................................... 0.2 0.3 0.3 0.1 2.0 1.9 1.8

Primary, secondary, and special education

school teachers .......................................... 0.3 0.4 0.4 0.2 2.1 2.2 –

Service ..................................................................... 0.4 0.4 0.4 1 ( ) 1.5 1.2 1.2

Protective service ................................................ 0.5 0.5 0.5 1 ( ) 2.1 1.9 2.2

Sales and office ....................................................... 0.4 0.4 0.4 0.1 1.9 1.5 2.0

Office and administrative support ........................ 0.4 0.5 0.5 0.1 1.9 1.4 2.1

Natural resources, construction, and maintenance 0.6 0.6 0.6 1 ( ) 3.2 2.4 –

Production, transportation, and material moving ..... 1.1 1.1 1.1 0.1 2.9 – –

Full time ................................................................... 0.2 0.3 0.3 0.1 1.4 1.1 1.1

Part time .................................................................. 1 ( ) 0.3 0.3 1 ( ) 5.9 2.9 3.0

Union ....................................................................... 0.2 0.2 0.2 1 ( ) 1.6 1.4 1.4

Nonunion ................................................................. 0.4 0.4 0.4 0.1 2.0 1.3 1.5

Average wage within the following categories:2

Lowest 25 percent ............................................... 0.6 0.6 0.6 0.1 2.3 1.4 1.5

Lowest 10 percent ........................................... 1.3 1.3 1.3 1 ( ) 3.2 1.9 1.8

Second 25 percent ............................................... 0.3 0.3 0.3 1 ( ) 1.8 1.2 1.7

Third 25 percent ................................................... 0.3 0.3 0.3 1 ( ) 1.6 1.4 1.4

Highest 25 percent ............................................... 0.2 0.3 0.3 0.1 1.7 1.6 1.5

Highest 10 percent ........................................... 0.1 0.2 0.2 1 ( ) 2.0 1.3 1.6

Establishment characteristic

Service-providing industries ..................................... 0.2 0.2 0.2 0.1 1.5 1.1 1.2

Education and health services ............................. 0.2 0.2 0.2 0.1 2.0 1.6 1.4

Educational services ........................................ 0.2 0.3 0.3 0.1 2.1 1.7 1.6

Elementary and secondary schools ............. 0.2 0.4 0.4 0.1 1.9 2.1 2.0

Junior colleges, colleges, and universities ... 0.3 0.4 0.4 1 ( ) 5.0 2.0 3.4

Health care and social assistance ................... 1 ( ) 0.1 0.1 1 ( ) 2.9 2.1 2.7

Hospitals ...................................................... 1 ( ) 0.2 0.2 1 ( ) 3.5 2.5 3.6

Public administration ............................................ 0.6 0.6 0.6 0.1 1.7 1.5 1.8

1 to 99 workers ........................................................ 1.1 1.1 1.1 1 ( )–––

1 to 49 workers .................................................... 1.6 1.6 1.6 1 ( ) 3.9 3.7 3.8

50 to 99 workers .................................................. – – – 1 ( )–––

100 workers or more ................................................ 0.2 0.2 0.2 0.1 1.5 1.1 1.2

100 to 499 workers .............................................. 0.5 0.5 0.5 1 ( ) 1.9 1.5 1.8

500 workers or more ............................................ 0.1 0.2 0.2 0.1 1.8 1.3 1.5

State government .................................................... 0.1 0.2 0.2 1 ( ) 2.6 1.3 2.2

Local government .................................................... 0.3 0.3 0.3 0.1 1.5 1.3 –

See footnotes at end of table.
Table 5. Standard errors for medical care benefits: Coverage for selected services, state and local government

workers, National Compensation Survey, 2011—Continued

Characteristics

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery

Physician

office visit

Skilled

nursing

facility

Home health

care Hospice care

Geographic area

New England ........................................................... 0.8 0.7 0.7 1 ( ) 3.2 5.8 4.0

Middle Atlantic ......................................................... 0.1 0.2 0.2 1 ( ) 1.6 1.1 1.7

East North Central ................................................... 0.7 0.8 0.8 1 ( ) 3.4 2.6 –

West North Central .................................................. 0.5 0.5 0.5 0.3 – 3.6 –

South Atlantic ........................................................... 0.4 0.4 0.4 1 ( ) 1.8 1.6 1.9

West South Central .................................................. 0.4 0.9 0.9 0.5 3.4 3.7 4.1

Mountain .................................................................. 1 ( ) 1 ( ) 1 ( ) 1 ( )–––

Pacific ...................................................................... 0.4 0.5 0.5 1 ( ) 2.9 2.5 –

1 Less than 0.05. 2 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, 2010." 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/glossary20102011.htm.
Table 6. Medical care benefits: Coverage for selected services by type of plan, state and local government workers, National

Compensation Survey, 2011

(All workers participating in medical care plans = 100 percent)

Characteristics

All plans Fee-for-service plan Health maintenance organization

Adult

physical

exam

Well baby

care1

Adult

immunization

and inoculation

Adult

physical

exam

Well baby

care1

Adult

immunization

and inoculation

Adult

physical

exam

Well baby

care1

Adult

immunization

and inoculation

All workers ............................................................... 85 84 70 84 84 70 87 86 –

Worker characteristic

Management, professional, and related .................. 86 85 72 85 85 72 87 86 –

Professional and related ...................................... 86 85 71 86 85 72 87 86 –

Teachers .......................................................... 85 84 70 85 84 71 85 85 –

Primary, secondary, and special education

school teachers .......................................... 85 83 – 85 82 69 85 85 –

Service ..................................................................... 83 83 – 81 82 – 86 86 –

Protective service ................................................ 80 83 – 78 83 – 84 82 –

Sales and office ....................................................... 84 83 71 82 83 70 89 83 –

Office and administrative support ........................ 84 83 70 82 83 69 89 83 –

Natural resources, construction, and maintenance 88 84 69 88 83 69 87 85 –

Production, transportation, and material moving ..... 86 83 – 86 81 – 87 88 –

Full time ................................................................... 85 84 70 84 84 70 87 85 –

Part time .................................................................. 87 86 – 85 83 70 91 94 –

Union ....................................................................... 81 81 – 77 78 – 88 86 –

Nonunion ................................................................. 89 87 76 90 88 77 86 85 –

Average wage within the following categories:2

Lowest 25 percent ............................................... 87 86 73 86 85 72 91 89 –

Lowest 10 percent ........................................... 89 87 77 88 86 75 94 93 –

Second 25 percent ............................................... 84 83 69 84 83 69 86 84 –

Third 25 percent ................................................... 87 87 72 87 88 73 86 86 –

Highest 25 percent ............................................... 83 81 – 80 80 – 87 85 –

Highest 10 percent ........................................... 79 81 – – – – 85 85 –

Establishment characteristic

Service-providing industries ..................................... 85 84 70 84 83 70 87 85 –

Education and health services ............................. 87 85 72 87 85 72 87 87 –

Educational services ........................................ 87 86 72 87 85 73 86 86 –

Elementary and secondary schools ............. 85 83 – 85 83 68 86 85 –

Junior colleges, colleges, and universities ... 90 92 85 92 93 88 84 89 –

Health care and social assistance ................... 88 84 72 85 83 67 96 90 –

Hospitals ...................................................... 88 80 70 85 78 – 95 85 –

Public administration ............................................ 81 82 – 78 81 – 87 84 –

1 to 99 workers ........................................................ 83 84 72 82 82 70 90 93 –

1 to 49 workers .................................................... 82 85 – 81 84 – 87 90 –

50 to 99 workers .................................................. 85 83 72 83 81 69 95 98 –

100 workers or more ................................................ 85 84 70 85 84 70 87 85 –

100 to 499 workers .............................................. 86 85 69 86 85 69 88 88 –

500 workers or more ............................................ 85 84 – 84 83 71 87 84 –

State government .................................................... 94 95 88 94 95 88 95 95 –

Local government .................................................... 82 80 – 81 79 – 84 82 –

See footnotes at end of table.
Table 6. Medical care benefits: Coverage for selected services by type of plan, state and local government workers, National

Compensation Survey, 2011—Continued

(All workers participating in medical care plans = 100 percent)

Characteristics

All plans Fee-for-service plan Health maintenance organization

Adult

physical

exam

Well baby

care1

Adult

immunization

and inoculation

Adult

physical

exam

Well baby

care1

Adult

immunization

and inoculation

Adult

physical

exam

Well baby

care1

Adult

immunization

and inoculation

Geographic area

New England ........................................................... 91 88 – 88 88 57 95 89 –

Middle Atlantic ......................................................... 78 – – – – – 92 88 –

East North Central ................................................... – – – 77 – – – – –

West North Central .................................................. 85 77 71 85 75 70 90 93 –

South Atlantic ........................................................... 93 88 70 96 92 72 85 79 –

West South Central .................................................. 93 95 87 92 95 87 98 96 –

Mountain .................................................................. – – – 80 – – – 84 –

Pacific ...................................................................... 81 87 83 70 84 77 90 89 –

1 Provides preventive pediatric care, routine pediatric care, and routine pediatric immunization

for children two years and younger. 2 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, 2010." 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/glossary20102011.htm.
Table 6. Standard errors for medical care benefits: Coverage for selected services by type of plan, state and local government

workers, National Compensation Survey, 2011

Characteristics

All plans Fee-for-service plan Health maintenance organization

Adult

physical

exam

Well baby

care1

Adult

immunization

and inoculation

Adult

physical

exam

Well baby

care1

Adult

immunization

and inoculation

Adult

physical

exam

Well baby

care1

Adult

immunization

and inoculation

All workers ............................................................... 0.9 0.9 1.3 1.1 1.2 1.6 1.1 1.2 –

Worker characteristic

Management, professional, and related .................. 1.1 1.1 1.5 1.4 1.4 1.8 1.2 1.5 –

Professional and related ...................................... 1.1 1.1 1.5 1.3 1.4 1.9 1.3 1.6 –

Teachers .......................................................... 1.3 1.4 1.7 1.5 1.7 2.1 1.7 2.3 –

Primary, secondary, and special education

school teachers .......................................... 1.3 1.7 – 1.7 2.0 2.3 2.0 2.6 –

Service ..................................................................... 1.5 1.2 – 1.9 1.6 – 1.9 1.9 –

Protective service ................................................ 2.2 1.9 – 2.9 2.5 – 3.1 3.1 –

Sales and office ....................................................... 1.8 1.6 2.7 2.4 2.0 3.0 1.6 2.1 –

Office and administrative support ........................ 1.7 1.6 2.5 2.3 1.9 2.9 1.6 2.1 –

Natural resources, construction, and maintenance 1.8 2.2 3.0 2.1 2.8 3.6 2.7 2.9 –

Production, transportation, and material moving ..... 2.1 2.8 – 2.5 3.6 – 4.9 4.5 –

Full time ................................................................... 1.0 0.9 1.3 1.2 1.2 1.6 1.1 1.2 –

Part time .................................................................. 1.7 2.6 – 2.3 3.5 4.2 2.8 2.8 –

Union ....................................................................... 1.4 1.3 – 1.9 1.7 – 1.3 1.4 –

Nonunion ................................................................. 0.9 1.1 2.1 1.0 1.3 2.3 1.8 1.7 –

Average wage within the following categories:2

Lowest 25 percent ............................................... 1.4 1.3 2.1 1.5 1.6 2.4 2.0 2.2 –

Lowest 10 percent ........................................... 1.6 2.0 2.8 1.9 2.3 3.2 2.2 2.4 –

Second 25 percent ............................................... 1.4 1.3 1.8 1.7 1.5 2.2 1.6 1.6 –

Third 25 percent ................................................... 1.2 0.9 1.6 1.4 1.0 2.0 1.7 1.8 –

Highest 25 percent ............................................... 1.3 1.4 – 1.6 1.8 – 1.3 1.7 –

Highest 10 percent ........................................... 1.4 1.3 – – – – 1.7 1.9 –

Establishment characteristic

Service-providing industries ..................................... 0.9 0.9 1.3 1.1 1.2 1.6 1.1 1.2 –

Education and health services ............................. 1.0 1.3 1.6 1.1 1.6 1.9 1.4 1.8 –

Educational services ........................................ 1.1 1.3 1.6 1.3 1.5 1.9 1.6 2.1 –

Elementary and secondary schools ............. 1.3 1.6 – 1.6 2.0 2.2 1.9 2.7 –

Junior colleges, colleges, and universities ... 2.0 1.8 2.5 1.7 1.6 2.4 3.6 3.1 –

Health care and social assistance ................... 2.4 3.0 3.2 3.2 3.9 3.4 1.2 1.9 –

Hospitals ...................................................... 3.4 4.3 4.0 4.5 5.6 – 1.8 2.8 –

Public administration ............................................ 1.9 1.3 – 2.6 1.7 – 1.4 1.5 –

1 to 99 workers ........................................................ 2.4 2.4 3.1 2.7 2.8 3.6 4.6 4.4 –

1 to 49 workers .................................................... 3.5 3.3 – 3.8 3.8 – 7.5 7.3 –

50 to 99 workers .................................................. 3.4 2.9 4.5 4.0 3.5 5.1 2.4 1.9 –

100 workers or more ................................................ 1.0 1.0 1.4 1.2 1.3 1.6 1.1 1.2 –

100 to 499 workers .............................................. 1.7 1.6 2.5 1.8 1.8 2.6 3.0 2.9 –

500 workers or more ............................................ 1.1 1.1 – 1.3 1.5 2.0 1.2 1.2 –

State government .................................................... 1.9 0.9 1.9 2.5 1.2 2.5 1.0 0.8 –

Local government .................................................... 1.0 1.2 – 1.1 1.4 – 1.6 1.8 –

See footnotes at end of table.
Table 6. Standard errors for medical care benefits: Coverage for selected services by type of plan, state and local government

workers, National Compensation Survey, 2011—Continued

Characteristics

All plans Fee-for-service plan Health maintenance organization

Adult

physical

exam

Well baby

care1

Adult

immunization

and inoculation

Adult

physical

exam

Well baby

care1

Adult

immunization

and inoculation

Adult

physical

exam

Well baby

care1

Adult

immunization

and inoculation

Geographic area

New England ........................................................... 2.7 5.2 – 2.5 5.9 9.1 2.6 7.6 –

Middle Atlantic ......................................................... 1.3 – – – – – 0.8 0.9 –

East North Central ................................................... – – – 3.1 – – – – –

West North Central .................................................. 2.8 4.4 4.9 2.6 4.7 5.1 5.4 3.0 –

South Atlantic ........................................................... 1.0 1.4 4.4 0.6 1.3 5.3 2.7 2.8 –

West South Central .................................................. 1.9 1.9 3.2 2.1 2.0 3.5 2.2 2.3 –

Mountain .................................................................. – – – 6.4 – – – 3.7 –

Pacific ...................................................................... 4.1 2.4 3.0 7.2 3.6 4.9 2.0 2.1 –

1 Provides preventive pediatric care, routine pediatric care, and routine pediatric immunization

for children two years and younger. 2 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, 2010." 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/glossary20102011.htm.
Table 7. Medical care benefits: Median copayment per visit for selected services by type of plan, state and local government

workers, National Compensation Survey, 2011

(Includes all workers participating in plans with specified copayments)

Characteristics

Hospital room and board Physician office visit Outpatient surgery

All plans

Fee-forservice

plans

Health

maintenance

organizations

All plans

Fee-forservice

plans

Health

maintenance

organizations

All plans

Fee-forservice

plans

Health

maintenance

organizations

All workers ............................................................... $200 $200 $250 $20 $20 $15 $30 $30 $50

Worker characteristic

Management, professional, and related .................. 200 200 250 20 20 15 30 30 50

Professional and related ...................................... 200 200 250 20 20 15 35 30 50

Teachers .......................................................... 200 200 250 20 20 15 – – 50

Primary, secondary, and special education

school teachers .......................................... 200 200 250 20 20 15 50 – –

Service ..................................................................... 200 200 250 20 20 15 – 30 50

Protective service ................................................ 200 200 250 15 20 15 – – 50

Sales and office ....................................................... 200 200 250 20 20 15 30 25 50

Office and administrative support ........................ 200 200 250 20 20 15 30 30 40

Natural resources, construction, and maintenance 200 – 275 20 20 15 30 30 –

Production, transportation, and material moving ..... – – 200 15 15 15 – – –

Full time ................................................................... 200 200 250 20 20 15 30 30 50

Part time .................................................................. 250 200 250 20 20 15 – – 50

Union ....................................................................... 200 200 – 15 15 15 30 30 50

Nonunion ................................................................. 200 200 250 25 25 15 – 30 –

Average wage within the following categories:1

Lowest 25 percent ............................................... 200 200 250 20 20 – – 30 –

Lowest 10 percent ........................................... – 200 250 25 25 20 – – –

Second 25 percent ............................................... 200 200 250 20 20 15 30 30 50

Third 25 percent ................................................... 200 200 250 20 20 15 30 30 50

Highest 25 percent ............................................... – 200 250 15 20 15 35 30 –

Highest 10 percent ........................................... 200 150 250 15 15 15 30 25 –

Establishment characteristic

Service-providing industries ..................................... 200 200 250 20 20 15 30 30 50

Education and health services ............................. 200 200 250 20 20 15 – – 50

Educational services ........................................ 200 200 250 20 20 15 – – 50

Elementary and secondary schools ............. 200 200 250 20 20 15 – – 50

Junior colleges, colleges, and universities ... 250 – 250 20 20 15 – – 50

Health care and social assistance ................... 200 200 200 20 20 15 30 30 –

Hospitals ...................................................... 200 150 200 20 20 – 35 30 45

Public administration ............................................ 200 200 250 15 20 15 30 25 50

1 to 99 workers ........................................................ 200 200 – 20 20 15 – – –

1 to 49 workers .................................................... 200 200 – 20 20 15 – – –

50 to 99 workers .................................................. – – – 20 – 15 – – –

100 workers or more ................................................ 200 200 250 20 20 15 30 30 50

100 to 499 workers .............................................. 200 200 250 20 20 15 – – –

500 workers or more ............................................ 200 200 250 20 20 15 30 30 50

State government .................................................... 250 200 250 20 20 15 30 30 –

Local government .................................................... 200 200 250 20 20 15 30 30 50

See footnotes at end of table.
Table 7. Medical care benefits: Median copayment per visit for selected services by type of plan, state and local government

workers, National Compensation Survey, 2011—Continued

(Includes all workers participating in plans with specified copayments)

Characteristics

Hospital room and board Physician office visit Outpatient surgery

All plans

Fee-forservice

plans

Health

maintenance

organizations

All plans

Fee-forservice

plans

Health

maintenance

organizations

All plans

Fee-forservice

plans

Health

maintenance

organizations

Geographic area

New England ........................................................... $250 $250 $250 – $15 $10 $100 – –

Middle Atlantic ......................................................... 100 – 100 $15 15 15 20 $20 $50

East North Central ................................................... 275 300 275 20 20 15 150 – 150

West North Central .................................................. 180 180 125 20 20 15 100 100 50

South Atlantic ........................................................... 250 250 250 20 20 15 25 25 –

West South Central .................................................. 150 150 500 25 – 25 100 100 250

Mountain .................................................................. – 200 500 20 – 25 40 – –

Pacific ...................................................................... 250 200 250 15 20 15 20 – 15

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, 2010." 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/glossary20102011.htm.
Table 7. Standard errors for medical care benefits: Median copayment per visit for selected services by type of plan, state and local

government workers, National Compensation Survey, 2011

Characteristics

Hospital room and board Physician office visit Outpatient surgery

All plans

Fee-forservice

plans

Health

maintenance

organizations

All plans

Fee-forservice

plans

Health

maintenance

organizations

All plans

Fee-forservice

plans

Health

maintenance

organizations

All workers ............................................................... $0 $0 $0 $0 $0 $0 $2 $0 $2

Worker characteristic

Management, professional, and related .................. 10 0 0 0 0 0 4 0 7

Professional and related ...................................... 0 0 0 0 0 0 8 1 8

Teachers .......................................................... 0 0 0 0 0 0 – – 5

Primary, secondary, and special education

school teachers .......................................... 0 0 0 0 0 0 14 – –

Service ..................................................................... 14 4 0 3 0 0 – 4 0

Protective service ................................................ 49 25 0 4 0 0 – – 3

Sales and office ....................................................... 0 21 0 1 0 0 4 4 8

Office and administrative support ........................ 0 14 0 2 0 0 4 8 11

Natural resources, construction, and maintenance 11 – 21 2 0 0 3 3 –

Production, transportation, and material moving ..... – – 57 0 4 0 – – –

Full time ................................................................... 0 0 0 0 0 0 1 0 3

Part time .................................................................. 38 60 0 4 0 0 – – 11

Union ....................................................................... 55 53 – 0 0 0 0 6 9

Nonunion ................................................................. 0 0 0 5 0 0 – 9 –

Average wage within the following categories:1

Lowest 25 percent ............................................... 35 0 0 0 4 – – 6 –

Lowest 10 percent ........................................... – 0 5 5 4 5 – – –

Second 25 percent ............................................... 0 10 0 0 0 0 0 3 10

Third 25 percent ................................................... 0 0 0 0 0 0 1 3 0

Highest 25 percent ............................................... – 14 14 0 3 0 8 4 –

Highest 10 percent ........................................... 0 17 10 0 0 0 3 5 –

Establishment characteristic

Service-providing industries ..................................... 0 0 0 0 0 0 2 0 4

Education and health services ............................. 0 0 0 0 0 0 – – 12

Educational services ........................................ 0 0 0 0 0 0 – – 9

Elementary and secondary schools ............. 0 0 0 0 0 0 – – 14

Junior colleges, colleges, and universities ... 14 – 0 3 5 0 – – 14

Health care and social assistance ................... 0 20 14 0 2 ( ) 0 3 1 –

Hospitals ...................................................... 43 36 31 0 4 – 7 3 10

Public administration ............................................ 53 15 34 1 0 0 3 5 4

1 to 99 workers ........................................................ 0 0 – 0 2 0 – – –

1 to 49 workers .................................................... 0 19 – 0 2 0 – – –

50 to 99 workers .................................................. – – – 1 – 0 – – –

100 workers or more ................................................ 0 0 0 2 0 0 1 1 2

100 to 499 workers .............................................. 0 14 0 0 0 0 – – –

500 workers or more ............................................ 17 0 0 3 0 0 0 6 0

State government .................................................... 10 0 0 3 0 0 4 0 –

Local government .................................................... 0 0 67 0 0 0 2 2 11

See footnotes at end of table.
Table 7. Standard errors for medical care benefits: Median copayment per visit for selected services by type of plan, state and local

government workers, National Compensation Survey, 2011—Continued

Characteristics

Hospital room and board Physician office visit Outpatient surgery

All plans

Fee-forservice

plans

Health

maintenance

organizations

All plans

Fee-forservice

plans

Health

maintenance

organizations

All plans

Fee-forservice

plans

Health

maintenance

organizations

Geographic area

New England ........................................................... $0 $0 $0 – $0 $0 $9 – –

Middle Atlantic ......................................................... 0 – 0 $0 0 3 0 $0 $0

East North Central ................................................... 26 65 75 5 1 0 0 – 0

West North Central .................................................. 31 21 0 0 1 3 24 0 0

South Atlantic ........................................................... 37 63 0 3 6 0 0 0 –

West South Central .................................................. 0 10 0 0 – 0 0 0 59

Mountain .................................................................. – 50 0 0 – 0 10 – –

Pacific ...................................................................... 0 55 0 0 0 0 4 – 2

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, 2010." See Technical Note for more details. 2 Less than 0.5.

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/glossary20102011.htm.
Table 8. Medical care benefits: Median number of days or visits covered per year for selected

services by type of plan, state and local government workers, National Compensation Survey,

2011

(Includes all workers participating in plans with specified day limits)

Characteristics

Skilled nursing facility Home health care

All plans

Fee-forservice

plans

Health

maintenance

organizations

All plans

Fee-forservice

plans

Health

maintenance

organizations

All workers ............................................................... 100 100 100 100 100 100

Worker characteristic

Management, professional, and related .................. 100 100 100 100 100 100

Professional and related ...................................... 100 100 100 100 100 100

Teachers .......................................................... 100 100 100 90 90 100

Primary, secondary, and special education

school teachers .......................................... 100 100 100 90 90 100

Service ..................................................................... 100 100 100 100 90 100

Protective service ................................................ 100 – 100 100 100 100

Sales and office ....................................................... 100 100 100 100 100 100

Office and administrative support ........................ 100 100 100 100 100 100

Natural resources, construction, and maintenance 100 90 100 90 90 –

Production, transportation, and material moving ..... 100 90 – – 100 –

Full time ................................................................... 100 100 100 100 100 100

Part time .................................................................. 100 100 100 100 100 100

Union ....................................................................... 100 100 100 100 100 100

Nonunion ................................................................. 100 90 100 90 90 60

Average wage within the following categories:1

Lowest 25 percent ............................................... 90 – 100 90 90 –

Second 25 percent ............................................... 100 100 100 100 100 100

Third 25 percent ................................................... 100 100 100 100 100 –

Highest 25 percent ............................................... 100 100 100 100 100 100

Highest 10 percent ........................................... 100 120 100 100 100 100

Establishment characteristic

Service-providing industries ..................................... 100 100 100 100 100 100

Education and health services ............................. 100 100 100 100 90 100

Educational services ........................................ 100 100 100 100 90 100

Elementary and secondary schools ............. 100 100 100 90 90 100

Junior colleges, colleges, and universities ... 100 100 100 100 120 90

Health care and social assistance ................... 100 100 100 100 100 –

Hospitals ...................................................... – – 100 90 100 –

Public administration ............................................ 100 100 100 100 100 100

1 to 99 workers ........................................................ – – 100 – 90 –

1 to 49 workers .................................................... 100 – – 60 – –

50 to 99 workers .................................................. – – 100 – – –

100 workers or more ................................................ 100 100 100 100 100 100

100 to 499 workers .............................................. 100 100 100 90 90 –

500 workers or more ............................................ 100 100 100 100 100 100

State government .................................................... 100 100 100 100 120 60

Local government .................................................... 100 100 100 90 90 100

See footnotes at end of table.
Table 8. Medical care benefits: Median number of days or visits covered per year for selected

services by type of plan, state and local government workers, National Compensation Survey,

2011—Continued

(Includes all workers participating in plans with specified day limits)

Characteristics

Skilled nursing facility Home health care

All plans

Fee-forservice

plans

Health

maintenance

organizations

All plans

Fee-forservice

plans

Health

maintenance

organizations

Geographic area

New England ........................................................... 100 – 100 – – –

Middle Atlantic ......................................................... – – 120 120 120 –

East North Central ................................................... 120 120 120 – 90 60

West North Central .................................................. – – – 60 60 60

South Atlantic ........................................................... 100 100 100 90 100 60

West South Central .................................................. 60 60 – 120 120 –

Mountain .................................................................. – – 100 – – 60

Pacific ...................................................................... 100 – 100 100 120 100

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, 2010." 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/glossary20102011.htm.
Table 8. Standard errors for medical care benefits: Median number of days or visits covered per

year for selected services by type of plan, state and local government workers, National

Compensation Survey, 2011

Characteristics

Skilled nursing facility Home health care

All plans

Fee-forservice

plans

Health

maintenance

organizations

All plans Fee-for-service plans

Health

maintenance

organizations

All workers ............................................................... 0.0 0.0 0.0 5.5 10.0 0.0

Worker characteristic

Management, professional, and related .................. 0.0 0.0 0.0 2.8 6.5 2.0

Professional and related ...................................... 0.0 0.0 0.0 10.6 14.4 8.1

Teachers .......................................................... 0.0 0.0 0.0 3.9 3.9 8.8

Primary, secondary, and special education

school teachers .......................................... 0.0 2.0 0.0 12.6 15.9 11.1

Service ..................................................................... 0.0 10.2 0.0 11.4 11.1 0.0

Protective service ................................................ 0.0 – 0.0 13.5 15.6 15.3

Sales and office ....................................................... 0.0 5.9 0.0 11.1 14.0 4.8

Office and administrative support ........................ 0.0 5.5 0.0 7.3 9.6 6.2

Natural resources, construction, and maintenance 3.4 8.6 0.0 10.7 10.4 –

Production, transportation, and material moving ..... 0.0 18.1 – – 14.3 –

Full time ................................................................... 0.0 2.8 0.0 7.8 12.3 0.0

Part time .................................................................. 0.0 0.0 0.0 0.0 3.9 0.0

Union ....................................................................... 0.0 12.4 0.0 0.0 3.4 0.0

Nonunion ................................................................. 7.1 11.1 0.0 6.2 11.8 0.0

Average wage within the following categories:1

Lowest 25 percent ............................................... 7.8 – 0.0 6.2 4.5 –

Second 25 percent ............................................... 0.0 5.5 0.0 0.0 0.0 0.0

Third 25 percent ................................................... 0.0 0.0 0.0 11.1 8.1 –

Highest 25 percent ............................................... 0.0 0.0 0.0 0.0 2.8 0.0

Highest 10 percent ........................................... 0.0 19.9 0.0 0.0 0.0 0.0

Establishment characteristic

Service-providing industries ..................................... 0.0 0.0 0.0 5.5 10.0 0.0

Education and health services ............................. 0.0 0.0 0.0 12.9 12.1 0.0

Educational services ........................................ 0.0 0.0 0.0 13.0 10.0 0.0

Elementary and secondary schools ............. 0.0 3.4 0.0 4.8 12.7 0.0

Junior colleges, colleges, and universities ... 0.0 0.0 0.0 19.6 7.8 10.9

Health care and social assistance ................... 0.0 21.6 0.0 10.9 7.6 –

Hospitals ...................................................... – – 17.9 12.4 12.6 –

Public administration ............................................ 0.0 7.6 0.0 0.0 0.0 9.4

1 to 99 workers ........................................................ – – 0.0 – 9.9 –

1 to 49 workers .................................................... 10.9 – – 16.6 – –

50 to 99 workers .................................................. – – 0.0 – – –

100 workers or more ................................................ 0.0 0.0 0.0 2.0 5.9 0.0

100 to 499 workers .............................................. 0.0 9.2 0.0 2.8 2.0 –

500 workers or more ............................................ 0.0 0.0 0.0 0.0 0.0 0.0

State government .................................................... 0.0 0.0 0.0 27.5 5.5 0.0

Local government .................................................... 0.0 8.8 0.0 7.1 0.0 0.0

See footnotes at end of table.
Table 8. Standard errors for medical care benefits: Median number of days or visits covered per

year for selected services by type of plan, state and local government workers, National

Compensation Survey, 2011—Continued

Characteristics

Skilled nursing facility Home health care

All plans

Fee-forservice

plans

Health

maintenance

organizations

All plans Fee-for-service plans

Health

maintenance

organizations

Geographic area

New England ........................................................... 0.0 – 0.0 – – –

Middle Atlantic ......................................................... – – 0.0 11.1 13.6 –

East North Central ................................................... 6.8 20.2 0.0 – 0.0 14.1

West North Central .................................................. – – – 0.0 0.0 0.0

South Atlantic ........................................................... 0.0 0.0 0.0 13.3 5.5 0.0

West South Central .................................................. 0.0 0.0 – 21.1 18.0 –

Mountain .................................................................. – – 22.2 – – 0.0

Pacific ...................................................................... 0.0 – 0.0 0.0 24.3 0.0

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, 2010." 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/glossary20102011.htm.
Table 9. Fee-for-service plans: Summary of selected features, state and local government workers, National Compensation

Survey, 2011

(All workers participating in fee-for-service plans = 100 percent)

Characteristics

Annual deductible Coinsurance Annual out-of-pocket maximum

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

All workers ............................................................... 94 5 1 ( ) 69 31 – 80 20 1 ( )

Worker characteristic

Management, professional, and related .................. 94 5 1 ( ) 71 29 – 81 19 1 ( )

Professional and related ...................................... 95 5 1 ( ) 70 30 – 80 19 1 ( )

Teachers .......................................................... 96 4 1 ( ) 70 30 – 80 20 1 ( )

Primary, secondary, and special education

school teachers .......................................... 96 3 1 ( ) 69 31 – 79 21 1 ( )

Service ..................................................................... 96 4 – 67 33 – 78 21 1

Protective service ................................................ 95 5 – 64 36 – 78 21 1

Sales and office ....................................................... 94 6 1 ( ) 68 32 – 81 19 1

Office and administrative support ........................ 93 6 1 ( ) 68 32 – 81 19 1

Natural resources, construction, and maintenance 96 – – 66 34 – 79 20 1

Production, transportation, and material moving ..... 89 10 1 62 38 – 75 25 1

Full time ................................................................... 94 5 1 ( ) 69 31 – 80 20 1

Part time .................................................................. 97 – – 58 42 – 78 22 1 ( )

Union ....................................................................... 92 7 1 ( ) 51 49 – 65 34 1

Nonunion ................................................................. 96 4 1 ( ) 82 18 – 91 9 1 ( )

Average wage within the following categories:2

Lowest 25 percent ............................................... 96 – – 77 23 – 86 13 1 ( )

Lowest 10 percent ........................................... 96 – – 82 18 – 89 11 1 ( )

Second 25 percent ............................................... 94 6 1 ( ) 69 31 – 79 21 1

Third 25 percent ................................................... 93 7 1 ( ) 70 30 – 80 20 1

Highest 25 percent ............................................... 95 5 1 ( ) 61 39 – 75 25 1 ( )

Highest 10 percent ........................................... 94 – – 48 52 – 64 36 1 ( )

Establishment characteristic

Service-providing industries ..................................... 94 5 1 ( ) 69 31 – 80 20 1 ( )

Education and health services ............................. 95 5 1 ( ) 71 29 – 81 19 1 ( )

Educational services ........................................ 95 5 1 ( ) 71 29 – 81 19 1 ( )

Elementary and secondary schools ............. 96 3 1 ( ) 71 29 – 79 20 1

Junior colleges, colleges, and universities ... 93 – – 72 28 – 85 15 –

Health care and social assistance ................... 94 – – 69 31 – 84 16 1 ( )

Hospitals ...................................................... 96 – – 69 31 – 86 14 1 ( )

Public administration ............................................ 94 6 – 66 34 – 78 21 1

1 to 99 workers ........................................................ 92 – – 74 26 – 82 17 1

1 to 49 workers .................................................... 92 – – 79 21 – 83 – –

50 to 99 workers .................................................. 92 – – 67 33 – 81 19 –

100 workers or more ................................................ 95 5 1 ( ) 68 32 – 80 20 1 ( )

100 to 499 workers .............................................. 97 – – 67 33 – 81 19 1

500 workers or more ............................................ 94 6 1 ( ) 69 31 – 79 21 1 ( )

State government .................................................... 90 – – 70 30 – 82 18 1 ( )

Local government .................................................... 96 4 1 ( ) 69 31 – 79 20 1

See footnotes at end of table.
Table 9. Fee-for-service plans: Summary of selected features, state and local government workers, National Compensation

Survey, 2011—Continued

(All workers participating in fee-for-service plans = 100 percent)

Characteristics

Annual deductible Coinsurance Annual out-of-pocket maximum

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Geographic area

New England ........................................................... 87 – – – 81 – – 51 –

Middle Atlantic ......................................................... 97 3 1 ( ) – 86 – 32 68 1 ( )

East North Central ................................................... 97 2 1 63 37 – 81 17 2

West North Central .................................................. 96 – – 88 12 – 89 – –

South Atlantic ........................................................... 97 – – 80 20 – 90 10 1 ( )

West South Central .................................................. 99 – – 96 4 – 92 – –

Mountain .................................................................. 72 – – 61 – – 74 – –

Pacific ...................................................................... 82 18 – 84 16 – 90 – –

1 Less than 0.5. 2 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, 2010." 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.
Table 9. Standard errors for fee-for-service plans: Summary of selected features, state and local government workers,

National Compensation Survey, 2011

Characteristics

Annual deductible Coinsurance Annual out-of-pocket maximum

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

All workers ............................................................... 0.9 0.9 0.1 1.8 1.8 – 1.5 1.5 0.2

Worker characteristic

Management, professional, and related .................. 1.1 1.1 0.1 1.6 1.6 – 1.5 1.5 0.1

Professional and related ...................................... 1.0 1.0 0.1 1.7 1.7 – 1.6 1.6 0.1

Teachers .......................................................... 0.8 0.8 0.1 2.0 2.0 – 1.9 1.9 0.2

Primary, secondary, and special education

school teachers .......................................... 0.8 0.8 0.1 2.2 2.2 – 2.2 2.2 0.2

Service ..................................................................... 0.8 0.8 – 2.5 2.5 – 1.9 1.8 0.4

Protective service ................................................ 1.0 1.0 – 3.9 3.9 – 3.1 3.0 0.7

Sales and office ....................................................... 1.3 1.3 0.1 3.0 3.0 – 2.4 2.4 0.3

Office and administrative support ........................ 1.4 1.4 0.1 3.0 3.0 – 2.3 2.3 0.3

Natural resources, construction, and maintenance 2.4 – – 4.0 4.0 – 2.9 2.9 0.5

Production, transportation, and material moving ..... 2.2 2.2 0.8 5.1 5.1 – 4.2 4.3 0.5

Full time ................................................................... 0.9 0.9 0.1 1.7 1.7 – 1.5 1.5 0.2

Part time .................................................................. 1.3 – – 5.6 5.6 – 3.7 3.7 1 ( )

Union ....................................................................... 1.5 1.5 0.1 2.9 2.9 – 2.7 2.6 0.3

Nonunion ................................................................. 0.8 0.8 0.1 2.3 2.3 – 1.5 1.5 0.1

Average wage within the following categories:2

Lowest 25 percent ............................................... 1.4 – – 3.3 3.3 – 2.2 2.3 0.2

Lowest 10 percent ........................................... 1.5 – – 4.3 4.3 – 3.0 3.0 0.1

Second 25 percent ............................................... 1.4 1.4 0.1 2.5 2.5 – 2.2 2.2 0.3

Third 25 percent ................................................... 1.1 1.1 0.1 2.1 2.1 – 1.6 1.6 0.2

Highest 25 percent ............................................... 0.8 0.8 0.1 1.7 1.7 – 1.7 1.7 0.2

Highest 10 percent ........................................... 1.7 – – 2.6 2.6 – 2.8 2.8 0.2

Establishment characteristic

Service-providing industries ..................................... 0.9 0.9 0.1 1.8 1.8 – 1.5 1.5 0.2

Education and health services ............................. 1.0 1.0 0.1 1.8 1.8 – 1.6 1.6 0.2

Educational services ........................................ 0.9 0.9 0.1 2.0 2.0 – 1.8 1.8 0.2

Elementary and secondary schools ............. 0.8 0.8 0.1 2.1 2.1 – 2.2 2.2 0.3

Junior colleges, colleges, and universities ... 2.7 – – 5.6 5.6 – 3.1 3.1 –

Health care and social assistance ................... 2.7 – – 3.3 3.3 – 2.6 2.6 0.1

Hospitals ...................................................... 3.4 – – 3.8 3.8 – 1.9 1.9 0.1

Public administration ............................................ 1.8 1.8 – 2.6 2.6 – 2.0 1.9 0.4

1 to 99 workers ........................................................ 2.4 – – 4.3 4.3 – 4.3 4.3 0.5

1 to 49 workers .................................................... 3.8 – – 6.1 6.1 – 5.1 – –

50 to 99 workers .................................................. 3.0 – – 5.5 5.5 – 4.7 4.7 –

100 workers or more ................................................ 0.8 0.8 0.1 1.7 1.7 – 1.4 1.3 0.1

100 to 499 workers .............................................. 1.1 – – 2.7 2.7 – 2.3 2.3 0.4

500 workers or more ............................................ 1.0 1.0 0.1 2.0 2.0 – 1.7 1.7 0.1

State government .................................................... 2.9 – – 3.8 3.8 – 2.6 2.6 0.1

Local government .................................................... 0.7 0.7 0.1 1.7 1.7 – 1.6 1.6 0.2

See footnotes at end of table.
Table 9. Standard errors for fee-for-service plans: Summary of selected features, state and local government workers,

National Compensation Survey, 2011—Continued

Characteristics

Annual deductible Coinsurance Annual out-of-pocket maximum

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Geographic area

New England ........................................................... 4.3 – – – 10.2 – – 11.8 –

Middle Atlantic ......................................................... 0.2 0.3 0.1 – 5.1 – 4.5 4.5 0.1

East North Central ................................................... 0.8 0.5 0.4 3.4 3.4 – 2.7 2.8 0.8

West North Central .................................................. 4.7 – – 2.2 2.2 – 6.1 – –

South Atlantic ........................................................... 1.1 – – 4.3 4.3 – 2.9 2.9 0.1

West South Central .................................................. 0.5 – – 1.1 1.1 – 3.8 – –

Mountain .................................................................. 6.1 – – 12.6 – – 14.2 – –

Pacific ...................................................................... 5.0 5.0 – 4.3 4.3 – 3.9 – –

1 Less than 0.05. 2 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, 2010." 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/glossary20102011.htm.
Table 10. Fee-for-service plans: Type and amount of annual individual deductible, state and local government workers, National Compensation

Survey, 2011

(All workers participating in fee-for-service plans = 100 percent)

Characteristics Total

With deductible

With no

deductible

Not

Total with determinable

deductible

With fixed deductible With variable deductible

Other

deductible Total with

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Point-ofservice

All workers ............................................................... 100 94 31 $500 62 $500 $600 – 1 5 1 ( )

Worker characteristic

Management, professional, and related .................. 100 94 31 500 62 500 600 – 1 5 1 ( )

Professional and related ...................................... 100 95 31 500 63 500 600 – 1 5 1 ( )

Teachers .......................................................... 100 96 31 500 63 500 500 $250 2 4 1 ( )

Primary, secondary, and special education

school teachers .......................................... 100 96 31 500 64 500 500 250 1 3 1 ( )

Service ..................................................................... 100 96 – – 66 500 600 – – 4 –

Protective service ................................................ 100 95 – – 65 500 500 – – 5 –

Sales and office ....................................................... 100 94 – – 59 500 – – – 6 1 ( )

Office and administrative support ........................ 100 93 – – 59 500 700 – – 7 1 ( )

Natural resources, construction, and maintenance 100 96 – – 59 500 600 – – – –

Production, transportation, and material moving ..... 100 89 – – 62 500 – – – 10 1

Full time ................................................................... 100 94 31 500 63 500 600 – 1 5 1 ( )

Part time .................................................................. 100 97 – – 52 500 500 – – – –

Union ....................................................................... 100 92 29 – 63 250 – 250 1 7 1 ( )

Nonunion ................................................................. 100 96 – – 62 600 1,000 – – 4 1 ( )

Average wage within the following categories:2

Lowest 25 percent ............................................... 100 96 – – 62 600 1,000 – – – –

Lowest 10 percent ........................................... 100 96 – – 63 – – – – – –

Second 25 percent ............................................... 100 94 – – 63 500 700 500 – 6 1 ( )

Third 25 percent ................................................... 100 93 – – 62 500 500 250 – 7 1 ( )

Highest 25 percent ............................................... 100 95 – – 62 350 500 – – 5 1 ( )

Highest 10 percent ........................................... 100 94 – – 68 350 300 – – – –

Establishment characteristic

Service-providing industries ..................................... 100 94 31 500 62 500 600 – 1 5 1 ( )

Education and health services ............................. 100 95 31 500 63 500 700 – 1 5 1 ( )

Educational services ........................................ 100 95 31 500 63 500 650 – 1 5 1 ( )

Elementary and secondary schools ............. 100 96 32 500 63 500 600 – 1 3 1 ( )

Junior colleges, colleges, and universities ... 100 93 – – 64 – 750 500 – – –

Health care and social assistance ................... 100 94 – – 58 500 – – – – –

Hospitals ...................................................... 100 96 – – 59 – 1,000 – – – –

Public administration ............................................ 100 94 – – 61 – 500 500 – 6 –

1 to 99 workers ........................................................ 100 92 – – 56 500 1,000 – – – –

1 to 49 workers .................................................... 100 92 – – 57 500 1,150 – – – –

50 to 99 workers .................................................. 100 92 – – 54 – – – – – –

100 workers or more ................................................ 100 95 30 500 63 500 500 – 1 5 1 ( )

100 to 499 workers .............................................. 100 97 – – 62 500 500 – – – –

500 workers or more ............................................ 100 94 29 500 64 500 600 – 1 6 1 ( )

State government .................................................... 100 90 – – 64 – 600 1,000 – – –

Local government .................................................... 100 96 33 500 62 500 600 – 1 4 1 ( )

See footnotes at end of table.
Table 10. Fee-for-service plans: Type and amount of annual individual deductible, state and local government workers, National Compensation

Survey, 2011—Continued

(All workers participating in fee-for-service plans = 100 percent)

Characteristics Total

With deductible

With no

deductible

Not

Total with determinable

deductible

With fixed deductible With variable deductible

Other

deductible Total with

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Point-ofservice

Geographic area

New England ........................................................... 100 87 – – 64 $250 $250 – – – –

Middle Atlantic ......................................................... 100 97 10 $250 87 250 – – – 3 1 ( )

East North Central ................................................... 100 97 – – 74 250 500 $350 – 2 1

West North Central .................................................. 100 96 – – 58 500 1,000 – – – –

South Atlantic ........................................................... 100 97 – – 62 600 1,000 – – – –

West South Central .................................................. 100 99 – – 65 500 750 – – – –

Mountain .................................................................. 100 72 – – 50 – – – – – –

Pacific ...................................................................... 100 82 60 – – – – – – 18 –

1 Less than 0.5. 2 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, 2010." 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.
Table 10. Standard errors for fee-for-service plans: Type and amount of annual individual deductible, state and local government workers,

National Compensation Survey, 2011

Characteristics

With deductible

With no

deductible

Not

Total with determinable

deductible

With fixed deductible With variable deductible

Other

deductible Total with

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Point-ofservice

All workers ............................................................... 0.9 2.0 $57 2.1 $0 $99 – 0.3 0.9 0.1

Worker characteristic

Management, professional, and related .................. 1.1 2.3 0 2.2 0 111 – 0.3 1.1 0.1

Professional and related ...................................... 1.0 2.4 0 2.4 0 110 – 0.3 1.0 0.1

Teachers .......................................................... 0.8 2.3 0 2.4 65 96 $24 0.4 0.8 0.1

Primary, secondary, and special education

school teachers .......................................... 0.8 2.5 0 2.6 62 86 28 0.4 0.8 0.1

Service ..................................................................... 0.8 – – 2.5 0 95 – – 0.8 –

Protective service ................................................ 1.0 – – 3.7 114 78 – – 1.0 –

Sales and office ....................................................... 1.3 – – 3.3 37 – – – 1.3 0.1

Office and administrative support ........................ 1.4 – – 3.4 76 169 – – 1.4 0.1

Natural resources, construction, and maintenance 2.4 – – 3.3 147 137 – – – –

Production, transportation, and material moving ..... 2.2 – – 3.5 20 – – – 2.2 0.8

Full time ................................................................... 0.9 2.0 41 2.0 0 98 – 0.3 0.9 0.1

Part time .................................................................. 1.3 – – 5.3 64 123 – – – –

Union ....................................................................... 1.5 1.7 – 2.0 45 – 0 0.2 1.5 0.1

Nonunion ................................................................. 0.8 – – 3.2 74 45 – – 0.8 0.1

Average wage within the following categories:1

Lowest 25 percent ............................................... 1.4 – – 3.1 111 104 – – – –

Lowest 10 percent ........................................... 1.5 – – 3.9 – – – – – –

Second 25 percent ............................................... 1.4 – – 2.8 0 123 39 – 1.4 0.1

Third 25 percent ................................................... 1.1 – – 2.5 35 109 0 – 1.1 0.1

Highest 25 percent ............................................... 0.8 – – 1.8 31 113 – – 0.8 0.1

Highest 10 percent ........................................... 1.7 – – 2.9 33 89 – – – –

Establishment characteristic

Service-providing industries ..................................... 0.9 2.1 60 2.1 0 99 – 0.3 0.9 0.1

Education and health services ............................. 1.0 2.6 0 2.6 73 106 – 0.3 1.0 0.1

Educational services ........................................ 0.9 2.6 0 2.6 96 119 – 0.3 0.9 0.1

Elementary and secondary schools ............. 0.8 2.3 0 2.4 94 118 – 0.3 0.8 0.1

Junior colleges, colleges, and universities ... 2.7 – – 5.9 – 72 0 – – –

Health care and social assistance ................... 2.7 – – 4.8 0 – – – – –

Hospitals ...................................................... 3.4 – – 5.3 – 262 – – – –

Public administration ............................................ 1.8 – – 3.0 – 44 0 – 1.8 –

1 to 99 workers ........................................................ 2.4 – – 3.8 124 104 – – – –

1 to 49 workers .................................................... 3.8 – – 5.7 111 200 – – – –

50 to 99 workers .................................................. 3.0 – – 5.6 – – – – – –

100 workers or more ................................................ 0.8 2.0 45 2.2 29 141 – 0.3 0.8 0.1

100 to 499 workers .............................................. 1.1 – – 2.5 81 140 – – – –

500 workers or more ............................................ 1.0 2.5 91 2.6 24 148 – 0.1 1.0 0.1

State government .................................................... 2.9 – – 4.4 – 168 0 – – –

Local government .................................................... 0.7 1.9 0 1.8 0 81 – 0.3 0.7 0.1

See footnotes at end of table.
Table 10. Standard errors for fee-for-service plans: Type and amount of annual individual deductible, state and local government workers,

National Compensation Survey, 2011—Continued

Characteristics

With deductible

With no

deductible

Not

Total with determinable

deductible

With fixed deductible With variable deductible

Other

deductible Total with

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Point-ofservice

Geographic area

New England ........................................................... 4.3 – – 5.5 $0 $0 – – – –

Middle Atlantic ......................................................... 0.2 2.8 $53 2.8 0 – – – 0.3 0.1

East North Central ................................................... 0.8 – – 2.5 0 15 $81 – 0.5 0.4

West North Central .................................................. 4.7 – – 8.9 99 296 – – – –

South Atlantic ........................................................... 1.1 – – 4.5 0 211 – – – –

West South Central .................................................. 0.5 – – 3.0 0 204 – – – –

Mountain .................................................................. 6.1 – – 6.8 – – – – – –

Pacific ...................................................................... 5.0 4.9 – – – – – – 5.0 –

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, 2010." 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/glossary20102011.htm.
Table 11. Fee-for-service plans: Amount of annual individual deductible, state and local government workers, National

Compensation Survey, 2011

(All workers participating in fee-for-service plans = 100 percent)

Characteristics Total With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................... 100 94 $175 $250 $500 – $1,500 5 1 ( )

Worker characteristic

Management, professional, and related .................. 100 94 200 250 500 – 1,500 5 1 ( )

Professional and related ...................................... 100 95 – 250 500 $900 1,500 5 1 ( )

Teachers .......................................................... 100 96 – 250 500 1,000 1,500 4 1 ( )

Primary, secondary, and special education

school teachers .......................................... 100 96 150 250 500 1,000 1,500 3 1 ( )

Service ..................................................................... 100 96 150 250 500 – 1,500 4 –

Protective service ................................................ 100 95 140 225 – – – 5 –

Sales and office ....................................................... 100 94 200 250 500 – 1,300 6 1 ( )

Office and administrative support ........................ 100 93 200 250 500 900 1,300 7 1 ( )

Natural resources, construction, and maintenance 100 96 – – 350 – 1,500 – –

Production, transportation, and material moving ..... 100 89 – 300 500 1,000 – 10 1

Full time ................................................................... 100 94 200 250 500 – 1,500 5 1 ( )

Part time .................................................................. 100 97 150 200 – – – – –

Union ....................................................................... 100 92 100 200 300 500 1,200 7 1 ( )

Nonunion ................................................................. 100 96 200 300 500 1,000 1,500 4 1 ( )

Average wage within the following categories:2

Lowest 25 percent ............................................... 100 96 200 – 500 1,000 1,500 – –

Lowest 10 percent ........................................... 100 96 200 – – 1,000 2,000 – –

Second 25 percent ............................................... 100 94 – 250 500 750 1,300 6 1 ( )

Third 25 percent ................................................... 100 93 200 250 500 800 1,500 7 1 ( )

Highest 25 percent ............................................... 100 95 150 250 400 750 1,500 5 1 ( )

Highest 10 percent ........................................... 100 94 100 250 350 – 1,000 – –

Establishment characteristic

Service-providing industries ..................................... 100 94 175 250 500 – 1,500 5 1 ( )

Education and health services ............................. 100 95 200 250 500 1,000 1,500 5 1 ( )

Educational services ........................................ 100 95 – 250 500 1,000 1,500 5 1 ( )

Elementary and secondary schools ............. 100 96 – 250 500 1,000 1,500 3 1 ( )

Junior colleges, colleges, and universities ... 100 93 – 250 400 – 1,000 – –

Health care and social assistance ................... 100 94 200 250 500 – – – –

Hospitals ...................................................... 100 96 – – 500 1,000 1,500 – –

Public administration ............................................ 100 94 150 250 400 600 1,500 6 –

1 to 99 workers ........................................................ 100 92 150 250 500 1,000 – – –

1 to 49 workers .................................................... 100 92 150 250 500 – – – –

50 to 99 workers .................................................. 100 92 – 250 500 1,000 2,000 – –

100 workers or more ................................................ 100 95 200 250 500 – 1,500 5 1 ( )

100 to 499 workers .............................................. 100 97 – 250 500 – 1,500 – –

500 workers or more ............................................ 100 94 200 250 500 – 1,500 6 1 ( )

State government .................................................... 100 90 – 250 350 – 1,000 – –

Local government .................................................... 100 96 200 250 500 1,000 1,500 4 1 ( )

See footnotes at end of table.
Table 11. Fee-for-service plans: Amount of annual individual deductible, state and local government workers, National

Compensation Survey, 2011—Continued

(All workers participating in fee-for-service plans = 100 percent)

Characteristics Total With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Geographic area

New England ........................................................... 100 87 $100 – $250 – $1,500 – –

Middle Atlantic ......................................................... 100 97 100 – 250 – 1,000 3 1 ( )

East North Central ................................................... 100 97 100 $200 250 – – 2 1

West North Central .................................................. 100 96 150 225 500 – 1,500 – –

South Atlantic ........................................................... 100 97 225 250 500 $600 1,250 – –

West South Central .................................................. 100 99 250 500 500 1,000 2,000 – –

Mountain .................................................................. 100 72 250 – 500 – – – –

Pacific ...................................................................... 100 82 – 225 – 500 1,000 18 –

1 Less than 0.5. 2 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,

2010." 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.
Table 11. Standard errors for fee-for-service plans: Amount of annual individual deductible, state and local government

workers, National Compensation Survey, 2011

Characteristics With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................... 0.9 $49 $0 $0 – $140 0.9 0.1

Worker characteristic

Management, professional, and related .................. 1.1 34 0 0 – 155 1.1 0.1

Professional and related ...................................... 1.0 – 0 0 $210 200 1.0 0.1

Teachers .......................................................... 0.8 – 0 0 209 175 0.8 0.1

Primary, secondary, and special education

school teachers .......................................... 0.8 34 0 0 173 49 0.8 0.1

Service ..................................................................... 0.8 25 0 0 – 319 0.8 –

Protective service ................................................ 1.0 33 35 – – – 1.0 –

Sales and office ....................................................... 1.3 0 0 95 – 164 1.3 0.1

Office and administrative support ........................ 1.4 0 0 64 233 206 1.4 0.1

Natural resources, construction, and maintenance 2.4 – – 74 – 174 – –

Production, transportation, and material moving ..... 2.2 – 29 0 0 – 2.2 0.8

Full time ................................................................... 0.9 31 0 0 – 172 0.9 0.1

Part time .................................................................. 1.3 41 27 – – – – –

Union ....................................................................... 1.5 0 0 45 0 240 1.5 0.1

Nonunion ................................................................. 0.8 34 32 25 24 0 0.8 0.1

Average wage within the following categories:1

Lowest 25 percent ............................................... 1.4 7 – 0 55 330 – –

Lowest 10 percent ........................................... 1.5 54 – – 0 220 – –

Second 25 percent ............................................... 1.4 – 8 56 152 314 1.4 0.1

Third 25 percent ................................................... 1.1 0 0 0 209 226 1.1 0.1

Highest 25 percent ............................................... 0.8 42 5 111 159 283 0.8 0.1

Highest 10 percent ........................................... 1.7 20 36 11 – 121 – –

Establishment characteristic

Service-providing industries ..................................... 0.9 49 0 0 – 101 0.9 0.1

Education and health services ............................. 1.0 44 0 0 202 185 1.0 0.1

Educational services ........................................ 0.9 – 0 0 184 260 0.9 0.1

Elementary and secondary schools ............. 0.8 – 13 0 180 49 0.8 0.1

Junior colleges, colleges, and universities ... 2.7 – 24 115 – 0 – –

Health care and social assistance ................... 2.7 17 38 0 – – – –

Hospitals ...................................................... 3.4 – – 0 226 49 – –

Public administration ............................................ 1.8 45 13 88 126 315 1.8 –

1 to 99 workers ........................................................ 2.4 33 0 0 184 – – –

1 to 49 workers .................................................... 3.8 41 26 29 – – – –

50 to 99 workers .................................................. 3.0 – 12 20 272 330 – –

100 workers or more ................................................ 0.8 25 0 22 – 271 0.8 0.1

100 to 499 workers .............................................. 1.1 – 10 60 – 322 – –

500 workers or more ............................................ 1.0 0 0 29 – 276 1.0 0.1

State government .................................................... 2.9 – 5 77 – 20 – –

Local government .................................................... 0.7 51 0 0 234 0 0.7 0.1

See footnotes at end of table.
Table 11. Standard errors for fee-for-service plans: Amount of annual individual deductible, state and local government

workers, National Compensation Survey, 2011—Continued

Characteristics With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Geographic area

New England ........................................................... 4.3 $0 – $0 – $55 – –

Middle Atlantic ......................................................... 0.2 0 – 0 – 0 0.3 0.1

East North Central ................................................... 0.8 0 $0 25 – – 0.5 0.4

West North Central .................................................. 4.7 10 48 0 – 0 – –

South Atlantic ........................................................... 1.1 0 54 123 $122 42 – –

West South Central .................................................. 0.5 74 78 0 231 422 – –

Mountain .................................................................. 6.1 40 – 103 – – – –

Pacific ...................................................................... 5.0 – 43 – 0 242 5.0 –

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, 2010." 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/glossary20102011.htm.
Table 12. Fee-for-service plans: Type and amount of annual family deductible, state and local government workers, National Compensation Survey,

2011

(All workers participating in fee-for-service plans = 100 percent)

Characteristics Total

With deductible

With no

deductible

Not

Total with determinable

deductible

With fixed deductible With variable deductible

Other

deductible Total with

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Point-ofservice

All workers ............................................................... 100 92 30 $1,000 61 – $1,500 – 1 8 1 ( )

Worker characteristic

Management, professional, and related .................. 100 93 30 1,000 61 – 1,500 – 1 7 1 ( )

Professional and related ...................................... 100 93 30 1,000 62 – 1,500 – 1 7 1 ( )

Teachers .......................................................... 100 94 30 1,000 62 $1,200 1,500 $500 2 6 1 ( )

Primary, secondary, and special education

school teachers .......................................... 100 94 31 1,000 62 1,200 1,400 500 1 5 1 ( )

Service ..................................................................... 100 93 – – 64 1,000 1,500 – – 7 –

Protective service ................................................ 100 91 – – 63 900 1,500 – – 9 –

Sales and office ....................................................... 100 92 – – 58 – 1,500 – – 8 1 ( )

Office and administrative support ........................ 100 91 – – 58 1,500 1,500 – – 9 1 ( )

Natural resources, construction, and maintenance 100 92 – – 58 1,000 1,500 1,000 – – –

Production, transportation, and material moving ..... 100 85 – – 61 – 1,500 – – 14 1

Full time ................................................................... 100 92 30 1,000 61 – 1,500 – 1 8 1 ( )

Part time .................................................................. 100 95 – – 52 1,000 1,500 – – – –

Union ....................................................................... 100 91 28 800 61 750 800 500 1 9 1 ( )

Nonunion ................................................................. 100 93 – – 61 1,800 – – – 7 1 ( )

Average wage within the following categories:2

Lowest 25 percent ............................................... 100 94 – – 61 1,500 – – – – –

Lowest 10 percent ........................................... 100 93 – – 63 2,000 – – – – –

Second 25 percent ............................................... 100 92 – – 62 – 1,500 – – 8 1 ( )

Third 25 percent ................................................... 100 90 – – 61 – 1,500 500 – 10 1 ( )

Highest 25 percent ............................................... 100 93 – – 61 1,000 1,000 – – 7 1 ( )

Highest 10 percent ........................................... 100 93 – – 67 900 750 – – – –

Establishment characteristic

Service-providing industries ..................................... 100 92 30 1,000 61 – 1,500 – 1 8 1 ( )

Education and health services ............................. 100 93 31 1,000 62 – 1,500 – 1 6 1 ( )

Educational services ........................................ 100 94 30 1,000 62 – 1,500 – 1 6 1 ( )

Elementary and secondary schools ............. 100 95 31 1,000 62 – 1,500 – 1 5 1 ( )

Junior colleges, colleges, and universities ... 100 91 – – 63 – – 1,000 – – –

Health care and social assistance ................... 100 92 – – 57 – 2,000 – – – –

Hospitals ...................................................... 100 94 – – 59 1,500 2,000 – – – –

Public administration ............................................ 100 91 – – 59 900 1,500 1,500 – 9 –

1 to 99 workers ........................................................ 100 88 – – 55 1,500 – – – – –

1 to 49 workers .................................................... 100 88 – – 57 – 2,700 – – – –

50 to 99 workers .................................................. 100 88 – – 53 1,500 1,800 – – – –

100 workers or more ................................................ 100 93 30 1,000 62 1,050 1,500 – 1 7 1 ( )

100 to 499 workers .............................................. 100 94 – – 60 1,000 1,500 – – 6 –

500 workers or more ............................................ 100 92 29 1,000 63 – 1,500 – 1 8 1 ( )

State government .................................................... 100 88 – – 61 – 1,500 3,000 – – –

Local government .................................................... 100 94 32 1,000 61 1,200 1,500 – 1 6 1 ( )

See footnotes at end of table.
Table 12. Fee-for-service plans: Type and amount of annual family deductible, state and local government workers, National Compensation Survey,

2011—Continued

(All workers participating in fee-for-service plans = 100 percent)

Characteristics Total

With deductible

With no

deductible

Not

Total with determinable

deductible

With fixed deductible With variable deductible

Other

deductible Total with

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Point-ofservice

Geographic area

New England ........................................................... 100 85 – – 63 $750 $500 – – – –

Middle Atlantic ......................................................... 100 93 10 – 83 500 500 – – 7 1 ( )

East North Central ................................................... 100 97 – – 74 600 1,000 $700 – 2 1

West North Central .................................................. 100 96 – – 58 1,200 – – – – –

South Atlantic ........................................................... 100 95 – – 61 1,800 – – – – –

West South Central .................................................. 100 96 – – 63 1,050 2,000 – – 4 –

Mountain .................................................................. 100 69 – – 47 1,000 – – – – –

Pacific ...................................................................... 100 81 60 $900 – – – – – 19 –

1 Less than 0.5. 2 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, 2010." 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.
Table 12. Standard errors for fee-for-service plans: Type and amount of annual family deductible, state and local government workers,

National Compensation Survey, 2011

Characteristics

With deductible

With no

deductible

Not

Total with determinable

deductible

With fixed deductible With variable deductible

Other

deductible Total with

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Point-ofservice

All workers ............................................................... 1.2 2.1 $0 2.0 – $0 – 0.3 1.2 0.1

Worker characteristic

Management, professional, and related .................. 1.2 2.3 0 2.2 – 0 – 0.3 1.2 0.1

Professional and related ...................................... 1.1 2.4 0 2.3 – 0 – 0.3 1.1 0.1

Teachers .......................................................... 1.2 2.3 130 2.4 $263 69 $128 0.4 1.2 0.1

Primary, secondary, and special education

school teachers .......................................... 1.3 2.5 229 2.6 249 223 142 0.4 1.3 0.1

Service ..................................................................... 1.4 – – 2.5 238 59 – – 1.4 –

Protective service ................................................ 2.1 – – 3.7 94 68 – – 2.1 –

Sales and office ....................................................... 1.5 – – 3.3 – 268 – – 1.4 0.1

Office and administrative support ........................ 1.5 – – 3.3 399 344 – – 1.5 0.1

Natural resources, construction, and maintenance 3.9 – – 3.8 257 187 114 – – –

Production, transportation, and material moving ..... 2.7 – – 3.5 – 434 – – 2.7 0.8

Full time ................................................................... 1.2 2.0 0 2.0 – 0 – 0.3 1.2 0.1

Part time .................................................................. 1.9 – – 5.3 52 343 – – – –

Union ....................................................................... 1.5 1.7 164 2.0 142 37 20 0.2 1.5 0.1

Nonunion ................................................................. 1.2 – – 3.1 296 – – – 1.2 0.1

Average wage within the following categories:1

Lowest 25 percent ............................................... 1.7 – – 3.1 416 – – – – –

Lowest 10 percent ........................................... 1.6 – – 3.9 350 – – – – –

Second 25 percent ............................................... 1.6 – – 2.8 – 209 – – 1.6 0.1

Third 25 percent ................................................... 1.3 – – 2.5 – 0 91 – 1.2 0.1

Highest 25 percent ............................................... 1.1 – – 1.8 139 80 – – 1.1 0.1

Highest 10 percent ........................................... 1.8 – – 2.9 213 202 – – – –

Establishment characteristic

Service-providing industries ..................................... 1.2 2.1 20 2.1 – 0 – 0.3 1.2 0.1

Education and health services ............................. 1.1 2.6 81 2.6 – 241 – 0.3 1.1 0.1

Educational services ........................................ 1.0 2.6 68 2.6 – 169 – 0.3 1.0 0.1

Elementary and secondary schools ............. 1.1 2.3 288 2.4 – 120 – 0.3 1.1 0.1

Junior colleges, colleges, and universities ... 2.6 – – 5.9 – – 0 – – –

Health care and social assistance ................... 3.0 – – 4.7 – 251 – – – –

Hospitals ...................................................... 3.5 – – 5.3 177 159 – – – –

Public administration ............................................ 2.1 – – 2.9 127 0 0 – 2.1 –

1 to 99 workers ........................................................ 2.9 – – 3.8 323 – – – – –

1 to 49 workers .................................................... 4.3 – – 5.7 – 766 – – – –

50 to 99 workers .................................................. 3.6 – – 5.6 439 356 – – – –

100 workers or more ................................................ 1.0 2.0 0 2.1 216 0 – 0.3 1.0 0.1

100 to 499 workers .............................................. 1.7 – – 2.2 203 34 – – 1.7 –

500 workers or more ............................................ 1.1 2.4 0 2.6 – 0 – 0.1 1.1 0.1

State government .................................................... 3.0 – – 4.4 – 0 0 – – –

Local government .................................................... 1.1 1.9 0 1.7 328 82 – 0.3 1.1 0.1

See footnotes at end of table.
Table 12. Standard errors for fee-for-service plans: Type and amount of annual family deductible, state and local government workers,

National Compensation Survey, 2011—Continued

Characteristics

With deductible

With no

deductible

Not

Total with determinable

deductible

With fixed deductible With variable deductible

Other

deductible Total with

fixed

deductible

Median

deductible

amount

Total with

variable

deductible

Median deductible amount

In-network Out-ofnetwork

Point-ofservice

Geographic area

New England ........................................................... 5.3 – – 6.7 $0 $90 – – – –

Middle Atlantic ......................................................... 1.2 2.8 – 2.3 0 0 – – 1.2 0.1

East North Central ................................................... 0.7 – – 2.5 105 88 $65 – 0.5 0.4

West North Central .................................................. 4.7 – – 8.9 92 – – – – –

South Atlantic ........................................................... 1.8 – – 5.0 0 – – – – –

West South Central .................................................. 1.1 – – 3.1 144 184 – – 1.1 –

Mountain .................................................................. 9.4 – – 4.8 88 – – – – –

Pacific ...................................................................... 4.9 4.5 $155 – – – – – 4.9 –

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, 2010." 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/glossary20102011.htm.
Table 13. Fee-for-service plans: Amount of annual family deductible, state and local government workers, National Compensation

Survey, 2011

(All workers participating in fee-for-service plans = 100 percent)

Characteristics Total With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................... 100 92 $400 $600 $1,000 $2,000 $3,000 8 1 ( )

Worker characteristic

Management, professional, and related .................. 100 93 400 600 1,000 2,000 3,000 7 1 ( )

Professional and related ...................................... 100 93 400 600 1,000 2,000 3,000 7 1 ( )

Teachers .......................................................... 100 94 400 500 1,050 2,000 3,000 6 1 ( )

Primary, secondary, and special education

school teachers .......................................... 100 94 300 500 1,200 2,000 – 5 1 ( )

Service ..................................................................... 100 93 – 500 1,000 2,000 3,000 7 –

Protective service ................................................ 100 91 300 500 900 1,500 2,500 9 –

Sales and office ....................................................... 100 92 400 500 1,000 2,000 3,000 8 1 ( )

Office and administrative support ........................ 100 91 400 600 1,000 2,000 3,000 9 1 ( )

Natural resources, construction, and maintenance 100 92 400 – 900 1,800 3,000 – –

Production, transportation, and material moving ..... 100 85 – 690 1,425 2,400 3,000 14 1

Full time ................................................................... 100 92 400 600 1,000 2,000 3,000 8 1 ( )

Part time .................................................................. 100 95 400 450 1,000 – – – –

Union ....................................................................... 100 91 250 400 750 1,050 2,500 9 1 ( )

Nonunion ................................................................. 100 93 450 700 1,500 2,000 3,000 7 1 ( )

Average wage within the following categories:2

Lowest 25 percent ............................................... 100 94 450 600 1,425 2,000 3,000 – –

Lowest 10 percent ........................................... 100 93 450 900 1,800 2,000 4,500 – –

Second 25 percent ............................................... 100 92 – 500 1,000 1,800 3,000 8 1 ( )

Third 25 percent ................................................... 100 90 400 600 1,000 1,950 3,000 10 1 ( )

Highest 25 percent ............................................... 100 93 300 500 1,000 1,800 3,000 7 1 ( )

Highest 10 percent ........................................... 100 93 300 500 900 1,500 2,400 – –

Establishment characteristic

Service-providing industries ..................................... 100 92 400 600 1,000 2,000 3,000 8 1 ( )

Education and health services ............................. 100 93 400 600 1,050 2,000 3,000 6 1 ( )

Educational services ........................................ 100 94 400 600 1,050 2,000 3,000 6 1 ( )

Elementary and secondary schools ............. 100 95 400 600 1,200 2,000 3,000 5 1 ( )

Junior colleges, colleges, and universities ... 100 91 450 – 1,050 2,000 2,400 – –

Health care and social assistance ................... 100 92 400 600 1,000 2,250 – – –

Hospitals ...................................................... 100 94 400 700 1,200 2,250 3,000 – –

Public administration ............................................ 100 91 – 500 900 1,500 3,000 9 –

1 to 99 workers ........................................................ 100 88 300 600 – 2,000 – – –

1 to 49 workers .................................................... 100 88 300 690 – 1,800 3,000 – –

50 to 99 workers .................................................. 100 88 300 – 1,500 3,000 – – –

100 workers or more ................................................ 100 93 400 600 1,000 2,000 3,000 7 1 ( )

100 to 499 workers .............................................. 100 94 300 500 1,000 2,000 3,000 6 –

500 workers or more ............................................ 100 92 400 600 1,000 2,000 3,000 8 1 ( )

State government .................................................... 100 88 400 500 900 1,800 2,400 – –

Local government .................................................... 100 94 400 600 1,000 2,000 3,000 6 1 ( )

See footnotes at end of table.
Table 13. Fee-for-service plans: Amount of annual family deductible, state and local government workers, National Compensation

Survey, 2011—Continued

(All workers participating in fee-for-service plans = 100 percent)

Characteristics Total With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Geographic area

New England ........................................................... 100 85 $200 – $750 – $3,000 – –

Middle Atlantic ......................................................... 100 93 200 – 500 $1,000 2,000 7 1 ( )

East North Central ................................................... 100 97 200 $400 600 1,500 4,400 2 1

West North Central .................................................. 100 96 300 500 1,000 2,000 – – –

South Atlantic ........................................................... 100 95 450 – – 1,800 2,750 – –

West South Central .................................................. 100 96 750 1,050 1,500 2,400 4,000 4 –

Mountain .................................................................. 100 69 – 900 1,000 2,000 3,000 – –

Pacific ...................................................................... 100 81 – 600 900 – 2,600 19 –

1 Less than 0.5. 2 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,

2010." 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.
Table 13. Standard errors for fee-for-service plans: Amount of annual family deductible, state and local government workers,

National Compensation Survey, 2011

Characteristics With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................... 1.2 $10 $96 $34 $131 $0 1.2 0.1

Worker characteristic

Management, professional, and related .................. 1.2 0 68 140 142 0 1.2 0.1

Professional and related ...................................... 1.1 20 90 176 104 0 1.1 0.1

Teachers .......................................................... 1.2 119 128 216 96 196 1.2 0.1

Primary, secondary, and special education

school teachers .......................................... 1.3 81 113 200 78 – 1.3 0.1

Service ..................................................................... 1.4 – 104 14 202 49 1.4 –

Protective service ................................................ 2.1 32 74 68 328 512 2.1 –

Sales and office ....................................................... 1.5 42 123 33 136 158 1.4 0.1

Office and administrative support ........................ 1.5 44 115 84 88 143 1.5 0.1

Natural resources, construction, and maintenance 3.9 107 – 148 322 0 – –

Production, transportation, and material moving ..... 2.7 – 131 302 191 0 2.7 0.8

Full time ................................................................... 1.2 10 79 104 113 0 1.2 0.1

Part time .................................................................. 1.9 71 94 91 – – – –

Union ....................................................................... 1.5 53 69 0 212 307 1.5 0.1

Nonunion ................................................................. 1.2 46 97 31 0 0 1.2 0.1

Average wage within the following categories:1

Lowest 25 percent ............................................... 1.7 10 139 330 0 91 – –

Lowest 10 percent ........................................... 1.6 78 202 409 442 1,293 – –

Second 25 percent ............................................... 1.6 – 80 10 302 0 1.6 0.1

Third 25 percent ................................................... 1.3 10 133 83 179 0 1.2 0.1

Highest 25 percent ............................................... 1.1 39 98 20 198 49 1.1 0.1

Highest 10 percent ........................................... 1.8 33 32 145 393 140 – –

Establishment characteristic

Service-providing industries ..................................... 1.2 0 96 46 119 0 1.2 0.1

Education and health services ............................. 1.1 0 40 200 55 0 1.1 0.1

Educational services ........................................ 1.0 0 55 239 88 0 1.0 0.1

Elementary and secondary schools ............. 1.1 102 36 212 68 720 1.1 0.1

Junior colleges, colleges, and universities ... 2.6 49 – 234 204 472 – –

Health care and social assistance ................... 3.0 52 79 104 429 – – –

Hospitals ...................................................... 3.5 44 82 233 362 525 – –

Public administration ............................................ 2.1 – 34 78 386 59 2.1 –

1 to 99 workers ........................................................ 2.9 60 149 – 272 – – –

1 to 49 workers .................................................... 4.3 90 91 – 248 403 – –

50 to 99 workers .................................................. 3.6 84 – 361 510 – – –

100 workers or more ................................................ 1.0 0 116 29 167 0 1.0 0.1

100 to 499 workers .............................................. 1.7 44 54 52 355 0 1.7 –

500 workers or more ............................................ 1.1 10 63 73 169 0 1.1 0.1

State government .................................................... 3.0 39 66 174 271 469 – –

Local government .................................................... 1.1 31 0 190 40 49 1.1 0.1

See footnotes at end of table.
Table 13. Standard errors for fee-for-service plans: Amount of annual family deductible, state and local government workers,

National Compensation Survey, 2011—Continued

Characteristics With

deductible

Amount of annual deductible

With no

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Geographic area

New England ........................................................... 5.3 $0 – $0 – $0 – –

Middle Atlantic ......................................................... 1.2 33 – 0 $177 49 1.2 0.1

East North Central ................................................... 0.7 23 $0 135 210 1,207 0.5 0.4

West North Central .................................................. 4.7 0 140 0 475 – – –

South Atlantic ........................................................... 1.8 0 – – 39 170 – –

West South Central .................................................. 1.1 157 0 0 310 807 1.1 –

Mountain .................................................................. 9.4 – 107 98 445 843 – –

Pacific ...................................................................... 4.9 – 65 161 – 524 4.9 –

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, 2010." 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/glossary20102011.htm.
Table 14. Fee-for-service plans: Coinsurance percentage, state and local government workers, National Compensation

Survey, 2011

(All workers participating in fee-for-service plans with coinsurance = 100 percent)

Characteristics Total

Fixed coinsurance Variable coinsurance

With other

With fixed coinsurance

coinsurance

Median

coinsurance

percentage

With variable

coinsurance

Median coinsurance percentage

In-network Out-ofnetwork

Point-ofservice

All workers ............................................................... 100 – – 89 80 60 95 –

Worker characteristic

Management, professional, and related .................. 100 – – 88 80 60 100 –

Professional and related ...................................... 100 – – 88 80 60 100 –

Teachers .......................................................... 100 – – 86 80 60 90 –

Primary, secondary, and special education

school teachers .......................................... 100 – – 84 80 60 90 –

Service ..................................................................... 100 – – 89 80 60 100 –

Protective service ................................................ 100 10 80 90 80 60 100 –

Sales and office ....................................................... 100 – – 90 80 60 95 –

Office and administrative support ........................ 100 – – 89 80 60 95 –

Natural resources, construction, and maintenance 100 10 80 90 85 60 85 –

Production, transportation, and material moving ..... 100 13 80 87 85 70 90 –

Full time ................................................................... 100 – – 89 80 60 90 –

Part time .................................................................. 100 12 80 88 90 60 100 –

Union ....................................................................... 100 – – 83 100 70 100 –

Nonunion ................................................................. 100 – – 91 80 60 90 –

Average wage within the following categories:1

Lowest 25 percent ............................................... 100 – – 91 80 60 95 –

Lowest 10 percent ........................................... 100 – – 91 80 60 90 –

Second 25 percent ............................................... 100 – – 90 80 60 90 –

Third 25 percent ................................................... 100 – – 89 80 60 90 –

Highest 25 percent ............................................... 100 – – 84 90 70 100 –

Highest 10 percent ........................................... 100 13 80 87 100 70 100 –

Establishment characteristic

Service-providing industries ..................................... 100 – – 89 80 60 100 –

Education and health services ............................. 100 – – 88 80 60 100 –

Educational services ........................................ 100 – – 87 80 60 90 –

Elementary and secondary schools ............. 100 – – 85 80 60 90 –

Junior colleges, colleges, and universities ... 100 7 80 93 80 60 90 –

Health care and social assistance ................... 100 8 80 92 80 60 100 –

Hospitals ...................................................... 100 9 80 91 80 60 100 –

Public administration ............................................ 100 10 80 90 85 60 100 –

1 to 99 workers ........................................................ 100 – – 89 80 60 85 –

1 to 49 workers .................................................... 100 – – 88 80 60 100 –

50 to 99 workers .................................................. 100 – – 89 80 60 85 –

100 workers or more ................................................ 100 11 80 89 80 60 100 –

100 to 499 workers .............................................. 100 9 80 91 80 60 100 –

500 workers or more ............................................ 100 12 80 88 80 60 100 –

State government .................................................... 100 – – 92 80 60 100 –

Local government .................................................... 100 – – 87 80 60 90 –

See footnotes at end of table.
Table 14. Fee-for-service plans: Coinsurance percentage, state and local government workers, National Compensation

Survey, 2011—Continued

(All workers participating in fee-for-service plans with coinsurance = 100 percent)

Characteristics Total

Fixed coinsurance Variable coinsurance

With other

With fixed coinsurance

coinsurance

Median

coinsurance

percentage

With variable

coinsurance

Median coinsurance percentage

In-network Out-ofnetwork

Point-ofservice

Geographic area

New England ........................................................... 100 – – 73 100 80 100 –

Middle Atlantic ......................................................... 100 – – 63 100 70 100 –

East North Central ................................................... 100 – – 94 90 70 80 –

West North Central .................................................. 100 – – 84 80 60 90 –

South Atlantic ........................................................... 100 12 80 88 80 60 90 –

West South Central .................................................. 100 – – 97 80 60 100 –

Mountain .................................................................. 100 – – 76 80 60 85 –

Pacific ...................................................................... 100 11 80 89 80 60 100 –

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, 2010." 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.
Table 14. Standard errors for fee-for-service plans: Coinsurance percentage, state and local government workers,

National Compensation Survey, 2011

Characteristics

Fixed coinsurance Variable coinsurance

With other

With fixed coinsurance

coinsurance

Median

coinsurance

percentage

With variable

coinsurance

Median coinsurance percentage

In-network Out-ofnetwork

Point-ofservice

All workers ............................................................... – – 1.7 2.4 0.0 8.7 –

Worker characteristic

Management, professional, and related .................. – – 2.1 1.4 0.0 14.3 –

Professional and related ...................................... – – 2.3 2.4 0.0 12.8 –

Teachers .......................................................... – – 2.8 3.8 0.0 1.0 –

Primary, secondary, and special education

school teachers .......................................... – – 3.1 2.4 0.0 4.8 –

Service ..................................................................... – – 2.1 1.4 0.0 0.0 –

Protective service ................................................ 2.8 12.2 2.8 4.5 0.0 0.0 –

Sales and office ....................................................... – – 2.1 2.9 0.0 6.1 –

Office and administrative support ........................ – – 2.3 3.3 0.0 6.2 –

Natural resources, construction, and maintenance 2.3 0.0 2.3 5.7 5.5 8.4 –

Production, transportation, and material moving ..... 2.5 0.0 2.5 7.5 8.2 5.4 –

Full time ................................................................... – – 1.8 1.7 0.0 10.4 –

Part time .................................................................. 2.6 0.0 2.6 10.6 0.0 1.7 –

Union ....................................................................... – – 2.5 12.3 0.0 1.4 –

Nonunion ................................................................. – – 1.7 0.0 0.0 2.6 –

Average wage within the following categories:1

Lowest 25 percent ............................................... – – 1.6 0.0 0.0 8.5 –

Lowest 10 percent ........................................... – – 2.1 0.0 0.0 13.3 –

Second 25 percent ............................................... – – 1.9 1.4 0.0 9.8 –

Third 25 percent ................................................... – – 2.3 0.0 0.0 2.8 –

Highest 25 percent ............................................... – – 2.3 0.0 1.0 0.0 –

Highest 10 percent ........................................... 2.2 0.0 2.2 2.0 0.0 0.0 –

Establishment characteristic

Service-providing industries ..................................... – – 1.8 2.6 0.0 12.0 –

Education and health services ............................. – – 2.2 0.0 0.0 12.9 –

Educational services ........................................ – – 2.4 2.8 0.0 3.1 –

Elementary and secondary schools ............. – – 2.8 1.0 0.0 9.3 –

Junior colleges, colleges, and universities ... 1.8 0.0 1.8 7.5 0.0 3.8 –

Health care and social assistance ................... 1.8 0.0 1.8 1.0 0.0 0.0 –

Hospitals ...................................................... 1.8 0.0 1.8 0.0 0.0 1.0 –

Public administration ............................................ 2.0 0.0 2.0 5.9 0.0 5.7 –

1 to 99 workers ........................................................ – – 2.3 0.0 0.0 16.8 –

1 to 49 workers .................................................... – – 3.6 0.0 0.0 0.0 –

50 to 99 workers .................................................. – – 3.7 6.3 0.0 22.6 –

100 workers or more ................................................ 1.9 0.0 1.9 4.0 0.0 13.2 –

100 to 499 workers .............................................. 2.3 0.0 2.3 4.9 6.9 12.6 –

500 workers or more ............................................ 2.0 0.0 2.0 5.3 0.0 13.8 –

State government .................................................... – – 1.7 2.8 0.0 7.6 –

Local government .................................................... – – 1.9 4.2 0.0 8.6 –

See footnotes at end of table.
Table 14. Standard errors for fee-for-service plans: Coinsurance percentage, state and local government workers,

National Compensation Survey, 2011—Continued

Characteristics

Fixed coinsurance Variable coinsurance

With other

With fixed coinsurance

coinsurance

Median

coinsurance

percentage

With variable

coinsurance

Median coinsurance percentage

In-network Out-ofnetwork

Point-ofservice

Geographic area

New England ........................................................... – – 20.4 0.0 0.0 0.0 –

Middle Atlantic ......................................................... – – 14.8 0.0 7.7 0.0 –

East North Central ................................................... – – 0.9 0.0 0.0 6.1 –

West North Central .................................................. – – 6.6 0.0 5.4 0.0 –

South Atlantic ........................................................... 2.1 0.0 2.1 0.0 0.0 2.8 –

West South Central .................................................. – – 0.9 0.0 0.0 6.0 –

Mountain .................................................................. – – 6.0 7.0 7.1 10.2 –

Pacific ...................................................................... 2.4 0.0 2.4 5.4 0.0 2.8 –

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, 2010." 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/glossary20102011.htm.
Table 15. Fee-for-service plans: Amount of annual individual out-of-pocket maximum, state and local government workers, National

Compensation Survey, 2011

(All workers participating in fee-for-service plans = 100 percent)

Characteristics Total

With out-ofpocket

maximum

Amount of out-of-pocket maximum

With no out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................... 100 80 $500 $1,000 $1,750 $2,500 $2,750 20 1 ( )

Worker characteristic

Management, professional, and related .................. 100 81 500 1,000 1,900 2,500 2,750 19 1 ( )

Professional and related ...................................... 100 80 500 1,000 1,850 2,500 2,750 19 1 ( )

Teachers .......................................................... 100 80 500 1,000 1,850 2,500 3,000 20 1 ( )

Primary, secondary, and special education

school teachers .......................................... 100 79 500 1,000 1,850 2,500 3,000 21 1 ( )

Service ..................................................................... 100 78 500 1,000 1,500 2,500 2,750 21 1

Protective service ................................................ 100 78 500 1,000 1,500 2,250 2,750 21 1

Sales and office ....................................................... 100 81 600 1,000 1,750 2,500 2,750 19 1

Office and administrative support ........................ 100 81 550 1,000 1,750 2,500 2,750 19 1

Natural resources, construction, and maintenance 100 78 500 1,000 1,500 2,000 2,750 20 1

Production, transportation, and material moving ..... 100 75 500 900 1,500 2,000 3,000 25 1

Full time ................................................................... 100 80 500 1,000 1,750 2,500 2,750 20 1

Part time .................................................................. 100 78 – 1,000 1,650 2,150 3,250 22 1 ( )

Union ....................................................................... 100 65 400 750 1,400 2,000 2,500 34 1

Nonunion ................................................................. 100 91 800 1,200 2,000 2,500 2,900 9 1 ( )

Average wage within the following categories:2

Lowest 25 percent ............................................... 100 86 800 – 2,000 2,500 2,750 13 1 ( )

Lowest 10 percent ........................................... 100 89 900 1,150 2,000 2,500 2,750 11 1 ( )

Second 25 percent ............................................... 100 79 500 1,000 1,700 2,300 2,750 21 1

Third 25 percent ................................................... 100 80 600 1,000 1,850 2,500 2,750 20 1

Highest 25 percent ............................................... 100 75 400 900 1,500 2,250 3,000 25 1 ( )

Highest 10 percent ........................................... 100 64 400 750 1,500 2,150 2,750 36 1 ( )

Establishment characteristic

Service-providing industries ..................................... 100 80 500 1,000 1,750 2,500 2,750 20 1 ( )

Education and health services ............................. 100 81 600 1,000 2,000 2,500 3,000 19 1 ( )

Educational services ........................................ 100 81 600 1,000 2,000 2,500 3,000 19 1 ( )

Elementary and secondary schools ............. 100 79 500 1,000 2,000 2,500 3,000 20 1

Junior colleges, colleges, and universities ... 100 85 750 1,000 2,000 2,500 2,750 15 –

Health care and social assistance ................... 100 84 – 1,000 1,700 2,000 3,000 16 1 ( )

Hospitals ...................................................... 100 86 – 1,275 1,850 2,300 3,000 14 1 ( )

Public administration ............................................ 100 78 500 1,000 1,500 2,250 2,650 21 1

1 to 99 workers ........................................................ 100 81 800 1,000 2,000 2,300 2,750 18 1

1 to 49 workers .................................................... 100 82 950 1,050 2,000 2,350 2,750 – –

50 to 99 workers .................................................. 100 80 – 1,000 1,500 2,000 2,500 20 –

100 workers or more ................................................ 100 79 500 1,000 1,700 2,500 2,800 20 1 ( )

100 to 499 workers .............................................. 100 81 – 950 1,500 2,200 2,500 19 1

500 workers or more ............................................ 100 79 600 1,000 1,900 2,500 3,000 21 1 ( )

State government .................................................... 100 82 750 1,000 1,750 2,300 2,500 18 1 ( )

Local government .................................................... 100 79 500 1,000 1,750 2,500 3,000 20 1

See footnotes at end of table.
Table 15. Fee-for-service plans: Amount of annual individual out-of-pocket maximum, state and local government workers, National

Compensation Survey, 2011—Continued

(All workers participating in fee-for-service plans = 100 percent)

Characteristics Total

With out-ofpocket

maximum

Amount of out-of-pocket maximum

With no out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Geographic area

New England ........................................................... 100 – – – – – – 51 –

Middle Atlantic ......................................................... 100 32 $400 $400 $400 $750 $1,750 68 1 ( )

East North Central ................................................... 100 81 400 600 1,250 2,000 2,500 17 2

West North Central .................................................. 100 89 500 900 1,275 2,000 2,500 – –

South Atlantic ........................................................... 100 90 1,200 1,400 2,000 2,750 3,000 10 1 ( )

West South Central .................................................. 100 92 1,000 2,000 2,000 2,300 3,000 – –

Mountain .................................................................. 100 74 1,000 1,500 2,000 2,500 – – –

Pacific ...................................................................... 100 90 950 1,000 1,750 2,500 3,500 – –

1 Less than 0.5. 2 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,

2010." 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.
Table 15. Standard errors for fee-for-service plans: Amount of annual individual out-of-pocket maximum, state and local

government workers, National Compensation Survey, 2011

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum

With no out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................... 1.5 $25 $0 $150 $189 $81 1.5 0.2

Worker characteristic

Management, professional, and related .................. 1.5 93 0 225 136 202 1.6 0.1

Professional and related ...................................... 1.6 25 0 233 126 250 1.6 0.1

Teachers .......................................................... 1.9 0 0 282 71 337 1.9 0.2

Primary, secondary, and special education

school teachers .......................................... 2.2 57 0 327 96 170 2.2 0.2

Service ..................................................................... 1.9 0 0 206 188 75 1.9 0.4

Protective service ................................................ 3.1 28 35 88 205 148 3.0 0.7

Sales and office ....................................................... 2.4 115 29 218 252 161 2.4 0.3

Office and administrative support ........................ 2.3 85 0 257 211 247 2.3 0.3

Natural resources, construction, and maintenance 3.2 14 20 50 410 72 3.2 0.5

Production, transportation, and material moving ..... 4.2 85 83 45 251 355 4.3 0.5

Full time ................................................................... 1.5 22 0 147 184 53 1.5 0.2

Part time .................................................................. 3.7 – 57 431 430 362 3.7 1 ( )

Union ....................................................................... 2.7 0 51 121 0 0 2.6 0.3

Nonunion ................................................................. 1.5 108 216 0 0 219 1.5 0.1

Average wage within the following categories:2

Lowest 25 percent ............................................... 2.2 92 – 55 86 121 2.3 0.2

Lowest 10 percent ........................................... 3.0 108 331 151 0 311 3.0 0.1

Second 25 percent ............................................... 2.3 38 0 226 258 29 2.3 0.3

Third 25 percent ................................................... 1.6 99 0 248 90 57 1.6 0.2

Highest 25 percent ............................................... 1.7 0 112 0 222 181 1.7 0.2

Highest 10 percent ........................................... 2.8 0 40 101 343 180 2.8 0.2

Establishment characteristic

Service-providing industries ..................................... 1.5 37 0 153 189 105 1.5 0.2

Education and health services ............................. 1.6 114 0 277 86 235 1.6 0.2

Educational services ........................................ 1.8 134 0 216 55 310 1.8 0.2

Elementary and secondary schools ............. 2.2 0 0 243 0 69 2.2 0.3

Junior colleges, colleges, and universities ... 3.1 10 55 338 139 242 3.1 –

Health care and social assistance ................... 2.6 – 285 216 278 208 2.6 0.1

Hospitals ...................................................... 1.9 – 136 261 321 708 1.9 0.1

Public administration ............................................ 2.1 20 16 20 249 182 2.0 0.4

1 to 99 workers ........................................................ 4.4 189 0 335 159 180 4.4 0.5

1 to 49 workers .................................................... 5.1 45 277 98 161 0 – –

50 to 99 workers .................................................. 5.0 – 0 363 260 0 5.0 –

100 workers or more ................................................ 1.4 0 0 188 158 221 1.3 0.1

100 to 499 workers .............................................. 2.3 – 146 39 305 0 2.3 0.4

500 workers or more ............................................ 1.7 149 89 250 52 126 1.7 0.1

State government .................................................... 2.6 0 81 381 292 274 2.6 0.1

Local government .................................................... 1.7 0 0 150 129 49 1.7 0.2

See footnotes at end of table.
Table 15. Standard errors for fee-for-service plans: Amount of annual individual out-of-pocket maximum, state and local

government workers, National Compensation Survey, 2011—Continued

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum

With no out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Geographic area

New England ........................................................... – – – – – – 11.8 –

Middle Atlantic ......................................................... 4.5 $0 $0 $102 $98 $247 4.5 0.1

East North Central ................................................... 2.9 20 129 64 382 90 3.1 0.8

West North Central .................................................. 6.4 0 247 346 364 20 – –

South Atlantic ........................................................... 2.9 199 0 0 108 350 2.9 0.1

West South Central .................................................. 3.8 92 147 0 73 208 – –

Mountain .................................................................. 14.2 184 202 0 486 – – –

Pacific ...................................................................... 3.9 91 260 141 0 193 – –

1 Less than 0.05. 2 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, 2010." 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/glossary20102011.htm.
Table 16. Fee-for-service plans: Amount of annual family out-of-pocket maximum, state and local government workers, National

Compensation Survey, 2011

(All workers participating in fee-for-service plans = 100 percent)

Characteristics Total

With out-ofpocket

maximum

Amount of out-of-pocket maximum With no

out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................... 100 64 $1,000 $2,200 $3,250 $5,300 $8,250 35 1 ( )

Worker characteristic

Management, professional, and related .................. 100 65 1,000 2,400 3,500 6,000 8,250 35 1 ( )

Professional and related ...................................... 100 64 1,000 2,100 3,500 6,000 8,250 36 1 ( )

Teachers .......................................................... 100 63 1,000 2,000 3,500 6,000 8,250 37 1 ( )

Primary, secondary, and special education

school teachers .......................................... 100 63 1,000 2,000 3,500 6,000 8,250 37 1 ( )

Service ..................................................................... 100 62 1,000 2,000 3,000 5,000 8,000 37 1

Protective service ................................................ 100 64 1,000 2,000 3,000 5,000 7,500 35 1

Sales and office ....................................................... 100 64 1,400 2,550 3,250 5,000 8,250 35 1

Office and administrative support ........................ 100 64 1,300 2,550 3,200 5,000 8,250 36 1

Natural resources, construction, and maintenance 100 65 1,000 2,000 3,000 5,000 8,250 34 1

Production, transportation, and material moving ..... 100 65 1,000 1,800 3,000 4,500 6,750 34 1

Full time ................................................................... 100 64 1,000 2,100 3,250 5,250 8,250 35 1

Part time .................................................................. 100 59 1,800 2,550 4,000 6,000 9,000 41 1 ( )

Union ....................................................................... 100 56 1,000 1,500 3,000 4,000 6,000 43 1

Nonunion ................................................................. 100 70 1,650 2,600 4,000 6,000 8,250 30 1 ( )

Average wage within the following categories:2

Lowest 25 percent ............................................... 100 64 1,500 2,550 3,500 6,000 8,250 35 1 ( )

Lowest 10 percent ........................................... 100 59 1,800 2,550 4,000 6,000 8,250 41 1 ( )

Second 25 percent ............................................... 100 64 1,200 2,500 3,000 5,000 8,250 35 1

Third 25 percent ................................................... 100 65 1,200 2,550 3,500 6,000 8,250 35 1

Highest 25 percent ............................................... 100 63 1,000 1,650 3,000 5,000 7,000 36 1 ( )

Highest 10 percent ........................................... 100 54 1,000 1,500 3,000 5,000 6,700 46 1 ( )

Establishment characteristic

Service-providing industries ..................................... 100 64 1,000 2,100 3,250 5,300 8,250 36 1 ( )

Education and health services ............................. 100 63 1,200 2,200 3,600 6,000 8,250 37 1 ( )

Educational services ........................................ 100 62 1,000 2,000 3,600 6,000 8,250 38 1 ( )

Elementary and secondary schools ............. 100 63 1,000 2,000 3,600 6,000 8,250 36 1

Junior colleges, colleges, and universities ... 100 57 1,500 2,300 3,850 6,450 8,250 43 –

Health care and social assistance ................... 100 71 1,900 2,600 3,500 5,300 9,000 29 1 ( )

Hospitals ...................................................... 100 68 2,190 2,800 4,000 6,000 10,000 32 1 ( )

Public administration ............................................ 100 66 1,000 2,000 3,000 4,500 7,000 33 1

1 to 99 workers ........................................................ 100 68 1,800 2,600 3,250 4,500 8,250 32 1

1 to 49 workers .................................................... 100 67 1,800 2,600 3,250 – 8,250 – –

50 to 99 workers .................................................. 100 68 – 2,800 3,000 4,000 6,000 32 –

100 workers or more ................................................ 100 63 1,000 2,100 3,200 5,500 8,250 36 1 ( )

100 to 499 workers .............................................. 100 65 1,000 1,800 3,000 4,500 7,500 34 1

500 workers or more ............................................ 100 63 1,100 2,500 3,600 6,000 8,250 37 1 ( )

State government .................................................... 100 60 1,500 2,550 3,000 5,000 7,500 40 1 ( )

Local government .................................................... 100 65 1,000 2,000 3,500 6,000 8,250 34 1

See footnotes at end of table.
Table 16. Fee-for-service plans: Amount of annual family out-of-pocket maximum, state and local government workers, National

Compensation Survey, 2011—Continued

(All workers participating in fee-for-service plans = 100 percent)

Characteristics Total

With out-ofpocket

maximum

Amount of out-of-pocket maximum With no

out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Geographic area

New England ........................................................... 100 – – – – – – 60 –

Middle Atlantic ......................................................... 100 29 $1,000 $1,000 $1,000 $1,500 $3,250 71 1 ( )

East North Central ................................................... 100 77 800 1,500 2,600 4,000 6,000 21 2

West North Central .................................................. 100 86 1,000 1,800 3,000 4,000 6,000 – –

South Atlantic ........................................................... 100 85 2,400 2,950 4,000 8,250 8,250 15 1 ( )

West South Central .................................................. 100 61 2,950 3,900 6,000 6,450 8,000 – –

Mountain .................................................................. 100 – – – – – – – –

Pacific ...................................................................... 100 79 2,500 3,000 4,000 5,100 8,250 – –

1 Less than 0.5. 2 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, 2010." 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.
Table 16. Standard errors for fee-for-service plans: Amount of annual family out-of-pocket maximum, state and local

government workers, National Compensation Survey, 2011

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum With no

out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................... 2.6 $76 $316 $244 $764 $317 2.6 0.2

Worker characteristic

Management, professional, and related .................. 2.6 168 394 187 119 139 2.6 0.1

Professional and related ...................................... 2.8 20 293 231 325 324 2.8 0.1

Teachers .......................................................... 3.0 0 114 291 0 69 3.0 0.2

Primary, secondary, and special education

school teachers .......................................... 3.1 0 145 361 0 110 3.1 0.2

Service ..................................................................... 3.0 0 81 0 185 552 3.1 0.4

Protective service ................................................ 3.9 0 136 93 344 671 4.1 0.7

Sales and office ....................................................... 3.7 369 73 333 596 834 3.7 0.3

Office and administrative support ........................ 3.7 302 207 300 601 797 3.7 0.3

Natural resources, construction, and maintenance 3.8 0 196 212 574 511 3.8 0.5

Production, transportation, and material moving ..... 5.0 225 184 0 613 1,203 5.1 0.5

Full time ................................................................... 2.7 48 311 271 710 350 2.7 0.2

Part time .................................................................. 5.6 471 138 245 375 1,506 5.6 1 ( )

Union ....................................................................... 2.7 0 268 55 450 153 2.7 0.3

Nonunion ................................................................. 3.9 234 126 29 0 0 3.9 0.1

Average wage within the following categories:2

Lowest 25 percent ............................................... 4.2 128 43 441 256 0 4.3 0.2

Lowest 10 percent ........................................... 6.8 182 344 486 0 269 6.8 0.1

Second 25 percent ............................................... 3.2 227 266 284 215 384 3.2 0.3

Third 25 percent ................................................... 2.8 162 333 418 39 0 2.8 0.2

Highest 25 percent ............................................... 2.3 0 159 0 0 251 2.3 0.2

Highest 10 percent ........................................... 3.0 0 116 0 774 440 3.1 0.2

Establishment characteristic

Service-providing industries ..................................... 2.6 104 325 251 734 367 2.7 0.2

Education and health services ............................. 3.3 196 382 267 0 85 3.3 0.2

Educational services ........................................ 3.5 166 301 375 0 85 3.6 0.2

Elementary and secondary schools ............. 3.3 0 71 407 0 69 3.3 0.3

Junior colleges, colleges, and universities ... 9.1 59 516 784 0 868 9.1 –

Health care and social assistance ................... 3.7 102 59 263 778 2,009 3.7 0.1

Hospitals ...................................................... 4.3 350 256 0 239 2,726 4.3 0.1

Public administration ............................................ 2.7 0 102 0 555 1,006 2.8 0.4

1 to 99 workers ........................................................ 4.6 379 360 232 991 646 4.7 0.5

1 to 49 workers .................................................... 5.6 139 522 606 – 0 – –

50 to 99 workers .................................................. 5.7 – 408 540 589 306 5.7 –

100 workers or more ................................................ 2.6 0 200 288 728 441 2.6 0.1

100 to 499 workers .............................................. 3.7 0 269 39 620 913 3.8 0.4

500 workers or more ............................................ 3.0 158 212 393 106 98 3.0 0.1

State government .................................................... 5.1 0 158 243 372 951 5.1 0.1

Local government .................................................... 2.5 0 86 333 717 184 2.5 0.2

See footnotes at end of table.
Table 16. Standard errors for fee-for-service plans: Amount of annual family out-of-pocket maximum, state and local

government workers, National Compensation Survey, 2011—Continued

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum With no

out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Geographic area

New England ........................................................... – – – – – – 13.5 –

Middle Atlantic ......................................................... 4.3 $0 $0 $0 $0 $483 4.3 0.1

East North Central ................................................... 2.9 97 198 24 477 717 3.0 0.8

West North Central .................................................. 6.3 0 487 136 675 1,128 – –

South Atlantic ........................................................... 3.4 287 179 98 1,907 0 3.4 0.1

West South Central .................................................. 4.4 341 548 0 108 660 – –

Mountain .................................................................. – – – – – – – –

Pacific ...................................................................... 4.5 287 0 758 519 1,128 – –

1 Less than 0.05. 2 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, 2010." 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/glossary20102011.htm.
Table 17. Fee-for-service plans: Coverage for selected services, state and local government workers, National

Compensation Survey, 2011

(All workers participating in fee-for-service plans = 100 percent)

Characteristics

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery

Physician

office visit

Skilled

nursing

facility

Home health

care Hospice care

All workers ............................................................... 99 99 99 100 81 84 82

Worker characteristic

Management, professional, and related .................. 99 99 99 100 81 83 82

Professional and related ...................................... 100 99 99 100 81 84 82

Teachers .......................................................... 99 99 99 100 79 82 80

Primary, secondary, and special education

school teachers .......................................... 99 98 98 100 78 80 78

Service ..................................................................... 99 98 98 100 82 86 84

Protective service ................................................ 98 98 98 100 82 86 81

Sales and office ....................................................... 99 98 98 100 82 86 83

Office and administrative support ........................ 99 98 98 100 82 86 83

Natural resources, construction, and maintenance 98 98 98 100 71 80 78

Production, transportation, and material moving ..... 97 97 97 100 74 76 –

Full time ................................................................... 99 99 99 100 81 84 82

Part time .................................................................. 100 99 99 100 72 84 84

Union ....................................................................... 99 99 99 100 82 81 79

Nonunion ................................................................. 99 98 98 100 80 86 84

Average wage within the following categories:1

Lowest 25 percent ............................................... 99 98 98 100 80 86 84

Lowest 10 percent ........................................... 97 97 97 100 80 87 86

Second 25 percent ............................................... 99 99 99 100 80 85 81

Third 25 percent ................................................... 99 99 99 100 83 84 82

Highest 25 percent ............................................... 99 99 99 100 80 81 80

Highest 10 percent ........................................... 100 99 99 100 82 82 83

Establishment characteristic

Service-providing industries ..................................... 99 99 99 100 81 84 82

Education and health services ............................. 99 99 99 100 80 84 82

Educational services ........................................ 99 99 99 100 80 83 82

Elementary and secondary schools ............. 99 98 98 100 80 81 79

Junior colleges, colleges, and universities ... 100 100 100 100 82 93 90

Health care and social assistance ................... 100 100 100 100 79 85 87

Hospitals ...................................................... 100 100 100 100 78 86 85

Public administration ............................................ 98 98 98 100 83 85 82

1 to 99 workers ........................................................ 96 96 96 100 – 80 78

1 to 49 workers .................................................... 97 97 97 100 79 82 81

50 to 99 workers .................................................. – – – 100 – – –

100 workers or more ................................................ 99 99 99 100 82 84 82

100 to 499 workers .............................................. 99 99 99 100 83 84 83

500 workers or more ............................................ 100 99 99 100 82 85 82

State government .................................................... 100 100 100 100 86 92 92

Local government .................................................... 99 98 98 100 79 81 78

See footnotes at end of table.
Table 17. Fee-for-service plans: Coverage for selected services, state and local government workers, National

Compensation Survey, 2011—Continued

(All workers participating in fee-for-service plans = 100 percent)

Characteristics

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery

Physician

office visit

Skilled

nursing

facility

Home health

care Hospice care

Geographic area

New England ........................................................... 99 99 99 100 85 84 81

Middle Atlantic ......................................................... 100 99 99 100 90 84 92

East North Central ................................................... 98 98 98 100 73 80 –

West North Central .................................................. 99 99 99 100 – 83 –

South Atlantic ........................................................... 99 99 99 100 89 91 86

West South Central .................................................. 100 99 99 – 82 85 83

Mountain .................................................................. 100 100 100 100 – – –

Pacific ...................................................................... 99 98 98 100 – 81 –

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, 2010." 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/glossary20102011.htm.
Table 17. Standard errors for fee-for-service plans: Coverage for selected services, state and local government

workers, National Compensation Survey, 2011

Characteristics

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery

Physician

office visit

Skilled

nursing

facility

Home health

care Hospice care

All workers ............................................................... 0.3 0.3 0.3 0.1 1.8 1.3 1.2

Worker characteristic

Management, professional, and related .................. 0.2 0.3 0.3 0.1 2.0 1.7 1.5

Professional and related ...................................... 0.2 0.3 0.3 0.1 2.1 1.7 1.6

Teachers .......................................................... 0.3 0.4 0.4 0.2 2.4 2.3 2.1

Primary, secondary, and special education

school teachers .......................................... 0.3 0.5 0.5 0.2 2.6 2.7 2.5

Service ..................................................................... 0.5 0.5 0.5 1 ( ) 2.1 1.5 1.4

Protective service ................................................ 0.7 0.7 0.7 1 ( ) 2.7 2.2 2.5

Sales and office ....................................................... 0.5 0.5 0.5 0.1 2.1 1.5 1.9

Office and administrative support ........................ 0.5 0.6 0.6 0.1 2.1 1.6 2.0

Natural resources, construction, and maintenance 0.7 0.7 0.7 1 ( ) 3.9 2.7 2.9

Production, transportation, and material moving ..... 1.4 1.4 1.4 0.2 3.6 4.2 –

Full time ................................................................... 0.3 0.3 0.3 0.1 1.7 1.3 1.2

Part time .................................................................. 0.1 0.4 0.4 1 ( ) 7.9 3.8 3.9

Union ....................................................................... 0.3 0.3 0.3 0.1 2.1 1.8 1.8

Nonunion ................................................................. 0.4 0.5 0.5 0.1 2.2 1.5 1.6

Average wage within the following categories:2

Lowest 25 percent ............................................... 0.7 0.8 0.8 0.1 2.7 1.4 1.4

Lowest 10 percent ........................................... 1.6 1.6 1.6 1 ( ) 3.7 2.1 1.8

Second 25 percent ............................................... 0.5 0.5 0.5 1 ( ) 2.3 1.3 1.7

Third 25 percent ................................................... 0.3 0.3 0.3 0.1 1.9 1.5 1.5

Highest 25 percent ............................................... 0.2 0.4 0.4 0.2 2.2 2.2 2.0

Highest 10 percent ........................................... 0.2 0.3 0.3 1 ( ) 2.6 1.7 1.8

Establishment characteristic

Service-providing industries ..................................... 0.3 0.3 0.3 0.1 1.8 1.3 1.3

Education and health services ............................. 0.2 0.3 0.3 0.1 2.4 1.8 1.6

Educational services ........................................ 0.2 0.4 0.4 0.1 2.6 2.1 1.9

Elementary and secondary schools ............. 0.3 0.5 0.5 0.2 2.4 2.7 2.4

Junior colleges, colleges, and universities ... 0.4 0.4 0.4 1 ( ) 6.0 1.6 3.4

Health care and social assistance ................... 1 ( ) 1 ( ) 1 ( ) 1 ( ) 3.6 2.7 2.7

Hospitals ...................................................... 1 ( ) 1 ( ) 1 ( ) 1 ( ) 4.4 3.2 3.5

Public administration ............................................ 0.8 0.8 0.8 0.1 2.2 1.7 2.0

1 to 99 workers ........................................................ 1.3 1.3 1.3 1 ( ) – 3.0 2.8

1 to 49 workers .................................................... 1.9 1.9 1.9 1 ( ) 4.3 3.6 3.7

50 to 99 workers .................................................. – – – 1 ( )–––

100 workers or more ................................................ 0.2 0.3 0.3 0.1 1.9 1.4 1.3

100 to 499 workers .............................................. 0.6 0.6 0.6 1 ( ) 2.1 1.6 1.9

500 workers or more ............................................ 0.1 0.3 0.3 0.1 2.4 1.8 1.7

State government .................................................... 0.2 0.2 0.2 1 ( ) 3.4 0.9 2.0

Local government .................................................... 0.4 0.5 0.5 0.1 1.8 1.7 1.6

See footnotes at end of table.
Table 17. Standard errors for fee-for-service plans: Coverage for selected services, state and local government

workers, National Compensation Survey, 2011—Continued

Characteristics

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery

Physician

office visit

Skilled

nursing

facility

Home health

care Hospice care

Geographic area

New England ........................................................... 1.4 1.4 1.4 1 ( ) 3.2 2.8 4.7

Middle Atlantic ......................................................... 0.1 0.1 0.1 1 ( ) 2.3 1.3 2.0

East North Central ................................................... 0.9 1.1 1.1 1 ( ) 4.0 3.4 –

West North Central .................................................. 0.5 0.5 0.5 0.3 – 3.8 –

South Atlantic ........................................................... 0.4 0.4 0.4 1 ( ) 1.6 1.6 1.6

West South Central .................................................. 0.4 1.0 1.0 – 3.0 3.3 3.8

Mountain .................................................................. 1 ( ) 1 ( ) 1 ( ) 1 ( )–––

Pacific ...................................................................... 0.9 1.0 1.0 1 ( ) – 2.9 –

1 Less than 0.05. 2 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, 2010." 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/glossary20102011.htm.
Table 18. Fee-for-service plans: Coverage for mental health care and substance abuse treatment,

state and local government workers, National Compensation Survey, 2011

(All workers participating in fee-for-service plans = 100 percent)

Characteristics

Inpatient

mental health

care

Outpatient

mental health

care

Inpatient

substance abuse

detoxification

Inpatient

substance abuse

rehabilitation

Outpatient

substance abuse

 rehabilitation

All workers ............................................................... 98 91 98 88 89

Worker characteristic

Management, professional, and related .................. 98 92 98 89 90

Professional and related ...................................... 98 93 98 90 91

Teachers .......................................................... 98 92 98 91 91

Primary, secondary, and special education

school teachers .......................................... 98 91 98 90 90

Service ..................................................................... 98 91 98 87 89

Protective service ................................................ 97 90 98 84 87

Sales and office ....................................................... 98 92 98 87 89

Office and administrative support ........................ 98 91 98 86 88

Natural resources, construction, and maintenance 97 89 97 87 86

Production, transportation, and material moving ..... 95 88 94 84 85

Full time ................................................................... 98 91 98 88 89

Part time .................................................................. 100 95 99 91 93

Union ....................................................................... 98 92 99 89 90

Nonunion ................................................................. 98 91 97 87 89

Average wage within the following categories:1

Lowest 25 percent ............................................... 97 90 97 85 88

Lowest 10 percent ........................................... 96 90 95 87 88

Second 25 percent ............................................... 98 92 98 88 89

Third 25 percent ................................................... 99 93 98 89 91

Highest 25 percent ............................................... 98 91 98 89 89

Highest 10 percent ........................................... 99 92 99 90 90

Establishment characteristic

Service-providing industries ..................................... 98 92 98 88 89

Education and health services ............................. 99 93 98 90 91

Educational services ........................................ 98 93 98 91 92

Elementary and secondary schools ............. 98 92 98 89 90

Junior colleges, colleges, and universities ... 100 97 99 95 97

Health care and social assistance ................... 99 91 97 83 84

Hospitals ...................................................... 99 87 96 82 81

Public administration ............................................ 97 89 97 85 87

1 to 99 workers ........................................................ 96 88 96 84 84

1 to 49 workers .................................................... 96 90 96 85 87

50 to 99 workers .................................................. 97 86 95 82 80

100 workers or more ................................................ 98 92 98 89 90

100 to 499 workers .............................................. 97 92 98 88 91

500 workers or more ............................................ 99 92 98 89 90

State government .................................................... 100 95 100 92 95

Local government .................................................... 97 90 97 86 87

See footnotes at end of table.
Table 18. Fee-for-service plans: Coverage for mental health care and substance abuse treatment,

state and local government workers, National Compensation Survey, 2011—Continued

(All workers participating in fee-for-service plans = 100 percent)

Characteristics

Inpatient

mental health

care

Outpatient

mental health

care

Inpatient

substance abuse

detoxification

Inpatient

substance abuse

rehabilitation

Outpatient

substance abuse

 rehabilitation

Geographic area

New England ........................................................... 98 94 99 90 91

Middle Atlantic ......................................................... 100 97 100 95 97

East North Central ................................................... 96 90 98 89 88

West North Central .................................................. 98 89 97 95 89

South Atlantic ........................................................... 99 89 99 82 87

West South Central .................................................. 96 93 95 92 91

Mountain .................................................................. 98 91 99 84 86

Pacific ...................................................................... 99 88 99 79 80

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, 2010." See Technical Note for more details.

NOTE: 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.
Table 18. Standard errors for fee-for-service plans: Coverage for mental health care and substance

abuse treatment, state and local government workers, National Compensation Survey, 2011

Characteristics

Inpatient

mental health

care

Outpatient

mental health

care

Inpatient

substance abuse

detoxification

Inpatient

substance abuse

rehabilitation

Outpatient

substance abuse

 rehabilitation

All workers ............................................................... 0.4 1.0 0.3 1.1 1.0

Worker characteristic

Management, professional, and related .................. 0.4 1.2 0.4 1.3 1.3

Professional and related ...................................... 0.5 1.1 0.5 1.2 1.1

Teachers .......................................................... 0.5 1.2 0.5 1.3 1.2

Primary, secondary, and special education

school teachers .......................................... 0.6 1.5 0.7 1.6 1.5

Service ..................................................................... 0.6 1.2 0.6 1.9 1.2

Protective service ................................................ 1.0 1.8 0.9 3.2 1.9

Sales and office ....................................................... 0.7 1.3 0.7 1.5 1.4

Office and administrative support ........................ 0.8 1.3 0.8 1.5 1.5

Natural resources, construction, and maintenance 1.0 2.1 1.0 2.0 2.2

Production, transportation, and material moving ..... 1.8 2.6 2.1 3.1 2.9

Full time ................................................................... 0.5 1.0 0.4 1.1 1.0

Part time .................................................................. 0.2 1.7 0.6 2.7 1.9

Union ....................................................................... 0.5 1.1 0.4 1.2 1.1

Nonunion ................................................................. 0.7 1.3 0.5 1.6 1.3

Average wage within the following categories:1

Lowest 25 percent ............................................... 0.9 1.4 0.8 2.0 1.3

Lowest 10 percent ........................................... 1.5 2.1 1.5 2.3 2.1

Second 25 percent ............................................... 0.5 1.2 0.4 1.4 1.4

Third 25 percent ................................................... 0.4 1.1 0.4 1.2 1.2

Highest 25 percent ............................................... 0.5 1.5 0.4 1.4 1.5

Highest 10 percent ........................................... 0.3 1.4 0.3 1.3 1.3

Establishment characteristic

Service-providing industries ..................................... 0.4 1.0 0.4 1.1 1.0

Education and health services ............................. 0.4 1.0 0.5 1.3 1.1

Educational services ........................................ 0.5 1.2 0.5 1.3 1.2

Elementary and secondary schools ............. 0.6 1.5 0.6 1.6 1.5

Junior colleges, colleges, and universities ... 0.4 1.2 0.4 1.7 1.2

Health care and social assistance ................... 0.8 2.8 2.1 3.5 3.7

Hospitals ...................................................... 1.1 4.3 3.1 5.1 5.5

Public administration ............................................ 1.0 1.9 0.9 2.1 2.0

1 to 99 workers ........................................................ 1.4 2.5 1.5 2.5 2.7

1 to 49 workers .................................................... 2.1 2.8 2.1 3.2 3.2

50 to 99 workers .................................................. 1.6 3.9 2.2 4.2 5.0

100 workers or more ................................................ 0.4 1.1 0.4 1.3 1.1

100 to 499 workers .............................................. 0.9 1.3 0.7 1.8 1.4

500 workers or more ............................................ 0.4 1.3 0.5 1.5 1.4

State government .................................................... 0.2 1.9 0.2 2.5 1.9

Local government .................................................... 0.6 1.2 0.5 1.1 1.1

See footnotes at end of table.
Table 18. Standard errors for fee-for-service plans: Coverage for mental health care and substance

abuse treatment, state and local government workers, National Compensation Survey,

2011—Continued

Characteristics

Inpatient

mental health

care

Outpatient

mental health

care

Inpatient

substance abuse

detoxification

Inpatient

substance abuse

rehabilitation

Outpatient

substance abuse

 rehabilitation

Geographic area

New England ........................................................... 1.4 1.2 1.4 1.5 2.3

Middle Atlantic ......................................................... 0.1 1.1 0.1 1.9 0.9

East North Central ................................................... 1.3 3.5 1.0 3.1 3.3

West North Central .................................................. 1.3 2.7 1.2 1.6 2.7

South Atlantic ........................................................... 0.4 3.3 0.4 4.0 3.3

West South Central .................................................. 2.2 2.4 1.5 2.2 2.5

Mountain .................................................................. 1.4 5.4 1.4 3.9 3.8

Pacific ...................................................................... 0.7 2.7 0.8 3.1 3.1

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, 2010." See Technical Note for more details.

NOTE: 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.
Table 19. Health maintenance organizations: Summary of selected features, state and local government workers, National

Compensation Survey, 2011

(All workers participating in health maintenance organizations = 100 percent)

Characteristics

Annual deductible Coinsurance Annual out-of-pocket maximum

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

All workers ............................................................... 26 74 1 ( ) 11 89 – 69 31 1 ( )

Worker characteristic

Management, professional, and related .................. 25 75 – 11 89 – 70 30 1 ( )

Professional and related ...................................... 26 74 – 10 90 – 68 31 1 ( )

Teachers .......................................................... 28 72 – 9 91 – 67 33 –

Primary, secondary, and special education

school teachers .......................................... 30 70 – 10 90 – 67 33 –

Service ..................................................................... 27 73 – 12 88 – 65 35 1 ( )

Protective service ................................................ 28 72 – 11 89 – 62 38 1 ( )

Sales and office ....................................................... 25 75 1 ( ) 13 87 – 72 27 1

Office and administrative support ........................ 25 75 1 ( ) 14 86 – 72 27 1

Natural resources, construction, and maintenance 29 70 1 ( ) – 87 – 69 30 1

Production, transportation, and material moving ..... 17 79 4 – 92 – 53 40 7

Full time ................................................................... 26 74 1 ( ) 12 88 – 69 31 1 ( )

Part time .................................................................. 18 82 – 8 92 – 68 32 1

Union ....................................................................... 22 78 1 ( ) 6 94 – 64 36 1

Nonunion ................................................................. 33 67 – 22 78 – 78 22 –

Average wage within the following categories:2

Lowest 25 percent ............................................... 29 70 1 17 83 – 79 20 1

Lowest 10 percent ........................................... 37 63 – – 77 – 90 – –

Second 25 percent ............................................... 25 75 1 ( ) 13 87 – 69 31 1 ( )

Third 25 percent ................................................... 28 71 1 ( ) 13 87 – 68 32 1

Highest 25 percent ............................................... 23 77 1 ( ) 7 93 – 65 35 1 ( )

Highest 10 percent ........................................... 19 81 – 4 96 – 62 38 1 ( )

Establishment characteristic

Service-providing industries ..................................... 25 74 1 ( ) 11 89 – 68 31 1 ( )

Education and health services ............................. 27 73 – 10 90 – 70 30 1 ( )

Educational services ........................................ 26 74 – 8 92 – 69 31 –

Elementary and secondary schools ............. 27 73 – 10 90 – 69 31 –

Junior colleges, colleges, and universities ... 21 79 – – 97 – 69 31 –

Health care and social assistance ................... 36 64 – 26 74 – 77 22 1

Hospitals ...................................................... – – – – – – 70 28 2

Public administration ............................................ 24 76 – 13 87 – 67 33 –

1 to 99 workers ........................................................ 37 63 – 28 72 – 83 17 –

1 to 49 workers .................................................... 29 71 – – 74 – 75 – –

50 to 99 workers .................................................. 47 53 – 30 70 – 93 7 –

100 workers or more ................................................ 25 75 1 ( ) 10 90 – 67 32 1 ( )

100 to 499 workers .............................................. 29 71 – 9 91 – 66 34 –

500 workers or more ............................................ 24 76 1 ( ) 10 90 – 68 32 1

State government .................................................... 21 78 1 ( ) 9 91 – 75 24 1

Local government .................................................... 27 73 1 ( ) 13 87 – 66 34 1 ( )

See footnotes at end of table.
Table 19. Health maintenance organizations: Summary of selected features, state and local government workers, National

Compensation Survey, 2011—Continued

(All workers participating in health maintenance organizations = 100 percent)

Characteristics

Annual deductible Coinsurance Annual out-of-pocket maximum

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Geographic area

New England ........................................................... 26 73 1 – 99 – 32 66 3

Middle Atlantic ......................................................... 26 74 – – 100 – 14 86 –

East North Central ................................................... 28 72 – 12 88 – 41 59 1 ( )

West North Central .................................................. 57 43 – 37 63 – 92 – –

South Atlantic ........................................................... 34 66 – 22 78 – 77 23 –

West South Central .................................................. 28 72 – – 80 – 93 7 –

Mountain .................................................................. 47 50 3 36 64 – 83 – –

Pacific ...................................................................... 10 90 – – 98 – 95 4 1 ( )

1 Less than 0.5. 2 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, 2010." 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.
Table 19. Standard errors for health maintenance organizations: Summary of selected features, state and local government

workers, National Compensation Survey, 2011

Characteristics

Annual deductible Coinsurance Annual out-of-pocket maximum

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

All workers ............................................................... 1.6 1.6 0.2 1.2 1.2 – 2.0 2.0 0.3

Worker characteristic

Management, professional, and related .................. 1.8 1.8 – 1.3 1.3 – 2.6 2.6 0.1

Professional and related ...................................... 1.8 1.8 – 1.3 1.3 – 2.6 2.6 0.1

Teachers .......................................................... 2.4 2.4 – 1.7 1.7 – 2.8 2.8 –

Primary, secondary, and special education

school teachers .......................................... 2.8 2.8 – 1.7 1.7 – 3.0 3.0 –

Service ..................................................................... 2.3 2.3 – 1.7 1.7 – 2.5 2.5 0.2

Protective service ................................................ 3.3 3.3 – 2.1 2.1 – 3.5 3.5 1 ( )

Sales and office ....................................................... 3.0 3.0 0.2 2.5 2.5 – 3.1 3.2 0.5

Office and administrative support ........................ 2.9 2.9 0.2 2.4 2.4 – 3.0 3.1 0.5

Natural resources, construction, and maintenance 4.4 4.4 0.3 – 4.2 – 4.4 4.4 0.5

Production, transportation, and material moving ..... 4.0 5.0 3.4 – 4.2 – 6.3 6.3 4.2

Full time ................................................................... 1.7 1.7 0.2 1.2 1.2 – 2.0 2.0 0.3

Part time .................................................................. 2.9 2.9 – 2.1 2.1 – 4.7 4.5 0.8

Union ....................................................................... 1.4 1.4 0.2 0.7 0.7 – 1.8 1.8 0.4

Nonunion ................................................................. 4.0 4.0 – 3.4 3.4 – 2.9 2.9 –

Average wage within the following categories:2

Lowest 25 percent ............................................... 3.9 4.0 1.0 3.0 3.0 – 2.5 2.3 1.0

Lowest 10 percent ........................................... 7.4 7.4 – – 7.1 – 3.2 – –

Second 25 percent ............................................... 2.3 2.3 0.1 1.8 1.8 – 2.6 2.6 0.1

Third 25 percent ................................................... 2.8 2.8 0.1 2.0 2.0 – 2.6 2.8 0.6

Highest 25 percent ............................................... 1.5 1.5 1 ( ) 1.1 1.1 – 2.0 2.0 0.1

Highest 10 percent ........................................... 2.3 2.3 – 1.2 1.2 – 2.8 2.7 0.2

Establishment characteristic

Service-providing industries ..................................... 1.6 1.6 0.2 1.2 1.2 – 2.0 2.0 0.3

Education and health services ............................. 1.8 1.8 – 1.4 1.4 – 2.2 2.2 0.2

Educational services ........................................ 1.8 1.8 – 1.2 1.2 – 2.3 2.3 –

Elementary and secondary schools ............. 2.3 2.3 – 1.5 1.5 – 2.2 2.2 –

Junior colleges, colleges, and universities ... 3.4 3.4 – – 2.0 – 5.2 5.2 –

Health care and social assistance ................... 6.3 6.3 – 5.3 5.3 – 3.5 3.0 1.2

Hospitals ...................................................... – – – – – – 5.0 4.4 1.7

Public administration ............................................ 2.4 2.4 – 1.9 1.9 – 2.8 2.8 –

1 to 99 workers ........................................................ 6.6 6.6 – 6.9 6.9 – 4.7 4.7 –

1 to 49 workers .................................................... 7.1 7.1 – – 8.5 – 8.1 – –

50 to 99 workers .................................................. 9.6 9.6 – 8.3 8.3 – 1.5 1.5 –

100 workers or more ................................................ 1.6 1.5 0.2 1.1 1.1 – 2.1 2.1 0.3

100 to 499 workers .............................................. 3.7 3.7 – 2.1 2.1 – 5.4 5.4 –

500 workers or more ............................................ 1.7 1.7 0.2 1.2 1.2 – 2.4 2.4 0.3

State government .................................................... 2.9 2.9 0.2 1.3 1.3 – 4.4 4.5 0.7

Local government .................................................... 1.8 1.8 0.2 1.4 1.4 – 1.7 1.7 0.3

See footnotes at end of table.
Table 19. Standard errors for health maintenance organizations: Summary of selected features, state and local government

workers, National Compensation Survey, 2011—Continued

Characteristics

Annual deductible Coinsurance Annual out-of-pocket maximum

Yes No Not

determinable Yes No Notdeterminable Yes No Notdeterminable

Geographic area

New England ........................................................... 6.4 6.1 0.8 – 1.4 – 4.0 5.3 2.6

Middle Atlantic ......................................................... 2.3 2.3 – – 0.3 – 3.3 3.3 –

East North Central ................................................... 3.0 3.0 – 2.7 2.7 – 11.1 11.1 0.2

West North Central .................................................. 12.3 12.3 – 8.3 8.3 – 5.1 – –

South Atlantic ........................................................... 6.6 6.6 – 5.1 5.1 – 3.1 3.1 –

West South Central .................................................. 8.3 8.3 – – 7.9 – 1.4 1.4 –

Mountain .................................................................. 8.2 8.3 2.8 6.1 6.1 – 5.4 – –

Pacific ...................................................................... 1.3 1.3 – – 1.0 – 0.9 0.8 0.3

1 Less than 0.05. 2 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, 2010." 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/glossary20102011.htm.
Table 20. Health maintenance organizations: Amount of annual individual out-of-pocket maximum, state and local government

workers, National Compensation Survey, 2011

(All workers participating in health maintenance organizations = 100 percent)

Characteristics Total

With out-ofpocket

maximum

Amount of out-of-pocket maximum

With no out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................... 100 68 $1,000 $1,350 $1,500 $2,000 $3,000 31 1 ( )

Worker characteristic

Management, professional, and related .................. 100 70 1,000 1,500 1,500 2,000 3,000 30 1 ( )

Professional and related ...................................... 100 68 1,000 1,500 1,500 2,000 3,000 32 1 ( )

Teachers .......................................................... 100 67 1,000 1,500 1,500 2,000 3,000 33 –

Primary, secondary, and special education

school teachers .......................................... 100 67 – 1,500 1,500 2,300 3,000 33 –

Service ..................................................................... 100 65 1,000 1,300 1,500 2,000 3,000 35 1 ( )

Protective service ................................................ 100 62 – 1,300 1,500 2,000 3,000 38 1 ( )

Sales and office ....................................................... 100 72 750 1,200 1,500 2,000 3,000 27 1

Office and administrative support ........................ 100 72 – 1,000 1,500 2,000 3,000 27 1

Natural resources, construction, and maintenance 100 69 1,000 1,500 1,500 2,500 3,000 30 1

Production, transportation, and material moving ..... 100 53 – 1,000 1,500 1,500 1,750 40 7

Full time ................................................................... 100 68 1,000 1,350 1,500 2,000 3,000 31 1 ( )

Part time .................................................................. 100 68 1,000 1,350 1,500 1,500 2,000 32 1

Union ....................................................................... 100 64 – 1,300 1,500 1,750 3,000 36 1

Nonunion ................................................................. 100 78 1,000 1,500 1,500 2,000 3,000 22 –

Average wage within the following categories:2

Lowest 25 percent ............................................... 100 79 1,000 1,500 1,500 2,500 3,000 20 1

Lowest 10 percent ........................................... 100 90 – 1,500 2,000 2,500 3,000 – –

Second 25 percent ............................................... 100 68 – 1,300 1,500 2,000 3,000 31 1 ( )

Third 25 percent ................................................... 100 68 1,000 1,300 1,500 2,000 3,000 32 1

Highest 25 percent ............................................... 100 65 1,000 1,500 1,500 2,000 3,000 35 1 ( )

Highest 10 percent ........................................... 100 62 – 1,200 1,500 1,500 2,500 38 1 ( )

Establishment characteristic

Service-providing industries ..................................... 100 68 1,000 1,350 1,500 2,000 3,000 31 1 ( )

Education and health services ............................. 100 70 1,000 1,350 1,500 2,000 3,000 30 1 ( )

Educational services ........................................ 100 69 1,000 1,500 1,500 2,000 3,000 31 –

Elementary and secondary schools ............. 100 69 1,000 1,500 1,500 2,300 3,000 31 –

Junior colleges, colleges, and universities ... 100 69 – 1,000 1,500 2,000 3,000 31 –

Health care and social assistance ................... 100 77 – 1,200 1,500 1,500 – 22 1

Hospitals ...................................................... 100 70 – 1,300 1,500 – – 28 2

Public administration ............................................ 100 66 – 1,300 1,500 2,000 3,000 34 –

1 to 99 workers ........................................................ 100 83 – 1,500 1,500 – 3,000 17 –

1 to 49 workers .................................................... 100 75 – 1,500 1,500 2,300 3,000 – –

50 to 99 workers .................................................. 100 93 500 – 1,650 – 3,000 7 –

100 workers or more ................................................ 100 67 1,000 1,350 1,500 2,000 3,000 32 1 ( )

100 to 499 workers .............................................. 100 66 500 1,300 1,500 2,000 3,000 34 –

500 workers or more ............................................ 100 68 1,000 1,400 1,500 2,000 3,000 32 1

State government .................................................... 100 75 – 1,500 1,500 1,700 3,000 24 1

Local government .................................................... 100 66 1,000 1,350 1,500 2,000 3,000 34 1 ( )

See footnotes at end of table.
Table 20. Health maintenance organizations: Amount of annual individual out-of-pocket maximum, state and local government

workers, National Compensation Survey, 2011—Continued

(All workers participating in health maintenance organizations = 100 percent)

Characteristics Total

With out-ofpocket

maximum

Amount of out-of-pocket maximum

With no out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Geographic area

New England ........................................................... 100 32 $500 $500 – – – 66 3

Middle Atlantic ......................................................... 100 14 400 400 $440 $1,000 $1,500 86 –

East North Central ................................................... 100 41 1,300 1,300 1,500 2,950 3,000 59 1 ( )

West North Central .................................................. 100 92 750 – 2,000 2,500 3,000 – –

South Atlantic ........................................................... 100 77 1,000 1,500 1,500 2,000 3,400 23 –

West South Central .................................................. 100 93 1,500 1,750 2,500 3,000 3,500 7 –

Mountain .................................................................. 100 83 1,000 2,000 – 3,000 4,000 – –

Pacific ...................................................................... 100 95 1,000 1,500 1,500 1,500 1,650 5 1 ( )

1 Less than 0.5. 2 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,

2010." 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.
Table 20. Standard errors for health maintenance organizations: Amount of annual individual out-of-pocket maximum, state

and local government workers, National Compensation Survey, 2011

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum

With no out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile 90th percentile

All workers ............................................................... 2.0 $135 $174 $0 $0 $0 2.0 0.3

Worker characteristic

Management, professional, and related .................. 2.6 0 137 0 0 0 2.6 0.1

Professional and related ...................................... 2.6 0 183 0 0 0 2.6 0.1

Teachers .......................................................... 2.8 0 62 0 374 0 2.8 –

Primary, secondary, and special education

school teachers .......................................... 3.0 – 123 0 433 0 3.0 –

Service ..................................................................... 2.5 246 126 0 0 39 2.5 0.2

Protective service ................................................ 3.5 – 322 0 59 484 3.5 1 ( )

Sales and office ....................................................... 3.1 206 303 0 0 0 3.2 0.5

Office and administrative support ........................ 3.0 – 282 0 0 0 3.1 0.5

Natural resources, construction, and maintenance 4.4 240 81 0 277 0 4.4 0.5

Production, transportation, and material moving ..... 6.3 – 205 0 0 313 6.3 4.2

Full time ................................................................... 2.0 149 175 0 0 0 2.0 0.3

Part time .................................................................. 4.7 258 184 0 0 0 4.5 0.8

Union ....................................................................... 1.8 – 167 0 251 99 1.8 0.4

Nonunion ................................................................. 2.9 0 112 0 301 0 2.9 –

Average wage within the following categories:2

Lowest 25 percent ............................................... 2.5 110 50 39 481 0 2.3 1.0

Lowest 10 percent ........................................... 3.2 – 40 597 592 0 – –

Second 25 percent ............................................... 2.6 – 336 0 312 179 2.6 0.1

Third 25 percent ................................................... 2.7 0 201 0 339 0 2.8 0.6

Highest 25 percent ............................................... 2.0 39 154 0 285 69 2.0 0.1

Highest 10 percent ........................................... 2.8 – 207 0 0 200 2.7 0.2

Establishment characteristic

Service-providing industries ..................................... 2.0 175 172 0 0 0 2.0 0.3

Education and health services ............................. 2.2 199 129 0 0 0 2.2 0.2

Educational services ........................................ 2.3 0 109 0 252 0 2.3 –

Elementary and secondary schools ............. 2.2 0 0 0 415 0 2.2 –

Junior colleges, colleges, and universities ... 5.2 – 166 0 363 392 5.2 –

Health care and social assistance ................... 3.5 – 248 147 55 – 3.0 1.2

Hospitals ...................................................... 5.0 – 231 164 – – 4.4 1.7

Public administration ............................................ 2.8 – 347 0 105 398 2.8 –

1 to 99 workers ........................................................ 4.7 – 126 137 – 0 4.7 –

1 to 49 workers .................................................... 8.1 – 0 82 646 0 – –

50 to 99 workers .................................................. 1.5 140 – 172 – 0 1.5 –

100 workers or more ................................................ 2.1 39 138 0 0 0 2.1 0.3

100 to 499 workers .............................................. 5.4 44 223 0 236 0 5.4 –

500 workers or more ............................................ 2.4 0 170 0 0 40 2.3 0.3

State government .................................................... 4.4 – 280 0 163 429 4.5 0.7

Local government .................................................... 1.7 0 168 0 0 0 1.7 0.3

See footnotes at end of table.
Table 20. Standard errors for health maintenance organizations: Amount of annual individual out-of-pocket maximum, state

and local government workers, National Compensation Survey, 2011—Continued

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum

With no out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile 90th percentile

Geographic area

New England ........................................................... 4.0 $0 $28 – – – 5.3 2.6

Middle Atlantic ......................................................... 3.3 0 0 $109 $0 $0 3.3 –

East North Central ................................................... 11.1 177 0 29 837 0 11.1 0.2

West North Central .................................................. 5.1 0 – 495 0 0 – –

South Atlantic ........................................................... 3.1 55 108 287 308 554 3.1 –

West South Central .................................................. 1.4 0 435 139 0 658 1.4 –

Mountain .................................................................. 5.4 250 439 – 580 1,131 – –

Pacific ...................................................................... 0.8 0 177 0 0 123 0.8 0.3

1 Less than 0.05. 2 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, 2010." 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/glossary20102011.htm.
Table 21. Health maintenance organizations: Amount of annual family out-of-pocket maximum, state and local government workers,

National Compensation Survey, 2011

(All workers participating in health maintenance organizations = 100 percent)

Characteristics Total

With out-ofpocket

maximum

Amount of out-of-pocket maximum

With no out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................... 100 67 $2,000 $3,000 $3,000 $4,500 $6,000 33 1 ( )

Worker characteristic

Management, professional, and related .................. 100 68 2,000 3,000 3,000 4,500 6,000 32 1 ( )

Professional and related ...................................... 100 67 2,000 3,000 3,000 4,500 6,000 33 1 ( )

Teachers .......................................................... 100 66 2,000 3,000 3,000 5,000 6,000 34 –

Primary, secondary, and special education

school teachers .......................................... 100 66 2,000 3,000 3,000 5,000 6,000 34 –

Service ..................................................................... 100 63 2,000 3,000 3,000 4,500 6,000 36 1 ( )

Protective service ................................................ 100 60 2,000 3,000 3,000 4,000 6,000 40 1 ( )

Sales and office ....................................................... 100 70 1,500 3,000 3,000 4,500 6,000 29 1

Office and administrative support ........................ 100 70 1,500 3,000 3,000 4,500 6,000 29 1

Natural resources, construction, and maintenance 100 66 2,000 3,000 3,000 6,000 7,000 34 1

Production, transportation, and material moving ..... 100 52 – – 3,000 3,000 4,500 41 7

Full time ................................................................... 100 67 2,000 3,000 3,000 4,500 6,000 33 1 ( )

Part time .................................................................. 100 68 – 3,000 3,000 – 4,500 32 1

Union ....................................................................... 100 62 – 3,000 3,000 4,500 6,000 37 1

Nonunion ................................................................. 100 75 2,000 3,000 3,000 4,950 7,000 25 –

Average wage within the following categories:2

Lowest 25 percent ............................................... 100 76 – 3,000 3,000 5,000 6,000 23 1

Lowest 10 percent ........................................... 100 86 2,700 3,000 4,000 5,250 6,000 14 –

Second 25 percent ............................................... 100 68 – 3,000 3,000 4,500 6,000 32 1 ( )

Third 25 percent ................................................... 100 65 2,000 3,000 3,000 4,850 6,000 34 1

Highest 25 percent ............................................... 100 63 2,000 3,000 3,000 4,000 6,000 36 1 ( )

Highest 10 percent ........................................... 100 60 – 3,000 3,000 3,000 5,600 40 1 ( )

Establishment characteristic

Service-providing industries ..................................... 100 67 2,000 3,000 3,000 4,500 6,000 33 1 ( )

Education and health services ............................. 100 68 2,000 3,000 3,000 4,500 6,000 32 1 ( )

Educational services ........................................ 100 68 2,000 3,000 3,000 4,950 6,000 32 –

Elementary and secondary schools ............. 100 67 2,000 3,000 3,000 5,000 6,000 33 –

Junior colleges, colleges, and universities ... 100 69 – 3,000 3,000 4,000 6,000 31 –

Health care and social assistance ................... 100 72 – 2,400 3,000 3,000 6,000 27 1

Hospitals ...................................................... 100 63 1,500 2,600 3,000 3,000 6,000 35 2

Public administration ............................................ 100 65 – 3,000 3,000 4,000 6,000 35 –

1 to 99 workers ........................................................ 100 79 – 3,000 3,000 5,250 6,000 21 –

1 to 49 workers .................................................... 100 71 – 3,000 3,000 5,250 6,000 – –

50 to 99 workers .................................................. 100 90 1,000 – 3,500 5,000 6,000 – –

100 workers or more ................................................ 100 66 2,000 3,000 3,000 4,500 6,000 34 1 ( )

100 to 499 workers .............................................. 100 66 1,000 2,700 3,000 4,950 6,000 34 –

500 workers or more ............................................ 100 66 2,000 3,000 3,000 4,500 6,000 34 1

State government .................................................... 100 75 – 3,000 3,000 4,000 6,000 25 1

Local government .................................................... 100 64 2,000 3,000 3,000 4,500 6,000 36 1 ( )

See footnotes at end of table.
Table 21. Health maintenance organizations: Amount of annual family out-of-pocket maximum, state and local government workers,

National Compensation Survey, 2011—Continued

(All workers participating in health maintenance organizations = 100 percent)

Characteristics Total

With out-ofpocket

maximum

Amount of out-of-pocket maximum

With no out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Geographic area

New England ........................................................... 100 32 $1,000 $1,000 – – – 66 3

Middle Atlantic ......................................................... 100 14 – 800 $1,000 $2,000 $3,000 86 –

East North Central ................................................... 100 39 2,600 2,600 3,000 6,000 6,000 61 1 ( )

West North Central .................................................. 100 78 1,500 – – 4,000 5,000 – –

South Atlantic ........................................................... 100 74 2,400 3,000 3,000 4,850 8,000 26 –

West South Central .................................................. 100 90 3,000 3,500 5,000 6,000 7,500 – –

Mountain .................................................................. 100 78 3,000 – 4,500 7,500 10,000 – –

Pacific ...................................................................... 100 95 2,000 3,000 3,000 3,000 4,950 5 1 ( )

1 Less than 0.5. 2 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,

2010." 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.
Table 21. Standard errors for health maintenance organizations: Amount of annual family out-of-pocket maximum, state and

local government workers, National Compensation Survey, 2011

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum

With no out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................... 2.1 $427 $0 $0 $59 $0 2.1 0.3

Worker characteristic

Management, professional, and related .................. 2.6 0 0 0 225 0 2.6 0.1

Professional and related ...................................... 2.7 0 0 0 108 0 2.7 0.1

Teachers .......................................................... 2.8 111 0 0 288 0 2.8 –

Primary, secondary, and special education

school teachers .......................................... 3.0 460 0 0 29 340 3.0 –

Service ..................................................................... 2.5 482 198 0 714 78 2.5 0.2

Protective service ................................................ 3.6 562 111 0 658 886 3.7 1 ( )

Sales and office ....................................................... 3.3 153 351 0 474 0 3.4 0.5

Office and administrative support ........................ 3.1 177 453 0 623 0 3.2 0.5

Natural resources, construction, and maintenance 4.6 584 78 0 900 1,536 4.6 0.5

Production, transportation, and material moving ..... 6.3 – – 0 0 566 6.3 4.2

Full time ................................................................... 2.1 446 0 0 226 0 2.1 0.3

Part time .................................................................. 4.7 – 201 0 – 0 4.5 0.8

Union ....................................................................... 1.9 – 136 0 680 0 1.9 0.4

Nonunion ................................................................. 3.2 506 0 0 341 1,243 3.2 –

Average wage within the following categories:2

Lowest 25 percent ............................................... 2.9 – 0 196 364 0 2.8 1.0

Lowest 10 percent ........................................... 3.9 44 0 1,119 1,012 196 3.9 –

Second 25 percent ............................................... 2.7 – 492 0 510 0 2.7 0.1

Third 25 percent ................................................... 2.8 159 0 0 422 0 2.9 0.6

Highest 25 percent ............................................... 2.1 98 0 0 340 0 2.1 0.1

Highest 10 percent ........................................... 2.8 – 211 0 0 953 2.8 0.2

Establishment characteristic

Service-providing industries ..................................... 2.1 470 0 0 0 0 2.1 0.3

Education and health services ............................. 2.3 450 0 0 491 0 2.2 0.2

Educational services ........................................ 2.4 111 0 0 312 0 2.4 –

Elementary and secondary schools ............. 2.2 136 0 0 0 0 2.2 –

Junior colleges, colleges, and universities ... 5.2 – 0 0 428 196 5.2 –

Health care and social assistance ................... 4.2 – 215 195 0 785 3.8 1.2

Hospitals ...................................................... 5.8 428 344 381 428 877 5.4 1.7

Public administration ............................................ 2.9 – 0 0 450 0 2.9 –

1 to 99 workers ........................................................ 5.6 – 0 325 708 0 5.6 –

1 to 49 workers .................................................... 8.9 – 0 340 1,037 0 – –

50 to 99 workers .................................................. 3.2 266 – 754 736 0 – –

100 workers or more ................................................ 2.2 225 0 0 98 0 2.2 0.3

100 to 499 workers .............................................. 5.5 96 346 0 714 0 5.5 –

500 workers or more ............................................ 2.5 0 0 0 170 0 2.4 0.3

State government .................................................... 4.4 – 0 0 643 0 4.4 0.7

Local government .................................................... 1.8 270 0 0 206 0 1.8 0.3

See footnotes at end of table.
Table 21. Standard errors for health maintenance organizations: Amount of annual family out-of-pocket maximum, state and

local government workers, National Compensation Survey, 2011—Continued

Characteristics

With out-ofpocket

maximum

Amount of out-of-pocket maximum

With no out-ofpocket

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Geographic area

New England ........................................................... 4.0 $0 $55 – – – 5.3 2.6

Middle Atlantic ......................................................... 3.3 – 0 $235 $0 $0 3.3 –

East North Central ................................................... 10.8 424 0 0 0 0 10.8 0.2

West North Central .................................................. 14.9 0 – – 0 0 – –

South Atlantic ........................................................... 4.0 618 0 629 345 2,177 4.0 –

West South Central .................................................. 3.3 0 877 0 0 1,181 – –

Mountain .................................................................. 6.0 0 – 855 260 1,319 – –

Pacific ...................................................................... 1.0 0 0 0 0 484 0.9 0.3

1 Less than 0.05. 2 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, 2010." 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/glossary20102011.htm.
Table 22. Health maintenance organizations: Coverage for selected services, state and local

government workers, National Compensation Survey, 2011

(All workers participating in health maintenance organizations = 100 percent)

Characteristics

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery

Physician

office visit

Skilled

nursing

facility

Home health

care

All workers ............................................................... 100 98 98 100 84 82

Worker characteristic

Management, professional, and related .................. 100 98 98 100 84 83

Professional and related ...................................... 100 98 98 100 84 83

Teachers .......................................................... 100 99 99 100 80 82

Primary, secondary, and special education

school teachers .......................................... 100 99 99 100 79 81

Service ..................................................................... 100 99 99 100 86 84

Protective service ................................................ 99 99 99 100 85 84

Sales and office ....................................................... 100 97 97 100 83 82

Office and administrative support ........................ 100 97 97 100 84 83

Natural resources, construction, and maintenance 99 98 98 100 81 77

Production, transportation, and material moving ..... 99 98 98 100 – –

Full time ................................................................... 100 98 98 100 83 82

Part time .................................................................. 100 100 100 100 90 89

Union ....................................................................... 100 97 97 100 84 82

Nonunion ................................................................. 100 99 99 100 83 83

Average wage within the following categories:1

Lowest 25 percent ............................................... 100 98 98 100 80 79

Lowest 10 percent ........................................... 100 100 100 100 – –

Second 25 percent ............................................... 100 98 98 100 84 84

Third 25 percent ................................................... 99 97 97 100 83 82

Highest 25 percent ............................................... 100 98 98 100 85 83

Highest 10 percent ........................................... 100 98 98 100 84 83

Establishment characteristic

Service-providing industries ..................................... 100 98 98 100 84 82

Education and health services ............................. 100 99 99 100 83 83

Educational services ........................................ 100 99 99 100 81 83

Elementary and secondary schools ............. 100 99 99 100 79 82

Junior colleges, colleges, and universities ... 100 98 98 100 86 85

Health care and social assistance ................... 100 98 98 100 92 86

Hospitals ...................................................... 100 97 97 100 90 90

Public administration ............................................ 99 97 97 100 86 84

1 to 99 workers ........................................................ 100 99 99 100 79 –

1 to 49 workers .................................................... 100 99 99 100 – –

50 to 99 workers .................................................. 100 100 100 100 79 –

100 workers or more ................................................ 100 98 98 100 84 83

100 to 499 workers .............................................. 99 98 98 100 82 –

500 workers or more ............................................ 100 98 98 100 84 84

State government .................................................... 100 97 97 100 94 86

Local government .................................................... 100 98 98 100 79 81

See footnotes at end of table.
Table 22. Health maintenance organizations: Coverage for selected services, state and local

government workers, National Compensation Survey, 2011—Continued

(All workers participating in health maintenance organizations = 100 percent)

Characteristics

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery

Physician

office visit

Skilled

nursing

facility

Home health

care

Geographic area

New England ........................................................... 100 99 99 100 84 –

Middle Atlantic ......................................................... 100 90 91 100 94 81

East North Central ................................................... 100 100 100 100 83 86

West North Central .................................................. 95 95 95 100 – 94

South Atlantic ........................................................... 99 99 99 100 80 82

West South Central .................................................. 100 100 100 100 – –

Mountain .................................................................. 100 100 100 100 82 85

Pacific ...................................................................... 100 100 100 100 87 87

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,

2010." 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/glossary20102011.htm.
Table 22. Standard errors for health maintenance organizations: Coverage for selected services, state

and local government workers, National Compensation Survey, 2011

Characteristics

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery

Physician

office visit

Skilled

nursing

facility

Home health

care

All workers ............................................................... 0.2 0.2 0.2 1 ( ) 1.7 1.6

Worker characteristic

Management, professional, and related .................. 0.1 0.2 0.2 1 ( ) 1.9 1.7

Professional and related ...................................... 0.1 0.2 0.2 1 ( ) 1.9 1.8

Teachers .......................................................... 1 ( ) 0.2 0.2 1 ( ) 3.0 2.5

Primary, secondary, and special education

school teachers .......................................... 1 ( ) 0.2 0.2 1 ( ) 2.6 2.3

Service ..................................................................... 0.4 0.4 0.4 1 ( ) 2.0 2.0

Protective service ................................................ 0.7 0.7 0.7 1 ( ) 3.0 3.0

Sales and office ....................................................... 0.2 0.8 0.8 1 ( ) 2.9 2.6

Office and administrative support ........................ 0.2 0.8 0.8 1 ( ) 2.6 2.2

Natural resources, construction, and maintenance 0.5 0.8 0.8 1 ( ) 3.6 3.7

Production, transportation, and material moving ..... 1.0 1.4 1.4 1 ( ) – –

Full time ................................................................... 0.2 0.3 0.3 1 ( ) 1.7 1.6

Part time .................................................................. 1 ( ) 1 ( ) 0.1 1 ( ) 3.0 3.4

Union ....................................................................... 0.1 0.3 0.3 1 ( ) 1.9 1.8

Nonunion ................................................................. 0.5 0.5 0.5 1 ( ) 2.8 2.4

Average wage within the following categories:2

Lowest 25 percent ............................................... 1 ( ) 0.7 0.7 1 ( ) 3.8 3.7

Lowest 10 percent ........................................... 1 ( ) 1 ( ) 1 ( ) 1 ( ) – –

Second 25 percent ............................................... 0.3 0.4 0.4 1 ( ) 1.8 2.0

Third 25 percent ................................................... 0.5 0.5 0.5 1 ( ) 2.4 2.6

Highest 25 percent ............................................... 1 ( ) 0.2 0.2 1 ( ) 2.1 1.6

Highest 10 percent ........................................... 1 ( ) 0.4 0.4 1 ( ) 3.2 2.4

Establishment characteristic

Service-providing industries ..................................... 0.2 0.2 0.2 1 ( ) 1.7 1.6

Education and health services ............................. 1 ( ) 0.2 0.2 1 ( ) 2.1 1.9

Educational services ........................................ 1 ( ) 0.3 0.3 1 ( ) 2.4 2.2

Elementary and secondary schools ............. 1 ( ) 0.2 0.2 1 ( ) 2.4 2.1

Junior colleges, colleges, and universities ... 1 ( ) 0.9 0.9 1 ( ) 4.2 4.1

Health care and social assistance ................... 1 ( ) 0.5 0.5 1 ( ) 3.1 2.9

Hospitals ...................................................... 1 ( ) 0.8 0.8 1 ( ) 4.4 4.1

Public administration ............................................ 0.4 0.7 0.7 1 ( ) 2.1 2.2

1 to 99 workers ........................................................ 1 ( ) 0.3 0.3 1 ( ) 5.2 –

1 to 49 workers .................................................... 1 ( ) 0.5 0.5 1 ( ) – –

50 to 99 workers .................................................. 1 ( ) 1 ( ) 1 ( ) 1 ( ) 4.5 –

100 workers or more ................................................ 0.2 0.3 0.3 1 ( ) 1.7 1.5

100 to 499 workers .............................................. 0.4 0.8 0.8 1 ( ) 3.6 –

500 workers or more ............................................ 0.2 0.3 0.3 1 ( ) 1.8 1.5

State government .................................................... 1 ( ) 0.3 0.3 1 ( ) 2.1 2.9

Local government .................................................... 0.2 0.3 0.3 1 ( ) 2.0 1.8

See footnotes at end of table.
Table 22. Standard errors for health maintenance organizations: Coverage for selected services, state

and local government workers, National Compensation Survey, 2011—Continued

Characteristics

Hospital

room and

board

Inpatient

surgery

Outpatient

surgery

Physician

office visit

Skilled

nursing

facility

Home health

care

Geographic area

New England ........................................................... 1 ( ) 0.9 0.9 1 ( ) 4.5 –

Middle Atlantic ......................................................... 1 ( ) 0.6 0.6 1 ( ) 0.7 1.7

East North Central ................................................... 1 ( ) 0.1 0.1 1 ( ) 4.0 3.2

West North Central .................................................. 2.5 2.5 2.5 1 ( ) – 3.2

South Atlantic ........................................................... 0.8 0.8 0.8 1 ( ) 5.1 3.6

West South Central .................................................. 1 ( ) 1 ( ) 1 ( ) 1 ( ) – –

Mountain .................................................................. 1 ( ) 1 ( ) 1 ( ) 1 ( ) 4.8 3.7

Pacific ...................................................................... 1 ( ) 0.5 0.5 1 ( ) 3.2 2.9

1 Less than 0.05. 2 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,

2010." 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/glossary20102011.htm.
Table 23. Health maintenance organizations: Coverage for mental health care and substance abuse

treatment, state and local government workers, National Compensation Survey, 2011

(All workers participating in health maintenance organizations = 100 percent)

Characteristics

Inpatient

mental health

care

Outpatient

mental health

care

Inpatient

substance abuse

detoxification

Inpatient

substance abuse

rehabilitation

Outpatient

substance abuse

 rehabilitation

All workers ............................................................... 99 91 99 85 87

Worker characteristic

Management, professional, and related .................. 99 92 99 86 88

Professional and related ...................................... 99 92 100 87 88

Teachers .......................................................... 99 90 100 86 87

Primary, secondary, and special education

school teachers .......................................... 99 91 99 85 87

Service ..................................................................... 99 91 99 85 86

Protective service ................................................ 99 92 99 83 87

Sales and office ....................................................... 99 90 99 84 84

Office and administrative support ........................ 99 90 99 84 84

Natural resources, construction, and maintenance 97 92 99 84 91

Production, transportation, and material moving ..... 93 88 94 – 84

Full time ................................................................... 99 91 99 85 87

Part time .................................................................. 100 91 100 92 89

Union ....................................................................... 99 90 99 84 84

Nonunion ................................................................. 98 94 99 88 93

Average wage within the following categories:1

Lowest 25 percent ............................................... 99 92 99 87 88

Lowest 10 percent ........................................... 100 94 100 84 88

Second 25 percent ............................................... 99 92 99 85 88

Third 25 percent ................................................... 98 90 98 84 86

Highest 25 percent ............................................... 99 91 99 85 86

Highest 10 percent ........................................... 99 89 100 85 83

Establishment characteristic

Service-providing industries ..................................... 99 91 99 85 87

Education and health services ............................. 99 91 100 86 87

Educational services ........................................ 99 90 99 86 87

Elementary and secondary schools ............. 99 89 99 84 86

Junior colleges, colleges, and universities ... 100 93 100 92 90

Health care and social assistance ................... 100 97 100 88 87

Hospitals ...................................................... 100 95 100 84 81

Public administration ............................................ 99 92 99 86 87

1 to 99 workers ........................................................ 100 97 100 96 97

1 to 49 workers .................................................... 100 100 100 100 100

50 to 99 workers .................................................. 100 94 100 92 94

100 workers or more ................................................ 99 91 99 84 86

100 to 499 workers .............................................. 99 93 99 89 92

500 workers or more ............................................ 99 90 99 84 85

State government .................................................... 100 99 100 98 99

Local government .................................................... 98 88 99 80 82

See footnotes at end of table.
Table 23. Health maintenance organizations: Coverage for mental health care and substance abuse

treatment, state and local government workers, National Compensation Survey, 2011—Continued

(All workers participating in health maintenance organizations = 100 percent)

Characteristics

Inpatient

mental health

care

Outpatient

mental health

care

Inpatient

substance abuse

detoxification

Inpatient

substance abuse

rehabilitation

Outpatient

substance abuse

 rehabilitation

Geographic area

New England ........................................................... 96 97 97 94 96

Middle Atlantic ......................................................... 99 – 100 94 –

East North Central ................................................... 100 97 100 97 97

West North Central .................................................. 95 95 95 95 95

South Atlantic ........................................................... 98 91 98 79 88

West South Central .................................................. 95 91 97 90 90

Mountain .................................................................. 99 90 100 86 90

Pacific ...................................................................... 100 95 100 – 85

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, 2010." 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/glossary20102011.htm.
Table 23. Standard errors for health maintenance organizations: Coverage for mental health care

and substance abuse treatment, state and local government workers, National Compensation

Survey, 2011

Characteristics

Inpatient

mental health

care

Outpatient

mental health

care

Inpatient

substance abuse

detoxification

Inpatient

substance abuse

rehabilitation

Outpatient

substance abuse

 rehabilitation

All workers ............................................................... 0.4 0.8 0.3 1.3 1.0

Worker characteristic

Management, professional, and related .................. 0.4 0.9 0.3 1.3 1.1

Professional and related ...................................... 0.3 0.9 0.3 1.5 1.1

Teachers .......................................................... 0.5 1.2 0.4 2.2 1.7

Primary, secondary, and special education

school teachers .......................................... 0.7 1.6 0.5 2.1 1.6

Service ..................................................................... 0.5 1.3 0.5 2.4 1.8

Protective service ................................................ 0.7 1.9 0.7 3.4 2.5

Sales and office ....................................................... 0.5 2.0 0.4 2.1 2.3

Office and administrative support ........................ 0.5 1.7 0.5 2.2 2.1

Natural resources, construction, and maintenance 1.0 2.2 0.5 3.1 2.3

Production, transportation, and material moving ..... 2.5 3.7 2.3 – 4.3

Full time ................................................................... 0.4 0.8 0.3 1.4 1.0

Part time .................................................................. 1 ( ) 1.6 1 ( ) 3.0 2.5

Union ....................................................................... 0.4 0.8 0.3 1.3 1.0

Nonunion ................................................................. 0.8 1.5 0.7 1.9 1.5

Average wage within the following categories:2

Lowest 25 percent ............................................... 0.5 1.5 0.5 2.4 2.1

Lowest 10 percent ........................................... 1 ( ) 1.3 1 ( ) 4.4 4.3

Second 25 percent ............................................... 0.4 1.1 0.4 1.7 1.3

Third 25 percent ................................................... 0.7 1.5 0.6 2.4 1.7

Highest 25 percent ............................................... 0.5 0.9 0.3 1.1 1.0

Highest 10 percent ........................................... 0.3 1.4 0.3 1.8 1.9

Establishment characteristic

Service-providing industries ..................................... 0.4 0.8 0.3 1.3 1.0

Education and health services ............................. 0.4 0.9 0.3 1.5 1.1

Educational services ........................................ 0.5 1.1 0.4 1.7 1.4

Elementary and secondary schools ............. 0.6 1.4 0.5 2.0 1.4

Junior colleges, colleges, and universities ... 1 ( ) 2.7 1 ( ) 3.7 3.5

Health care and social assistance ................... 1 ( ) 0.4 1 ( ) 2.9 2.9

Hospitals ...................................................... 1 ( ) 0.8 1 ( ) 4.2 4.3

Public administration ............................................ 0.5 1.2 0.4 1.8 1.5

1 to 99 workers ........................................................ 1 ( ) 2.8 1 ( ) 2.9 2.8

1 to 49 workers .................................................... 1 ( ) 1 ( ) 1 ( ) 0.5 1 ( )

50 to 99 workers .................................................. 1 ( ) 6.4 1 ( ) 6.6 6.4

100 workers or more ................................................ 0.4 0.9 0.3 1.4 1.1

100 to 499 workers .............................................. 0.9 2.9 0.4 3.0 2.9

500 workers or more ............................................ 0.5 0.8 0.4 1.5 1.1

State government .................................................... 0.5 0.5 0.5 0.9 0.5

Local government .................................................... 0.4 1.1 0.4 1.8 1.2

See footnotes at end of table.
Table 23. Standard errors for health maintenance organizations: Coverage for mental health care

and substance abuse treatment, state and local government workers, National Compensation

Survey, 2011—Continued

Characteristics

Inpatient

mental health

care

Outpatient

mental health

care

Inpatient

substance abuse

detoxification

Inpatient

substance abuse

rehabilitation

Outpatient

substance abuse

 rehabilitation

Geographic area

New England ........................................................... 3.7 2.1 2.4 4.7 2.4

Middle Atlantic ......................................................... 0.5 – 1 ( ) 1.1 –

East North Central ................................................... 0.2 1.4 0.2 0.9 1.4

West North Central .................................................. 2.5 2.5 2.5 2.5 2.5

South Atlantic ........................................................... 0.9 1.9 0.9 4.2 2.5

West South Central .................................................. 3.4 5.3 2.6 5.4 5.4

Mountain .................................................................. 0.7 5.1 1 ( ) 5.8 5.2

Pacific ...................................................................... 0.1 1.5 1 ( ) – 1.7

1 Less than 0.05. 2 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, 2010." 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/glossary20102011.htm.
Table 24. Hospital room and board benefits: Extent of coverage by type of

plan, state and local government workers, National Compensation Survey,

2011

(All workers participating in medical care plans = 100 percent)

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 20 79 – 1

Worker characteristic

Management, professional, and related .................. 20 80 – 2 ( )

Professional and related ...................................... 20 79 – 2 ( )

Teachers .......................................................... 20 79 – 1

Primary, secondary, and special education

school teachers .......................................... 21 78 – 1

Service ..................................................................... 21 78 – 1

Protective service ................................................ 21 78 – 1

Sales and office ....................................................... 21 78 – 1

Office and administrative support ........................ 21 78 – 1

Natural resources, construction, and maintenance 17 82 – 1

Production, transportation, and material moving ..... 26 71 – 2

Full time ................................................................... 20 79 – 1

Part time .................................................................. 25 75 – 2 ( )

Union ....................................................................... 35 65 – 1

Nonunion ................................................................. 6 93 – 1

Average wage within the following categories:3

Lowest 25 percent ............................................... 9 90 – 1

Lowest 10 percent ........................................... 3 94 – 2

Second 25 percent ............................................... 19 80 – 1

Third 25 percent ................................................... 19 80 – 1

Highest 25 percent ............................................... 30 69 – 2 ( )

Highest 10 percent ........................................... 42 58 – 2 ( )

Establishment characteristic

Service-providing industries ..................................... 20 79 – 1

Education and health services ............................. 19 81 – 2 ( )

Educational services ........................................ 19 81 – 2 ( )

Elementary and secondary schools ............. 21 78 – 1

Junior colleges, colleges, and universities ... 12 88 – 2 ( )

Health care and social assistance ................... 22 78 – –

Hospitals ...................................................... 22 78 – –

Public administration ............................................ 22 76 – 2

1 to 99 workers ........................................................ 8 89 – 3

1 to 49 workers .................................................... 7 90 – 3

50 to 99 workers .................................................. – – – –

100 workers or more ................................................ 22 78 – 1

100 to 499 workers .............................................. 20 79 – 1

500 workers or more ............................................ 22 77 – 2 ( )

State government .................................................... 16 84 – 2 ( )

Local government .................................................... 22 77 – 1

See footnotes at end of table.
Table 24. Hospital room and board benefits: Extent of coverage by type of plan, state and local government workers,

National Compensation Survey, 2011—Continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 13 86 – 1 39 61 – 2 ( )

Worker characteristic

Management, professional, and related .................. 13 86 – 1 38 61 – 2 ( )

Professional and related ...................................... 13 86 – 2 ( ) 39 61 – 2 ( )

Teachers .......................................................... 13 86 – 1 41 59 – –

Primary, secondary, and special education

school teachers .......................................... 14 85 – 1 44 56 – –

Service ..................................................................... 14 85 – 1 38 61 – 2 ( )

Protective service ................................................ 13 85 – 2 38 61 – 1

Sales and office ....................................................... 13 86 – 1 41 59 – 2 ( )

Office and administrative support ........................ 13 86 – 1 42 58 – 2 ( )

Natural resources, construction, and maintenance 10 88 – 2 38 62 – 1

Production, transportation, and material moving ..... 19 78 – 3 48 51 – 1

Full time ................................................................... 13 86 – 1 39 61 – 2 ( )

Part time .................................................................. 17 83 – 2 ( ) 43 57 – 2 ( )

Union ....................................................................... 27 73 – 1 48 51 – 2 ( )

Nonunion ................................................................. 3 96 – 1 20 79 – 2 ( )

Average wage within the following categories:3

Lowest 25 percent ............................................... 5 93 – 1 24 76 – –

Lowest 10 percent ........................................... – 95 – 3 – 91 – –

Second 25 percent ............................................... 12 87 – 1 37 63 – 2 ( )

Third 25 percent ................................................... 13 86 – 1 34 65 – 1

Highest 25 percent ............................................... 21 79 – 1 49 51 – 2 ( )

Highest 10 percent ........................................... 33 67 – 2 ( ) 55 45 – 2 ( )

Establishment characteristic

Service-providing industries ..................................... 13 86 – 1 39 61 – 2 ( )

Education and health services ............................. 13 87 – 1 39 61 – –

Educational services ........................................ 12 87 – 1 38 62 – –

Elementary and secondary schools ............. 14 86 – 1 43 57 – –

Junior colleges, colleges, and universities ... 8 92 – 2 ( ) 24 76 – –

Health care and social assistance ................... 15 85 – – 40 60 – –

Hospitals ...................................................... 15 85 – – 40 60 – –

Public administration ............................................ 14 84 – 2 38 61 – 1

1 to 99 workers ........................................................ 5 91 – 4 25 75 – –

1 to 49 workers .................................................... 3 93 – 3 26 74 – –

50 to 99 workers .................................................. – – – – 24 76 – –

100 workers or more ................................................ 14 85 – 1 40 60 – 2 ( )

100 to 499 workers .............................................. 14 85 – 1 47 52 – 1

500 workers or more ............................................ 15 85 – 2 ( ) 39 61 – 2 ( )

State government .................................................... 10 90 – 2 ( ) 30 70 – 2 ( )

Local government .................................................... 14 84 – 1 43 57 – 2 ( )

See footnotes at end of table.
Table 24. Hospital room and board benefits: Extent of coverage by type of

plan, state and local government workers, National Compensation Survey,

2011—Continued

(All workers participating in medical care plans = 100 percent)

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... 37 63 – 1

Middle Atlantic ......................................................... 64 36 – 2 ( )

East North Central ................................................... 15 84 – 1

West North Central .................................................. – 95 – 1

South Atlantic ........................................................... 5 94 – 1

West South Central .................................................. – 99 – 2 ( )

Mountain .................................................................. – 96 – –

Pacific ...................................................................... 37 62 – 1

See footnotes at end of table.
Table 24. Hospital room and board benefits: Extent of coverage by type of plan, state and local government workers,

National Compensation Survey, 2011—Continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... 24 74 – 1 51 49 – –

Middle Atlantic ......................................................... 68 32 – 2 ( ) 52 47 – 2 ( )

East North Central ................................................... 10 88 – 2 31 69 – –

West North Central .................................................. – 99 – 1 – 61 – 5

South Atlantic ........................................................... 3 97 – 1 13 86 – 1

West South Central .................................................. – 99 – 2 ( ) – 98 – –

Mountain .................................................................. – 100 – – – 89 – –

Pacific ...................................................................... – 91 – 1 61 39 – –

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the

participant pay a percentage of costs (coinsurance), or a requirement that the participant

pay a specific amount (deductible or copayment) before reimbursement begins or services

are rendered. 2 Less than 0.5. 3 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, 2010." 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.
Table 24. Standard errors for hospital room and board benefits: Extent of

coverage by type of plan, state and local government workers, National

Compensation Survey, 2011

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 0.7 0.7 – 0.2

Worker characteristic

Management, professional, and related .................. 0.9 0.9 – 0.1

Professional and related ...................................... 0.9 0.9 – 0.1

Teachers .......................................................... 1.2 1.2 – 0.2

Primary, secondary, and special education

school teachers .......................................... 1.3 1.3 – 0.3

Service ..................................................................... 1.2 1.1 – 0.4

Protective service ................................................ 1.7 1.6 – 0.5

Sales and office ....................................................... 1.5 1.5 – 0.4

Office and administrative support ........................ 1.4 1.4 – 0.4

Natural resources, construction, and maintenance 1.7 1.8 – 0.6

Production, transportation, and material moving ..... 2.9 2.9 – 1.1

Full time ................................................................... 0.7 0.7 – 0.2

Part time .................................................................. 2.8 2.8 – 2 ( )

Union ....................................................................... 1.2 1.2 – 0.2

Nonunion ................................................................. 0.5 0.6 – 0.4

Average wage within the following categories:3

Lowest 25 percent ............................................... 0.8 0.9 – 0.6

Lowest 10 percent ........................................... 1.0 1.4 – 1.3

Second 25 percent ............................................... 1.1 1.0 – 0.3

Third 25 percent ................................................... 1.1 1.1 – 0.3

Highest 25 percent ............................................... 1.3 1.3 – 0.2

Highest 10 percent ........................................... 2.0 2.0 – 0.1

Establishment characteristic

Service-providing industries ..................................... 0.7 0.7 – 0.2

Education and health services ............................. 0.9 0.9 – 0.2

Educational services ........................................ 0.9 1.0 – 0.2

Elementary and secondary schools ............. 1.0 1.1 – 0.2

Junior colleges, colleges, and universities ... 1.4 1.4 – 0.3

Health care and social assistance ................... 2.5 2.5 – –

Hospitals ...................................................... 3.0 3.0 – –

Public administration ............................................ 1.2 1.2 – 0.6

1 to 99 workers ........................................................ 1.2 1.5 – 1.1

1 to 49 workers .................................................... 1.4 2.0 – 1.6

50 to 99 workers .................................................. – – – –

100 workers or more ................................................ 0.8 0.8 – 0.2

100 to 499 workers .............................................. 1.9 1.9 – 0.5

500 workers or more ............................................ 1.0 1.0 – 0.1

State government .................................................... 1.3 1.3 – 0.1

Local government .................................................... 0.8 0.8 – 0.3

See footnotes at end of table.
Table 24. Standard errors for hospital room and board benefits: Extent of coverage by type of plan, state and local

government workers, National Compensation Survey, 2011—Continued

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 0.7 0.7 – 0.3 1.5 1.5 – 0.2

Worker characteristic

Management, professional, and related .................. 0.8 0.8 – 0.2 1.8 1.8 – 0.1

Professional and related ...................................... 0.9 0.9 – 0.2 1.7 1.7 – 0.1

Teachers .......................................................... 1.3 1.3 – 0.3 2.1 2.1 – –

Primary, secondary, and special education

school teachers .......................................... 1.4 1.4 – 0.3 2.4 2.4 – –

Service ..................................................................... 1.0 1.0 – 0.5 2.7 2.7 – 0.4

Protective service ................................................ 1.7 1.8 – 0.7 4.0 4.0 – 0.7

Sales and office ....................................................... 1.6 1.6 – 0.5 2.8 2.8 – 0.2

Office and administrative support ........................ 1.3 1.3 – 0.5 2.9 2.8 – 0.2

Natural resources, construction, and maintenance 1.8 1.9 – 0.7 4.1 4.0 – 0.5

Production, transportation, and material moving ..... 3.1 3.2 – 1.4 6.0 6.1 – 1.0

Full time ................................................................... 0.7 0.7 – 0.3 1.5 1.5 – 0.2

Part time .................................................................. 2.9 2.9 – 0.1 4.1 4.1 – 2 ( )

Union ....................................................................... 1.3 1.4 – 0.3 1.7 1.6 – 0.1

Nonunion ................................................................. 0.4 0.6 – 0.4 1.8 1.8 – 0.5

Average wage within the following categories:3

Lowest 25 percent ............................................... 0.7 0.8 – 0.7 2.7 2.7 – –

Lowest 10 percent ........................................... – 1.6 – 1.6 – 3.2 – –

Second 25 percent ............................................... 0.9 1.0 – 0.5 2.4 2.4 – 0.3

Third 25 percent ................................................... 1.2 1.3 – 0.3 2.2 2.2 – 0.5

Highest 25 percent ............................................... 1.3 1.4 – 0.2 1.7 1.7 – 2 ( )

Highest 10 percent ........................................... 2.4 2.4 – 0.2 2.3 2.3 – 2 ( )

Establishment characteristic

Service-providing industries ..................................... 0.7 0.7 – 0.3 1.5 1.5 – 0.2

Education and health services ............................. 0.9 0.9 – 0.2 1.8 1.8 – –

Educational services ........................................ 0.9 0.9 – 0.2 1.8 1.8 – –

Elementary and secondary schools ............. 1.1 1.1 – 0.3 2.0 2.0 – –

Junior colleges, colleges, and universities ... 1.0 1.1 – 0.4 3.2 3.2 – –

Health care and social assistance ................... 2.5 2.5 – – 5.2 5.2 – –

Hospitals ...................................................... 3.0 3.0 – – 7.2 7.2 – –

Public administration ............................................ 1.1 1.3 – 0.8 2.7 2.7 – 0.4

1 to 99 workers ........................................................ 0.9 1.6 – 1.3 4.8 4.8 – –

1 to 49 workers .................................................... 1.0 2.1 – 1.9 7.0 7.0 – –

50 to 99 workers .................................................. – – – – 5.7 5.7 – –

100 workers or more ................................................ 0.8 0.8 – 0.2 1.7 1.7 – 0.2

100 to 499 workers .............................................. 1.9 1.9 – 0.6 5.0 5.0 – 0.4

500 workers or more ............................................ 0.9 0.9 – 0.1 1.8 1.8 – 0.2

State government .................................................... 1.0 1.0 – 0.2 3.4 3.4 – 2 ( )

Local government .................................................... 0.9 0.9 – 0.4 1.4 1.4 – 0.2

See footnotes at end of table.
Table 24. Standard errors for hospital room and board benefits: Extent of

coverage by type of plan, state and local government workers, National

Compensation Survey, 2011—Continued

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... 4.5 3.7 – 0.8

Middle Atlantic ......................................................... 3.4 3.3 – 0.1

East North Central ................................................... 1.8 2.0 – 0.7

West North Central .................................................. – 2.3 – 0.5

South Atlantic ........................................................... 0.8 0.8 – 0.4

West South Central .................................................. – 0.5 – 0.4

Mountain .................................................................. – 2.0 – –

Pacific ...................................................................... 2.3 2.3 – 0.4

See footnotes at end of table.
Table 24. Standard errors for hospital room and board benefits: Extent of coverage by type of plan, state and local

government workers, National Compensation Survey, 2011—Continued

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... 5.4 4.2 – 1.4 6.2 6.2 – –

Middle Atlantic ......................................................... 4.7 4.6 – 0.1 2.5 2.5 – 2 ( )

East North Central ................................................... 1.9 2.1 – 0.9 4.5 4.5 – –

West North Central .................................................. – 0.5 – 0.5 – 11.5 – 2.5

South Atlantic ........................................................... 0.5 0.6 – 0.4 2.3 2.2 – 0.8

West South Central .................................................. – 0.5 – 0.4 – 1.7 – –

Mountain .................................................................. – 0.3 – – – 6.7 – –

Pacific ...................................................................... – 2.9 – 0.9 1.9 1.9 – –

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the

participant pay a percentage of costs (coinsurance), or a requirement that the participant

pay a specific amount (deductible or copayment) before reimbursement begins or services

are rendered. 2 Less than 0.05. 3 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, 2010." 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/glossary20102011.htm.
Table 25. Inpatient surgery benefits: Extent of coverage by type of plan, state

and local government workers, National Compensation Survey, 2011

(All workers participating in medical care plans = 100 percent)

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 22 76 – 2

Worker characteristic

Management, professional, and related .................. 22 77 – 1

Professional and related ...................................... 21 77 – 1

Teachers .......................................................... 21 78 – 1

Primary, secondary, and special education

school teachers .......................................... 21 78 – 1

Service ..................................................................... 22 76 – 2

Protective service ................................................ 25 73 – 2

Sales and office ....................................................... 23 75 – 2

Office and administrative support ........................ 24 74 – 2

Natural resources, construction, and maintenance 21 77 – 2

Production, transportation, and material moving ..... 27 70 – 3

Full time ................................................................... 22 76 – 2

Part time .................................................................. 25 74 – 2 ( )

Union ....................................................................... 34 65 – 2

Nonunion ................................................................. 11 87 – 1

Average wage within the following categories:3

Lowest 25 percent ............................................... 12 86 – 2

Lowest 10 percent ........................................... 9 89 – 2

Second 25 percent ............................................... 22 77 – 1

Third 25 percent ................................................... 22 77 – 1

Highest 25 percent ............................................... 30 68 – 2

Highest 10 percent ........................................... 39 59 – 1

Establishment characteristic

Service-providing industries ..................................... 22 76 – 2

Education and health services ............................. 20 78 – 1

Educational services ........................................ 20 79 – 1

Elementary and secondary schools ............. 21 78 – 1

Junior colleges, colleges, and universities ... 17 82 – 1

Health care and social assistance ................... 22 77 – 1

Hospitals ...................................................... 22 77 – 1

Public administration ............................................ 25 73 – 2

1 to 99 workers ........................................................ 11 86 – 3

1 to 49 workers .................................................... 12 85 – 3

50 to 99 workers .................................................. – – – –

100 workers or more ................................................ 24 75 – 1

100 to 499 workers .............................................. 23 76 – 1

500 workers or more ............................................ 24 75 – 1

State government .................................................... 22 77 – 1

Local government .................................................... 22 76 – 2

See footnotes at end of table.
Table 25. Inpatient surgery benefits: Extent of coverage by type of plan, state and local government workers, National

Compensation Survey, 2011—Continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 12 86 – 1 48 50 – 2

Worker characteristic

Management, professional, and related .................. 12 87 – 1 48 50 – 2

Professional and related ...................................... 12 87 – 1 48 51 – 2

Teachers .......................................................... 11 87 – 1 48 51 – 1

Primary, secondary, and special education

school teachers .......................................... 12 86 – 2 50 49 – 1

Service ..................................................................... 12 86 – 2 48 51 – 1

Protective service ................................................ 13 85 – 2 51 48 – 1

Sales and office ....................................................... 12 86 – 2 48 49 – 3

Office and administrative support ........................ 13 86 – 2 50 47 – 3

Natural resources, construction, and maintenance 13 86 – 2 47 51 – 2

Production, transportation, and material moving ..... 17 79 – 3 56 42 – 2

Full time ................................................................... 13 86 – 1 48 50 – 2

Part time .................................................................. 11 89 – 1 57 43 – 2 ( )

Union ....................................................................... 21 78 – 1 55 43 – 3

Nonunion ................................................................. 6 93 – 2 35 64 – 1

Average wage within the following categories:3

Lowest 25 percent ............................................... 6 92 – 2 38 61 – 2

Lowest 10 percent ........................................... 6 92 – 3 25 75 – –

Second 25 percent ............................................... 12 87 – 1 48 50 – 2

Third 25 percent ................................................... 14 85 – 1 43 55 – 3

Highest 25 percent ............................................... 17 81 – 1 55 43 – 2

Highest 10 percent ........................................... 25 74 – 1 59 38 – 2

Establishment characteristic

Service-providing industries ..................................... 12 86 – 1 48 50 – 2

Education and health services ............................. 12 87 – 1 47 51 – 1

Educational services ........................................ 11 88 – 1 48 51 – 1

Elementary and secondary schools ............. 11 87 – 2 51 48 – 1

Junior colleges, colleges, and universities ... 9 90 – 2 ( ) 40 58 – 2

Health care and social assistance ................... 15 85 – 2 ( ) 44 54 – 2

Hospitals ...................................................... 14 85 – 2 ( ) 44 53 – 3

Public administration ............................................ 13 85 – 2 49 48 – 3

1 to 99 workers ........................................................ – 90 – 4 30 70 – 1

1 to 49 workers .................................................... – 89 – 3 32 66 – 1

50 to 99 workers .................................................. – – – – 26 74 – –

100 workers or more ................................................ 13 86 – 1 50 48 – 2

100 to 499 workers .............................................. 15 83 – 1 55 43 – 2

500 workers or more ............................................ 12 87 – 1 48 49 – 2

State government .................................................... 14 86 – 2 ( ) 44 53 – 3

Local government .................................................... 12 86 – 2 50 49 – 2

See footnotes at end of table.
Table 25. Inpatient surgery benefits: Extent of coverage by type of plan, state

and local government workers, National Compensation Survey,

2011—Continued

(All workers participating in medical care plans = 100 percent)

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... 40 59 – 1

Middle Atlantic ......................................................... 47 50 – 3

East North Central ................................................... 17 81 – 2

West North Central .................................................. – 92 – 1

South Atlantic ........................................................... 16 84 – 1

West South Central .................................................. – 98 – 1

Mountain .................................................................. 19 81 – –

Pacific ...................................................................... 42 57 – 1

See footnotes at end of table.
Table 25. Inpatient surgery benefits: Extent of coverage by type of plan, state and local government workers, National

Compensation Survey, 2011—Continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... 30 69 – 1 51 47 – 1

Middle Atlantic ......................................................... 45 54 – 1 51 39 – 10

East North Central ................................................... 12 85 – 2 33 67 – 2 ( )

West North Central .................................................. – 96 – 1 – 61 – 5

South Atlantic ........................................................... 5 95 – 1 45 55 – 1

West South Central .................................................. – 98 – 1 – 97 – –

Mountain .................................................................. 20 80 – – – 84 – –

Pacific ...................................................................... – 90 – 2 69 30 – 2 ( )

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the

participant pay a percentage of costs (coinsurance), or a requirement that the participant

pay a specific amount (deductible or copayment) before reimbursement begins or services

are rendered. 2 Less than 0.5. 3 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, 2010." 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.
Table 25. Standard errors for inpatient surgery benefits: Extent of coverage by

type of plan, state and local government workers, National Compensation

Survey, 2011

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 0.9 0.9 – 0.2

Worker characteristic

Management, professional, and related .................. 1.0 1.0 – 0.2

Professional and related ...................................... 1.0 1.0 – 0.2

Teachers .......................................................... 1.2 1.3 – 0.3

Primary, secondary, and special education

school teachers .......................................... 1.3 1.4 – 0.4

Service ..................................................................... 1.4 1.3 – 0.4

Protective service ................................................ 1.9 1.9 – 0.5

Sales and office ....................................................... 1.7 1.6 – 0.4

Office and administrative support ........................ 1.7 1.7 – 0.5

Natural resources, construction, and maintenance 2.2 2.2 – 0.6

Production, transportation, and material moving ..... 3.1 3.2 – 1.1

Full time ................................................................... 0.9 0.9 – 0.3

Part time .................................................................. 3.1 3.1 – 0.3

Union ....................................................................... 1.2 1.2 – 0.2

Nonunion ................................................................. 1.0 1.0 – 0.4

Average wage within the following categories:3

Lowest 25 percent ............................................... 1.2 1.2 – 0.6

Lowest 10 percent ........................................... 1.9 1.7 – 1.3

Second 25 percent ............................................... 1.3 1.2 – 0.3

Third 25 percent ................................................... 1.3 1.4 – 0.3

Highest 25 percent ............................................... 1.2 1.2 – 0.3

Highest 10 percent ........................................... 1.9 1.9 – 0.2

Establishment characteristic

Service-providing industries ..................................... 0.9 0.9 – 0.2

Education and health services ............................. 1.0 1.1 – 0.2

Educational services ........................................ 1.1 1.1 – 0.3

Elementary and secondary schools ............. 1.1 1.1 – 0.4

Junior colleges, colleges, and universities ... 2.3 2.4 – 0.4

Health care and social assistance ................... 2.7 2.7 – 0.1

Hospitals ...................................................... 3.5 3.5 – 0.2

Public administration ............................................ 1.3 1.4 – 0.6

1 to 99 workers ........................................................ 1.8 2.1 – 1.1

1 to 49 workers .................................................... 3.1 3.6 – 1.6

50 to 99 workers .................................................. – – – –

100 workers or more ................................................ 0.9 0.9 – 0.2

100 to 499 workers .............................................. 2.0 1.9 – 0.5

500 workers or more ............................................ 1.0 1.0 – 0.2

State government .................................................... 1.6 1.6 – 0.2

Local government .................................................... 0.9 1.0 – 0.3

See footnotes at end of table.
Table 25. Standard errors for inpatient surgery benefits: Extent of coverage by type of plan, state and local

government workers, National Compensation Survey, 2011—Continued

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 0.8 0.8 – 0.3 1.7 1.7 – 0.2

Worker characteristic

Management, professional, and related .................. 0.9 0.9 – 0.3 1.9 1.9 – 0.2

Professional and related ...................................... 0.9 1.0 – 0.3 1.9 1.9 – 0.2

Teachers .......................................................... 1.3 1.3 – 0.4 2.2 2.2 – 0.2

Primary, secondary, and special education

school teachers .......................................... 1.4 1.5 – 0.5 2.5 2.5 – 0.2

Service ..................................................................... 1.1 1.1 – 0.5 2.6 2.7 – 0.4

Protective service ................................................ 1.7 1.8 – 0.7 4.2 4.2 – 0.7

Sales and office ....................................................... 1.5 1.5 – 0.5 3.2 3.1 – 0.8

Office and administrative support ........................ 1.6 1.6 – 0.6 3.0 3.0 – 0.8

Natural resources, construction, and maintenance 2.5 2.6 – 0.7 4.6 4.6 – 0.8

Production, transportation, and material moving ..... 3.1 3.2 – 1.4 6.7 6.6 – 1.4

Full time ................................................................... 0.8 0.8 – 0.3 1.7 1.7 – 0.3

Part time .................................................................. 2.5 2.5 – 0.4 4.3 4.3 – 2 ( )

Union ....................................................................... 1.5 1.5 – 0.3 1.7 1.7 – 0.3

Nonunion ................................................................. 0.7 0.8 – 0.5 3.4 3.4 – 0.5

Average wage within the following categories:3

Lowest 25 percent ............................................... 1.2 1.3 – 0.8 3.3 3.3 – 0.7

Lowest 10 percent ........................................... 1.7 1.8 – 1.6 5.6 5.6 – –

Second 25 percent ............................................... 1.0 1.1 – 0.5 2.4 2.3 – 0.4

Third 25 percent ................................................... 1.3 1.3 – 0.3 3.0 3.1 – 0.5

Highest 25 percent ............................................... 1.3 1.4 – 0.4 1.7 1.7 – 0.2

Highest 10 percent ........................................... 2.5 2.5 – 0.3 2.3 2.3 – 0.4

Establishment characteristic

Service-providing industries ..................................... 0.8 0.8 – 0.3 1.7 1.7 – 0.2

Education and health services ............................. 1.0 1.0 – 0.3 1.9 1.9 – 0.2

Educational services ........................................ 1.0 1.1 – 0.4 1.8 1.9 – 0.3

Elementary and secondary schools ............. 1.1 1.2 – 0.5 2.1 2.1 – 0.2

Junior colleges, colleges, and universities ... 2.1 2.1 – 0.4 3.2 3.2 – 0.9

Health care and social assistance ................... 3.1 3.1 – 2 ( ) 5.2 5.2 – 0.5

Hospitals ...................................................... 4.1 4.1 – 2 ( ) 7.1 7.2 – 0.8

Public administration ............................................ 1.3 1.5 – 0.8 3.0 3.0 – 0.7

1 to 99 workers ........................................................ – 2.5 – 1.3 4.5 4.6 – 0.3

1 to 49 workers .................................................... – 4.3 – 1.9 5.8 6.0 – 0.5

50 to 99 workers .................................................. – – – – 5.8 5.8 – –

100 workers or more ................................................ 0.9 0.9 – 0.3 1.7 1.7 – 0.3

100 to 499 workers .............................................. 2.0 2.0 – 0.6 5.0 4.9 – 0.8

500 workers or more ............................................ 0.9 1.0 – 0.3 1.9 1.9 – 0.3

State government .................................................... 1.4 1.4 – 0.2 3.5 3.6 – 0.3

Local government .................................................... 0.9 1.0 – 0.5 1.8 1.8 – 0.3

See footnotes at end of table.
Table 25. Standard errors for inpatient surgery benefits: Extent of coverage by

type of plan, state and local government workers, National Compensation

Survey, 2011—Continued

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... 5.4 4.8 – 0.7

Middle Atlantic ......................................................... 2.8 2.8 – 0.2

East North Central ................................................... 1.8 2.1 – 0.8

West North Central .................................................. – 2.3 – 0.5

South Atlantic ........................................................... 2.5 2.5 – 0.4

West South Central .................................................. – 1.0 – 0.9

Mountain .................................................................. 4.0 4.0 – –

Pacific ...................................................................... 2.6 2.8 – 0.5

See footnotes at end of table.
Table 25. Standard errors for inpatient surgery benefits: Extent of coverage by type of plan, state and local

government workers, National Compensation Survey, 2011—Continued

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... 7.6 6.6 – 1.4 6.8 6.9 – 0.9

Middle Atlantic ......................................................... 4.1 4.0 – 0.1 2.3 2.5 – 0.6

East North Central ................................................... 2.0 2.4 – 1.1 4.7 4.7 – 0.1

West North Central .................................................. – 1.2 – 0.5 – 11.5 – 2.5

South Atlantic ........................................................... 0.7 0.8 – 0.4 6.3 6.2 – 0.8

West South Central .................................................. – 1.1 – 1.0 – 1.8 – –

Mountain .................................................................. 4.7 4.7 – – – 6.7 – –

Pacific ...................................................................... – 2.9 – 1.0 2.3 2.3 – 0.5

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the

participant pay a percentage of costs (coinsurance), or a requirement that the participant

pay a specific amount (deductible or copayment) before reimbursement begins or services

are rendered. 2 Less than 0.05. 3 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, 2010." 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/glossary20102011.htm.
Table 26. Outpatient surgery benefits: Extent of coverage by type of plan,

state and local government workers, National Compensation Survey, 2011

(All workers participating in medical care plans = 100 percent)

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 14 85 – 2

Worker characteristic

Management, professional, and related .................. 13 85 – 1

Professional and related ...................................... 13 85 – 1

Teachers .......................................................... 14 85 – 1

Primary, secondary, and special education

school teachers .......................................... 14 84 – 1

Service ..................................................................... 14 84 – 2

Protective service ................................................ 16 82 – 2

Sales and office ....................................................... 14 84 – 2

Office and administrative support ........................ 15 83 – 2

Natural resources, construction, and maintenance 11 87 – 2

Production, transportation, and material moving ..... 18 79 – 3

Full time ................................................................... 14 85 – 2

Part time .................................................................. 15 85 – 1

Union ....................................................................... 20 78 – 2

Nonunion ................................................................. 7 91 – 1

Average wage within the following categories:3

Lowest 25 percent ............................................... 8 90 – 2

Lowest 10 percent ........................................... 6 92 – 2

Second 25 percent ............................................... 14 85 – 1

Third 25 percent ................................................... 13 86 – 1

Highest 25 percent ............................................... 19 80 – 2

Highest 10 percent ........................................... 24 75 – 1

Establishment characteristic

Service-providing industries ..................................... 14 85 – 2

Education and health services ............................. 13 86 – 1

Educational services ........................................ 13 86 – 1

Elementary and secondary schools ............. 14 85 – 1

Junior colleges, colleges, and universities ... 10 89 – 1

Health care and social assistance ................... 13 86 – 1

Hospitals ...................................................... 14 85 – 1

Public administration ............................................ 15 83 – 2

1 to 99 workers ........................................................ 5 92 – 3

1 to 49 workers .................................................... 6 91 – 3

50 to 99 workers .................................................. – – – –

100 workers or more ................................................ 15 84 – 1

100 to 499 workers .............................................. 17 82 – 1

500 workers or more ............................................ 14 84 – 1

State government .................................................... 11 88 – 1

Local government .................................................... 15 84 – 2

See footnotes at end of table.
Table 26. Outpatient surgery benefits: Extent of coverage by type of plan, state and local government workers,

National Compensation Survey, 2011—Continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 9 90 – 1 27 71 – 2

Worker characteristic

Management, professional, and related .................. 9 90 – 1 26 72 – 2

Professional and related ...................................... 9 90 – 1 26 72 – 2

Teachers .......................................................... 9 90 – 1 28 72 – 1

Primary, secondary, and special education

school teachers .......................................... 10 88 – 2 27 72 – 1

Service ..................................................................... 8 90 – 2 28 70 – 1

Protective service ................................................ 10 89 – 2 30 69 – 1

Sales and office ....................................................... 9 90 – 2 28 69 – 3

Office and administrative support ........................ 9 89 – 2 29 68 – 3

Natural resources, construction, and maintenance 6 92 – 2 27 71 – 2

Production, transportation, and material moving ..... 12 85 – 3 38 60 – 2

Full time ................................................................... 9 90 – 1 27 71 – 2

Part time .................................................................. 9 90 – 1 27 73 – 2 ( )

Union ....................................................................... 15 83 – 1 29 68 – 3

Nonunion ................................................................. 4 95 – 2 23 76 – 1

Average wage within the following categories:3

Lowest 25 percent ............................................... 4 94 – 2 25 73 – 2

Lowest 10 percent ........................................... – 94 – 3 19 81 – 2 ( )

Second 25 percent ............................................... 8 90 – 1 29 70 – 2

Third 25 percent ................................................... 9 90 – 1 23 74 – 3

Highest 25 percent ............................................... 13 86 – 1 30 68 – 2

Highest 10 percent ........................................... 18 81 – 1 33 65 – 2

Establishment characteristic

Service-providing industries ..................................... 9 90 – 1 27 71 – 2

Education and health services ............................. 9 90 – 1 27 72 – 1

Educational services ........................................ 8 90 – 1 27 71 – 1

Elementary and secondary schools ............. 10 89 – 2 27 72 – 1

Junior colleges, colleges, and universities ... 4 96 – 2 ( ) 29 69 – 2

Health care and social assistance ................... 11 89 – 2 ( ) 21 77 – 2

Hospitals ...................................................... – 90 – 2 ( ) 29 68 – 3

Public administration ............................................ 9 89 – 2 28 69 – 3

1 to 99 workers ........................................................ 4 93 – 4 10 89 – 1

1 to 49 workers .................................................... 5 92 – 3 – 87 – 1

50 to 99 workers .................................................. – – – – 8 92 – –

100 workers or more ................................................ 9 89 – 1 28 70 – 2

100 to 499 workers .............................................. 12 86 – 1 35 63 – 2

500 workers or more ............................................ 8 91 – 1 27 71 – 2

State government .................................................... 7 93 – 2 ( ) 22 75 – 3

Local government .................................................... 9 89 – 2 29 69 – 2

See footnotes at end of table.
Table 26. Outpatient surgery benefits: Extent of coverage by type of plan,

state and local government workers, National Compensation Survey,

2011—Continued

(All workers participating in medical care plans = 100 percent)

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... 32 66 – 1

Middle Atlantic ......................................................... 34 63 – 3

East North Central ................................................... 15 83 – 2

West North Central .................................................. – 92 – 1

South Atlantic ........................................................... 10 90 – 1

West South Central .................................................. – 98 – 1

Mountain .................................................................. 6 94 – –

Pacific ...................................................................... 15 84 – 1

See footnotes at end of table.
Table 26. Outpatient surgery benefits: Extent of coverage by type of plan, state and local government workers,

National Compensation Survey, 2011—Continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... 22 76 – 1 44 54 – 1

Middle Atlantic ......................................................... 31 69 – 1 42 48 – 9

East North Central ................................................... 11 87 – 2 30 70 – 2 ( )

West North Central .................................................. – 96 – 1 – 61 – 5

South Atlantic ........................................................... 4 96 – 1 26 73 – 1

West South Central .................................................. – 98 – 1 – 99 – –

Mountain .................................................................. – 95 – – – 90 – –

Pacific ...................................................................... – 92 – 2 22 77 – 2 ( )

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the

participant pay a percentage of costs (coinsurance), or a requirement that the participant

pay a specific amount (deductible or copayment) before reimbursement begins or services

are rendered. 2 Less than 0.5. 3 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, 2010." 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.
Table 26. Standard errors for outpatient surgery benefits: Extent of coverage

by type of plan, state and local government workers, National Compensation

Survey, 2011

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 0.7 0.7 – 0.2

Worker characteristic

Management, professional, and related .................. 0.8 0.8 – 0.2

Professional and related ...................................... 0.8 0.8 – 0.2

Teachers .......................................................... 1.0 1.1 – 0.3

Primary, secondary, and special education

school teachers .......................................... 1.2 1.2 – 0.4

Service ..................................................................... 1.0 1.0 – 0.4

Protective service ................................................ 1.6 1.7 – 0.5

Sales and office ....................................................... 1.4 1.5 – 0.4

Office and administrative support ........................ 1.5 1.5 – 0.5

Natural resources, construction, and maintenance 1.4 1.5 – 0.6

Production, transportation, and material moving ..... 2.7 2.7 – 1.1

Full time ................................................................... 0.7 0.7 – 0.3

Part time .................................................................. 2.6 2.6 – 0.3

Union ....................................................................... 1.0 1.0 – 0.2

Nonunion ................................................................. 0.8 0.8 – 0.4

Average wage within the following categories:2

Lowest 25 percent ............................................... 0.9 1.0 – 0.6

Lowest 10 percent ........................................... 1.4 1.5 – 1.3

Second 25 percent ............................................... 1.1 1.1 – 0.3

Third 25 percent ................................................... 1.0 1.0 – 0.3

Highest 25 percent ............................................... 0.9 1.0 – 0.3

Highest 10 percent ........................................... 1.4 1.4 – 0.2

Establishment characteristic

Service-providing industries ..................................... 0.7 0.7 – 0.2

Education and health services ............................. 0.8 0.9 – 0.2

Educational services ........................................ 0.9 0.9 – 0.3

Elementary and secondary schools ............. 1.0 1.0 – 0.4

Junior colleges, colleges, and universities ... 1.6 1.6 – 0.4

Health care and social assistance ................... 2.4 2.4 – 0.1

Hospitals ...................................................... 3.0 3.0 – 0.2

Public administration ............................................ 1.2 1.2 – 0.6

1 to 99 workers ........................................................ 0.6 1.2 – 1.1

1 to 49 workers .................................................... 0.8 1.6 – 1.6

50 to 99 workers .................................................. – – – –

100 workers or more ................................................ 0.7 0.7 – 0.2

100 to 499 workers .............................................. 1.9 1.8 – 0.5

500 workers or more ............................................ 0.7 0.7 – 0.2

State government .................................................... 1.3 1.3 – 0.2

Local government .................................................... 0.8 0.8 – 0.3

See footnotes at end of table.
Table 26. Standard errors for outpatient surgery benefits: Extent of coverage by type of plan, state and local

government workers, National Compensation Survey, 2011—Continued

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 0.7 0.7 – 0.3 1.2 1.2 – 0.2

Worker characteristic

Management, professional, and related .................. 0.8 0.8 – 0.3 1.3 1.3 – 0.2

Professional and related ...................................... 0.8 0.9 – 0.3 1.3 1.4 – 0.2

Teachers .......................................................... 1.2 1.2 – 0.4 1.8 1.9 – 0.2

Primary, secondary, and special education

school teachers .......................................... 1.3 1.4 – 0.5 2.2 2.2 – 0.2

Service ..................................................................... 0.9 1.0 – 0.5 2.2 2.2 – 0.4

Protective service ................................................ 1.5 1.6 – 0.7 3.6 3.7 – 0.7

Sales and office ....................................................... 1.2 1.2 – 0.5 3.1 3.0 – 0.8

Office and administrative support ........................ 1.2 1.3 – 0.6 3.1 3.1 – 0.8

Natural resources, construction, and maintenance 1.5 1.6 – 0.7 3.3 3.4 – 0.8

Production, transportation, and material moving ..... 2.9 2.9 – 1.4 5.4 5.3 – 1.4

Full time ................................................................... 0.7 0.7 – 0.3 1.2 1.2 – 0.3

Part time .................................................................. 2.5 2.5 – 0.4 4.9 4.9 – 0.1

Union ....................................................................... 1.2 1.2 – 0.3 1.5 1.5 – 0.3

Nonunion ................................................................. 0.6 0.7 – 0.5 2.7 2.6 – 0.5

Average wage within the following categories:2

Lowest 25 percent ............................................... 0.7 0.9 – 0.8 3.3 3.2 – 0.7

Lowest 10 percent ........................................... – 1.6 – 1.6 5.0 5.0 – 3 ( )

Second 25 percent ............................................... 0.9 1.0 – 0.5 2.3 2.3 – 0.4

Third 25 percent ................................................... 1.1 1.2 – 0.3 1.6 1.7 – 0.5

Highest 25 percent ............................................... 1.1 1.2 – 0.4 1.2 1.3 – 0.2

Highest 10 percent ........................................... 2.2 2.3 – 0.3 1.6 1.6 – 0.4

Establishment characteristic

Service-providing industries ..................................... 0.7 0.7 – 0.3 1.2 1.2 – 0.2

Education and health services ............................. 0.8 0.9 – 0.3 1.7 1.7 – 0.2

Educational services ........................................ 0.9 0.9 – 0.4 1.7 1.8 – 0.3

Elementary and secondary schools ............. 1.0 1.1 – 0.5 2.1 2.1 – 0.2

Junior colleges, colleges, and universities ... 1.1 1.2 – 0.4 2.9 3.0 – 0.9

Health care and social assistance ................... 3.0 3.0 – 3 ( ) 4.1 4.0 – 0.5

Hospitals ...................................................... – 3.9 – 3 ( ) 5.5 5.5 – 0.8

Public administration ............................................ 1.2 1.4 – 0.8 2.7 2.7 – 0.7

1 to 99 workers ........................................................ 0.6 1.5 – 1.3 2.7 2.8 – 0.3

1 to 49 workers .................................................... 0.6 2.1 – 1.9 – 4.4 – 0.5

50 to 99 workers .................................................. – – – – 2.0 2.0 – –

100 workers or more ................................................ 0.8 0.8 – 0.3 1.3 1.3 – 0.3

100 to 499 workers .............................................. 2.0 1.9 – 0.6 5.0 4.8 – 0.8

500 workers or more ............................................ 0.8 0.8 – 0.3 1.3 1.3 – 0.3

State government .................................................... 0.9 0.9 – 0.2 3.5 3.4 – 0.3

Local government .................................................... 0.9 0.9 – 0.5 1.3 1.3 – 0.3

See footnotes at end of table.
Table 26. Standard errors for outpatient surgery benefits: Extent of coverage

by type of plan, state and local government workers, National Compensation

Survey, 2011—Continued

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... 4.3 3.8 – 0.7

Middle Atlantic ......................................................... 2.7 2.7 – 0.2

East North Central ................................................... 1.8 2.0 – 0.8

West North Central .................................................. – 2.3 – 0.5

South Atlantic ........................................................... 1.4 1.4 – 0.4

West South Central .................................................. – 0.9 – 0.9

Mountain .................................................................. 1.2 1.2 – –

Pacific ...................................................................... 1.7 1.9 – 0.5

See footnotes at end of table.
Table 26. Standard errors for outpatient surgery benefits: Extent of coverage by type of plan, state and local

government workers, National Compensation Survey, 2011—Continued

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... 5.4 4.9 – 1.4 5.4 5.4 – 0.9

Middle Atlantic ......................................................... 3.7 3.6 – 0.1 2.1 2.2 – 0.6

East North Central ................................................... 1.9 2.3 – 1.1 4.5 4.5 – 0.1

West North Central .................................................. – 1.2 – 0.5 – 11.5 – 2.5

South Atlantic ........................................................... 0.5 0.6 – 0.4 4.0 4.0 – 0.8

West South Central .................................................. – 1.1 – 1.0 – 0.6 – –

Mountain .................................................................. – 0.7 – – – 3.5 – –

Pacific ...................................................................... – 2.9 – 1.0 1.6 1.6 – 0.5

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the

participant pay a percentage of costs (coinsurance), or a requirement that the participant

pay a specific amount (deductible or copayment) before reimbursement begins or services

are rendered. 2 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, 2010." See Technical Note for more details. 3 Less than 0.05.

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/glossary20102011.htm.
Table 27. Physician office visit benefits: Extent of coverage by type of plan,

state and local government workers, National Compensation Survey, 2011

(All workers participating in medical care plans = 100 percent)

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 2 98 – 2 ( )

Worker characteristic

Management, professional, and related .................. 2 98 – 2 ( )

Professional and related ...................................... 2 98 – 2 ( )

Teachers .......................................................... 2 98 – 2 ( )

Primary, secondary, and special education

school teachers .......................................... 2 98 – 2 ( )

Service ..................................................................... 2 98 – 2 ( )

Protective service ................................................ 2 98 – –

Sales and office ....................................................... – 98 – 2 ( )

Office and administrative support ........................ 2 98 – 2 ( )

Natural resources, construction, and maintenance – 98 – –

Production, transportation, and material moving ..... 2 98 – 2 ( )

Full time ................................................................... 2 98 – 2 ( )

Part time .................................................................. 4 96 – –

Union ....................................................................... 4 96 – 2 ( )

Nonunion ................................................................. 2 ( ) 100 – 2 ( )

Average wage within the following categories:3

Lowest 25 percent ............................................... 1 99 – 2 ( )

Lowest 10 percent ........................................... – 100 – 2 ( )

Second 25 percent ............................................... 2 98 – 2 ( )

Third 25 percent ................................................... 2 98 – 2 ( )

Highest 25 percent ............................................... 2 97 – 2 ( )

Highest 10 percent ........................................... 4 96 – –

Establishment characteristic

Service-providing industries ..................................... 2 98 – 2 ( )

Education and health services ............................. 2 98 – 2 ( )

Educational services ........................................ 2 98 – 2 ( )

Elementary and secondary schools ............. 2 97 – 2 ( )

Junior colleges, colleges, and universities ... 1 99 – 2 ( )

Health care and social assistance ................... – 99 – –

Hospitals ...................................................... – 98 – –

Public administration ............................................ 2 98 – 2 ( )

1 to 99 workers ........................................................ – 100 – –

1 to 49 workers .................................................... – 100 – –

50 to 99 workers .................................................. – 100 – –

100 workers or more ................................................ 2 98 – 2 ( )

100 to 499 workers .............................................. – 99 – –

500 workers or more ............................................ 3 97 – 2 ( )

State government .................................................... – 100 – –

Local government .................................................... 3 97 – 2 ( )

See footnotes at end of table.
Table 27. Physician office visit benefits: Extent of coverage by type of plan, state and local government workers,

National Compensation Survey, 2011—Continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 1 99 – 2 ( ) 5 95 – –

Worker characteristic

Management, professional, and related .................. – 99 – 2 ( ) 5 95 – –

Professional and related ...................................... – 99 – 2 ( ) 5 95 – –

Teachers .......................................................... – 99 – 2 ( ) 5 95 – –

Primary, secondary, and special education

school teachers .......................................... – 99 – 2 ( ) 5 95 – –

Service ..................................................................... – 99 – 2 ( ) 6 94 – –

Protective service ................................................ – 100 – – 5 95 – –

Sales and office ....................................................... – 100 – 2 ( ) – 94 – –

Office and administrative support ........................ – 100 – 2 ( ) 5 95 – –

Natural resources, construction, and maintenance – 99 – – 5 95 – –

Production, transportation, and material moving ..... – 100 – 2 ( ) – 93 – –

Full time ................................................................... – 99 – 2 ( ) 5 95 – –

Part time .................................................................. – 97 – – 8 92 – –

Union ....................................................................... – 99 – 2 ( ) 7 93 – –

Nonunion ................................................................. – 100 – 2 ( ) – 99 – –

Average wage within the following categories:3

Lowest 25 percent ............................................... – 99 – 2 ( ) 4 96 – –

Lowest 10 percent ........................................... – 100 – 2 ( ) – 100 – –

Second 25 percent ............................................... – 99 – 2 ( ) 5 95 – –

Third 25 percent ................................................... – 100 – 2 ( ) 6 94 – –

Highest 25 percent ............................................... – 99 – 2 ( ) 6 94 – –

Highest 10 percent ........................................... – 99 – – 8 92 – –

Establishment characteristic

Service-providing industries ..................................... 1 99 – 2 ( ) 5 95 – –

Education and health services ............................. – 99 – 2 ( ) 5 95 – –

Educational services ........................................ – 99 – 2 ( ) 5 95 – –

Elementary and secondary schools ............. – 99 – 2 ( ) 6 94 – –

Junior colleges, colleges, and universities ... – 100 – 2 ( ) 3 97 – –

Health care and social assistance ................... – 100 – – – 96 – –

Hospitals ...................................................... – 100 – – – 94 – –

Public administration ............................................ – 100 – 2 ( ) 6 94 – –

1 to 99 workers ........................................................ – 100 – – – 100 – –

1 to 49 workers .................................................... – 100 – – – 100 – –

50 to 99 workers .................................................. – 100 – – – 100 – –

100 workers or more ................................................ 1 99 – 2 ( ) 6 94 – –

100 to 499 workers .............................................. – 99 – – – 99 – –

500 workers or more ............................................ – 99 – 2 ( ) 7 93 – –

State government .................................................... – 100 – – – 100 – –

Local government .................................................... – 99 – 2 ( ) 7 93 – –

See footnotes at end of table.
Table 27. Physician office visit benefits: Extent of coverage by type of plan,

state and local government workers, National Compensation Survey,

2011—Continued

(All workers participating in medical care plans = 100 percent)

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... – 99 – –

Middle Atlantic ......................................................... 9 91 – –

East North Central ................................................... – 98 – 2 ( )

West North Central .................................................. – 100 – 2 ( )

South Atlantic ........................................................... – 100 – –

West South Central .................................................. – 100 – 2 ( )

Mountain .................................................................. – 100 – –

Pacific ...................................................................... – 98 – –

See footnotes at end of table.
Table 27. Physician office visit benefits: Extent of coverage by type of plan, state and local government workers,

National Compensation Survey, 2011—Continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... – 99 – – – 100 – –

Middle Atlantic ......................................................... – 99 – – 29 71 – –

East North Central ................................................... – 98 – 2 ( ) 4 96 – –

West North Central .................................................. – 100 – 2 ( ) – 99 – –

South Atlantic ........................................................... – 100 – – – 99 – –

West South Central .................................................. – – – – – 100 – –

Mountain .................................................................. – 100 – – – 100 – –

Pacific ...................................................................... – 97 – – 1 99 – –

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the

participant pay a percentage of costs (coinsurance), or a requirement that the participant

pay a specific amount (deductible or copayment) before reimbursement begins or services

are rendered. 2 Less than 0.5. 3 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, 2010." 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.
Table 27. Standard errors for physician office visit benefits: Extent of

coverage by type of plan, state and local government workers, National

Compensation Survey, 2011

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 0.2 0.2 – 0.1

Worker characteristic

Management, professional, and related .................. 0.2 0.2 – 0.1

Professional and related ...................................... 0.3 0.3 – 0.1

Teachers .......................................................... 0.3 0.3 – 0.1

Primary, secondary, and special education

school teachers .......................................... 0.3 0.4 – 0.2

Service ..................................................................... 0.2 0.2 – 2 ( )

Protective service ................................................ 0.3 0.3 – –

Sales and office ....................................................... – 0.6 – 0.1

Office and administrative support ........................ 0.5 0.5 – 0.1

Natural resources, construction, and maintenance – 0.7 – –

Production, transportation, and material moving ..... 0.5 0.5 – 0.1

Full time ................................................................... 0.2 0.2 – 0.1

Part time .................................................................. 0.8 0.8 – –

Union ....................................................................... 0.3 0.3 – 2 ( )

Nonunion ................................................................. 0.1 0.1 – 0.1

Average wage within the following categories:3

Lowest 25 percent ............................................... 0.2 0.2 – 0.1

Lowest 10 percent ........................................... – 0.2 – 2 ( )

Second 25 percent ............................................... 0.3 0.3 – 2 ( )

Third 25 percent ................................................... 0.2 0.2 – 2 ( )

Highest 25 percent ............................................... 0.3 0.3 – 0.1

Highest 10 percent ........................................... 0.4 0.4 – –

Establishment characteristic

Service-providing industries ..................................... 0.2 0.2 – 0.1

Education and health services ............................. 0.2 0.3 – 0.1

Educational services ........................................ 0.3 0.3 – 0.1

Elementary and secondary schools ............. 0.4 0.4 – 0.1

Junior colleges, colleges, and universities ... 0.1 0.1 – 2 ( )

Health care and social assistance ................... – 0.5 – –

Hospitals ...................................................... – 0.7 – –

Public administration ............................................ 0.2 0.2 – 0.1

1 to 99 workers ........................................................ – 2 () – –

1 to 49 workers .................................................... – 2 () – –

50 to 99 workers .................................................. – 2 () – –

100 workers or more ................................................ 0.2 0.2 – 0.1

100 to 499 workers .............................................. – 0.2 – –

500 workers or more ............................................ 0.2 0.2 – 0.1

State government .................................................... – 0.1 – –

Local government .................................................... 0.2 0.2 – 0.1

See footnotes at end of table.
Table 27. Standard errors for physician office visit benefits: Extent of coverage by type of plan, state and local

government workers, National Compensation Survey, 2011—Continued

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 0.2 0.2 – 0.1 0.3 0.3 – –

Worker characteristic

Management, professional, and related .................. – 0.3 – 0.1 0.3 0.3 – –

Professional and related ...................................... – 0.3 – 0.1 0.4 0.4 – –

Teachers .......................................................... – 0.4 – 0.2 0.5 0.5 – –

Primary, secondary, and special education

school teachers .......................................... – 0.4 – 0.2 0.6 0.6 – –

Service ..................................................................... – 0.3 – 2 ( ) 0.8 0.8 – –

Protective service ................................................ – 2 ( ) – – 1.0 1.0 – –

Sales and office ....................................................... – 0.1 – 0.1 – 1.9 – –

Office and administrative support ........................ – 0.1 – 0.1 1.6 1.6 – –

Natural resources, construction, and maintenance – 0.7 – – 1.3 1.3 – –

Production, transportation, and material moving ..... – 0.3 – 0.2 – 2.3 – –

Full time ................................................................... – 0.2 – 0.1 0.3 0.3 – –

Part time .................................................................. – 0.9 – – 1.3 1.3 – –

Union ....................................................................... – 0.4 – 0.1 0.3 0.3 – –

Nonunion ................................................................. – 0.1 – 0.1 – 0.3 – –

Average wage within the following categories:3

Lowest 25 percent ............................................... – 0.2 – 0.1 0.7 0.7 – –

Lowest 10 percent ........................................... – 0.2 – 2 ( ) – 0.4 – –

Second 25 percent ............................................... – 0.3 – 2 ( ) 0.6 0.6 – –

Third 25 percent ................................................... – 0.2 – 0.1 0.7 0.7 – –

Highest 25 percent ............................................... – 0.4 – 0.2 0.3 0.3 – –

Highest 10 percent ........................................... – 0.5 – – 0.5 0.5 – –

Establishment characteristic

Service-providing industries ..................................... 0.2 0.2 – 0.1 0.3 0.3 – –

Education and health services ............................. – 0.3 – 0.1 0.4 0.4 – –

Educational services ........................................ – 0.4 – 0.1 0.4 0.4 – –

Elementary and secondary schools ............. – 0.5 – 0.2 0.5 0.5 – –

Junior colleges, colleges, and universities ... – 2 () – 2 ( ) 0.4 0.4 – –

Health care and social assistance ................... – 2 ( ) – – –1.7– –

Hospitals ...................................................... – 2 ( ) – – –2.4– –

Public administration ............................................ – 0.2 – 0.1 0.6 0.6 – –

1 to 99 workers ........................................................ – 2 () – – – 2 () – –

1 to 49 workers .................................................... – 2 ( ) – – –0.1– –

50 to 99 workers .................................................. – 2 () – – – 2 () – –

100 workers or more ................................................ 0.2 0.2 – 0.1 0.3 0.3 – –

100 to 499 workers .............................................. – 0.3 – – – 0.6 – –

500 workers or more ............................................ – 0.3 – 0.1 0.4 0.4 – –

State government .................................................... – 2 ( ) – – –0.3– –

Local government .................................................... – 0.3 – 0.1 0.4 0.4 – –

See footnotes at end of table.
Table 27. Standard errors for physician office visit benefits: Extent of

coverage by type of plan, state and local government workers, National

Compensation Survey, 2011—Continued

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... – 0.6 – –

Middle Atlantic ......................................................... 0.6 0.6 – –

East North Central ................................................... – 0.7 – 2 ( )

West North Central .................................................. – 0.3 – 0.3

South Atlantic ........................................................... – 0.1 – –

West South Central .................................................. – 0.5 – 0.5

Mountain .................................................................. – 2 () – –

Pacific ...................................................................... – 0.7 – –

See footnotes at end of table.
Table 27. Standard errors for physician office visit benefits: Extent of coverage by type of plan, state and local

government workers, National Compensation Survey, 2011—Continued

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... – 1.1 – – – 0.1 – –

Middle Atlantic ......................................................... – 0.3 – – 1.5 1.5 – –

East North Central ................................................... – 0.9 – 2 ( ) 1.2 1.2 – –

West North Central .................................................. – 0.3 – 0.3 – 0.8 – –

South Atlantic ........................................................... – 2 ( ) – – –0.3– –

West South Central .................................................. – – – – – 2 () – –

Mountain .................................................................. – 2 () – – – 2 () – –

Pacific ...................................................................... – 1.5 – – 0.3 0.3 – –

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the

participant pay a percentage of costs (coinsurance), or a requirement that the participant

pay a specific amount (deductible or copayment) before reimbursement begins or services

are rendered. 2 Less than 0.05. 3 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, 2010." 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/glossary20102011.htm.
Table 28. Skilled nursing facility benefits: Extent of coverage by type of plan,

state and local government workers, National Compensation Survey, 2011

(All workers participating in medical care plans = 100 percent)

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 5 77 4 14

Worker characteristic

Management, professional, and related .................. 5 77 4 14

Professional and related ...................................... 5 77 4 15

Teachers .......................................................... 4 75 4 16

Primary, secondary, and special education

school teachers .......................................... 4 75 – –

Service ..................................................................... 6 77 4 13

Protective service ................................................ 7 76 4 13

Sales and office ....................................................... 5 77 4 13

Office and administrative support ........................ 5 77 5 13

Natural resources, construction, and maintenance 5 69 – –

Production, transportation, and material moving ..... 4 71 6 19

Full time ................................................................... 5 77 4 14

Part time .................................................................. 3 74 – –

Union ....................................................................... 8 75 2 15

Nonunion ................................................................. 2 78 6 14

Average wage within the following categories:2

Lowest 25 percent ............................................... 2 78 6 15

Lowest 10 percent ........................................... 1 79 – –

Second 25 percent ............................................... 6 76 5 14

Third 25 percent ................................................... 6 77 4 13

Highest 25 percent ............................................... 6 76 3 15

Highest 10 percent ........................................... 8 75 – –

Establishment characteristic

Service-providing industries ..................................... 5 77 4 14

Education and health services ............................. 4 76 4 15

Educational services ........................................ 4 76 4 15

Elementary and secondary schools ............. 4 76 3 18

Junior colleges, colleges, and universities ... 5 78 – –

Health care and social assistance ................... 6 76 – –

Hospitals ...................................................... 8 73 – –

Public administration ............................................ 6 78 3 12

1 to 99 workers ........................................................ – – – –

1 to 49 workers .................................................... – 74 – 18

50 to 99 workers .................................................. – – – –

100 workers or more ................................................ 5 77 4 13

100 to 499 workers .............................................. 6 77 3 15

500 workers or more ............................................ 5 78 5 13

State government .................................................... 8 81 – –

Local government .................................................... 4 75 3 18

See footnotes at end of table.
Table 28. Skilled nursing facility benefits: Extent of coverage by type of plan, state and local government workers,

National Compensation Survey, 2011—Continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 4 77 5 14 8 76 1 15

Worker characteristic

Management, professional, and related .................. 4 78 4 14 7 76 1 15

Professional and related ...................................... 3 78 5 14 7 76 1 15

Teachers .......................................................... 3 76 5 16 8 72 2 18

Primary, secondary, and special education

school teachers .......................................... 3 75 – – 7 72 1 19

Service ..................................................................... 5 77 5 12 9 77 – –

Protective service ................................................ 6 76 5 12 11 74 – –

Sales and office ....................................................... 4 78 6 12 8 75 – –

Office and administrative support ........................ 4 78 6 12 8 75 – –

Natural resources, construction, and maintenance 3 69 – – 11 69 – –

Production, transportation, and material moving ..... 2 72 8 18 – – – –

Full time ................................................................... 4 77 5 14 8 75 1 15

Part time .................................................................. – 69 – 16 – 86 – 10

Union ....................................................................... 8 74 3 15 8 76 1 15

Nonunion ................................................................. 1 79 7 13 8 75 3 15

Average wage within the following categories:2

Lowest 25 percent ............................................... 1 79 – – 8 72 – –

Lowest 10 percent ........................................... – 80 – 13 – – – –

Second 25 percent ............................................... 4 76 6 14 9 76 – –

Third 25 percent ................................................... 5 78 5 12 7 76 2 15

Highest 25 percent ............................................... 5 76 4 16 8 77 1 14

Highest 10 percent ........................................... 6 76 – – 10 73 – –

Establishment characteristic

Service-providing industries ..................................... 4 77 5 14 8 76 1 15

Education and health services ............................. 3 77 5 15 7 75 2 16

Educational services ........................................ 3 77 5 15 8 73 2 17

Elementary and secondary schools ............. 3 77 3 17 7 72 2 19

Junior colleges, colleges, and universities ... 3 79 – – 10 76 – –

Health care and social assistance ................... 7 72 – – 3 89 – –

Hospitals ...................................................... 9 69 – – – 86 – 10

Public administration ............................................ 5 78 4 12 9 78 – –

1 to 99 workers ........................................................ – – – – 9 70 – –

1 to 49 workers .................................................... – 75 – 18 – – – –

50 to 99 workers .................................................. – – – – – 77 – 17

100 workers or more ................................................ 4 78 5 13 8 76 1 15

100 to 499 workers .............................................. 5 78 3 14 9 72 – –

500 workers or more ............................................ 4 78 6 12 8 77 1 14

State government .................................................... 7 80 – – 11 83 – –

Local government .................................................... 3 76 4 17 7 72 2 19

See footnotes at end of table.
Table 28. Skilled nursing facility benefits: Extent of coverage by type of plan,

state and local government workers, National Compensation Survey,

2011—Continued

(All workers participating in medical care plans = 100 percent)

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... – 82 – 15

Middle Atlantic ......................................................... – – – –

East North Central ................................................... 5 70 – –

South Atlantic ........................................................... 4 83 3 11

West South Central .................................................. – 78 3 18

Mountain .................................................................. – – – –

Pacific ...................................................................... 3 81 – –

See footnotes at end of table.
Table 28. Skilled nursing facility benefits: Extent of coverage by type of plan, state and local government workers,

National Compensation Survey, 2011—Continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... – 82 – 15 – 83 – 16

Middle Atlantic ......................................................... – – – – 13 81 – –

East North Central ................................................... – 71 – 19 16 66 – –

South Atlantic ........................................................... – 89 2 – 13 67 4 16

West South Central .................................................. – 82 4 14 – – – –

Mountain .................................................................. – – – – – 80 – 15

Pacific ...................................................................... – – – – 4 83 – –

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the

participant pay a percentage of costs (coinsurance), or a requirement that the participant

pay a specific amount (deductible or copayment) before reimbursement begins or services

are rendered. 2 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, 2010." 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.
Table 28. Standard errors for skilled nursing facility benefits: Extent of

coverage by type of plan, state and local government workers, National

Compensation Survey, 2011

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 0.3 1.5 0.8 1.1

Worker characteristic

Management, professional, and related .................. 0.4 1.6 0.7 1.3

Professional and related ...................................... 0.4 1.7 0.8 1.2

Teachers .......................................................... 0.6 2.0 1.1 1.6

Primary, secondary, and special education

school teachers .......................................... 0.6 2.1 – –

Service ..................................................................... 0.8 1.7 0.9 1.1

Protective service ................................................ 1.4 2.4 1.0 1.7

Sales and office ....................................................... 0.7 2.1 1.0 1.6

Office and administrative support ........................ 0.8 2.1 1.1 1.5

Natural resources, construction, and maintenance 0.8 3.1 – –

Production, transportation, and material moving ..... 0.7 3.0 1.5 2.8

Full time ................................................................... 0.4 1.4 0.7 1.1

Part time .................................................................. 0.9 5.7 – –

Union ....................................................................... 0.6 1.7 0.4 1.4

Nonunion ................................................................. 0.4 2.0 1.4 1.3

Average wage within the following categories:2

Lowest 25 percent ............................................... 0.4 2.3 1.6 1.5

Lowest 10 percent ........................................... 0.4 3.2 – –

Second 25 percent ............................................... 0.7 2.0 1.0 1.4

Third 25 percent ................................................... 0.6 1.7 0.8 1.2

Highest 25 percent ............................................... 0.5 1.6 0.7 1.6

Highest 10 percent ........................................... 0.8 1.9 – –

Establishment characteristic

Service-providing industries ..................................... 0.3 1.5 0.8 1.1

Education and health services ............................. 0.4 2.0 1.1 1.4

Educational services ........................................ 0.4 2.1 1.2 1.6

Elementary and secondary schools ............. 0.4 1.9 0.7 1.8

Junior colleges, colleges, and universities ... 0.7 5.2 – –

Health care and social assistance ................... 0.9 3.0 – –

Hospitals ...................................................... 1.5 3.7 – –

Public administration ............................................ 0.7 1.8 0.7 1.5

1 to 99 workers ........................................................ – – – –

1 to 49 workers .................................................... – 4.3 – 3.6

50 to 99 workers .................................................. – – – –

100 workers or more ................................................ 0.3 1.5 0.8 1.1

100 to 499 workers .............................................. 1.0 2.2 0.7 1.7

500 workers or more ............................................ 0.4 1.7 0.9 1.3

State government .................................................... 0.9 3.0 – –

Local government .................................................... 0.4 1.4 0.6 1.3

See footnotes at end of table.
Table 28. Standard errors for skilled nursing facility benefits: Extent of coverage by type of plan, state and local

government workers, National Compensation Survey, 2011—Continued

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 0.4 1.9 1.1 1.2 0.8 1.6 0.2 1.6

Worker characteristic

Management, professional, and related .................. 0.4 2.0 1.0 1.5 0.8 1.7 0.3 1.8

Professional and related ...................................... 0.5 2.1 1.1 1.5 0.8 1.8 0.3 1.8

Teachers .......................................................... 0.7 2.4 1.4 1.9 1.0 2.6 0.6 2.8

Primary, secondary, and special education

school teachers .......................................... 0.8 2.6 – – 1.0 2.4 0.3 2.6

Service ..................................................................... 0.9 2.3 1.3 1.4 1.3 2.3 – –

Protective service ................................................ 1.7 3.1 1.5 2.1 2.3 3.7 – –

Sales and office ....................................................... 0.8 2.4 1.4 1.6 1.6 2.9 – –

Office and administrative support ........................ 0.8 2.4 1.5 1.6 1.7 2.7 – –

Natural resources, construction, and maintenance 0.5 4.0 – – 2.8 4.0 – –

Production, transportation, and material moving ..... 0.5 3.6 2.0 3.3 – – – –

Full time ................................................................... 0.4 1.8 0.9 1.2 0.8 1.6 0.2 1.7

Part time .................................................................. – 7.6 – 3.6 – 3.5 – 3.0

Union ....................................................................... 0.8 2.2 0.7 1.8 0.7 2.0 0.2 1.9

Nonunion ................................................................. 0.1 2.3 1.7 1.3 1.8 2.4 0.6 2.7

Average wage within the following categories:2

Lowest 25 percent ............................................... 0.3 2.7 – – 1.6 3.5 – –

Lowest 10 percent ........................................... – 3.7 – 2.1 – – – –

Second 25 percent ............................................... 0.8 2.5 1.3 1.7 1.3 2.0 – –

Third 25 percent ................................................... 0.7 2.2 1.1 1.3 1.0 2.3 0.5 2.4

Highest 25 percent ............................................... 0.6 2.1 1.0 2.1 0.9 1.9 0.3 1.9

Highest 10 percent ........................................... 0.8 2.6 – – 1.3 2.6 – –

Establishment characteristic

Service-providing industries ..................................... 0.4 1.9 1.1 1.2 0.8 1.6 0.2 1.6

Education and health services ............................. 0.5 2.5 1.3 1.7 0.6 2.0 0.4 2.0

Educational services ........................................ 0.5 2.6 1.5 1.9 0.7 2.3 0.5 2.3

Elementary and secondary schools ............. 0.6 2.4 0.9 2.2 0.8 2.3 0.4 2.4

Junior colleges, colleges, and universities ... 0.6 6.3 – – 1.4 4.2 – –

Health care and social assistance ................... 1.2 3.8 – – 0.9 3.1 – –

Hospitals ...................................................... 1.9 4.6 – – – 4.4 – 4.4

Public administration ............................................ 0.8 2.2 1.0 1.7 1.6 2.1 – –

1 to 99 workers ........................................................ – – – – 2.3 5.6 – –

1 to 49 workers .................................................... – 4.9 – 3.9 – – – –

50 to 99 workers .................................................. – – – – – 4.6 – 6.8

100 workers or more ................................................ 0.4 2.0 1.1 1.3 0.8 1.6 0.2 1.6

100 to 499 workers .............................................. 1.1 2.4 0.9 1.8 2.8 4.2 – –

500 workers or more ............................................ 0.4 2.3 1.4 1.6 0.7 1.7 0.2 1.8

State government .................................................... 1.0 3.9 – – 1.8 2.5 – –

Local government .................................................... 0.4 1.8 0.8 1.5 0.9 2.1 0.4 1.9

See footnotes at end of table.
Table 28. Standard errors for skilled nursing facility benefits: Extent of

coverage by type of plan, state and local government workers, National

Compensation Survey, 2011—Continued

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... – 3.4 – 3.2

Middle Atlantic ......................................................... – – – –

East North Central ................................................... 0.9 3.2 – –

South Atlantic ........................................................... 0.8 1.6 0.5 1.8

West South Central .................................................. – 3.4 0.9 3.6

Mountain .................................................................. – – – –

Pacific ...................................................................... 0.7 2.8 – –

See footnotes at end of table.
Table 28. Standard errors for skilled nursing facility benefits: Extent of coverage by type of plan, state and local

government workers, National Compensation Survey, 2011—Continued

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... – 3.9 – 3.2 – 4.4 – 4.5

Middle Atlantic ......................................................... – – – – 1.8 2.0 – –

East North Central ................................................... – 3.9 – 3.3 3.1 6.2 – –

South Atlantic ........................................................... – 1.6 0.5 – 2.7 4.2 1.1 4.6

West South Central .................................................. – 3.0 1.1 3.1 – – – –

Mountain .................................................................. – – – – – 4.7 – 3.7

Pacific ...................................................................... – – – – 1.0 3.2 – –

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the

participant pay a percentage of costs (coinsurance), or a requirement that the participant

pay a specific amount (deductible or copayment) before reimbursement begins or services

are rendered. 2 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, 2010." 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/glossary20102011.htm.
Table 29. Home health care benefits: Extent of coverage by type of plan, state

and local government workers, National Compensation Survey, 2011

(All workers participating in medical care plans = 100 percent)

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 17 66 3 13

Worker characteristic

Management, professional, and related .................. 17 66 4 13

Professional and related ...................................... 17 66 3 13

Teachers .......................................................... 17 65 3 15

Primary, secondary, and special education

school teachers .......................................... 17 63 3 17

Service ..................................................................... 18 67 3 12

Protective service ................................................ 19 66 2 13

Sales and office ....................................................... 18 67 3 12

Office and administrative support ........................ 18 67 3 12

Natural resources, construction, and maintenance 11 68 4 17

Production, transportation, and material moving ..... – – – –

Full time ................................................................... 17 67 4 13

Part time .................................................................. 23 63 – –

Union ....................................................................... 27 55 4 14

Nonunion ................................................................. 8 77 – –

Average wage within the following categories:2

Lowest 25 percent ............................................... 10 75 2 13

Lowest 10 percent ........................................... 6 80 – –

Second 25 percent ............................................... 16 69 3 12

Third 25 percent ................................................... 16 67 4 13

Highest 25 percent ............................................... 23 58 4 14

Highest 10 percent ........................................... 32 51 5 13

Establishment characteristic

Service-providing industries ..................................... 17 66 3 13

Education and health services ............................. 16 67 3 13

Educational services ........................................ 16 67 3 14

Elementary and secondary schools ............. 17 64 3 16

Junior colleges, colleges, and universities ... 13 78 3 6

Health care and social assistance ................... 16 69 4 10

Hospitals ...................................................... 16 71 4 9

Public administration ............................................ 19 65 4 12

1 to 99 workers ........................................................ – – – –

1 to 49 workers .................................................... 8 73 – –

100 workers or more ................................................ 18 66 4 12

100 to 499 workers .............................................. 17 66 3 14

500 workers or more ............................................ 18 66 4 12

State government .................................................... 17 73 5 5

Local government .................................................... 17 64 3 16

See footnotes at end of table.
Table 29. Home health care benefits: Extent of coverage by type of plan, state and local government workers, National

Compensation Survey, 2011—Continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 10 74 4 13 35 47 3 15

Worker characteristic

Management, professional, and related .................. 10 73 4 13 36 47 3 14

Professional and related ...................................... 11 73 4 13 35 48 3 14

Teachers .......................................................... 11 71 3 15 35 47 3 16

Primary, secondary, and special education

school teachers .......................................... 12 68 – – 36 45 2 17

Service ..................................................................... 11 75 3 11 34 50 3 13

Protective service ................................................ 11 75 – – 37 47 3 13

Sales and office ....................................................... 10 76 3 11 36 46 4 15

Office and administrative support ........................ 10 76 3 11 37 46 4 13

Natural resources, construction, and maintenance 6 74 4 17 29 48 – –

Production, transportation, and material moving ..... 12 63 6 19 – – – –

Full time ................................................................... 10 74 4 13 35 47 3 15

Part time .................................................................. 16 69 – – 39 50 – –

Union ....................................................................... 20 61 5 14 37 45 4 14

Nonunion ................................................................. 2 83 – – 30 52 2 15

Average wage within the following categories:2

Lowest 25 percent ............................................... 5 81 – – 32 47 – –

Lowest 10 percent ........................................... – 84 – 11 – – – –

Second 25 percent ............................................... 9 76 3 11 35 48 3 14

Third 25 percent ................................................... 10 74 4 12 32 50 4 15

Highest 25 percent ............................................... 16 65 5 15 38 45 4 13

Highest 10 percent ........................................... 26 56 6 12 40 42 4 13

Establishment characteristic

Service-providing industries ..................................... 10 74 4 13 35 47 3 15

Education and health services ............................. 10 74 4 13 35 48 2 15

Educational services ........................................ 10 74 3 13 35 47 2 15

Elementary and secondary schools ............. 12 69 – – 35 47 2 16

Junior colleges, colleges, and universities ... 5 88 3 5 36 49 – –

Health care and social assistance ................... 10 75 – – 34 52 3 11

Hospitals ...................................................... 12 74 – – 28 62 – –

Public administration ............................................ 11 73 3 12 35 48 4 13

1 to 99 workers ........................................................ 2 78 – – – – – –

1 to 49 workers .................................................... – 81 – 15 – – – –

100 workers or more ................................................ 11 73 4 12 35 48 3 14

100 to 499 workers .............................................. 10 73 3 13 – – – –

500 workers or more ............................................ 12 73 4 11 32 52 4 12

State government .................................................... 5 87 5 4 46 40 5 9

Local government .................................................... 12 69 3 16 30 50 2 17

See footnotes at end of table.
Table 29. Home health care benefits: Extent of coverage by type of plan, state

and local government workers, National Compensation Survey,

2011—Continued

(All workers participating in medical care plans = 100 percent)

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... 33 46 – –

Middle Atlantic ......................................................... 47 36 13 4

East North Central ................................................... 11 70 – –

West North Central .................................................. – 79 – 16

South Atlantic ........................................................... 11 78 2 10

West South Central .................................................. – 80 – 18

Mountain .................................................................. – – – –

Pacific ...................................................................... 27 57 – –

See footnotes at end of table.
Table 29. Home health care benefits: Extent of coverage by type of plan, state and local government workers, National

Compensation Survey, 2011—Continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... 22 63 – – – – – –

Middle Atlantic ......................................................... 51 33 12 4 38 43 13 6

East North Central ................................................... 8 73 – – 24 62 – –

West North Central .................................................. – 80 – 17 – 76 – 6

South Atlantic ........................................................... – 88 – 9 33 49 4 14

West South Central .................................................. – 85 – 14 – – – –

Mountain .................................................................. – – – – 23 62 – 15

Pacific ...................................................................... – 77 – 19 46 41 – 13

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the

participant pay a percentage of costs (coinsurance), or a requirement that the participant

pay a specific amount (deductible or copayment) before reimbursement begins or services

are rendered. 2 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, 2010." 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.
Table 29. Standard errors for home health care benefits: Extent of coverage

by type of plan, state and local government workers, National Compensation

Survey, 2011

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 0.8 1.3 0.4 1.0

Worker characteristic

Management, professional, and related .................. 0.9 1.6 0.6 1.1

Professional and related ...................................... 0.9 1.7 0.7 1.1

Teachers .......................................................... 1.2 2.2 0.8 1.6

Primary, secondary, and special education

school teachers .......................................... 1.3 2.5 0.9 1.7

Service ..................................................................... 1.2 1.5 0.4 1.1

Protective service ................................................ 1.8 2.4 0.7 1.7

Sales and office ....................................................... 1.4 1.8 0.5 1.5

Office and administrative support ........................ 1.4 1.8 0.5 1.4

Natural resources, construction, and maintenance 1.5 3.0 0.6 2.3

Production, transportation, and material moving ..... – – – –

Full time ................................................................... 0.8 1.3 0.5 1.0

Part time .................................................................. 3.1 3.4 – –

Union ....................................................................... 1.0 1.5 0.2 1.4

Nonunion ................................................................. 0.9 1.6 – –

Average wage within the following categories:2

Lowest 25 percent ............................................... 0.9 1.7 0.6 1.2

Lowest 10 percent ........................................... 1.4 2.1 – –

Second 25 percent ............................................... 1.0 1.4 0.4 1.2

Third 25 percent ................................................... 1.2 1.8 0.5 1.3

Highest 25 percent ............................................... 1.2 1.7 0.6 1.5

Highest 10 percent ........................................... 2.2 2.3 0.5 1.3

Establishment characteristic

Service-providing industries ..................................... 0.8 1.3 0.5 1.0

Education and health services ............................. 0.9 1.7 0.8 1.2

Educational services ........................................ 1.0 2.0 0.8 1.4

Elementary and secondary schools ............. 1.2 2.4 0.9 1.7

Junior colleges, colleges, and universities ... 1.4 2.4 0.7 1.9

Health care and social assistance ................... 2.1 2.9 0.8 2.0

Hospitals ...................................................... 2.4 3.3 0.6 2.5

Public administration ............................................ 1.1 1.6 0.6 1.4

1 to 99 workers ........................................................ – – – –

1 to 49 workers .................................................... 1.2 4.2 – –

100 workers or more ................................................ 0.9 1.3 0.5 1.0

100 to 499 workers .............................................. 1.8 2.2 0.6 1.5

500 workers or more ............................................ 1.0 1.5 0.6 1.2

State government .................................................... 1.2 1.7 0.5 1.1

Local government .................................................... 0.9 1.6 0.5 1.2

See footnotes at end of table.
Table 29. Standard errors for home health care benefits: Extent of coverage by type of plan, state and local

government workers, National Compensation Survey, 2011—Continued

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 0.7 1.5 0.6 1.1 1.9 2.0 0.3 1.6

Worker characteristic

Management, professional, and related .................. 0.8 1.9 0.8 1.3 2.3 2.3 0.3 1.8

Professional and related ...................................... 0.8 1.9 0.8 1.3 2.3 2.3 0.5 1.8

Teachers .......................................................... 1.1 2.6 1.0 1.8 2.9 2.3 0.7 2.5

Primary, secondary, and special education

school teachers .......................................... 1.3 3.1 – – 2.7 2.7 0.6 2.3

Service ..................................................................... 1.1 1.9 0.5 1.3 2.8 2.9 0.7 1.9

Protective service ................................................ 1.9 2.8 – – 4.0 4.3 1.0 2.9

Sales and office ....................................................... 1.7 2.1 0.6 1.5 3.4 3.3 0.4 2.6

Office and administrative support ........................ 1.5 2.0 0.7 1.5 3.3 3.2 0.4 2.3

Natural resources, construction, and maintenance 1.4 3.3 0.5 2.7 3.9 5.0 – –

Production, transportation, and material moving ..... 3.5 4.3 1.6 3.6 – – – –

Full time ................................................................... 0.7 1.5 0.6 1.1 2.0 2.0 0.3 1.6

Part time .................................................................. 2.9 4.4 – – 4.8 3.8 – –

Union ....................................................................... 1.2 2.1 0.3 1.7 1.9 2.2 0.3 1.8

Nonunion ................................................................. 0.6 1.7 – – 3.5 3.0 0.3 2.3

Average wage within the following categories:2

Lowest 25 percent ............................................... 0.8 1.7 – – 3.2 3.6 – –

Lowest 10 percent ........................................... – 2.2 – 1.6 – – – –

Second 25 percent ............................................... 0.8 1.6 0.5 1.3 2.8 2.7 0.4 2.0

Third 25 percent ................................................... 1.2 2.1 0.7 1.3 3.0 3.2 0.7 2.5

Highest 25 percent ............................................... 1.2 2.2 0.8 2.0 2.2 2.1 0.4 1.7

Highest 10 percent ........................................... 2.2 3.0 0.6 1.6 3.1 2.4 0.6 2.5

Establishment characteristic

Service-providing industries ..................................... 0.7 1.5 0.6 1.1 2.0 2.0 0.3 1.6

Education and health services ............................. 0.8 2.1 0.9 1.4 2.2 2.0 0.5 1.9

Educational services ........................................ 0.9 2.3 1.0 1.7 2.3 2.1 0.6 2.2

Elementary and secondary schools ............. 1.1 2.9 – – 2.5 2.3 0.4 2.2

Junior colleges, colleges, and universities ... 0.6 1.9 0.5 1.4 3.5 3.2 – –

Health care and social assistance ................... 2.4 3.7 – – 4.5 4.6 0.5 2.9

Hospitals ...................................................... 2.9 4.3 – – 5.9 5.8 – –

Public administration ............................................ 1.1 2.0 0.6 1.5 3.1 3.3 0.8 2.1

1 to 99 workers ........................................................ 0.6 3.1 – – – – – –

1 to 49 workers .................................................... – 3.9 – 3.3 – – – –

100 workers or more ................................................ 0.8 1.6 0.6 1.1 2.0 2.1 0.3 1.5

100 to 499 workers .............................................. 1.8 2.3 0.7 1.4 – – – –

500 workers or more ............................................ 0.9 1.8 0.8 1.4 2.3 2.4 0.4 1.5

State government .................................................... 0.8 1.3 0.5 0.7 3.5 3.5 0.8 2.8

Local government .................................................... 0.9 2.0 0.7 1.5 2.0 2.3 0.5 1.7

See footnotes at end of table.
Table 29. Standard errors for home health care benefits: Extent of coverage

by type of plan, state and local government workers, National Compensation

Survey, 2011—Continued

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... 4.8 7.1 – –

Middle Atlantic ......................................................... 3.0 3.3 0.6 0.8

East North Central ................................................... 1.9 3.0 – –

West North Central .................................................. – 3.5 – 3.6

South Atlantic ........................................................... 2.7 2.6 0.4 1.6

West South Central .................................................. – 3.9 – 3.6

Mountain .................................................................. – – – –

Pacific ...................................................................... 2.0 2.7 – –

See footnotes at end of table.
Table 29. Standard errors for home health care benefits: Extent of coverage by type of plan, state and local

government workers, National Compensation Survey, 2011—Continued

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... 6.2 7.8 – – – – – –

Middle Atlantic ......................................................... 4.0 4.4 0.6 1.0 2.1 3.0 1.5 0.9

East North Central ................................................... 1.9 3.4 – – 5.0 7.1 – –

West North Central .................................................. – 4.8 – 3.8 – 14.6 – 3.2

South Atlantic ........................................................... – 2.2 – 1.6 7.3 5.1 1.0 3.1

West South Central .................................................. – 3.4 – 3.1 – – – –

Mountain .................................................................. – – – – 3.6 4.5 – 3.7

Pacific ...................................................................... – 3.7 – 2.9 2.9 3.1 – 2.9

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the

participant pay a percentage of costs (coinsurance), or a requirement that the participant

pay a specific amount (deductible or copayment) before reimbursement begins or services

are rendered. 2 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, 2010." 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/glossary20102011.htm.
Table 30. Hospice benefits: Extent of coverage by type of plan, state and local government workers, National

Compensation Survey, 2011

(All workers participating in medical care plans = 100 percent)

Characteristics

All plans Fee-for-service plan

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 22 57 4 17 14 68 4 14

Worker characteristic

Management, professional, and related .................. 22 58 4 16 13 68 4 14

Professional and related ...................................... 22 58 4 16 13 69 4 14

Teachers .......................................................... 20 58 4 18 12 69 4 16

Primary, secondary, and special education

school teachers .......................................... – – – – 11 67 4 18

Service ..................................................................... 23 58 3 15 14 69 3 13

Protective service ................................................ 26 54 4 16 17 64 – –

Sales and office ....................................................... 23 56 – – 15 69 4 13

Office and administrative support ........................ 24 56 – – 15 68 – –

Natural resources, construction, and maintenance – – – – 10 68 – –

Full time ................................................................... 22 57 4 17 14 68 4 14

Part time .................................................................. 26 57 – – 13 71 – –

Union ....................................................................... 32 45 4 19 21 58 4 17

Nonunion ................................................................. 13 69 4 14 8 76 4 12

Average wage within the following categories:2

Lowest 25 percent ............................................... 14 68 3 15 9 76 3 13

Lowest 10 percent ........................................... 11 74 – – 7 80 – –

Second 25 percent ............................................... 23 57 – – 14 67 5 14

Third 25 percent ................................................... 21 58 4 16 14 68 – –

Highest 25 percent ............................................... 29 49 4 18 17 63 4 16

Highest 10 percent ........................................... 37 42 4 17 24 59 4 13

Establishment characteristic

Service-providing industries ..................................... 22 57 4 17 14 68 4 14

Education and health services ............................. 20 60 4 16 12 70 4 14

Educational services ........................................ 20 59 4 17 11 70 4 15

Elementary and secondary schools ............. 20 57 3 19 11 68 3 18

Junior colleges, colleges, and universities ... 20 66 – – 14 76 – –

Health care and social assistance ................... 24 62 – – 17 69 – –

Hospitals ...................................................... 23 62 – – 16 69 – –

Public administration ............................................ 26 53 4 17 17 65 – –

1 to 99 workers ........................................................ – – – – 9 68 – –

1 to 49 workers .................................................... 14 65 – – – 71 – 15

100 workers or more ................................................ 23 57 4 16 14 68 4 14

100 to 499 workers .............................................. 22 59 4 15 15 68 4 13

500 workers or more ............................................ 24 56 – – 14 68 – –

State government .................................................... 30 60 – – 22 70 – –

Local government .................................................... – – – – 10 68 4 18

See footnotes at end of table.
Table 30. Hospice benefits: Extent of coverage by type of plan, state and local government workers, National

Compensation Survey, 2011—Continued

(All workers participating in medical care plans = 100 percent)

Characteristics

All plans Fee-for-service plan

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... 36 40 – – 28 53 – –

Middle Atlantic ......................................................... 37 48 – – 36 57 – –

South Atlantic ........................................................... 18 66 3 13 12 74 2 12

West South Central .................................................. – 78 – 18 – 82 – 14

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the

participant pay a percentage of costs (coinsurance), or a requirement that the participant

pay a specific amount (deductible or copayment) before reimbursement begins or services

are rendered. 2 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, 2010." 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.
Table 30. Standard errors for hospice benefits: Extent of coverage by type of plan, state and local government

workers, National Compensation Survey, 2011

Characteristics

All plans Fee-for-service plan

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 1.0 1.3 0.8 1.0 0.9 1.4 0.9 1.1

Worker characteristic

Management, professional, and related .................. 1.1 1.6 0.8 1.2 1.0 1.8 1.1 1.3

Professional and related ...................................... 1.1 1.6 0.8 1.2 1.0 1.8 1.1 1.3

Teachers .......................................................... 1.3 2.2 0.9 1.7 1.2 2.5 1.1 1.9

Primary, secondary, and special education

school teachers .......................................... – – – – 1.2 2.8 1.1 2.3

Service ..................................................................... 1.7 1.8 0.9 1.2 1.6 1.9 0.8 1.3

Protective service ................................................ 2.5 2.7 1.1 2.0 2.7 3.4 – –

Sales and office ....................................................... 1.5 2.1 – – 1.5 2.3 1.3 1.5

Office and administrative support ........................ 1.6 2.1 – – 1.5 2.4 – –

Natural resources, construction, and maintenance – – – – 2.1 3.1 – –

Full time ................................................................... 1.0 1.3 0.8 1.0 0.9 1.5 0.9 1.1

Part time .................................................................. 3.1 3.9 – – 3.0 4.3 – –

Union ....................................................................... 1.2 1.5 1.0 1.4 1.3 1.9 1.0 1.8

Nonunion ................................................................. 1.2 1.8 0.9 1.2 1.0 1.8 1.1 1.2

Average wage within the following categories:2

Lowest 25 percent ............................................... 1.5 1.9 0.7 1.2 1.6 1.8 0.7 1.2

Lowest 10 percent ........................................... 2.3 2.8 – – 1.9 2.6 – –

Second 25 percent ............................................... 1.4 1.9 – – 1.4 2.1 1.4 1.3

Third 25 percent ................................................... 1.4 1.7 1.0 1.4 1.1 1.8 – –

Highest 25 percent ............................................... 1.3 1.6 0.7 1.6 1.3 2.0 0.9 2.0

Highest 10 percent ........................................... 2.1 2.4 0.7 1.5 2.3 3.1 1.2 1.6

Establishment characteristic

Service-providing industries ..................................... 1.0 1.3 0.8 1.0 0.9 1.4 0.9 1.1

Education and health services ............................. 1.2 1.8 0.9 1.3 1.1 2.1 0.9 1.5

Educational services ........................................ 1.3 2.2 0.8 1.6 1.2 2.4 0.9 1.8

Elementary and secondary schools ............. 1.2 2.2 0.7 1.8 1.0 2.6 0.8 2.2

Junior colleges, colleges, and universities ... 3.5 5.1 – – 4.0 5.6 – –

Health care and social assistance ................... 2.3 3.2 – – 2.4 3.5 – –

Hospitals ...................................................... 2.9 3.8 – – 3.1 4.2 – –

Public administration ............................................ 1.5 1.8 1.1 1.6 1.4 2.3 – –

1 to 99 workers ........................................................ – – – – 2.3 3.5 – –

1 to 49 workers .................................................... 3.2 4.7 – – – 5.1 – 3.3

100 workers or more ................................................ 1.1 1.4 1.0 1.1 1.0 1.6 1.1 1.2

100 to 499 workers .............................................. 2.0 2.4 1.0 1.6 1.8 2.5 1.2 1.5

500 workers or more ............................................ 1.2 1.7 – – 1.1 1.9 – –

State government .................................................... 2.3 2.9 – – 2.8 3.2 – –

Local government .................................................... – – – – 0.9 1.7 0.8 1.5

See footnotes at end of table.
Table 30. Standard errors for hospice benefits: Extent of coverage by type of plan, state and local government

workers, National Compensation Survey, 2011—Continued

Characteristics

All plans Fee-for-service plan

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... 6.7 7.4 – – 7.7 9.2 – –

Middle Atlantic ......................................................... 2.9 3.2 – – 3.4 3.9 – –

South Atlantic ........................................................... 2.8 2.4 0.5 1.9 2.0 2.5 0.5 1.6

West South Central .................................................. – 4.0 – 3.5 – 3.8 – 3.0

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the

participant pay a percentage of costs (coinsurance), or a requirement that the participant

pay a specific amount (deductible or copayment) before reimbursement begins or services

are rendered. 2 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, 2010." 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/glossary20102011.htm.
Table 31. Inpatient mental health care benefits: Extent of coverage by type of

plan, state and local government workers, National Compensation Survey,

2011

(All workers participating in medical care plans = 100 percent)

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 12 86 – –

Worker characteristic

Management, professional, and related .................. 12 87 – 1

Professional and related ...................................... 12 87 – 1

Teachers .......................................................... 11 87 – 1

Primary, secondary, and special education

school teachers .......................................... 12 87 – 2

Service ..................................................................... 11 87 – –

Protective service ................................................ 13 85 – –

Sales and office ....................................................... 13 85 – –

Office and administrative support ........................ 13 85 – –

Natural resources, construction, and maintenance 12 85 – 3

Production, transportation, and material moving ..... 14 80 – –

Full time ................................................................... 12 86 – –

Part time .................................................................. 13 87 – 2 ( )

Union ....................................................................... 20 78 – –

Nonunion ................................................................. 4 94 – –

Average wage within the following categories:3

Lowest 25 percent ............................................... 4 93 – –

Lowest 10 percent ........................................... – 94 – 4

Second 25 percent ............................................... 12 86 – –

Third 25 percent ................................................... 12 87 – –

Highest 25 percent ............................................... 18 81 – 2

Highest 10 percent ........................................... 25 75 – 1

Establishment characteristic

Service-providing industries ..................................... 12 86 – –

Education and health services ............................. 11 88 – 1

Educational services ........................................ 11 88 – 1

Elementary and secondary schools ............. 11 87 – 2

Junior colleges, colleges, and universities ... 8 92 – 2 ( )

Health care and social assistance ................... 13 86 – 1

Hospitals ...................................................... 13 86 – 1

Public administration ............................................ 14 84 – –

1 to 99 workers ........................................................ 6 91 – –

1 to 49 workers .................................................... 5 92 – –

50 to 99 workers .................................................. 7 90 – 3

100 workers or more ................................................ 13 86 – –

100 to 499 workers .............................................. 10 87 – 3

500 workers or more ............................................ 14 85 – –

State government .................................................... 13 87 – 2 ( )

Local government .................................................... 12 86 – –

See footnotes at end of table.
Table 31. Inpatient mental health care benefits: Extent of coverage by type of plan, state and local government

workers, National Compensation Survey, 2011—Continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 6 92 – – 29 70 – –

Worker characteristic

Management, professional, and related .................. 6 93 – 2 28 71 – 1

Professional and related ...................................... 6 93 – 2 28 71 – 1

Teachers .......................................................... 6 92 – 2 27 72 – 1

Primary, secondary, and special education

school teachers .......................................... 6 92 – 2 28 71 – 1

Service ..................................................................... 5 92 – 2 27 72 – –

Protective service ................................................ 6 91 – 3 28 72 – –

Sales and office ....................................................... 5 93 – 2 32 66 – –

Office and administrative support ........................ 5 93 – 2 33 65 – –

Natural resources, construction, and maintenance 7 90 – 3 29 69 – 3

Production, transportation, and material moving ..... 7 88 – – 33 59 – –

Full time ................................................................... 6 92 – – 29 70 – –

Part time .................................................................. – 95 – 2 ( ) 30 70 – 2 ( )

Union ....................................................................... 11 88 – 2 36 63 – –

Nonunion ................................................................. 2 96 – – 14 84 – 2

Average wage within the following categories:3

Lowest 25 percent ............................................... 2 95 – 3 16 84 – –

Lowest 10 percent ........................................... – 94 – 4 – 95 – –

Second 25 percent ............................................... 6 92 – – 27 71 – –

Third 25 percent ................................................... 6 92 – 1 27 71 – –

Highest 25 percent ............................................... 9 90 – 2 36 63 – 1

Highest 10 percent ........................................... 14 85 – 1 40 60 – 1

Establishment characteristic

Service-providing industries ..................................... 6 92 – – 29 70 – –

Education and health services ............................. 6 93 – 1 27 73 – 1

Educational services ........................................ 5 93 – 2 26 73 – 1

Elementary and secondary schools ............. 6 92 – 2 28 71 – 1

Junior colleges, colleges, and universities ... 4 96 – 2 ( ) 21 79 – –

Health care and social assistance ................... 7 91 – 1 30 70 – –

Hospitals ...................................................... – 91 – 1 28 72 – –

Public administration ............................................ 6 91 – 3 30 69 – –

1 to 99 workers ........................................................ 2 94 – – 23 77 – –

1 to 49 workers .................................................... – 96 – 4 24 76 – –

50 to 99 workers .................................................. 5 92 – 3 21 79 – –

100 workers or more ................................................ 6 92 – 2 29 69 – –

100 to 499 workers .............................................. 7 90 – 3 25 74 – 1

500 workers or more ............................................ 6 93 – 1 30 68 – –

State government .................................................... 6 94 – 2 ( ) 31 69 – 2 ( )

Local government .................................................... 6 92 – – 28 70 – –

See footnotes at end of table.
Table 31. Inpatient mental health care benefits: Extent of coverage by type of

plan, state and local government workers, National Compensation Survey,

2011—Continued

(All workers participating in medical care plans = 100 percent)

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... 26 71 – 3

Middle Atlantic ......................................................... 24 76 – –

East North Central ................................................... 10 87 – 3

West North Central .................................................. – 94 – 3

South Atlantic ........................................................... 4 95 – 1

West South Central .................................................. – 95 – 4

Mountain .................................................................. – 95 – 1

Pacific ...................................................................... 30 70 – 2 ( )

See footnotes at end of table.
Table 31. Inpatient mental health care benefits: Extent of coverage by type of plan, state and local government

workers, National Compensation Survey, 2011—Continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... 23 76 – 2 31 65 – 4

Middle Atlantic ......................................................... 20 80 – 2 ( ) 34 65 – –

East North Central ................................................... 7 90 – 4 21 79 – 2 ( )

West North Central .................................................. – 97 – 2 – 64 – 5

South Atlantic ........................................................... 3 97 – 1 9 90 – 2

West South Central .................................................. – 95 – 4 – 94 – 5

Mountain .................................................................. – 98 – 2 – 89 – 1

Pacific ...................................................................... – 93 – 1 49 51 – 2 ( )

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the

participant pay a percentage of costs (coinsurance), or a requirement that the participant

pay a specific amount (deductible or copayment) before reimbursement begins or services

are rendered. 2 Less than 0.5. 3 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, 2010." 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.
Table 31. Standard errors for inpatient mental health care benefits: Extent of

coverage by type of plan, state and local government workers, National

Compensation Survey, 2011

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 0.6 0.6 – –

Worker characteristic

Management, professional, and related .................. 0.7 0.7 – 0.3

Professional and related ...................................... 0.7 0.8 – 0.3

Teachers .......................................................... 0.9 1.0 – 0.4

Primary, secondary, and special education

school teachers .......................................... 1.1 1.1 – 0.5

Service ..................................................................... 0.8 0.8 – –

Protective service ................................................ 1.2 1.4 – –

Sales and office ....................................................... 1.0 1.1 – –

Office and administrative support ........................ 1.1 1.2 – –

Natural resources, construction, and maintenance 1.4 1.7 – 0.8

Production, transportation, and material moving ..... 2.2 2.8 – –

Full time ................................................................... 0.5 0.6 – –

Part time .................................................................. 2.4 2.4 – 0.1

Union ....................................................................... 0.9 0.9 – –

Nonunion ................................................................. 0.5 0.7 – –

Average wage within the following categories:3

Lowest 25 percent ............................................... 0.6 0.9 – –

Lowest 10 percent ........................................... – 1.3 – 1.3

Second 25 percent ............................................... 0.9 0.9 – –

Third 25 percent ................................................... 0.7 0.8 – –

Highest 25 percent ............................................... 1.0 1.0 – 0.4

Highest 10 percent ........................................... 1.7 1.7 – 0.2

Establishment characteristic

Service-providing industries ..................................... 0.6 0.6 – –

Education and health services ............................. 0.8 0.8 – 0.3

Educational services ........................................ 0.8 0.8 – 0.4

Elementary and secondary schools ............. 0.9 1.0 – 0.5

Junior colleges, colleges, and universities ... 1.2 1.3 – 0.3

Health care and social assistance ................... 1.9 2.0 – 0.6

Hospitals ...................................................... 2.4 2.5 – 0.9

Public administration ............................................ 0.8 1.0 – –

1 to 99 workers ........................................................ 0.8 1.4 – –

1 to 49 workers .................................................... 0.9 1.8 – –

50 to 99 workers .................................................. 1.5 2.0 – 1.4

100 workers or more ................................................ 0.6 0.6 – –

100 to 499 workers .............................................. 1.3 1.4 – 0.8

500 workers or more ............................................ 0.7 0.7 – –

State government .................................................... 1.1 1.1 – 0.2

Local government .................................................... 0.6 0.8 – –

See footnotes at end of table.
Table 31. Standard errors for inpatient mental health care benefits: Extent of coverage by type of plan, state and local

government workers, National Compensation Survey, 2011—Continued

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 0.5 0.6 – – 1.4 1.5 – –

Worker characteristic

Management, professional, and related .................. 0.6 0.7 – 0.4 1.6 1.6 – 0.4

Professional and related ...................................... 0.7 0.8 – 0.5 1.6 1.6 – 0.3

Teachers .......................................................... 0.8 0.9 – 0.5 1.9 1.9 – 0.5

Primary, secondary, and special education

school teachers .......................................... 1.0 1.1 – 0.6 2.1 2.0 – 0.7

Service ..................................................................... 0.5 0.8 – 0.6 2.3 2.3 – –

Protective service ................................................ 1.0 1.4 – 1.0 3.2 3.2 – –

Sales and office ....................................................... 0.7 1.0 – 0.7 2.6 2.7 – –

Office and administrative support ........................ 0.8 1.1 – 0.8 2.7 2.7 – –

Natural resources, construction, and maintenance 1.4 1.8 – 1.0 4.1 4.2 – 1.0

Production, transportation, and material moving ..... 1.5 2.5 – – 5.6 6.1 – –

Full time ................................................................... 0.5 0.6 – – 1.4 1.4 – –

Part time .................................................................. – 1.7 – 0.2 4.8 4.8 – 2 ( )

Union ....................................................................... 0.8 0.8 – 0.5 1.8 1.8 – –

Nonunion ................................................................. 0.4 0.8 – – 1.5 1.7 – 0.8

Average wage within the following categories:3

Lowest 25 percent ............................................... 0.5 0.9 – 0.9 2.1 2.2 – –

Lowest 10 percent ........................................... – 1.5 – 1.5 – 2.1 – –

Second 25 percent ............................................... 0.7 0.8 – – 2.4 2.4 – –

Third 25 percent ................................................... 0.5 0.7 – 0.4 1.8 1.9 – –

Highest 25 percent ............................................... 0.9 1.0 – 0.5 2.0 2.0 – 0.5

Highest 10 percent ........................................... 1.5 1.5 – 0.3 2.9 2.8 – 0.3

Establishment characteristic

Service-providing industries ..................................... 0.5 0.6 – – 1.4 1.5 – –

Education and health services ............................. 0.7 0.8 – 0.4 1.7 1.7 – 0.4

Educational services ........................................ 0.7 0.8 – 0.5 1.6 1.7 – 0.5

Elementary and secondary schools ............. 0.9 1.0 – 0.6 1.7 1.7 – 0.6

Junior colleges, colleges, and universities ... 0.7 0.8 – 0.4 3.4 3.4 – –

Health care and social assistance ................... 1.9 2.0 – 0.8 4.8 4.8 – –

Hospitals ...................................................... – 2.8 – 1.1 6.7 6.7 – –

Public administration ............................................ 0.7 1.2 – 1.0 2.1 2.2 – –

1 to 99 workers ........................................................ 0.5 1.5 – – 3.9 3.9 – –

1 to 49 workers .................................................... – 2.1 – 2.1 4.9 4.9 – –

50 to 99 workers .................................................. 1.2 2.1 – 1.6 5.5 5.5 – –

100 workers or more ................................................ 0.5 0.6 – 0.4 1.5 1.6 – –

100 to 499 workers .............................................. 1.2 1.5 – 0.9 4.4 4.5 – 0.9

500 workers or more ............................................ 0.5 0.6 – 0.4 1.7 1.8 – –

State government .................................................... 0.5 0.5 – 0.2 3.4 3.4 – 0.5

Local government .................................................... 0.6 0.8 – – 1.4 1.4 – –

See footnotes at end of table.
Table 31. Standard errors for inpatient mental health care benefits: Extent of

coverage by type of plan, state and local government workers, National

Compensation Survey, 2011—Continued

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... 4.8 4.3 – 1.8

Middle Atlantic ......................................................... 1.6 1.7 – –

East North Central ................................................... 1.6 1.7 – 1.0

West North Central .................................................. – 2.5 – 1.2

South Atlantic ........................................................... 0.5 0.6 – 0.4

West South Central .................................................. – 2.2 – 2.1

Mountain .................................................................. – 1.3 – 1.1

Pacific ...................................................................... 2.2 2.2 – 0.4

See footnotes at end of table.
Table 31. Standard errors for inpatient mental health care benefits: Extent of coverage by type of plan, state and local

government workers, National Compensation Survey, 2011—Continued

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... 5.7 4.5 – 1.4 6.5 7.3 – 3.7

Middle Atlantic ......................................................... 1.8 1.8 – 0.1 3.3 3.3 – –

East North Central ................................................... 1.8 2.0 – 1.3 3.4 3.4 – 0.2

West North Central .................................................. – 1.3 – 1.3 – 12.2 – 2.5

South Atlantic ........................................................... 0.5 0.6 – 0.4 1.6 1.6 – 0.9

West South Central .................................................. – 2.3 – 2.2 – 3.9 – 3.4

Mountain .................................................................. – 1.5 – 1.4 – 6.1 – 0.7

Pacific ...................................................................... – 2.4 – 0.7 2.6 2.6 – 0.1

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the

participant pay a percentage of costs (coinsurance), or a requirement that the participant

pay a specific amount (deductible or copayment) before reimbursement begins or services

are rendered. 2 Less than 0.05. 3 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, 2010." 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/glossary20102011.htm.
Table 32. Outpatient mental health care benefits: Extent of coverage by type

of plan, state and local government workers, National Compensation Survey,

2011

(All workers participating in medical care plans = 100 percent)

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 2 89 – –

Worker characteristic

Management, professional, and related .................. 2 90 – –

Professional and related ...................................... 2 90 – –

Teachers .......................................................... 3 89 – –

Primary, secondary, and special education

school teachers .......................................... 3 88 – 9

Service ..................................................................... 2 89 – –

Protective service ................................................ – 89 – 9

Sales and office ....................................................... – 90 – 9

Office and administrative support ........................ – 89 – 9

Natural resources, construction, and maintenance 4 86 – 10

Production, transportation, and material moving ..... – 86 – 12

Full time ................................................................... 2 89 – –

Part time .................................................................. – 91 – 5

Union ....................................................................... 3 88 – –

Nonunion ................................................................. – 91 – 8

Average wage within the following categories:2

Lowest 25 percent ............................................... – 89 – 9

Lowest 10 percent ........................................... – 90 – 9

Second 25 percent ............................................... – 90 3 ( ) –

Third 25 percent ................................................... 1 91 – –

Highest 25 percent ............................................... 3 88 – –

Highest 10 percent ........................................... 4 87 – –

Establishment characteristic

Service-providing industries ..................................... 2 89 – –

Education and health services ............................. 2 90 – –

Educational services ........................................ 3 90 – –

Elementary and secondary schools ............. 3 88 – 9

Junior colleges, colleges, and universities ... – 95 – 3

Health care and social assistance ................... – 92 – 6

Hospitals ...................................................... – 88 – 8

Public administration ............................................ 2 88 – –

1 to 99 workers ........................................................ 3 ( ) 89 – –

1 to 49 workers .................................................... – 92 – 8

50 to 99 workers .................................................. – 87 – 13

100 workers or more ................................................ 2 89 – –

100 to 499 workers .............................................. 2 90 – –

500 workers or more ............................................ 2 89 – –

State government .................................................... – 95 – 3

Local government .................................................... 2 87 – –

See footnotes at end of table.
Table 32. Outpatient mental health care benefits: Extent of coverage by type of plan, state and local government

workers, National Compensation Survey, 2011—Continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 1 90 – – 3 88 – –

Worker characteristic

Management, professional, and related .................. 1 91 – – 3 88 – –

Professional and related ...................................... 1 91 – – 4 88 – –

Teachers .......................................................... 2 91 – 8 5 85 – –

Primary, secondary, and special education

school teachers .......................................... 2 89 – 9 5 86 – 9

Service ..................................................................... – 90 – 8 – 88 – 9

Protective service ................................................ – 88 – 10 2 90 – –

Sales and office ....................................................... 1 91 – – – 86 – 9

Office and administrative support ........................ 1 90 – – – 86 – 9

Natural resources, construction, and maintenance – 86 – 11 – 87 – 8

Production, transportation, and material moving ..... – 86 – 12 – 86 – 11

Full time ................................................................... 1 90 – – 4 88 – –

Part time .................................................................. – 92 – 4 – 89 – 9

Union ....................................................................... 3 89 – – 4 85 – –

Nonunion ................................................................. – 91 – 8 – 93 – 5

Average wage within the following categories:2

Lowest 25 percent ............................................... – 89 – 9 – 90 – 8

Lowest 10 percent ........................................... – 89 – 9 – 93 – 6

Second 25 percent ............................................... 2 90 – – – 88 – 8

Third 25 percent ................................................... 1 92 – – 2 88 – –

Highest 25 percent ............................................... 2 89 – – 5 87 – –

Highest 10 percent ........................................... 4 89 – 8 5 84 – –

Establishment characteristic

Service-providing industries ..................................... 2 90 – – 3 88 – –

Education and health services ............................. 2 91 – – – 86 – 9

Educational services ........................................ 2 91 – 7 5 85 – –

Elementary and secondary schools ............. 2 90 – 8 5 84 – 11

Junior colleges, colleges, and universities ... 3 ( ) 97 – 3 – 88 – 6

Health care and social assistance ................... – 91 – 7 – 94 – 3

Hospitals ...................................................... – 87 – 9 – 92 – 5

Public administration ............................................ – 88 – 11 2 90 – –

1 to 99 workers ........................................................ – 88 – 12 – 96 – 3

1 to 49 workers .................................................... – 90 – 10 – 99 – –

50 to 99 workers .................................................. – 85 – 14 – 93 – 6

100 workers or more ................................................ 2 90 – – 4 87 – –

100 to 499 workers .............................................. – 89 – 8 – 91 – 7

500 workers or more ............................................ 1 91 – – 4 86 – –

State government .................................................... 3 ( ) 95 – – – 96 – –

Local government .................................................... 2 88 – – 3 84 – –

See footnotes at end of table.
Table 32. Outpatient mental health care benefits: Extent of coverage by type

of plan, state and local government workers, National Compensation Survey,

2011—Continued

(All workers participating in medical care plans = 100 percent)

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... – 93 – 5

Middle Atlantic ......................................................... 5 85 – –

East North Central ................................................... 3 89 – 8

West North Central .................................................. – 87 – 10

South Atlantic ........................................................... – 88 – 10

West South Central .................................................. – 93 – 7

Mountain .................................................................. – 91 – 9

Pacific ...................................................................... 1 91 – 8

See footnotes at end of table.
Table 32. Outpatient mental health care benefits: Extent of coverage by type of plan, state and local government

workers, National Compensation Survey, 2011—Continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... – 89 – 6 – 97 – 3

Middle Atlantic ......................................................... – 93 – 2 – – – –

East North Central ................................................... – 88 – 10 – 92 – 3

West North Central .................................................. – 88 – 11 – 81 – 5

South Atlantic ........................................................... – 87 – 10 – 89 – 8

West South Central .................................................. – 93 – 6 – 91 – 9

Mountain .................................................................. – 91 – 9 – 90 – 10

Pacific ...................................................................... – 88 – 12 2 93 – 5

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the

participant pay a percentage of costs (coinsurance), or a requirement that the participant

pay a specific amount (deductible or copayment) before reimbursement begins or services

are rendered. 2 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, 2010." See Technical Note for more details. 3 Less than 0.5.

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.
Table 32. Standard errors for outpatient mental health care benefits: Extent of

coverage by type of plan, state and local government workers, National

Compensation Survey, 2011

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 0.3 0.8 – –

Worker characteristic

Management, professional, and related .................. 0.3 1.0 – –

Professional and related ...................................... 0.3 0.9 – –

Teachers .......................................................... 0.5 1.0 – –

Primary, secondary, and special education

school teachers .......................................... 0.6 1.2 – 1.2

Service ..................................................................... 0.5 1.0 – –

Protective service ................................................ – 1.6 – 1.4

Sales and office ....................................................... – 1.2 – 1.1

Office and administrative support ........................ – 1.2 – 1.2

Natural resources, construction, and maintenance 1.0 1.9 – 1.6

Production, transportation, and material moving ..... – 2.1 – 2.1

Full time ................................................................... 0.3 0.8 – –

Part time .................................................................. – 1.6 – 0.9

Union ....................................................................... 0.6 0.9 – –

Nonunion ................................................................. – 1.2 – 1.1

Average wage within the following categories:2

Lowest 25 percent ............................................... – 1.2 – 1.1

Lowest 10 percent ........................................... – 1.7 – 1.7

Second 25 percent ............................................... – 1.1 0.1 –

Third 25 percent ................................................... 0.3 1.1 – –

Highest 25 percent ............................................... 0.5 1.1 – –

Highest 10 percent ........................................... 0.7 1.2 – –

Establishment characteristic

Service-providing industries ..................................... 0.3 0.8 – –

Education and health services ............................. 0.5 0.9 – –

Educational services ........................................ 0.5 1.0 – –

Elementary and secondary schools ............. 0.5 1.3 – 1.2

Junior colleges, colleges, and universities ... – 1.4 – 1.1

Health care and social assistance ................... – 2.0 – 1.8

Hospitals ...................................................... – 3.0 – 2.7

Public administration ............................................ 0.5 1.4 – –

1 to 99 workers ........................................................ 0.1 2.1 – –

1 to 49 workers .................................................... – 2.3 – 2.3

50 to 99 workers .................................................. – 3.4 – 3.4

100 workers or more ................................................ 0.4 0.8 – –

100 to 499 workers .............................................. 0.6 1.3 – –

500 workers or more ............................................ 0.4 0.9 – –

State government .................................................... – 1.5 – 1.4

Local government .................................................... 0.3 1.0 – –

See footnotes at end of table.
Table 32. Standard errors for outpatient mental health care benefits: Extent of coverage by type of plan, state and local

government workers, National Compensation Survey, 2011—Continued

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 0.3 1.0 – – 0.7 1.0 – –

Worker characteristic

Management, professional, and related .................. 0.4 1.3 – – 0.5 1.1 – –

Professional and related ...................................... 0.4 1.1 – – 0.6 1.2 – –

Teachers .......................................................... 0.5 1.3 – 1.2 1.1 1.9 – –

Primary, secondary, and special education

school teachers .......................................... 0.7 1.5 – 1.5 1.3 1.8 – 1.6

Service ..................................................................... – 1.3 – 1.2 – 1.6 – 1.3

Protective service ................................................ – 2.0 – 1.8 0.6 2.1 – –

Sales and office ....................................................... 0.2 1.3 – – – 3.1 – 2.0

Office and administrative support ........................ 0.2 1.4 – – – 3.0 – 1.8

Natural resources, construction, and maintenance – 2.4 – 2.1 – 2.7 – 2.2

Production, transportation, and material moving ..... – 2.6 – 2.5 – 3.3 – 3.9

Full time ................................................................... 0.3 1.0 – – 0.7 1.0 – –

Part time .................................................................. – 2.0 – 1.2 – 2.4 – 1.6

Union ....................................................................... 0.6 1.1 – – 1.1 1.3 – –

Nonunion ................................................................. – 1.4 – 1.4 – 1.6 – 1.4

Average wage within the following categories:2

Lowest 25 percent ............................................... – 1.4 – 1.4 – 2.1 – 1.4

Lowest 10 percent ........................................... – 2.1 – 2.1 – 1.5 – 1.3

Second 25 percent ............................................... 0.5 1.2 – – – 2.1 – 1.1

Third 25 percent ................................................... 0.3 1.2 – – 0.4 1.5 – –

Highest 25 percent ............................................... 0.6 1.5 – – 0.7 1.3 – –

Highest 10 percent ........................................... 0.9 1.7 – 1.4 0.9 1.6 – –

Establishment characteristic

Service-providing industries ..................................... 0.3 1.0 – – 0.7 1.0 – –

Education and health services ............................. 0.4 1.1 – – – 1.5 – 0.9

Educational services ........................................ 0.4 1.2 – 1.2 1.1 1.5 – –

Elementary and secondary schools ............. 0.6 1.6 – 1.5 1.0 1.7 – 1.4

Junior colleges, colleges, and universities ... 0.1 1.2 – 1.2 – 3.6 – 2.4

Health care and social assistance ................... – 2.8 – 2.3 – 3.8 – 0.4

Hospitals ...................................................... – 4.3 – 3.6 – 5.6 – 0.8

Public administration ............................................ – 2.0 – 1.9 0.4 1.3 – –

1 to 99 workers ........................................................ – 2.5 – 2.4 – 2.8 – 2.8

1 to 49 workers .................................................... – 2.8 – 2.8 – 0.8 – –

50 to 99 workers .................................................. – 3.9 – 3.9 – 6.4 – 6.4

100 workers or more ................................................ 0.3 1.1 – – 0.8 1.1 – –

100 to 499 workers .............................................. – 1.5 – 1.3 – 2.9 – 2.9

500 workers or more ............................................ 0.4 1.3 – – 1.0 1.1 – –

State government .................................................... 3 ( ) 1.9 – – – 2.3 – –

Local government .................................................... 0.4 1.2 – – 0.5 1.2 – –

See footnotes at end of table.
Table 32. Standard errors for outpatient mental health care benefits: Extent of

coverage by type of plan, state and local government workers, National

Compensation Survey, 2011—Continued

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... – 2.1 – 1.4

Middle Atlantic ......................................................... 1.1 1.1 – –

East North Central ................................................... 0.8 2.8 – 2.8

West North Central .................................................. – 3.7 – 2.2

South Atlantic ........................................................... – 2.4 – 2.3

West South Central .................................................. – 2.3 – 2.5

Mountain .................................................................. – 5.1 – 5.1

Pacific ...................................................................... 0.3 1.6 – 1.5

See footnotes at end of table.
Table 32. Standard errors for outpatient mental health care benefits: Extent of coverage by type of plan, state and local

government workers, National Compensation Survey, 2011—Continued

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... – 2.1 – 1.2 – 2.4 – 2.1

Middle Atlantic ......................................................... – 1.0 – 1.1 – – – –

East North Central ................................................... – 3.5 – 3.5 – 2.2 – 1.4

West North Central .................................................. – 3.0 – 2.6 – 15.7 – 2.5

South Atlantic ........................................................... – 3.4 – 3.3 – 2.3 – 1.8

West South Central .................................................. – 2.4 – 2.5 – 5.3 – 5.3

Mountain .................................................................. – 5.4 – 5.4 – 5.1 – 5.1

Pacific ...................................................................... – 2.6 – 2.7 0.4 1.7 – 1.5

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the

participant pay a percentage of costs (coinsurance), or a requirement that the participant

pay a specific amount (deductible or copayment) before reimbursement begins or services

are rendered. 2 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, 2010." See Technical Note for more details. 3 Less than 0.05.

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/glossary20102011.htm.
Table 33. Inpatient substance abuse detoxification benefits: Extent of

coverage by type of plan, state and local government workers, National

Compensation Survey, 2011

(All workers participating in medical care plans = 100 percent)

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 14 84 – –

Worker characteristic

Management, professional, and related .................. 14 85 – –

Professional and related ...................................... 13 85 – –

Teachers .......................................................... 13 86 – –

Primary, secondary, and special education

school teachers .......................................... 13 85 – –

Service ..................................................................... 14 84 – –

Protective service ................................................ 15 83 – 2

Sales and office ....................................................... 15 84 – –

Office and administrative support ........................ 15 83 – –

Natural resources, construction, and maintenance 12 85 – –

Production, transportation, and material moving ..... 19 75 – –

Full time ................................................................... 14 84 – –

Part time .................................................................. 14 85 – 1

Union ....................................................................... 23 76 – –

Nonunion ................................................................. 5 93 – –

Average wage within the following categories:3

Lowest 25 percent ............................................... 5 92 – –

Lowest 10 percent ........................................... – 93 – 4

Second 25 percent ............................................... 13 86 – –

Third 25 percent ................................................... 14 85 – 2

Highest 25 percent ............................................... 21 78 – –

Highest 10 percent ........................................... 29 71 – –

Establishment characteristic

Service-providing industries ..................................... 14 84 – –

Education and health services ............................. 12 86 – –

Educational services ........................................ 12 87 – –

Elementary and secondary schools ............. 13 85 – –

Junior colleges, colleges, and universities ... 9 90 – 2 ( )

Health care and social assistance ................... 14 83 – 3

Hospitals ...................................................... 14 83 – 3

Public administration ............................................ 16 82 – 2

1 to 99 workers ........................................................ 7 89 – –

1 to 49 workers .................................................... 5 91 – –

50 to 99 workers .................................................. 9 87 – –

100 workers or more ................................................ 15 84 – –

100 to 499 workers .............................................. 13 85 – 2

500 workers or more ............................................ 15 83 – –

State government .................................................... 15 84 – 2 ( )

Local government .................................................... 13 84 – –

See footnotes at end of table.
Table 33. Inpatient substance abuse detoxification benefits: Extent of coverage by type of plan, state and local

government workers, National Compensation Survey, 2011—Continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 8 90 – – 30 69 – 1

Worker characteristic

Management, professional, and related .................. 8 91 – – 29 70 – 1

Professional and related ...................................... 8 91 – – 30 70 – 2 ( )

Teachers .......................................................... 8 91 – – 30 70 – 2 ( )

Primary, secondary, and special education

school teachers .......................................... 8 90 – – 30 69 – 1

Service ..................................................................... 8 90 – – 28 71 – 1

Protective service ................................................ 9 89 – 2 29 70 – 1

Sales and office ....................................................... 7 90 – – 31 68 – 1

Office and administrative support ........................ 8 90 – – 32 67 – 1

Natural resources, construction, and maintenance 7 90 – – 28 70 – 1

Production, transportation, and material moving ..... 13 81 – – 35 59 – 6

Full time ................................................................... 8 90 – – 30 70 – 1

Part time .................................................................. – 93 – 1 31 69 – 2 ( )

Union ....................................................................... 15 83 – – 37 62 – 1

Nonunion ................................................................. 2 95 – – 15 84 – 1

Average wage within the following categories:3

Lowest 25 percent ............................................... 2 94 – – 16 84 – 1

Lowest 10 percent ........................................... – 93 – 5 – 93 – –

Second 25 percent ............................................... 8 90 – – 26 73 – 1

Third 25 percent ................................................... 9 90 – 2 28 70 – 2

Highest 25 percent ............................................... 12 86 – – 38 61 – 1

Highest 10 percent ........................................... 20 80 – – 42 58 – 2 ( )

Establishment characteristic

Service-providing industries ..................................... 8 90 – – 30 70 – 1

Education and health services ............................. 7 91 – – 28 72 – 2 ( )

Educational services ........................................ 7 92 – – 28 72 – 1

Elementary and secondary schools ............. 8 91 – – 30 69 – 1

Junior colleges, colleges, and universities ... 5 94 – 1 21 79 – –

Health care and social assistance ................... 10 86 – 3 27 73 – –

Hospitals ...................................................... 11 85 – 4 22 78 – –

Public administration ............................................ 9 89 – 3 31 68 – 1

1 to 99 workers ........................................................ 3 93 – – 27 73 – –

1 to 49 workers .................................................... – 96 – 4 28 72 – –

50 to 99 workers .................................................. 6 89 – – 24 76 – –

100 workers or more ................................................ 9 90 – – 30 69 – 1

100 to 499 workers .............................................. 10 88 – 2 28 72 – 1

500 workers or more ............................................ 8 90 – – 30 69 – 1

State government .................................................... 9 91 – 2 ( ) 31 69 – 2 ( )

Local government .................................................... 8 90 – – 29 70 – 1

See footnotes at end of table.
Table 33. Inpatient substance abuse detoxification benefits: Extent of

coverage by type of plan, state and local government workers, National

Compensation Survey, 2011—Continued

(All workers participating in medical care plans = 100 percent)

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... 26 72 – 2

Middle Atlantic ......................................................... 38 62 – 2 ( )

East North Central ................................................... 11 88 – 2

West North Central .................................................. 2 95 – –

South Atlantic ........................................................... 5 94 – 1

West South Central .................................................. – 95 – 3

Mountain .................................................................. – 96 – 1

Pacific ...................................................................... 28 71 – –

See footnotes at end of table.
Table 33. Inpatient substance abuse detoxification benefits: Extent of coverage by type of plan, state and local

government workers, National Compensation Survey, 2011—Continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... 20 79 – 1 33 64 – 3

Middle Atlantic ......................................................... 35 64 – 2 ( ) 46 54 – –

East North Central ................................................... 7 91 – 2 22 78 – 2 ( )

West North Central .................................................. – 97 – 2 18 77 – 5

South Atlantic ........................................................... 3 97 – 1 9 89 – 2

West South Central .................................................. – 95 – 4 – 96 – 3

Mountain .................................................................. – 98 – 1 – 90 – –

Pacific ...................................................................... – 93 – 1 47 53 – –

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the

participant pay a percentage of costs (coinsurance), or a requirement that the participant

pay a specific amount (deductible or copayment) before reimbursement begins or services

are rendered. 2 Less than 0.5. 3 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, 2010." 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.
Table 33. Standard errors for inpatient substance abuse detoxification

benefits: Extent of coverage by type of plan, state and local government

workers, National Compensation Survey, 2011

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 0.7 0.7 – –

Worker characteristic

Management, professional, and related .................. 0.7 0.8 – –

Professional and related ...................................... 0.7 0.8 – –

Teachers .......................................................... 0.9 0.9 – –

Primary, secondary, and special education

school teachers .......................................... 1.0 1.0 – –

Service ..................................................................... 1.0 1.1 – –

Protective service ................................................ 1.5 1.6 – 0.7

Sales and office ....................................................... 1.0 1.1 – –

Office and administrative support ........................ 1.1 1.2 – –

Natural resources, construction, and maintenance 1.3 1.5 – –

Production, transportation, and material moving ..... 3.0 3.5 – –

Full time ................................................................... 0.6 0.7 – –

Part time .................................................................. 2.2 2.3 – 0.4

Union ....................................................................... 1.1 1.1 – –

Nonunion ................................................................. 0.5 0.6 – –

Average wage within the following categories:3

Lowest 25 percent ............................................... 0.6 0.8 – –

Lowest 10 percent ........................................... – 1.4 – 1.3

Second 25 percent ............................................... 0.9 0.8 – –

Third 25 percent ................................................... 0.9 0.9 – 0.3

Highest 25 percent ............................................... 1.0 1.0 – –

Highest 10 percent ........................................... 1.8 1.8 – –

Establishment characteristic

Service-providing industries ..................................... 0.7 0.7 – –

Education and health services ............................. 0.7 0.8 – –

Educational services ........................................ 0.7 0.8 – –

Elementary and secondary schools ............. 0.8 0.9 – –

Junior colleges, colleges, and universities ... 1.1 1.1 – 0.3

Health care and social assistance ................... 2.0 2.4 – 1.6

Hospitals ...................................................... 2.5 3.3 – 2.4

Public administration ............................................ 1.0 1.1 – 0.6

1 to 99 workers ........................................................ 1.1 1.6 – –

1 to 49 workers .................................................... 1.2 2.0 – –

50 to 99 workers .................................................. 1.7 2.5 – –

100 workers or more ................................................ 0.7 0.7 – –

100 to 499 workers .............................................. 1.5 1.5 – 0.6

500 workers or more ............................................ 0.7 0.9 – –

State government .................................................... 0.9 1.0 – 0.2

Local government .................................................... 0.8 0.8 – –

See footnotes at end of table.
Table 33. Standard errors for inpatient substance abuse detoxification benefits: Extent of coverage by type of plan,

state and local government workers, National Compensation Survey, 2011—Continued

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 0.6 0.7 – – 1.4 1.4 – 0.3

Worker characteristic

Management, professional, and related .................. 0.6 0.7 – – 1.7 1.7 – 0.3

Professional and related ...................................... 0.7 0.8 – – 1.7 1.7 – 0.3

Teachers .......................................................... 0.8 1.0 – – 2.0 2.1 – 0.4

Primary, secondary, and special education

school teachers .......................................... 1.0 1.1 – – 2.0 2.0 – 0.5

Service ..................................................................... 0.9 1.0 – – 2.2 2.2 – 0.5

Protective service ................................................ 1.4 1.7 – 0.9 3.2 3.2 – 0.7

Sales and office ....................................................... 1.0 1.2 – – 2.1 2.3 – 0.4

Office and administrative support ........................ 1.0 1.3 – – 2.2 2.3 – 0.5

Natural resources, construction, and maintenance 1.3 1.6 – – 3.8 3.8 – 0.5

Production, transportation, and material moving ..... 3.0 3.5 – – 6.1 6.5 – 2.3

Full time ................................................................... 0.6 0.7 – – 1.3 1.4 – 0.3

Part time .................................................................. – 2.1 – 0.6 4.4 4.4 – 2 ( )

Union ....................................................................... 1.2 1.2 – – 1.6 1.7 – 0.3

Nonunion ................................................................. 0.4 0.6 – – 1.6 1.6 – 0.7

Average wage within the following categories:3

Lowest 25 percent ............................................... 0.5 0.9 – – 1.8 1.9 – 0.5

Lowest 10 percent ........................................... – 1.6 – 1.5 – 2.7 – –

Second 25 percent ............................................... 0.9 0.9 – – 1.7 1.8 – 0.4

Third 25 percent ................................................... 0.8 0.9 – 0.4 2.1 2.2 – 0.6

Highest 25 percent ............................................... 0.9 1.0 – – 1.9 1.9 – 0.3

Highest 10 percent ........................................... 2.0 2.0 – – 2.5 2.6 – 0.3

Establishment characteristic

Service-providing industries ..................................... 0.6 0.7 – – 1.4 1.4 – 0.3

Education and health services ............................. 0.7 0.9 – – 1.5 1.5 – 0.3

Educational services ........................................ 0.7 0.8 – – 1.6 1.7 – 0.4

Elementary and secondary schools ............. 0.8 1.0 – – 1.7 1.8 – 0.5

Junior colleges, colleges, and universities ... 0.8 0.9 – 0.4 2.3 2.3 – –

Health care and social assistance ................... 2.1 2.8 – 2.1 3.3 3.3 – –

Hospitals ...................................................... 2.9 4.1 – 3.1 4.1 4.1 – –

Public administration ............................................ 0.9 1.3 – 0.9 2.2 2.2 – 0.4

1 to 99 workers ........................................................ 0.6 1.7 – – 4.9 4.9 – –

1 to 49 workers .................................................... – 2.1 – 2.1 7.1 7.1 – –

50 to 99 workers .................................................. 1.5 2.7 – – 5.7 5.7 – –

100 workers or more ................................................ 0.7 0.8 – – 1.5 1.5 – 0.3

100 to 499 workers .............................................. 1.6 1.6 – 0.7 4.3 4.3 – 0.4

500 workers or more ............................................ 0.6 0.8 – – 1.7 1.7 – 0.4

State government .................................................... 0.6 0.7 – 0.2 2.8 2.9 – 0.5

Local government .................................................... 0.8 0.9 – – 1.4 1.4 – 0.4

See footnotes at end of table.
Table 33. Standard errors for inpatient substance abuse detoxification

benefits: Extent of coverage by type of plan, state and local government

workers, National Compensation Survey, 2011—Continued

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... 4.7 4.3 – 1.3

Middle Atlantic ......................................................... 2.7 2.6 – 0.1

East North Central ................................................... 1.8 1.9 – 0.7

West North Central .................................................. 0.4 1.2 – –

South Atlantic ........................................................... 0.7 0.7 – 0.4

West South Central .................................................. – 1.5 – 1.6

Mountain .................................................................. – 1.2 – 1.0

Pacific ...................................................................... 2.4 2.4 – –

See footnotes at end of table.
Table 33. Standard errors for inpatient substance abuse detoxification benefits: Extent of coverage by type of plan,

state and local government workers, National Compensation Survey, 2011—Continued

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... 5.1 3.8 – 1.4 6.2 7.2 – 2.4

Middle Atlantic ......................................................... 3.9 3.9 – 0.1 2.8 2.8 – –

East North Central ................................................... 1.9 2.1 – 1.0 3.7 3.8 – 0.2

West North Central .................................................. – 1.2 – 1.2 4.6 6.6 – 2.5

South Atlantic ........................................................... 0.5 0.6 – 0.4 1.8 1.9 – 0.9

West South Central .................................................. – 1.7 – 1.8 – 3.1 – 2.6

Mountain .................................................................. – 1.5 – 1.4 – 6.1 – –

Pacific ...................................................................... – 2.4 – 0.7 2.8 2.8 – –

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the

participant pay a percentage of costs (coinsurance), or a requirement that the participant

pay a specific amount (deductible or copayment) before reimbursement begins or services

are rendered. 2 Less than 0.05. 3 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, 2010." 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/glossary20102011.htm.
Table 34. Inpatient substance abuse rehabilitation benefits: Extent of

coverage by type of plan, state and local government workers, National

Compensation Survey, 2011

(All workers participating in medical care plans = 100 percent)

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 12 75 3 10

Worker characteristic

Management, professional, and related .................. 12 77 3 9

Professional and related ...................................... 12 77 3 9

Teachers .......................................................... 11 79 3 8

Primary, secondary, and special education

school teachers .......................................... 11 78 3 9

Service ..................................................................... 12 74 – –

Protective service ................................................ 13 70 – –

Sales and office ....................................................... 12 74 3 11

Office and administrative support ........................ 13 73 3 11

Natural resources, construction, and maintenance 10 76 3 11

Production, transportation, and material moving ..... 13 69 – –

Full time ................................................................... 12 75 3 10

Part time .................................................................. 12 79 – –

Union ....................................................................... 20 68 2 11

Nonunion ................................................................. 4 83 4 9

Average wage within the following categories:2

Lowest 25 percent ............................................... 4 81 – –

Lowest 10 percent ........................................... – 84 – 11

Second 25 percent ............................................... 11 76 3 10

Third 25 percent ................................................... 12 76 3 9

Highest 25 percent ............................................... 17 70 3 10

Highest 10 percent ........................................... 24 64 2 10

Establishment characteristic

Service-providing industries ..................................... 12 75 3 10

Education and health services ............................. 11 78 3 8

Educational services ........................................ 10 79 3 8

Elementary and secondary schools ............. 11 77 3 9

Junior colleges, colleges, and universities ... 9 85 – –

Health care and social assistance ................... 14 70 4 12

Hospitals ...................................................... 13 70 – –

Public administration ............................................ 14 71 3 12

1 to 99 workers ........................................................ 6 80 – –

1 to 49 workers .................................................... 4 83 – –

50 to 99 workers .................................................. 8 76 – –

100 workers or more ................................................ 12 75 3 10

100 to 499 workers .............................................. 11 77 4 8

500 workers or more ............................................ 13 74 3 10

State government .................................................... 15 79 – –

Local government .................................................... 11 74 3 12

See footnotes at end of table.
Table 34. Inpatient substance abuse rehabilitation benefits: Extent of coverage by type of plan, state and local

government workers, National Compensation Survey, 2011—Continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 7 80 3 9 23 62 2 12

Worker characteristic

Management, professional, and related .................. 7 82 3 8 23 63 2 12

Professional and related ...................................... 7 82 3 8 23 64 2 12

Teachers .......................................................... 7 84 – – 23 63 – –

Primary, secondary, and special education

school teachers .......................................... 7 82 – – 22 63 – –

Service ..................................................................... 7 79 – – 23 63 3 12

Protective service ................................................ 8 76 – – 24 59 – –

Sales and office ....................................................... 7 80 4 10 25 59 2 13

Office and administrative support ........................ 7 79 4 10 26 58 2 14

Natural resources, construction, and maintenance 7 80 – – 21 63 – –

Production, transportation, and material moving ..... 11 73 – – – – – –

Full time ................................................................... 8 80 3 9 23 62 3 13

Part time .................................................................. – 86 – 5 28 64 – 8

Union ....................................................................... 14 75 – – 29 55 2 14

Nonunion ................................................................. 2 85 4 9 12 76 4 8

Average wage within the following categories:2

Lowest 25 percent ............................................... 2 83 – – 13 74 – –

Lowest 10 percent ........................................... – 85 – 10 – 79 – 14

Second 25 percent ............................................... 7 81 3 9 21 64 3 12

Third 25 percent ................................................... 8 81 3 8 23 61 – –

Highest 25 percent ............................................... 12 77 3 8 29 57 2 13

Highest 10 percent ........................................... 19 71 2 8 30 55 – –

Establishment characteristic

Service-providing industries ..................................... 7 80 3 9 23 62 2 13

Education and health services ............................. 7 83 3 7 22 64 2 12

Educational services ........................................ 6 84 3 7 22 64 – –

Elementary and secondary schools ............. 7 82 3 8 23 61 2 14

Junior colleges, colleges, and universities ... 6 89 – – 19 74 – –

Health care and social assistance ................... 10 73 5 13 24 63 – –

Hospitals ...................................................... 11 72 – – 19 65 – –

Public administration ............................................ 8 77 – – 25 61 3 12

1 to 99 workers ........................................................ 3 81 – – 22 74 – –

1 to 49 workers .................................................... – 84 – 13 23 76 – –

50 to 99 workers .................................................. 5 77 – – 21 71 – –

100 workers or more ................................................ 8 80 3 8 23 61 2 13

100 to 499 workers .............................................. 9 79 4 8 21 68 – –

500 workers or more ............................................ 8 81 3 9 24 60 2 14

State government .................................................... 9 83 – – 29 69 – –

Local government .................................................... 7 80 3 11 21 59 3 17

See footnotes at end of table.
Table 34. Inpatient substance abuse rehabilitation benefits: Extent of

coverage by type of plan, state and local government workers, National

Compensation Survey, 2011—Continued

(All workers participating in medical care plans = 100 percent)

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... 22 69 – –

Middle Atlantic ......................................................... 33 61 – –

East North Central ................................................... 10 81 – –

West North Central .................................................. 2 93 1 4

South Atlantic ........................................................... 4 77 – –

West South Central .................................................. – 91 – 7

Mountain .................................................................. – 83 – 14

Pacific ...................................................................... 22 56 3 19

See footnotes at end of table.
Table 34. Inpatient substance abuse rehabilitation benefits: Extent of coverage by type of plan, state and local

government workers, National Compensation Survey, 2011—Continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... 23 67 – – 22 72 – 6

Middle Atlantic ......................................................... 33 62 – – 33 60 – –

East North Central ................................................... 7 82 – – 20 77 – 3

West North Central .................................................. – 95 1 – 18 77 – 5

South Atlantic ........................................................... 2 80 – – 9 70 – –

West South Central .................................................. – 92 – 6 – 88 – 9

Mountain .................................................................. – 84 – 15 – 79 – 13

Pacific ...................................................................... – 75 – 18 – – – –

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the

participant pay a percentage of costs (coinsurance), or a requirement that the participant

pay a specific amount (deductible or copayment) before reimbursement begins or services

are rendered. 2 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, 2010." 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.
Table 34. Standard errors for inpatient substance abuse rehabilitation

benefits: Extent of coverage by type of plan, state and local government

workers, National Compensation Survey, 2011

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 0.6 1.1 0.5 0.9

Worker characteristic

Management, professional, and related .................. 0.6 1.2 0.4 1.1

Professional and related ...................................... 0.7 1.2 0.5 0.9

Teachers .......................................................... 0.8 1.4 0.7 1.0

Primary, secondary, and special education

school teachers .......................................... 0.9 1.6 0.8 1.1

Service ..................................................................... 0.9 1.8 – –

Protective service ................................................ 1.3 2.6 – –

Sales and office ....................................................... 0.9 1.6 0.6 1.3

Office and administrative support ........................ 1.0 1.7 0.6 1.3

Natural resources, construction, and maintenance 1.0 1.9 0.8 1.5

Production, transportation, and material moving ..... 2.7 3.3 – –

Full time ................................................................... 0.6 1.1 0.5 0.9

Part time .................................................................. 2.2 3.0 – –

Union ....................................................................... 0.9 1.3 0.5 0.9

Nonunion ................................................................. 0.4 1.5 0.9 1.2

Average wage within the following categories:2

Lowest 25 percent ............................................... 0.5 1.8 – –

Lowest 10 percent ........................................... – 2.2 – 1.9

Second 25 percent ............................................... 0.8 1.3 0.5 1.2

Third 25 percent ................................................... 0.8 1.5 0.5 1.3

Highest 25 percent ............................................... 0.8 1.3 0.5 1.0

Highest 10 percent ........................................... 1.4 1.7 0.6 1.0

Establishment characteristic

Service-providing industries ..................................... 0.6 1.1 0.5 0.9

Education and health services ............................. 0.7 1.3 0.5 0.9

Educational services ........................................ 0.7 1.4 0.6 1.0

Elementary and secondary schools ............. 0.7 1.5 0.6 1.2

Junior colleges, colleges, and universities ... 1.1 2.0 – –

Health care and social assistance ................... 2.0 3.5 1.0 2.6

Hospitals ...................................................... 2.5 4.9 – –

Public administration ............................................ 1.0 1.7 0.8 1.6

1 to 99 workers ........................................................ 0.8 2.2 – –

1 to 49 workers .................................................... 0.8 2.6 – –

50 to 99 workers .................................................. 1.5 3.9 – –

100 workers or more ................................................ 0.6 1.2 0.5 1.0

100 to 499 workers .............................................. 1.4 2.1 1.0 1.3

500 workers or more ............................................ 0.6 1.4 0.5 1.1

State government .................................................... 0.9 1.8 – –

Local government .................................................... 0.7 1.2 0.5 1.0

See footnotes at end of table.
Table 34. Standard errors for inpatient substance abuse rehabilitation benefits: Extent of coverage by type of plan,

state and local government workers, National Compensation Survey, 2011—Continued

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 0.6 1.3 0.7 0.9 1.1 1.5 0.5 1.2

Worker characteristic

Management, professional, and related .................. 0.6 1.4 0.6 1.2 1.4 1.6 0.4 1.2

Professional and related ...................................... 0.7 1.4 0.6 1.1 1.7 1.8 0.4 1.4

Teachers .......................................................... 0.8 1.6 – – 2.2 2.3 – –

Primary, secondary, and special education

school teachers .......................................... 0.9 1.8 – – 1.9 2.8 – –

Service ..................................................................... 0.8 2.1 – – 2.3 2.8 0.9 2.0

Protective service ................................................ 1.3 3.4 – – 3.3 4.1 – –

Sales and office ....................................................... 0.9 1.8 0.8 1.4 1.9 2.7 0.5 2.2

Office and administrative support ........................ 1.0 1.9 0.8 1.5 2.0 2.7 0.5 2.2

Natural resources, construction, and maintenance 1.2 2.3 – – 2.4 4.3 – –

Production, transportation, and material moving ..... 2.9 3.7 – – – – – –

Full time ................................................................... 0.6 1.3 0.7 0.9 1.1 1.6 0.5 1.3

Part time .................................................................. – 3.3 – 1.3 4.7 4.7 – 3.0

Union ....................................................................... 1.1 1.6 – – 1.5 1.9 0.4 1.4

Nonunion ................................................................. 0.4 1.6 1.0 1.3 1.3 2.1 0.9 1.7

Average wage within the following categories:2

Lowest 25 percent ............................................... 0.5 2.1 – – 1.4 2.7 – –

Lowest 10 percent ........................................... – 2.4 – 2.1 – 5.2 – 4.3

Second 25 percent ............................................... 0.8 1.6 0.5 1.3 1.7 2.1 0.9 1.4

Third 25 percent ................................................... 0.7 1.5 0.7 1.0 1.9 2.7 – –

Highest 25 percent ............................................... 0.9 1.7 0.6 1.3 1.5 1.7 0.5 1.1

Highest 10 percent ........................................... 2.0 2.4 0.6 1.3 2.1 2.5 – –

Establishment characteristic

Service-providing industries ..................................... 0.6 1.3 0.7 0.9 1.1 1.5 0.5 1.2

Education and health services ............................. 0.7 1.5 0.6 1.0 1.5 2.0 0.5 1.3

Educational services ........................................ 0.6 1.5 0.7 1.1 1.7 2.2 – –

Elementary and secondary schools ............. 0.8 1.8 0.8 1.5 1.8 2.7 0.5 1.9

Junior colleges, colleges, and universities ... 0.9 2.0 – – 2.4 3.9 – –

Health care and social assistance ................... 2.1 4.0 1.3 3.4 3.2 5.3 – –

Hospitals ...................................................... 2.9 5.7 – – 4.0 7.3 – –

Public administration ............................................ 0.9 2.2 – – 2.2 2.5 0.7 1.5

1 to 99 workers ........................................................ 0.6 2.6 – – 3.7 4.6 – –

1 to 49 workers .................................................... – 3.3 – 3.2 4.6 4.6 – –

50 to 99 workers .................................................. 1.3 4.4 – – 5.5 8.2 – –

100 workers or more ................................................ 0.7 1.5 0.7 1.0 1.3 1.6 0.5 1.3

100 to 499 workers .............................................. 1.5 2.3 1.1 1.4 3.4 4.3 – –

500 workers or more ............................................ 0.6 1.6 0.7 1.2 1.3 1.8 0.6 1.4

State government .................................................... 0.7 2.5 – – 2.7 2.9 – –

Local government .................................................... 0.8 1.4 0.6 1.0 1.1 2.0 0.5 1.8

See footnotes at end of table.
Table 34. Standard errors for inpatient substance abuse rehabilitation

benefits: Extent of coverage by type of plan, state and local government

workers, National Compensation Survey, 2011—Continued

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... 3.7 4.2 – –

Middle Atlantic ......................................................... 2.3 2.5 – –

East North Central ................................................... 1.6 2.5 – –

West North Central .................................................. 0.4 1.6 0.1 1.4

South Atlantic ........................................................... 0.5 3.5 – –

West South Central .................................................. – 2.3 – 2.5

Mountain .................................................................. – 3.6 – 3.3

Pacific ...................................................................... 2.1 3.1 0.8 1.6

See footnotes at end of table.
Table 34. Standard errors for inpatient substance abuse rehabilitation benefits: Extent of coverage by type of plan,

state and local government workers, National Compensation Survey, 2011—Continued

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... 5.9 5.4 – – 4.2 6.5 – 4.7

Middle Atlantic ......................................................... 3.6 3.9 – – 3.1 3.4 – –

East North Central ................................................... 1.9 3.1 – – 3.4 3.6 – 0.9

West North Central .................................................. – 1.6 0.1 – 4.6 6.6 – 2.5

South Atlantic ........................................................... 0.5 3.9 – – 1.6 3.8 – –

West South Central .................................................. – 2.3 – 2.4 – 5.7 – 5.3

Mountain .................................................................. – 4.1 – 3.4 – 7.6 – 5.6

Pacific ...................................................................... – 4.9 – 2.8 – – – –

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the

participant pay a percentage of costs (coinsurance), or a requirement that the participant

pay a specific amount (deductible or copayment) before reimbursement begins or services

are rendered. 2 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, 2010." 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/glossary20102011.htm.
Table 35. Outpatient substance abuse rehabilitation benefits: Extent of

coverage by type of plan, state and local government workers, National

Compensation Survey, 2011

(All workers participating in medical care plans = 100 percent)

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 4 85 1 11

Worker characteristic

Management, professional, and related .................. 3 86 1 10

Professional and related ...................................... 4 86 1 9

Teachers .......................................................... 4 86 – –

Primary, secondary, and special education

school teachers .......................................... 4 85 – –

Service ..................................................................... 4 84 – –

Protective service ................................................ 5 83 – –

Sales and office ....................................................... 3 84 – –

Office and administrative support ........................ 3 84 – –

Natural resources, construction, and maintenance 4 83 – –

Production, transportation, and material moving ..... – 79 – 14

Full time ................................................................... 4 85 1 11

Part time .................................................................. – 89 – 7

Union ....................................................................... 6 82 – –

Nonunion ................................................................. 1 88 1 10

Average wage within the following categories:2

Lowest 25 percent ............................................... 2 86 – –

Lowest 10 percent ........................................... – 87 – 11

Second 25 percent ............................................... 3 85 – –

Third 25 percent ................................................... 3 87 – –

Highest 25 percent ............................................... 6 82 – –

Highest 10 percent ........................................... 8 80 – –

Establishment characteristic

Service-providing industries ..................................... 4 85 1 11

Education and health services ............................. 4 86 – –

Educational services ........................................ 4 87 – –

Elementary and secondary schools ............. 4 85 – –

Junior colleges, colleges, and universities ... – 93 – 4

Health care and social assistance ................... – 82 – 13

Hospitals ...................................................... – 78 – 16

Public administration ............................................ 4 83 – –

1 to 99 workers ........................................................ 3 ( ) 86 – –

1 to 49 workers .................................................... – 89 – 11

50 to 99 workers .................................................. 3 ( ) 82 – –

100 workers or more ................................................ 4 85 1 10

100 to 499 workers .............................................. 4 87 – –

500 workers or more ............................................ 4 84 1 11

State government .................................................... 3 94 – –

Local government .................................................... 4 82 1 13

See footnotes at end of table.
Table 35. Outpatient substance abuse rehabilitation benefits: Extent of coverage by type of plan, state and local

government workers, National Compensation Survey, 2011—Continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 4 86 1 10 3 83 – –

Worker characteristic

Management, professional, and related .................. 4 87 – – 3 85 – –

Professional and related ...................................... 4 87 – – 3 84 – –

Teachers .......................................................... 4 88 – – 5 82 – –

Primary, secondary, and special education

school teachers .......................................... 4 86 – – 5 82 – –

Service ..................................................................... 4 85 – – 4 83 – –

Protective service ................................................ 5 82 – – 3 84 – –

Sales and office ....................................................... 3 86 – – – 81 – 15

Office and administrative support ........................ 3 85 – – – 81 – 15

Natural resources, construction, and maintenance – 83 – 13 – 85 – 9

Production, transportation, and material moving ..... – 79 – 13 – 79 – 16

Full time ................................................................... 4 85 1 10 3 83 – –

Part time .................................................................. – 91 – 5 – 86 – 11

Union ....................................................................... 7 83 – – 5 79 – –

Nonunion ................................................................. 1 88 – – – 91 – 6

Average wage within the following categories:2

Lowest 25 percent ............................................... – 87 – 11 – 85 – 12

Lowest 10 percent ........................................... – 87 – 10 – 87 – 12

Second 25 percent ............................................... 3 86 – – – 84 – 11

Third 25 percent ................................................... 3 87 – – 2 84 – –

Highest 25 percent ............................................... 6 83 – – 4 82 – –

Highest 10 percent ........................................... 10 80 – – 4 79 – –

Establishment characteristic

Service-providing industries ..................................... 4 86 1 10 3 83 – –

Education and health services ............................. 3 88 – – – 82 – 12

Educational services ........................................ 3 89 – – 5 82 – –

Elementary and secondary schools ............. 4 86 – – 5 81 – –

Junior colleges, colleges, and universities ... 2 95 – 3 – 85 – 9

Health care and social assistance ................... 3 81 – – – 85 – 12

Hospitals ...................................................... – 78 – 15 – 78 – 18

Public administration ............................................ 5 82 – – 2 85 – –

1 to 99 workers ........................................................ – 84 – 15 3 ( ) 97 – 3

1 to 49 workers .................................................... – 87 – 13 – 100 – –

50 to 99 workers .................................................. – 80 – 17 – 93 – 6

100 workers or more ................................................ 4 86 – – 4 82 – –

100 to 499 workers .............................................. 4 86 – – – 89 – 8

500 workers or more ............................................ 4 86 – – 4 81 – –

State government .................................................... 3 92 – 5 – 97 – –

Local government .................................................... 4 83 1 12 4 78 – –

See footnotes at end of table.
Table 35. Outpatient substance abuse rehabilitation benefits: Extent of

coverage by type of plan, state and local government workers, National

Compensation Survey, 2011—Continued

(All workers participating in medical care plans = 100 percent)

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... – 91 – 6

Middle Atlantic ......................................................... 16 75 – –

East North Central ................................................... 4 86 – 10

West North Central .................................................. – 87 – 10

South Atlantic ........................................................... – 86 – 11

West South Central .................................................. – 91 – 7

Mountain .................................................................. – 87 – 12

Pacific ...................................................................... 1 81 – –

See footnotes at end of table.
Table 35. Outpatient substance abuse rehabilitation benefits: Extent of coverage by type of plan, state and local

government workers, National Compensation Survey, 2011—Continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... – 89 – 9 – 93 – 4

Middle Atlantic ......................................................... 19 78 – 3 – – – –

East North Central ................................................... – 85 – 12 7 89 – 3

West North Central .................................................. – 88 – 11 – 81 – 5

South Atlantic ........................................................... – 85 – 11 – 86 – 11

West South Central .................................................. – 91 – 7 – 90 – 9

Mountain .................................................................. – 86 – 13 – 90 – 10

Pacific ...................................................................... – 80 – 18 2 83 – –

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the

participant pay a percentage of costs (coinsurance), or a requirement that the participant

pay a specific amount (deductible or copayment) before reimbursement begins or services

are rendered. 2 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, 2010." See Technical Note for more details. 3 Less than 0.5.

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.
Table 35. Standard errors for outpatient substance abuse rehabilitation

benefits: Extent of coverage by type of plan, state and local government

workers, National Compensation Survey, 2011

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 0.4 0.8 0.2 0.7

Worker characteristic

Management, professional, and related .................. 0.4 1.0 0.2 0.9

Professional and related ...................................... 0.4 1.0 0.2 0.8

Teachers .......................................................... 0.5 1.2 – –

Primary, secondary, and special education

school teachers .......................................... 0.6 1.3 – –

Service ..................................................................... 0.6 1.2 – –

Protective service ................................................ 0.9 1.9 – –

Sales and office ....................................................... 0.8 1.4 – –

Office and administrative support ........................ 0.9 1.4 – –

Natural resources, construction, and maintenance 1.0 2.0 – –

Production, transportation, and material moving ..... – 2.7 – 2.1

Full time ................................................................... 0.4 0.9 0.2 0.8

Part time .................................................................. – 1.9 – 1.3

Union ....................................................................... 0.7 1.1 – –

Nonunion ................................................................. 0.3 1.1 0.3 1.1

Average wage within the following categories:2

Lowest 25 percent ............................................... 0.5 1.2 – –

Lowest 10 percent ........................................... – 1.9 – 1.8

Second 25 percent ............................................... 0.7 1.2 – –

Third 25 percent ................................................... 0.5 1.2 – –

Highest 25 percent ............................................... 0.5 1.2 – –

Highest 10 percent ........................................... 1.0 1.5 – –

Establishment characteristic

Service-providing industries ..................................... 0.4 0.9 0.2 0.7

Education and health services ............................. 0.5 1.0 – –

Educational services ........................................ 0.5 1.1 – –

Elementary and secondary schools ............. 0.5 1.3 – –

Junior colleges, colleges, and universities ... – 1.4 – 1.2

Health care and social assistance ................... – 2.8 – 2.7

Hospitals ...................................................... – 4.0 – 4.0

Public administration ............................................ 0.6 1.4 – –

1 to 99 workers ........................................................ 0.1 2.3 – –

1 to 49 workers .................................................... – 2.6 – 2.6

50 to 99 workers .................................................. 0.1 4.3 – –

100 workers or more ................................................ 0.5 0.9 0.2 0.8

100 to 499 workers .............................................. 1.0 1.5 – –

500 workers or more ............................................ 0.5 1.0 0.2 0.9

State government .................................................... 0.7 1.4 – –

Local government .................................................... 0.5 1.1 0.3 0.9

See footnotes at end of table.
Table 35. Standard errors for outpatient substance abuse rehabilitation benefits: Extent of coverage by type of plan,

state and local government workers, National Compensation Survey, 2011—Continued

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 0.5 1.1 0.2 1.0 0.8 1.1 – –

Worker characteristic

Management, professional, and related .................. 0.4 1.3 – – 0.6 1.4 – –

Professional and related ...................................... 0.5 1.2 – – 0.6 1.4 – –

Teachers .......................................................... 0.5 1.4 – – 1.0 2.3 – –

Primary, secondary, and special education

school teachers .......................................... 0.6 1.6 – – 1.2 2.3 – –

Service ..................................................................... 0.8 1.5 – – 1.0 2.0 – –

Protective service ................................................ 1.3 2.4 – – 0.8 2.5 – –

Sales and office ....................................................... 0.5 1.5 – – – 3.1 – 2.3

Office and administrative support ........................ 0.6 1.6 – – – 3.1 – 2.1

Natural resources, construction, and maintenance – 2.5 – 2.2 – 2.9 – 2.3

Production, transportation, and material moving ..... – 3.5 – 2.6 – 4.1 – 4.1

Full time ................................................................... 0.5 1.1 0.2 1.0 0.7 1.1 – –

Part time .................................................................. – 2.3 – 1.4 – 3.0 – 2.5

Union ....................................................................... 0.9 1.4 – – 1.1 1.4 – –

Nonunion ................................................................. 0.3 1.4 – – – 1.6 – 1.4

Average wage within the following categories:2

Lowest 25 percent ............................................... – 1.4 – 1.3 – 2.7 – 2.1

Lowest 10 percent ........................................... – 2.2 – 2.1 – 4.3 – 4.3

Second 25 percent ............................................... 0.6 1.4 – – – 2.1 – 1.3

Third 25 percent ................................................... 0.6 1.4 – – 0.5 1.7 – –

Highest 25 percent ............................................... 0.7 1.6 – – 0.6 1.3 – –

Highest 10 percent ........................................... 1.6 2.0 – – 0.7 2.2 – –

Establishment characteristic

Service-providing industries ..................................... 0.5 1.1 0.2 1.0 0.8 1.2 – –

Education and health services ............................. 0.4 1.2 – – – 1.7 – 0.9

Educational services ........................................ 0.4 1.3 – – 1.2 1.8 – –

Elementary and secondary schools ............. 0.5 1.6 – – 1.0 1.9 – –

Junior colleges, colleges, and universities ... 0.2 1.2 – 1.2 – 4.0 – 2.9

Health care and social assistance ................... 0.9 3.8 – – – 4.5 – 2.8

Hospitals ...................................................... – 5.6 – 5.0 – 6.4 – 4.3

Public administration ............................................ 0.8 2.1 – – 0.5 1.5 – –

1 to 99 workers ........................................................ – 2.7 – 2.7 0.1 2.8 – 2.8

1 to 49 workers .................................................... – 3.2 – 3.2 – 0.1 – –

50 to 99 workers .................................................. – 5.0 – 4.8 – 6.4 – 6.4

100 workers or more ................................................ 0.5 1.2 – – 0.8 1.2 – –

100 to 499 workers .............................................. 1.2 1.8 – – – 2.9 – 2.9

500 workers or more ............................................ 0.5 1.4 – – 1.0 1.4 – –

State government .................................................... 0.3 1.9 – 1.9 – 2.3 – –

Local government .................................................... 0.6 1.2 0.3 1.1 0.5 1.4 – –

See footnotes at end of table.
Table 35. Standard errors for outpatient substance abuse rehabilitation

benefits: Extent of coverage by type of plan, state and local government

workers, National Compensation Survey, 2011—Continued

Characteristics

All plans

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... – 3.2 – 2.2

Middle Atlantic ......................................................... 2.2 2.3 – –

East North Central ................................................... 1.0 2.6 – 2.6

West North Central .................................................. – 3.7 – 2.2

South Atlantic ........................................................... – 2.3 – 2.3

West South Central .................................................. – 2.6 – 2.5

Mountain .................................................................. – 3.6 – 3.3

Pacific ...................................................................... 0.2 1.8 – –

See footnotes at end of table.
Table 35. Standard errors for outpatient substance abuse rehabilitation benefits: Extent of coverage by type of plan,

state and local government workers, National Compensation Survey, 2011—Continued

Characteristics

Fee-for-service plan Health maintenance organization

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... – 2.3 – 2.3 – 4.8 – 2.4

Middle Atlantic ......................................................... 3.2 3.2 – 0.9 – – – –

East North Central ................................................... – 3.3 – 3.3 2.0 2.1 – 1.4

West North Central .................................................. – 3.0 – 2.6 – 15.7 – 2.5

South Atlantic ........................................................... – 3.4 – 3.3 – 2.8 – 2.4

West South Central .................................................. – 2.6 – 2.5 – 5.4 – 5.3

Mountain .................................................................. – 3.8 – 3.3 – 5.2 – 5.2

Pacific ...................................................................... – 3.0 – 2.9 0.2 1.7 – –

1 Limits may be set in terms of dollar or day ceiling on benefits, a requirement that the

participant pay a percentage of costs (coinsurance), or a requirement that the participant

pay a specific amount (deductible or copayment) before reimbursement begins or services

are rendered. 2 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, 2010." 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/glossary20102011.htm.
Table 36. High deductible1

 and non-high deductible health

plans: Summary of plan types,2 state and local government

workers, National Compensation Survey, 2011

(All workers participating in medical care plans = 100 percent)

Characteristics

High

deductible

health plans

Non-high

deductible health

plans

All workers ............................................................... 8 91

Worker characteristic

Management, professional, and related .................. 8 91

Professional and related ...................................... 8 91

Teachers .......................................................... 9 90

Primary, secondary, and special education

school teachers .......................................... 10 89

Service ..................................................................... 7 92

Protective service ................................................ 7 93

Sales and office ....................................................... 7 92

Office and administrative support ........................ 7 92

Natural resources, construction, and maintenance 8 91

Production, transportation, and material moving ..... 10 87

Full time ................................................................... 8 91

Part time .................................................................. 7 93

Union ....................................................................... 4 95

Nonunion ................................................................. 11 88

Average wage within the following categories:3

Lowest 25 percent ............................................... 10 88

Lowest 10 percent ........................................... 14 84

Second 25 percent ............................................... 7 93

Third 25 percent ................................................... 8 91

Highest 25 percent ............................................... 7 93

Highest 10 percent ........................................... 3 96

Establishment characteristic

Service-providing industries ..................................... 8 91

Education and health services ............................. 8 91

Educational services ........................................ 8 91

Elementary and secondary schools ............. 10 89

Junior colleges, colleges, and universities ... 4 95

Health care and social assistance ................... 8 92

Hospitals ...................................................... – 92

Public administration ............................................ 7 93

1 to 99 workers ........................................................ 11 87

1 to 49 workers .................................................... – 91

50 to 99 workers .................................................. 16 82

100 workers or more ................................................ 7 92

100 to 499 workers .............................................. 8 90

500 workers or more ............................................ 7 92

State government .................................................... 4 95

Local government .................................................... 9 90

See footnotes at end of table.
Table 36. High deductible1

 and non-high deductible health

plans: Summary of plan types,2 state and local government

workers, National Compensation Survey, 2011—Continued

(All workers participating in medical care plans = 100 percent)

Characteristics

High

deductible

health plans

Non-high

deductible health

plans

Geographic area

New England ........................................................... – 96

Middle Atlantic ......................................................... – 99

East North Central ................................................... 9 88

West North Central .................................................. 13 84

South Atlantic ........................................................... 8 90

West South Central .................................................. 16 83

Mountain .................................................................. – 88

Pacific ...................................................................... – 97

1 A high deductible health plan (HDHP) is

a health plan which typically has a higher

deductible and lower premium than a

traditional health plan. An individual plan must

have a minimum deductible of $1,200 to be

classified as a HDHP. Normally the plan

includes catastrophic coverage to protect

against large medical expenses, but the

insured is responsible for routine out-of-pocket

expenses. 2 The sum of the columns may not equal

100 since only plans with fixed, variable, or no

deductibles are included. Plans with other

deductible formulas are not included. 3 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, 2010." 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/glossary20102011.htm.
Table 36. Standard errors for high deductible1

 and non-high

deductible health plans: Summary of plan types, state and

local government workers, National Compensation Survey,

2011

Characteristics

High

deductible

health plans

Non-high

deductible health

plans

All workers ............................................................... 0.7 0.7

Worker characteristic

Management, professional, and related .................. 0.8 0.8

Professional and related ...................................... 0.8 0.8

Teachers .......................................................... 1.0 1.1

Primary, secondary, and special education

school teachers .......................................... 1.3 1.3

Service ..................................................................... 1.0 1.1

Protective service ................................................ 1.4 1.4

Sales and office ....................................................... 0.9 1.1

Office and administrative support ........................ 1.0 1.1

Natural resources, construction, and maintenance 1.4 1.4

Production, transportation, and material moving ..... 2.3 2.4

Full time ................................................................... 0.7 0.7

Part time .................................................................. 1.8 1.8

Union ....................................................................... 0.6 0.6

Nonunion ................................................................. 1.0 1.1

Average wage within the following categories:2

Lowest 25 percent ............................................... 1.2 1.4

Lowest 10 percent ........................................... 2.3 2.9

Second 25 percent ............................................... 0.7 0.7

Third 25 percent ................................................... 0.9 1.0

Highest 25 percent ............................................... 0.8 0.8

Highest 10 percent ........................................... 0.4 0.5

Establishment characteristic

Service-providing industries ..................................... 0.7 0.7

Education and health services ............................. 0.9 0.9

Educational services ........................................ 0.9 1.0

Elementary and secondary schools ............. 1.2 1.2

Junior colleges, colleges, and universities ... 0.9 1.2

Health care and social assistance ................... 1.5 1.5

Hospitals ...................................................... – 1.8

Public administration ............................................ 1.0 1.0

1 to 99 workers ........................................................ 2.2 2.1

1 to 49 workers .................................................... – 2.3

50 to 99 workers .................................................. 3.9 3.8

100 workers or more ................................................ 0.7 0.7

100 to 499 workers .............................................. 1.1 1.4

500 workers or more ............................................ 0.8 0.8

State government .................................................... 0.5 0.7

Local government .................................................... 0.9 0.9

See footnotes at end of table.
Table 36. Standard errors for high deductible1

 and non-high

deductible health plans: Summary of plan types, state and

local government workers, National Compensation Survey,

2011—Continued

Characteristics

High

deductible

health plans

Non-high

deductible health

plans

Geographic area

New England ........................................................... – 1.7

Middle Atlantic ......................................................... – 0.6

East North Central ................................................... 2.4 2.2

West North Central .................................................. 2.4 3.1

South Atlantic ........................................................... 1.6 1.9

West South Central .................................................. 2.8 2.8

Mountain .................................................................. – 4.8

Pacific ...................................................................... – 1.2

1 A high deductible health plan (HDHP) is

a health plan which typically has a higher

deductible and lower premium than a

traditional health plan. An individual plan must

have a minimum deductible of $1,200 to be

classified as a HDHP. Normally the plan

includes catastrophic coverage to protect

against large medical expenses, but the

insured is responsible for routine out-of-pocket

expenses. 2 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, 2010." 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/glossary20102011.htm.
Table 37. High deductible health plans:1

 Amount of annual individual deductible, state

and local government workers, National Compensation Survey, 2011

(Includes workers participating in high deductible health plans)

Characteristics

Amount of annual deductible

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................... $1,200 $1,500 $2,000 $2,500 $3,000

Worker characteristic

Management, professional, and related .................. 1,200 1,500 2,000 2,500 3,000

Professional and related ...................................... 1,200 1,500 2,000 2,500 3,000

Teachers .......................................................... 1,200 1,500 2,000 2,400 3,000

Primary, secondary, and special education

school teachers .......................................... 1,200 1,500 2,000 2,400 3,000

Service ..................................................................... 1,200 1,500 2,000 2,500 3,000

Protective service ................................................ 1,200 1,500 2,000 2,500 –

Sales and office ....................................................... 1,200 1,300 2,000 2,500 3,000

Office and administrative support ........................ 1,200 1,300 1,800 2,500 3,000

Natural resources, construction, and maintenance 1,250 1,500 – 2,500 3,000

Production, transportation, and material moving ..... 1,200 1,500 – 2,500 2,500

Full time ................................................................... 1,200 1,500 2,000 2,500 3,000

Part time .................................................................. 1,500 1,500 2,000 – –

Union ....................................................................... 1,250 1,500 2,000 2,500 3,000

Nonunion ................................................................. 1,200 1,500 2,000 2,500 3,000

Average wage within the following categories:2

Lowest 25 percent ............................................... 1,200 1,500 2,000 2,500 3,000

Lowest 10 percent ........................................... 1,200 1,500 2,000 2,500 –

Second 25 percent ............................................... 1,250 1,500 1,800 2,500 3,000

Third 25 percent ................................................... 1,200 1,300 1,500 2,400 3,000

Highest 25 percent ............................................... 1,200 1,300 2,000 2,500 3,000

Highest 10 percent ........................................... 1,200 1,250 1,500 2,300 –

Establishment characteristic

Service-providing industries ..................................... 1,200 1,500 2,000 2,500 3,000

Education and health services ............................. 1,200 1,500 2,000 2,500 3,000

Educational services ........................................ 1,200 1,500 1,800 2,400 3,000

Elementary and secondary schools ............. 1,200 1,500 2,000 2,500 3,000

Junior colleges, colleges, and universities ... 1,250 1,250 1,550 2,000 –

Health care and social assistance ................... 1,500 1,500 2,500 3,000 3,000

Public administration ............................................ 1,200 1,500 2,000 2,500 –

1 to 99 workers ........................................................ 1,250 1,500 2,000 2,500 3,000

50 to 99 workers .................................................. 1,250 1,500 2,000 2,500 2,500

100 workers or more ................................................ 1,200 1,500 1,800 2,500 3,000

100 to 499 workers .............................................. 1,200 1,500 2,400 3,000 –

500 workers or more ............................................ 1,200 1,300 1,500 2,300 3,000

State government .................................................... 1,200 1,250 1,700 2,500 3,000

Local government .................................................... 1,200 1,500 2,000 2,500 3,000

See footnotes at end of table.
Table 37. High deductible health plans:1

 Amount of annual individual deductible, state

and local government workers, National Compensation Survey, 2011—Continued

(Includes workers participating in high deductible health plans)

Characteristics

Amount of annual deductible

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Geographic area

East North Central ................................................... $1,500 $2,000 $2,500 $3,000 –

West North Central .................................................. 1,200 1,500 1,500 2,500 $3,000

South Atlantic ........................................................... 1,200 1,250 1,500 2,000 3,000

West South Central .................................................. 1,200 1,250 2,000 2,400 2,500

1 A high deductible health plan (HDHP) is a health plan which

typically has a higher deductible and lower premium than a

traditional health plan. An individual plan must have a minimum

deductible of $1,200 to be classified as a HDHP. Normally the plan

includes catastrophic coverage to protect against large medical

expenses, but the insured is responsible for routine out-of-pocket

expenses. 2 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, 2010." 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/glossary20102011.htm.
Table 37. Standard errors for high deductible health plans:1

 Amount of annual individual

deductible, state and local government workers, National Compensation Survey, 2011

Characteristics

Amount of annual deductible

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................... $0 $96 $332 $20 $0

Worker characteristic

Management, professional, and related .................. 0 149 279 98 0

Professional and related ...................................... 0 185 307 115 0

Teachers .......................................................... 0 334 485 284 196

Primary, secondary, and special education

school teachers .......................................... 0 293 489 211 219

Service ..................................................................... 0 230 502 0 0

Protective service ................................................ 0 255 411 98 –

Sales and office ....................................................... 14 136 449 0 344

Office and administrative support ........................ 14 111 397 0 329

Natural resources, construction, and maintenance 47 39 – 244 0

Production, transportation, and material moving ..... 22 0 – 135 0

Full time ................................................................... 0 192 373 20 0

Part time .................................................................. 0 71 290 – –

Union ....................................................................... 22 39 392 0 0

Nonunion ................................................................. 0 281 395 44 0

Average wage within the following categories:2

Lowest 25 percent ............................................... 20 39 39 0 0

Lowest 10 percent ........................................... 52 10 98 294 –

Second 25 percent ............................................... 64 0 329 0 533

Third 25 percent ................................................... 0 117 59 501 349

Highest 25 percent ............................................... 0 227 120 186 0

Highest 10 percent ........................................... 0 100 179 492 –

Establishment characteristic

Service-providing industries ..................................... 0 96 332 20 0

Education and health services ............................. 0 126 278 78 0

Educational services ........................................ 0 359 351 197 277

Elementary and secondary schools ............. 0 301 405 164 170

Junior colleges, colleges, and universities ... 47 110 148 257 –

Health care and social assistance ................... 0 0 106 636 0

Public administration ............................................ 34 147 595 140 –

1 to 99 workers ........................................................ 10 0 113 55 139

50 to 99 workers .................................................. 196 0 233 473 636

100 workers or more ................................................ 0 282 354 44 0

100 to 499 workers .............................................. 0 78 404 572 –

500 workers or more ............................................ 10 223 224 361 597

State government .................................................... 37 98 231 68 439

Local government .................................................... 0 68 288 20 0

See footnotes at end of table.
Table 37. Standard errors for high deductible health plans:1

 Amount of annual individual

deductible, state and local government workers, National Compensation Survey,

2011—Continued

Characteristics

Amount of annual deductible

10th

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Geographic area

East North Central ................................................... $0 $537 $0 $519 –

West North Central .................................................. 294 0 311 405 $0

South Atlantic ........................................................... 73 0 0 452 519

West South Central .................................................. 0 35 565 347 310

1 A high deductible health plan (HDHP) is a health plan which

typically has a higher deductible and lower premium than a

traditional health plan. An individual plan must have a minimum

deductible of $1,200 to be classified as a HDHP. Normally the plan

includes catastrophic coverage to protect against large medical

expenses, but the insured is responsible for routine out-of-pocket

expenses. 2 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, 2010." 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/glossary20102011.htm.
Table 38. Non-high deductible health plans: Amount of annual individual deductible, state and local government

workers, National Compensation Survey, 2011

(All workers participating in non-high deductible health plans = 100 percent)

Characteristics Total With

deductible

Amount of annual deductible

With no

10th deductible

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................... 100 73 $150 $250 $350 $500 $1,000 27

Worker characteristic

Management, professional, and related .................. 100 74 150 250 350 600 1,000 26

Professional and related ...................................... 100 75 150 250 350 600 1,000 25

Teachers .......................................................... 100 77 – 250 – 600 1,000 23

Primary, secondary, and special education

school teachers .......................................... 100 78 – 250 500 600 1,000 22

Service ..................................................................... 100 74 150 225 400 500 1,000 26

Protective service ................................................ 100 72 – 225 350 500 750 28

Sales and office ....................................................... 100 71 200 250 350 500 1,000 29

Office and administrative support ........................ 100 71 200 250 350 500 1,000 29

Natural resources, construction, and maintenance 100 77 – 200 300 500 – 23

Production, transportation, and material moving ..... 100 68 – 250 400 500 1,000 32

Full time ................................................................... 100 74 150 250 350 575 1,000 26

Part time .................................................................. 100 70 – – 300 500 – 30

Union ....................................................................... 100 65 100 200 250 500 600 35

Nonunion ................................................................. 100 82 200 250 500 600 1,000 18

Average wage within the following categories:1

Lowest 25 percent ............................................... 100 82 200 250 500 600 1,000 18

Lowest 10 percent ........................................... 100 84 200 300 500 1,000 1,000 16

Second 25 percent ............................................... 100 73 150 200 350 500 1,000 27

Third 25 percent ................................................... 100 73 150 250 350 500 1,000 27

Highest 25 percent ............................................... 100 69 100 225 345 500 850 31

Highest 10 percent ........................................... 100 63 100 200 300 500 – 37

Establishment characteristic

Service-providing industries ..................................... 100 73 150 250 350 500 1,000 27

Education and health services ............................. 100 76 150 250 400 600 1,000 24

Educational services ........................................ 100 76 150 250 – 600 1,000 24

Elementary and secondary schools ............. 100 77 – 250 500 600 1,000 23

Junior colleges, colleges, and universities ... 100 74 – 250 350 – 1,000 26

Health care and social assistance ................... 100 78 150 200 350 500 – 22

Hospitals ...................................................... 100 80 150 200 350 575 1,000 20

Public administration ............................................ 100 69 140 225 300 500 – 31

1 to 99 workers ........................................................ 100 81 140 250 – 600 1,000 19

1 to 49 workers .................................................... 100 80 150 250 500 600 1,000 20

50 to 99 workers .................................................. 100 81 – 225 350 – 1,000 19

100 workers or more ................................................ 100 73 150 250 350 500 1,000 27

100 to 499 workers .............................................. 100 83 – 225 350 500 1,000 17

500 workers or more ............................................ 100 69 – 250 350 600 1,000 31

State government .................................................... 100 69 – 250 350 600 1,000 31

Local government .................................................... 100 75 150 250 – 500 1,000 25

See footnotes at end of table.
Table 38. Non-high deductible health plans: Amount of annual individual deductible, state and local government

workers, National Compensation Survey, 2011—Continued

(All workers participating in non-high deductible health plans = 100 percent)

Characteristics Total With

deductible

Amount of annual deductible

With no

10th deductible

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Geographic area

New England ........................................................... 100 57 $100 – $250 $250 – 43

Middle Atlantic ......................................................... 100 77 100 – 250 – – 23

East North Central ................................................... 100 80 100 $200 250 400 $500 20

South Atlantic ........................................................... 100 78 200 250 – 600 800 22

West South Central .................................................. 100 87 250 350 500 500 750 13

Mountain .................................................................. 100 61 250 300 – 500 1,000 39

Pacific ...................................................................... 100 40 – 225 300 500 – 60

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, 2010." 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.
Table 38. Standard errors for non-high deductible health plans: Amount of annual individual deductible, state

and local government workers, National Compensation Survey, 2011

Characteristics With

deductible

Amount of annual deductible

With no

10th deductible

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................... 1.2 $5 $8 $36 $148 $97 1.2

Worker characteristic

Management, professional, and related .................. 1.3 10 0 49 71 109 1.3

Professional and related ...................................... 1.3 0 0 88 53 63 1.3

Teachers .......................................................... 1.4 – 0 – 20 45 1.4

Primary, secondary, and special education

school teachers .......................................... 1.3 – 16 128 20 90 1.3

Service ..................................................................... 1.5 10 32 86 119 59 1.5

Protective service ................................................ 2.0 – 31 67 0 111 2.0

Sales and office ....................................................... 1.9 29 11 37 101 152 1.9

Office and administrative support ........................ 1.9 43 20 43 133 106 1.9

Natural resources, construction, and maintenance 2.2 – 5 26 20 – 2.2

Production, transportation, and material moving ..... 3.8 – 29 118 60 42 3.8

Full time ................................................................... 1.2 11 0 42 91 78 1.2

Part time .................................................................. 3.6 – – 80 0 – 3.6

Union ....................................................................... 1.2 0 0 0 0 90 1.2

Nonunion ................................................................. 1.6 24 20 78 96 0 1.6

Average wage within the following categories:1

Lowest 25 percent ............................................... 2.0 47 10 115 140 0 2.0

Lowest 10 percent ........................................... 2.9 42 50 42 200 0 2.9

Second 25 percent ............................................... 1.9 5 49 28 106 186 1.9

Third 25 percent ................................................... 1.6 23 0 26 141 184 1.6

Highest 25 percent ............................................... 1.1 9 31 44 0 219 1.1

Highest 10 percent ........................................... 1.7 0 43 53 20 – 1.7

Establishment characteristic

Service-providing industries ..................................... 1.2 5 8 37 149 100 1.2

Education and health services ............................. 1.3 10 0 113 40 20 1.3

Educational services ........................................ 1.3 17 0 – 28 0 1.3

Elementary and secondary schools ............. 1.2 – 5 72 20 77 1.2

Junior colleges, colleges, and universities ... 3.3 – 10 91 – 0 3.3

Health care and social assistance ................... 3.2 26 40 0 88 – 3.2

Hospitals ...................................................... 4.1 3 12 55 163 145 4.1

Public administration ............................................ 1.9 38 29 61 0 – 1.9

1 to 99 workers ........................................................ 3.0 37 0 – 93 111 3.0

1 to 49 workers .................................................... 4.3 34 0 132 59 174 4.3

50 to 99 workers .................................................. 4.2 – 37 95 – 96 4.2

100 workers or more ................................................ 1.2 10 13 34 139 118 1.2

100 to 499 workers .............................................. 1.9 – 27 43 20 178 1.9

500 workers or more ............................................ 1.3 – 7 48 100 154 1.3

State government .................................................... 3.1 – 23 10 127 182 3.1

Local government .................................................... 1.0 15 5 – 130 87 1.0

See footnotes at end of table.
Table 38. Standard errors for non-high deductible health plans: Amount of annual individual deductible, state

and local government workers, National Compensation Survey, 2011—Continued

Characteristics With

deductible

Amount of annual deductible

With no

10th deductible

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Geographic area

New England ........................................................... 6.0 $0 – $0 $0 – 6.0

Middle Atlantic ......................................................... 1.0 0 – 0 – – 1.0

East North Central ................................................... 3.4 0 $35 30 87 $145 3.4

South Atlantic ........................................................... 3.4 7 0 – 0 0 3.4

West South Central .................................................. 2.5 0 0 0 0 67 2.5

Mountain .................................................................. 5.2 0 34 – 0 272 5.2

Pacific ...................................................................... 1.8 – 42 40 0 – 1.8

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, 2010." 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/glossary20102011.htm.
Table 39. Mental health care and substance abuse treatment benefits: Coverage for selected

services, state and local government workers, National Compensation Survey, 2011

(All workers participating in medical care plans = 100 percent)

Characteristics

Inpatient

mental health

care

Outpatient

mental health

care

Inpatient

substance abuse

detoxification

Inpatient

substance abuse

rehabilitation

Outpatient

substance abuse

 rehabilitation

All workers ............................................................... 98 91 98 87 89

Worker characteristic

Management, professional, and related .................. 99 92 99 88 89

Professional and related ...................................... 99 92 99 89 90

Teachers .......................................................... 99 92 99 90 90

Primary, secondary, and special education

school teachers .......................................... 98 91 98 89 89

Service ..................................................................... 98 91 98 86 88

Protective service ................................................ 98 91 98 83 87

Sales and office ....................................................... 98 91 98 86 88

Office and administrative support ........................ 98 91 98 86 87

Natural resources, construction, and maintenance 97 90 98 86 87

Production, transportation, and material moving ..... 94 88 94 82 85

Full time ................................................................... 98 91 98 87 88

Part time .................................................................. 100 94 99 91 92

Union ....................................................................... 99 91 99 87 88

Nonunion ................................................................. 98 92 98 87 89

Average wage within the following categories:1

Lowest 25 percent ............................................... 98 90 97 86 88

Lowest 10 percent ........................................... 96 91 96 87 88

Second 25 percent ............................................... 98 92 98 87 89

Third 25 percent ................................................... 98 92 98 88 90

Highest 25 percent ............................................... 98 91 99 88 88

Highest 10 percent ........................................... 99 91 99 88 87

Establishment characteristic

Service-providing industries ..................................... 98 91 98 87 89

Education and health services ............................. 99 92 99 89 90

Educational services ........................................ 99 92 99 89 91

Elementary and secondary schools ............. 98 91 98 88 89

Junior colleges, colleges, and universities ... 100 96 100 94 95

Health care and social assistance ................... 99 92 97 84 85

Hospitals ...................................................... 99 89 97 83 81

Public administration ............................................ 98 90 98 85 87

1 to 99 workers ........................................................ 97 90 96 86 86

1 to 49 workers .................................................... 97 92 97 87 89

50 to 99 workers .................................................. 97 87 96 84 83

100 workers or more ................................................ 98 92 99 87 89

100 to 499 workers .............................................. 97 92 98 88 91

500 workers or more ............................................ 99 91 99 87 88

State government .................................................... 100 96 100 94 97

Local government .................................................... 98 89 98 85 85

See footnotes at end of table.
Table 39. Mental health care and substance abuse treatment benefits: Coverage for selected

services, state and local government workers, National Compensation Survey, 2011—Continued

(All workers participating in medical care plans = 100 percent)

Characteristics

Inpatient

mental health

care

Outpatient

mental health

care

Inpatient

substance abuse

detoxification

Inpatient

substance abuse

rehabilitation

Outpatient

substance abuse

 rehabilitation

Geographic area

New England ........................................................... 97 95 98 92 94

Middle Atlantic ......................................................... 100 91 100 95 90

East North Central ................................................... 97 92 98 91 90

West North Central .................................................. 97 89 97 95 89

South Atlantic ........................................................... 99 90 99 81 88

West South Central .................................................. 96 93 96 92 91

Mountain .................................................................. 99 91 99 85 87

Pacific ...................................................................... 100 92 100 78 83

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, 2010." See Technical Note for more details.

NOTE: 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.
Table 39. Standard errors for mental health care and substance abuse treatment benefits: Coverage

for selected services, state and local government workers, National Compensation Survey, 2011

Characteristics

Inpatient

mental health

care

Outpatient

mental health

care

Inpatient

substance abuse

detoxification

Inpatient

substance abuse

rehabilitation

Outpatient

substance abuse

 rehabilitation

All workers ............................................................... 0.4 0.8 0.3 1.0 0.8

Worker characteristic

Management, professional, and related .................. 0.3 1.0 0.3 1.1 1.0

Professional and related ...................................... 0.3 0.8 0.4 1.0 0.9

Teachers .......................................................... 0.4 1.0 0.4 1.2 1.0

Primary, secondary, and special education

school teachers .......................................... 0.5 1.2 0.5 1.3 1.2

Service ..................................................................... 0.5 1.0 0.4 1.7 1.1

Protective service ................................................ 0.7 1.4 0.7 2.6 1.6

Sales and office ....................................................... 0.5 1.1 0.5 1.3 1.2

Office and administrative support ........................ 0.6 1.1 0.6 1.4 1.2

Natural resources, construction, and maintenance 0.8 1.6 0.8 1.6 1.7

Production, transportation, and material moving ..... 1.5 2.1 1.7 2.6 2.3

Full time ................................................................... 0.4 0.8 0.3 1.0 0.8

Part time .................................................................. 0.1 1.2 0.4 2.2 1.5

Union ....................................................................... 0.3 0.8 0.3 0.9 0.8

Nonunion ................................................................. 0.6 1.1 0.4 1.4 1.1

Average wage within the following categories:1

Lowest 25 percent ............................................... 0.7 1.1 0.7 1.7 1.1

Lowest 10 percent ........................................... 1.3 1.7 1.3 2.0 1.8

Second 25 percent ............................................... 0.4 0.9 0.3 1.2 1.0

Third 25 percent ................................................... 0.4 1.0 0.3 1.4 1.1

Highest 25 percent ............................................... 0.4 1.1 0.3 1.0 1.1

Highest 10 percent ........................................... 0.2 1.0 0.2 1.2 1.2

Establishment characteristic

Service-providing industries ..................................... 0.4 0.8 0.3 1.0 0.8

Education and health services ............................. 0.3 0.8 0.4 1.1 0.9

Educational services ........................................ 0.4 0.9 0.4 1.1 0.9

Elementary and secondary schools ............. 0.5 1.2 0.5 1.3 1.2

Junior colleges, colleges, and universities ... 0.3 1.2 0.3 1.6 1.3

Health care and social assistance ................... 0.6 2.1 1.6 2.8 2.9

Hospitals ...................................................... 0.9 3.2 2.4 4.0 4.3

Public administration ............................................ 0.7 1.3 0.6 1.7 1.4

1 to 99 workers ........................................................ 1.1 2.1 1.2 2.1 2.3

1 to 49 workers .................................................... 1.7 2.3 1.7 2.6 2.6

50 to 99 workers .................................................. 1.4 3.4 1.9 3.7 4.3

100 workers or more ................................................ 0.3 0.8 0.3 1.1 0.9

100 to 499 workers .............................................. 0.8 1.2 0.6 1.6 1.3

500 workers or more ............................................ 0.3 0.9 0.4 1.3 1.0

State government .................................................... 0.2 1.4 0.2 1.8 1.4

Local government .................................................... 0.5 1.0 0.4 1.0 0.9

See footnotes at end of table.
Table 39. Standard errors for mental health care and substance abuse treatment benefits: Coverage

for selected services, state and local government workers, National Compensation Survey,

2011—Continued

Characteristics

Inpatient

mental health

care

Outpatient

mental health

care

Inpatient

substance abuse

detoxification

Inpatient

substance abuse

rehabilitation

Outpatient

substance abuse

 rehabilitation

Geographic area

New England ........................................................... 1.8 1.4 1.3 2.7 2.2

Middle Atlantic ......................................................... 0.2 0.9 0.1 1.4 0.8

East North Central ................................................... 1.0 2.8 0.7 2.5 2.6

West North Central .................................................. 1.2 2.3 1.1 1.4 2.3

South Atlantic ........................................................... 0.4 2.3 0.4 3.7 2.2

West South Central .................................................. 2.1 2.3 1.4 2.2 2.5

Mountain .................................................................. 1.1 5.1 1.0 3.7 3.6

Pacific ...................................................................... 0.4 1.5 0.3 1.7 1.8

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, 2010." See Technical Note for more details.

NOTE: 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.
Table 40. Mental health care benefits: Median number of days or visits1

covered per year for

selected services by type of plan, state and local government workers, National Compensation

Survey, 2011

(Includes all workers participating in plans with specified day limits)

Characteristics

Inpatient care Outpatient care

All plans

Fee-forservice

plans

Health

maintenance

organizations

All plans

Fee-forservice

plans

Health

maintenance

organizations

All workers ............................................................... 30 30 30 30 30 26

Worker characteristic

Management, professional, and related .................. 30 30 30 30 30 26

Professional and related ...................................... 30 30 30 26 26 26

Teachers .......................................................... 30 30 30 26 26 26

Primary, secondary, and special education

school teachers .......................................... 30 30 30 26 26 26

Service ..................................................................... 30 30 30 30 30 30

Protective service ................................................ 30 30 30 30 30 –

Sales and office ....................................................... 30 30 30 30 30 25

Office and administrative support ........................ 30 30 30 30 30 –

Natural resources, construction, and maintenance 30 30 30 30 30 –

Production, transportation, and material moving ..... 30 30 30 30 30 20

Full time ................................................................... 30 30 30 30 30 26

Part time .................................................................. 30 30 30 20 – 20

Union ....................................................................... 30 30 30 30 30 30

Nonunion ................................................................. 30 30 30 30 30 26

Average wage within the following categories:2

Lowest 25 percent ............................................... 30 30 30 30 30 –

Lowest 10 percent ........................................... 30 30 30 30 30 –

Second 25 percent ............................................... 30 30 30 30 30 20

Third 25 percent ................................................... 30 30 30 30 30 26

Highest 25 percent ............................................... 30 30 30 30 30 30

Highest 10 percent ........................................... 30 30 30 30 30 30

Establishment characteristic

Service-providing industries ..................................... 30 30 30 30 30 26

Education and health services ............................. 30 30 30 26 26 30

Educational services ........................................ 30 30 30 26 26 26

Elementary and secondary schools ............. 30 30 30 26 26 30

Junior colleges, colleges, and universities ... 30 30 30 20 20 –

Health care and social assistance ................... 30 30 30 26 26 –

Hospitals ...................................................... 30 30 30 30 30 –

Public administration ............................................ 30 30 30 30 30 –

1 to 99 workers ........................................................ 30 30 30 24 24 26

1 to 49 workers .................................................... 30 30 30 26 – –

50 to 99 workers .................................................. 30 30 – 24 20 –

100 workers or more ................................................ 30 30 30 30 30 26

100 to 499 workers .............................................. 30 30 30 30 30 30

500 workers or more ............................................ 30 30 30 30 30 25

State government .................................................... 30 30 30 30 30 30

Local government .................................................... 30 30 30 30 30 26

See footnotes at end of table.
Table 40. Mental health care benefits: Median number of days or visits1

covered per year for

selected services by type of plan, state and local government workers, National Compensation

Survey, 2011—Continued

(Includes all workers participating in plans with specified day limits)

Characteristics

Inpatient care Outpatient care

All plans

Fee-forservice

plans

Health

maintenance

organizations

All plans

Fee-forservice

plans

Health

maintenance

organizations

Geographic area

New England ........................................................... – 60 30 20 24 20

Middle Atlantic ......................................................... 30 30 35 30 38 –

East North Central ................................................... 30 30 30 30 30 20

West North Central .................................................. 30 30 30 45 – 52

South Atlantic ........................................................... 30 30 31 – – 26

West South Central .................................................. 30 30 30 30 30 20

Mountain .................................................................. 30 30 30 20 20 30

Pacific ...................................................................... 30 30 – 20 – 20

1 This table includes data from some plans that were obtained from

employers prior to the effective date of the Mental Health Parity and

Addiction Equity Act of 2008. 2 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, 2010." 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/glossary20102011.htm.
Table 40. Standard errors for mental health care benefits: Median number of days or

visits1covered per year for selected services by type of plan, state and local government

workers, National Compensation Survey, 2011

Characteristics

Inpatient care Outpatient care

All plans Fee-for-service plans

Health

maintenance

organizations

All plans Fee-for-service plans

Health

maintenance

organizations

All workers ............................................................... 0.0 0.0 0.0 2.1 1.6 3.8

Worker characteristic

Management, professional, and related .................. 0.0 0.0 0.0 5.4 5.0 4.6

Professional and related ...................................... 0.0 0.0 0.0 5.3 5.3 4.9

Teachers .......................................................... 0.0 0.0 0.0 4.8 4.7 5.6

Primary, secondary, and special education

school teachers .......................................... 0.0 0.0 0.0 4.5 4.4 4.8

Service ..................................................................... 0.0 0.0 0.2 0.0 0.0 3.5

Protective service ................................................ 0.0 0.0 0.4 1.1 1.1 –

Sales and office ....................................................... 0.0 0.0 0.0 4.8 2.1 6.3

Office and administrative support ........................ 0.0 0.0 0.0 4.2 2.2 –

Natural resources, construction, and maintenance 0.0 0.0 2.3 0.0 0.0 –

Production, transportation, and material moving ..... 0.0 0.0 0.0 8.0 6.7 3.7

Full time ................................................................... 0.0 0.0 0.0 1.8 1.4 5.1

Part time .................................................................. 0.0 0.0 0.0 2.0 – 0.0

Union ....................................................................... 0.0 0.0 0.0 0.0 0.8 7.8

Nonunion ................................................................. 0.0 0.0 0.0 5.1 4.6 3.2

Average wage within the following categories:2

Lowest 25 percent ............................................... 0.0 0.0 0.0 5.9 4.9 –

Lowest 10 percent ........................................... 0.0 0.0 0.0 5.9 5.1 –

Second 25 percent ............................................... 0.0 0.0 0.0 5.3 3.8 2.9

Third 25 percent ................................................... 0.0 0.0 0.0 2.1 2.1 4.8

Highest 25 percent ............................................... 0.0 0.0 0.0 0.0 0.0 0.8

Highest 10 percent ........................................... 0.0 0.0 4.6 0.0 0.0 6.5

Establishment characteristic

Service-providing industries ..................................... 0.0 0.0 0.0 2.2 1.8 3.8

Education and health services ............................. 0.0 0.0 0.0 4.5 4.2 4.1

Educational services ........................................ 0.0 0.0 0.0 4.0 4.3 5.4

Elementary and secondary schools ............. 0.0 0.0 0.0 4.5 4.7 5.9

Junior colleges, colleges, and universities ... 0.0 0.0 0.0 4.1 4.5 –

Health care and social assistance ................... 0.0 0.0 4.6 6.4 5.3 –

Hospitals ...................................................... 0.0 0.0 3.1 0.8 2.4 –

Public administration ............................................ 0.0 0.0 0.0 0.0 0.0 –

1 to 99 workers ........................................................ 0.0 0.0 0.0 5.8 6.1 3.9

1 to 49 workers .................................................... 0.0 0.0 0.0 7.5 – –

50 to 99 workers .................................................. 0.0 0.0 – 5.4 5.7 –

100 workers or more ................................................ 0.0 0.0 0.0 0.0 0.0 6.2

100 to 499 workers .............................................. 0.0 0.0 1.0 0.0 0.8 2.8

500 workers or more ............................................ 0.0 0.0 0.0 0.8 0.0 6.3

State government .................................................... 0.0 0.0 0.0 2.8 3.1 7.2

Local government .................................................... 0.0 0.0 0.0 2.7 2.2 3.9

See footnotes at end of table.
Table 40. Standard errors for mental health care benefits: Median number of days or

visits1covered per year for selected services by type of plan, state and local government

workers, National Compensation Survey, 2011—Continued

Characteristics

Inpatient care Outpatient care

All plans Fee-for-service plans

Health

maintenance

organizations

All plans Fee-for-service plans

Health

maintenance

organizations

Geographic area

New England ........................................................... – 0.0 0.0 5.6 2.5 3.4

Middle Atlantic ......................................................... 0.0 1.4 0.0 1.0 10.2 –

East North Central ................................................... 0.0 0.0 0.0 0.0 4.3 0.0

West North Central .................................................. 0.0 0.0 0.0 12.4 – 0.0

South Atlantic ........................................................... 0.0 0.0 1.3 – – 7.2

West South Central .................................................. 0.0 0.0 0.0 4.1 1.4 0.0

Mountain .................................................................. 0.0 0.0 0.0 0.0 0.0 0.0

Pacific ...................................................................... 0.0 0.0 – 0.0 – 0.0

1 This table includes data from some plans that were obtained from

employers prior to the effective date of the Mental Health Parity and

Addiction Equity Act of 2008. 2 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, 2010." 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/glossary20102011.htm.
Table 41. Substance abuse treatment benefits: Median number of days1

 covered per year for selected services by type of plan,

state and local government workers, National Compensation Survey, 2011

(Includes all workers participating in plans with specified day limits)

Characteristics

Inpatient detoxification Inpatient rehabilitation Outpatient rehabilitation

All plans

Fee-forservice

plans

Health

maintenance

organizations

All plans

Fee-forservice

plans

Health

maintenance

organizations

All plans

Fee-forservice

plans

Health

maintenance

organizations

All workers ............................................................... 30 30 30 30 30 30 30 30 –

Worker characteristic

Management, professional, and related .................. 30 30 30 30 30 30 30 30 52

Professional and related ...................................... 30 30 30 30 30 30 30 30 52

Teachers .......................................................... 30 30 30 30 30 30 30 30 52

Primary, secondary, and special education

school teachers .......................................... 30 30 30 30 30 30 30 30 –

Service ..................................................................... 30 30 30 30 30 30 30 30 40

Protective service ................................................ 30 30 30 30 30 30 30 30 –

Sales and office ....................................................... 30 30 30 30 30 30 30 30 30

Office and administrative support ........................ 30 30 30 30 30 30 30 30 30

Natural resources, construction, and maintenance 30 30 30 30 30 30 30 30 –

Production, transportation, and material moving ..... 30 – 30 30 30 – 40 42 24

Full time ................................................................... 30 30 30 30 30 30 30 30 –

Part time .................................................................. 30 30 – 30 30 30 30 30 –

Union ....................................................................... 30 30 30 30 30 30 46 45 60

Nonunion ................................................................. 30 30 30 30 30 30 30 30 30

Average wage within the following categories:2

Lowest 25 percent ............................................... 30 30 30 30 30 30 30 30 30

Lowest 10 percent ........................................... 30 30 – 30 30 – 30 26 30

Second 25 percent ............................................... 30 30 30 30 30 30 30 30 –

Third 25 percent ................................................... 30 30 30 30 30 30 30 30 30

Highest 25 percent ............................................... 30 30 30 30 30 30 35 30 60

Highest 10 percent ........................................... 30 30 30 30 30 30 40 30 60

Establishment characteristic

Service-providing industries ..................................... 30 30 30 30 30 30 30 30 –

Education and health services ............................. 30 30 30 30 30 30 30 30 52

Educational services ........................................ 30 30 30 30 30 30 30 30 52

Elementary and secondary schools ............. 30 30 30 30 30 30 30 30 –

Junior colleges, colleges, and universities ... 30 30 – 30 30 30 30 – 60

Health care and social assistance ................... 30 30 30 30 30 30 30 30 60

Hospitals ...................................................... 30 30 – 30 30 30 30 30 60

Public administration ............................................ 30 30 30 30 30 30 30 30 32

1 to 99 workers ........................................................ 30 30 – 30 30 30 30 30 26

1 to 49 workers .................................................... 30 30 – 30 30 30 30 30 –

50 to 99 workers .................................................. 30 30 – 30 30 30 – – –

100 workers or more ................................................ 30 30 30 30 30 30 30 30 45

100 to 499 workers .............................................. 30 30 30 30 30 30 30 30 –

500 workers or more ............................................ 30 30 30 30 30 30 30 30 50

State government .................................................... 30 30 – 30 30 30 30 30 –

Local government .................................................... 30 30 30 30 30 30 30 30 40

See footnotes at end of table.
Table 41. Substance abuse treatment benefits: Median number of days1

 covered per year for selected services by type of plan,

state and local government workers, National Compensation Survey, 2011—Continued

(Includes all workers participating in plans with specified day limits)

Characteristics

Inpatient detoxification Inpatient rehabilitation Outpatient rehabilitation

All plans

Fee-forservice

plans

Health

maintenance

organizations

All plans

Fee-forservice

plans

Health

maintenance

organizations

All plans

Fee-forservice

plans

Health

maintenance

organizations

Geographic area

New England ........................................................... – – 30 – – – 24 24 24

Middle Atlantic ......................................................... 30 30 30 30 30 30 60 60 –

East North Central ................................................... 30 30 – 30 30 30 30 30 20

West North Central .................................................. 30 30 30 30 30 30 – 30 52

South Atlantic ........................................................... 30 – 30 30 30 30 30 – 32

West South Central .................................................. 30 30 – 30 30 30 30 30 30

Mountain .................................................................. 30 30 – – – 30 – 20 30

Pacific ...................................................................... 30 30 30 30 30 – – – –

1 This table includes data from some plans that were obtained from employers prior to the

effective date of the Mental Health Parity and Addiction Equity Act of 2008. 2 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, 2010." 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/glossary20102011.htm.
Table 41. Standard errors for substance abuse treatment benefits: Median number of days1

 covered per year for selected

services by type of plan, state and local government workers, National Compensation Survey, 2011

Characteristics

Inpatient detoxification Inpatient rehabilitation Outpatient rehabilitation

All plans

Fee-forservice

plans

Health

maintenance

organizations

All plans

Fee-forservice

plans

Health

maintenance

organizations

All plans

Fee-forservice

plans

Health

maintenance

organizations

All workers ............................................................... 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 –

Worker characteristic

Management, professional, and related .................. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 10.2

Professional and related ...................................... 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 9.3

Teachers .......................................................... 0.0 0.0 0.0 0.0 0.0 0.0 1.6 0.0 9.7

Primary, secondary, and special education

school teachers .......................................... 0.0 0.0 0.0 0.0 0.0 1.0 6.6 3.1 –

Service ..................................................................... 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 11.7

Protective service ................................................ 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 –

Sales and office ....................................................... 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 3.8

Office and administrative support ........................ 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 3.4

Natural resources, construction, and maintenance 0.0 0.0 0.0 0.0 0.0 0.0 4.0 8.6 –

Production, transportation, and material moving ..... 7.1 – 0.0 0.0 0.0 – 10.8 7.2 4.9

Full time ................................................................... 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 –

Part time .................................................................. 0.0 0.0 – 0.0 0.0 0.0 0.0 0.0 –

Union ....................................................................... 0.0 0.0 0.0 0.0 0.0 0.0 4.1 3.4 17.4

Nonunion ................................................................. 0.0 0.0 0.0 0.0 0.0 0.0 1.4 2.6 6.3

Average wage within the following categories:2

Lowest 25 percent ............................................... 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.8 1.8

Lowest 10 percent ........................................... 0.0 0.0 – 0.0 0.0 – 6.2 4.7 3.4

Second 25 percent ............................................... 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 –

Third 25 percent ................................................... 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 1.7

Highest 25 percent ............................................... 0.0 0.0 0.0 0.0 0.0 0.0 7.2 0.0 4.4

Highest 10 percent ........................................... 0.0 0.0 2.2 0.0 0.0 1.7 7.6 1.3 0.0

Establishment characteristic

Service-providing industries ..................................... 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 –

Education and health services ............................. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.8 10.0

Educational services ........................................ 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.8 8.0

Elementary and secondary schools ............. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 1.6 –

Junior colleges, colleges, and universities ... 0.0 0.0 – 0.0 0.0 0.0 8.0 – 12.5

Health care and social assistance ................... 0.0 0.0 0.0 0.0 0.0 0.0 0.0 2.5 0.0

Hospitals ...................................................... 0.0 0.0 – 0.0 0.0 0.0 0.0 0.0 0.0

Public administration ............................................ 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 3.7

1 to 99 workers ........................................................ 0.0 0.0 – 0.0 0.0 0.0 2.2 0.8 0.0

1 to 49 workers .................................................... 0.0 0.0 – 0.0 0.0 0.0 3.6 1.4 –

50 to 99 workers .................................................. 0.0 0.0 – 0.0 0.0 2.8 – – –

100 workers or more ................................................ 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 10.9

100 to 499 workers .............................................. 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 –

500 workers or more ............................................ 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 10.9

State government .................................................... 0.0 0.0 – 0.0 0.0 0.0 0.0 0.0 –

Local government .................................................... 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 11.2

See footnotes at end of table.
Table 41. Standard errors for substance abuse treatment benefits: Median number of days1

 covered per year for selected

services by type of plan, state and local government workers, National Compensation Survey, 2011—Continued

Characteristics

Inpatient detoxification Inpatient rehabilitation Outpatient rehabilitation

All plans

Fee-forservice

plans

Health

maintenance

organizations

All plans

Fee-forservice

plans

Health

maintenance

organizations

All plans

Fee-forservice

plans

Health

maintenance

organizations

Geographic area

New England ........................................................... – – 0.0 – – – 0.0 5.6 4.7

Middle Atlantic ......................................................... 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 –

East North Central ................................................... 0.0 0.0 – 0.0 0.0 0.0 0.0 0.0 0.0

West North Central .................................................. 0.0 0.0 0.0 0.0 0.0 0.0 – 4.2 0.0

South Atlantic ........................................................... 0.0 – 0.0 0.0 0.0 0.6 5.0 – 2.4

West South Central .................................................. 0.0 0.0 – 0.0 0.0 0.0 0.0 0.0 0.0

Mountain .................................................................. 0.0 0.0 – – – 0.0 – 5.6 0.0

Pacific ...................................................................... 0.0 0.0 0.0 0.0 0.0 – – – –

1 This table includes data from some plans that were obtained from employers prior to the

effective date of the Mental Health Parity and Addiction Equity Act of 2008. 2 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, 2010." 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/glossary20102011.htm.
Table 42. Outpatient prescription drug benefits:1

 Type of coverage, state and local

government workers, National Compensation Survey, 2011

(All workers participating in outpatient prescription drug plans = 100 percent)

Characteristics Generic

drugs

Brand-name

drugs

Mail order

drugs

Coverage for

formulary

drugs2

All workers ............................................................... 100 100 85 78

Worker characteristic

Management, professional, and related .................. 100 100 85 78

Professional and related ...................................... 100 100 84 76

Teachers .......................................................... 100 100 84 74

Primary, secondary, and special education

school teachers .......................................... 100 100 82 70

Service ..................................................................... 100 100 86 78

Protective service ................................................ 100 100 85 75

Sales and office ....................................................... 100 100 87 81

Office and administrative support ........................ 100 100 88 81

Natural resources, construction, and maintenance 100 99 79 83

Production, transportation, and material moving ..... 100 100 84 76

Full time ................................................................... 100 100 85 78

Part time .................................................................. 100 99 85 76

Union ....................................................................... 100 100 88 68

Nonunion ................................................................. 100 100 82 88

Average wage within the following categories:3

Lowest 25 percent ............................................... 100 100 83 86

Lowest 10 percent ........................................... 100 100 81 88

Second 25 percent ............................................... 100 100 85 80

Third 25 percent ................................................... 100 100 85 82

Highest 25 percent ............................................... 100 100 86 70

Highest 10 percent ........................................... 100 100 89 65

Establishment characteristic

Service-providing industries ..................................... 100 100 85 78

Education and health services ............................. 100 100 84 78

Educational services ........................................ 100 100 85 77

Elementary and secondary schools ............. 100 100 83 72

Junior colleges, colleges, and universities ... 100 100 90 90

Health care and social assistance ................... 100 100 82 84

Hospitals ...................................................... 100 100 80 85

Public administration ............................................ 100 100 87 79

1 to 99 workers ........................................................ 100 100 75 84

1 to 49 workers .................................................... 100 100 77 80

50 to 99 workers .................................................. 100 100 73 89

100 workers or more ................................................ 100 100 86 78

100 to 499 workers .............................................. 100 99 83 75

500 workers or more ............................................ 100 100 87 79

State government .................................................... 100 100 90 92

Local government .................................................... 100 100 83 73

See footnotes at end of table.
Table 42. Outpatient prescription drug benefits:1

 Type of coverage, state and local

government workers, National Compensation Survey, 2011—Continued

(All workers participating in outpatient prescription drug plans = 100 percent)

Characteristics Generic

drugs

Brand-name

drugs

Mail order

drugs

Coverage for

formulary

drugs2

Geographic area

New England ........................................................... 100 100 84 89

Middle Atlantic ......................................................... 100 99 92 68

East North Central ................................................... 100 100 83 66

West North Central .................................................. 100 100 71 76

South Atlantic ........................................................... 100 100 86 89

West South Central .................................................. 100 100 82 92

Mountain .................................................................. 100 100 94 84

Pacific ...................................................................... 100 100 92 64

1 Outpatient prescription drug benefits include both

stand-alone drug plans and prescription drug benefits included

as part of a medical plan. 2 These are both generic and brand names drugs approved

by the health care provider. Drugs not approved by the health

care provider are nonformulary drugs, for which enrollees

receive less generous benefits, such as a higher copayment

per prescription. 3 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, 2010." See Technical Note for more details.

NOTE: 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.
Table 42. Standard errors for outpatient prescription drug benefits:1

 Type of

coverage, state and local government workers, National Compensation Survey,

2011

Characteristics Generic

drugs

Brand-name

drugs

Mail order

drugs

Coverage for

formulary

drugs2

All workers ............................................................... 3 ( ) 0.1 1.5 1.0

Worker characteristic

Management, professional, and related .................. 3 ( ) 0.1 1.5 1.1

Professional and related ...................................... 3 ( ) 0.1 1.6 1.2

Teachers .......................................................... 3 ( ) 0.1 1.9 1.6

Primary, secondary, and special education

school teachers .......................................... 3 ( ) 0.1 2.0 1.9

Service ..................................................................... 3 ( ) 0.2 2.0 1.6

Protective service ................................................ 3 ( ) 3 ( ) 2.4 2.4

Sales and office ....................................................... 3 ( ) 0.1 1.9 1.5

Office and administrative support ........................ 3 ( ) 0.1 1.8 1.6

Natural resources, construction, and maintenance 3 ( ) 0.3 3.3 1.9

Production, transportation, and material moving ..... 3 ( ) 0.2 2.7 3.6

Full time ................................................................... 3 ( ) 0.1 1.4 1.0

Part time .................................................................. 3 ( ) 0.6 5.7 3.5

Union ....................................................................... 3 ( ) 0.2 1.1 1.3

Nonunion ................................................................. 3 ( ) 3 ( ) 2.8 1.1

Average wage within the following categories:4

Lowest 25 percent ............................................... 3 ( ) 0.2 3.1 1.8

Lowest 10 percent ........................................... 3 ( ) 3 ( ) 4.3 3.1

Second 25 percent ............................................... 3 ( ) 0.1 1.6 1.4

Third 25 percent ................................................... 3 ( ) 0.1 1.5 1.6

Highest 25 percent ............................................... 3 ( ) 0.1 1.3 1.3

Highest 10 percent ........................................... 3 ( ) 0.2 1.1 2.0

Establishment characteristic

Service-providing industries ..................................... 3 ( ) 0.1 1.5 1.0

Education and health services ............................. 3 ( ) 0.1 2.1 1.2

Educational services ........................................ 3 ( ) 0.2 2.1 1.3

Elementary and secondary schools ............. 3 ( ) 0.2 1.8 1.5

Junior colleges, colleges, and universities ... 3 ( ) 0.1 4.1 1.3

Health care and social assistance ................... 3 ( ) 3 ( ) 3.3 2.2

Hospitals ...................................................... 3 ( ) 3 ( ) 4.2 3.1

Public administration ............................................ 3 ( ) 3 ( ) 1.7 1.5

1 to 99 workers ........................................................ 3 ( ) 0.1 2.4 2.9

1 to 49 workers .................................................... 3 ( ) 0.2 4.0 4.8

50 to 99 workers .................................................. 3 ( ) 3 ( ) 3.5 2.7

100 workers or more ................................................ 3 ( ) 0.1 1.6 1.0

100 to 499 workers .............................................. 3 ( ) 0.3 2.1 2.5

500 workers or more ............................................ 3 ( ) 0.1 1.9 1.0

State government .................................................... 3 ( ) 3 ( ) 2.8 0.7

Local government .................................................... 3 ( ) 0.1 1.3 1.3

See footnotes at end of table.
Table 42. Standard errors for outpatient prescription drug benefits:1

 Type of

coverage, state and local government workers, National Compensation Survey,

2011—Continued

Characteristics Generic

drugs

Brand-name

drugs

Mail order

drugs

Coverage for

formulary

drugs2

Geographic area

New England ........................................................... 3 ( ) 0.1 5.9 2.0

Middle Atlantic ......................................................... 3 ( ) 0.5 2.0 3.1

East North Central ................................................... 3 ( ) 3 ( ) 2.6 3.1

West North Central .................................................. 3 ( ) 0.2 4.6 3.0

South Atlantic ........................................................... 3 ( ) 0.1 2.4 1.9

West South Central .................................................. 3 ( ) 3 ( ) 3.5 1.7

Mountain .................................................................. 3 ( ) 3 ( ) 2.9 2.9

Pacific ...................................................................... 3 ( ) 0.2 0.9 1.9

1 Outpatient prescription drug benefits include both

stand-alone drug plans and prescription drug benefits included

as part of a medical plan. 2 These are both generic and brand names drugs approved

by the health care provider. Drugs not approved by the health

care provider are nonformulary drugs, for which enrollees

receive less generous benefits, such as a higher copayment

per prescription. 3 Less than 0.05. 4 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, 2010." See Technical Note for more details.

NOTE: 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.
Table 43. Outpatient prescription drug benefits:1

 Copayment provisions, state and local government workers, National

Compensation Survey, 2011

(All workers participating in outpatient prescription drug plans with a generic drug or brand-name drug provision = 100 percent)

Characteristics

Generic drugs2 Brand-name drugs3

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

All workers ............................................................... 85 14 1 $10 89 10 1 $25

Worker characteristic

Management, professional, and related .................. 84 14 1 10 88 11 1 25

Professional and related ...................................... 84 15 1 10 87 11 1 25

Teachers .......................................................... 83 16 1 10 86 12 2 25

Primary, secondary, and special education

school teachers .......................................... 82 16 2 10 86 12 2 25

Service ..................................................................... 86 13 1 10 91 8 1 25

Protective service ................................................ 88 11 1 10 92 7 1 25

Sales and office ....................................................... 87 12 1 10 90 9 1 25

Office and administrative support ........................ 87 12 1 10 90 9 1 25

Natural resources, construction, and maintenance 87 12 1 10 90 9 1 25

Production, transportation, and material moving ..... 82 15 2 10 89 8 3 20

Full time ................................................................... 85 14 1 10 89 10 1 25

Part time .................................................................. 86 13 4 ( ) 10 92 7 1 25

Union ....................................................................... 84 15 1 7 90 8 2 20

Nonunion ................................................................. 86 13 1 10 87 11 1 30

Average wage within the following categories:5

Lowest 25 percent ............................................... 87 11 1 10 89 9 2 30

Lowest 10 percent ........................................... 89 8 3 10 90 8 3 30

Second 25 percent ............................................... 86 13 1 10 89 10 1 25

Third 25 percent ................................................... 86 14 1 10 89 10 1 25

Highest 25 percent ............................................... 83 15 1 10 88 10 2 20

Highest 10 percent ........................................... 83 15 2 8 88 9 2 20

Establishment characteristic

Service-providing industries ..................................... 85 14 1 10 89 10 1 25

Education and health services ............................. 84 14 1 10 88 11 1 25

Educational services ........................................ 84 15 1 10 87 12 2 25

Elementary and secondary schools ............. 83 15 2 10 87 11 2 25

Junior colleges, colleges, and universities ... 87 – – 10 87 – – 25

Health care and social assistance ................... 87 13 4 ( ) 9 91 9 4 ( ) 25

Hospitals ...................................................... 87 13 4 ( ) 9 90 10 4 ( ) 25

Public administration ............................................ 87 12 1 10 92 7 1 25

1 to 99 workers ........................................................ 82 16 2 10 85 13 2 25

1 to 49 workers .................................................... 80 19 1 10 83 16 1 25

50 to 99 workers .................................................. 85 13 2 10 88 10 2 30

100 workers or more ................................................ 85 13 1 10 89 9 1 25

100 to 499 workers .............................................. 85 14 2 10 87 11 2 25

500 workers or more ............................................ 86 13 1 10 90 9 1 25

State government .................................................... 91 9 4 ( ) 10 91 9 4 ( ) 25

Local government .................................................... 83 16 2 10 88 10 2 25

See footnotes at end of table.
Table 43. Outpatient prescription drug benefits:1

 Copayment provisions, state and local government workers, National

Compensation Survey, 2011—Continued

(All workers participating in outpatient prescription drug plans with a generic drug or brand-name drug provision = 100 percent)

Characteristics

Generic drugs2 Brand-name drugs3

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Geographic area

New England ........................................................... 92 – – $10 94 4 1 $20

Middle Atlantic ......................................................... 68 32 1 5 87 12 1 15

East North Central ................................................... 84 13 3 10 86 – – 24

West North Central .................................................. 71 27 3 10 70 27 3 25

South Atlantic ........................................................... 92 7 1 10 93 6 1 30

West South Central .................................................. 87 12 1 10 91 8 1 30

Mountain .................................................................. 89 – – 10 88 – – 25

Pacific ...................................................................... 92 8 1 5 92 7 1 –

1 Outpatient prescription drug benefits include both stand-alone drug plans and prescription

drug benefits included as part of a medical plan. 2 All workers participating in an outpatient prescription drug plan with a generic drug provision

equals 100 percent. 3 All workers participating in an outpatient prescription drug plan with a brand-name drug

provision equals 100 percent. 4 Less than 0.5. 5 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, 2010." 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.
Table 43. Standard errors for outpatient prescription drug benefits:1

 Copayment provisions, state and local government workers,

National Compensation Survey, 2011

Characteristics

Generic drugs Brand-name drugs

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

All workers ............................................................... 0.9 0.9 0.3 $0 0.9 0.9 0.3 $0

Worker characteristic

Management, professional, and related .................. 1.2 1.2 0.3 0 1.2 1.2 0.3 0

Professional and related ...................................... 1.3 1.3 0.3 0 1.3 1.3 0.3 0

Teachers .......................................................... 1.5 1.5 0.4 0 1.4 1.3 0.4 0

Primary, secondary, and special education

school teachers .......................................... 1.6 1.6 0.4 0 1.4 1.4 0.4 0

Service ..................................................................... 1.1 1.0 0.4 0 1.0 0.9 0.4 0

Protective service ................................................ 1.6 1.6 0.6 0 1.4 1.3 0.6 3

Sales and office ....................................................... 1.6 1.4 0.5 0 1.3 1.1 0.5 0

Office and administrative support ........................ 1.4 1.3 0.4 0 1.3 1.2 0.4 0

Natural resources, construction, and maintenance 2.2 2.2 0.3 0 2.2 2.2 0.3 0

Production, transportation, and material moving ..... 3.1 2.9 0.8 2 ( ) 2.3 2.0 0.8 3

Full time ................................................................... 0.9 0.9 0.3 0 1.0 1.0 0.3 0

Part time .................................................................. 2.1 2.0 0.2 1 2.0 1.9 0.2 6

Union ....................................................................... 0.8 0.8 0.3 1 0.8 0.7 0.3 0

Nonunion ................................................................. 1.7 1.6 0.4 0 1.7 1.6 0.4 0

Average wage within the following categories:3

Lowest 25 percent ............................................... 1.6 1.3 0.6 0 1.5 1.3 0.6 0

Lowest 10 percent ........................................... 2.8 2.2 1.6 0 2.8 2.2 1.6 3

Second 25 percent ............................................... 1.1 1.1 0.4 0 1.1 1.2 0.4 0

Third 25 percent ................................................... 1.3 1.2 0.3 0 1.3 1.2 0.4 0

Highest 25 percent ............................................... 1.2 1.3 0.3 2 ( ) 1.2 1.2 0.3 0

Highest 10 percent ........................................... 1.7 1.6 0.5 1 1.6 1.5 0.5 0

Establishment characteristic

Service-providing industries ..................................... 0.9 0.9 0.3 0 0.9 0.9 0.3 0

Education and health services ............................. 1.3 1.3 0.3 0 1.3 1.3 0.3 0

Educational services ........................................ 1.4 1.4 0.3 0 1.4 1.4 0.3 0

Elementary and secondary schools ............. 1.3 1.3 0.4 0 1.2 1.1 0.5 0

Junior colleges, colleges, and universities ... 4.2 – – 0 4.3 – – 6

Health care and social assistance ................... 2.3 2.3 4 ( ) 2 2.3 2.3 4 () 5

Hospitals ...................................................... 2.8 2.9 4 ( ) 2 3.0 3.0 4 () 5

Public administration ............................................ 1.3 1.3 0.3 0 1.2 1.1 0.3 4

1 to 99 workers ........................................................ 1.9 2.2 0.8 0 1.7 2.0 0.8 4

1 to 49 workers .................................................... 2.9 2.8 0.8 0 2.9 2.8 0.8 3

50 to 99 workers .................................................. 2.5 3.2 1.6 0 2.2 2.9 1.6 7

100 workers or more ................................................ 1.0 0.9 0.3 0 1.0 1.0 0.3 0

100 to 499 workers .............................................. 2.0 1.8 0.6 0 1.9 1.6 0.7 0

500 workers or more ............................................ 1.2 1.1 0.3 0 1.3 1.3 0.3 0

State government .................................................... 2.2 2.2 0.1 1 2.3 2.3 0.1 0

Local government .................................................... 1.0 0.9 0.4 0 0.9 0.9 0.4 0

See footnotes at end of table.
Table 43. Standard errors for outpatient prescription drug benefits:1

 Copayment provisions, state and local government workers,

National Compensation Survey, 2011—Continued

Characteristics

Generic drugs Brand-name drugs

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Copayment No

copayment

Not

determinable

Median

copayment

per

prescription

Geographic area

New England ........................................................... 1.5 – – $0 0.9 0.8 0.9 $0

Middle Atlantic ......................................................... 2.1 2.2 0.4 0 3.3 3.3 0.4 0

East North Central ................................................... 3.8 3.9 1.0 0 3.6 – – 5

West North Central .................................................. 3.8 4.3 1.9 0 4.0 4.6 1.9 0

South Atlantic ........................................................... 0.7 0.7 0.1 0 0.6 0.6 0.1 0

West South Central .................................................. 1.7 1.1 1.1 0 1.6 0.9 1.1 0

Mountain .................................................................. 2.7 – – 0 3.0 – – 5

Pacific ...................................................................... 1.0 0.7 0.4 0 0.7 0.6 0.4 –

1 Outpatient prescription drug benefits include both stand-alone drug plans and prescription

drug benefits included as part of a medical plan. 2 Less than 0.5. 3 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, 2010." See Technical Note for more details. 4 Less than 0.05.

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/glossary20102011.htm.
Table 44. Dental care benefits: Coverage for selected services, state and local government workers,

National Compensation Survey, 2011

(All workers participating in dental care plans = 100 percent)

Characteristics Preventive

services

Basic

services

Major

services

Orthodontia

Total

Employee

and

dependent

Dependent

only

All workers ............................................................... 100 100 96 76 48 29

Worker characteristic

Management, professional, and related .................. 100 100 97 76 47 28

Professional and related ...................................... 100 100 97 74 47 28

Teachers .......................................................... 99 100 97 73 44 29

Primary, secondary, and special education

school teachers .......................................... 99 100 97 71 43 28

Service ..................................................................... 100 100 94 76 48 29

Protective service ................................................ 100 100 93 76 49 27

Sales and office ....................................................... 100 100 96 77 50 28

Office and administrative support ........................ 100 100 96 77 50 27

Natural resources, construction, and maintenance 100 100 97 79 46 34

Production, transportation, and material moving ..... 100 100 96 79 46 32

Full time ................................................................... 100 100 96 76 47 29

Part time .................................................................. 100 100 95 76 55 21

Union ....................................................................... 100 100 97 78 47 31

Nonunion ................................................................. 100 100 95 73 48 25

Average wage within the following categories:1

Lowest 25 percent ............................................... 100 100 94 70 46 25

Lowest 10 percent ........................................... 100 100 95 71 47 24

Second 25 percent ............................................... 100 100 95 78 48 30

Third 25 percent ................................................... 100 100 96 78 49 29

Highest 25 percent ............................................... 100 100 98 77 47 30

Highest 10 percent ........................................... 99 100 98 78 46 32

Establishment characteristic

Service-providing industries ..................................... 100 100 96 76 48 29

Education and health services ............................. 100 100 97 73 46 27

Educational services ........................................ 100 100 97 74 46 28

Elementary and secondary schools ............. 99 100 97 69 44 26

Junior colleges, colleges, and universities ... 100 100 97 87 52 35

Health care and social assistance ................... 100 100 95 71 47 24

Hospitals ...................................................... 100 100 95 71 46 25

Public administration ............................................ 100 100 95 80 52 28

1 to 99 workers ........................................................ 100 100 90 70 37 33

1 to 49 workers .................................................... 100 100 85 69 33 36

50 to 99 workers .................................................. 100 100 96 72 43 29

100 workers or more ................................................ 100 100 97 77 49 28

100 to 499 workers .............................................. 100 100 98 67 40 28

500 workers or more ............................................ 100 100 96 80 52 29

State government .................................................... 100 100 96 89 54 34

Local government .................................................... 100 100 96 71 45 27

See footnotes at end of table.
Table 44. Dental care benefits: Coverage for selected services, state and local government workers,

National Compensation Survey, 2011—Continued

(All workers participating in dental care plans = 100 percent)

Characteristics Preventive

services

Basic

services

Major

services

Orthodontia

Total

Employee

and

dependent

Dependent

only

Geographic area

New England ........................................................... 100 100 99 60 39 20

Middle Atlantic ......................................................... 100 100 98 87 44 42

East North Central ................................................... 99 100 93 86 37 50

West North Central .................................................. 100 100 94 80 39 41

South Atlantic ........................................................... 100 100 94 63 37 26

East South Central ................................................... 100 100 92 71 – –

West South Central .................................................. 100 100 92 77 53 24

Mountain .................................................................. 100 100 98 74 – –

Pacific ...................................................................... 100 100 99 75 64 11

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,

2010." 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.
Table 44. Standard errors for dental care benefits: Coverage for selected services, state and local

government workers, National Compensation Survey, 2011

Characteristics Preventive

services

Basic

services

Major

services

Orthodontia

Total

Employee

and

dependent

Dependent

only

All workers ............................................................... 0.1 1 ( ) 0.8 1.4 1.5 1.7

Worker characteristic

Management, professional, and related .................. 0.2 1 ( ) 0.9 1.6 1.6 1.4

Professional and related ...................................... 0.2 1 ( ) 0.8 1.8 1.7 1.6

Teachers .......................................................... 0.3 1 ( ) 0.7 2.1 2.4 2.5

Primary, secondary, and special education

school teachers .......................................... 0.4 1 ( ) 0.8 2.5 2.5 2.8

Service ..................................................................... 1 ( ) 1 ( ) 1.6 2.1 2.2 2.4

Protective service ................................................ 1 ( ) 1 ( ) 2.5 2.7 3.1 3.1

Sales and office ....................................................... 1 ( ) 1 ( ) 1.1 2.6 3.3 3.3

Office and administrative support ........................ 1 ( ) 1 ( ) 1.1 2.7 3.3 3.5

Natural resources, construction, and maintenance 1 ( ) 1 ( ) 1.1 3.2 5.2 5.1

Production, transportation, and material moving ..... 1 ( ) 1 ( ) 1.3 3.5 3.4 3.3

Full time ................................................................... 0.1 1 ( ) 0.7 1.5 1.6 1.7

Part time .................................................................. 1 ( ) 1 ( ) 1.9 3.0 4.4 3.8

Union ....................................................................... 0.1 1 ( ) 0.6 1.2 1.8 1.9

Nonunion ................................................................. 1 ( ) 1 ( ) 1.3 2.6 2.5 2.1

Average wage within the following categories:2

Lowest 25 percent ............................................... 0.1 1 ( ) 1.4 3.0 3.0 2.6

Lowest 10 percent ........................................... 1 ( ) 1 ( ) 2.4 4.8 4.7 3.8

Second 25 percent ............................................... 1 ( ) 1 ( ) 1.3 2.1 2.2 2.5

Third 25 percent ................................................... 0.2 1 ( ) 1.1 1.6 2.0 2.0

Highest 25 percent ............................................... 0.2 1 ( ) 0.6 1.4 1.7 1.6

Highest 10 percent ........................................... 0.3 1 ( ) 0.6 1.6 2.3 2.4

Establishment characteristic

Service-providing industries ..................................... 0.1 1 ( ) 0.8 1.4 1.5 1.7

Education and health services ............................. 0.1 1 ( ) 0.7 1.9 1.9 1.9

Educational services ........................................ 0.2 1 ( ) 0.7 1.9 2.0 1.9

Elementary and secondary schools ............. 0.2 1 ( ) 0.7 2.1 2.1 2.0

Junior colleges, colleges, and universities ... 1 ( ) 1 ( ) 1.6 2.9 4.4 4.0

Health care and social assistance ................... 1 ( ) 1 ( ) 2.4 3.9 3.9 3.4

Hospitals ...................................................... 1 ( ) 1 ( ) 2.9 5.3 5.3 4.6

Public administration ............................................ 1 ( ) 1 ( ) 1.3 2.0 2.2 2.4

1 to 99 workers ........................................................ 1 ( ) 1 ( ) 2.8 3.7 4.2 3.9

1 to 49 workers .................................................... 1 ( ) 1 ( ) 5.0 6.0 5.5 5.5

50 to 99 workers .................................................. 1 ( ) 1 ( ) 2.1 5.1 5.9 6.1

100 workers or more ................................................ 0.1 1 ( ) 0.8 1.5 1.6 1.7

100 to 499 workers .............................................. 0.3 1 ( ) 0.7 3.3 3.0 3.0

500 workers or more ............................................ 0.1 1 ( ) 1.0 1.5 1.7 1.7

State government .................................................... 1 ( ) 1 ( ) 2.0 2.3 2.7 2.7

Local government .................................................... 0.1 1 ( ) 0.6 1.5 1.7 2.0

See footnotes at end of table.
Table 44. Standard errors for dental care benefits: Coverage for selected services, state and local

government workers, National Compensation Survey, 2011—Continued

Characteristics Preventive

services

Basic

services

Major

services

Orthodontia

Total

Employee

and

dependent

Dependent

only

Geographic area

New England ........................................................... 1 ( ) 1 ( ) 1.0 7.9 7.6 4.6

Middle Atlantic ......................................................... 1 ( ) 1 ( ) 1.2 0.7 3.5 3.6

East North Central ................................................... 0.4 1 ( ) 3.5 1.9 2.9 2.2

West North Central .................................................. 1 ( ) 1 ( ) 3.3 7.5 8.1 9.4

South Atlantic ........................................................... 1 ( ) 1 ( ) 1.4 5.9 4.0 3.4

East South Central ................................................... 1 ( ) 1 ( ) 5.8 6.6 – –

West South Central .................................................. 1 ( ) 1 ( ) 4.4 5.2 6.0 4.4

Mountain .................................................................. 0.2 1 ( ) 0.2 4.8 – –

Pacific ...................................................................... 0.2 1 ( ) 0.5 1.5 1.9 1.8

1 Less than 0.05. 2 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,

2010." 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/glossary20102011.htm.
Table 45. Dental care benefits: Extent of coverage for selected services, state and local government workers, National

Compensation Survey, 2011

(All workers participating in dental care plans = 100 percent)

Characteristics

Preventive services Basic services

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 12 88 – 2 ( ) 4 96 – –

Worker characteristic

Management, professional, and related .................. 11 89 – 2 ( ) 3 97 – –

Professional and related ...................................... 10 89 – 2 ( ) 3 97 – –

Teachers .......................................................... 9 90 – 1 3 97 – –

Primary, secondary, and special education

school teachers .......................................... 8 91 – 1 3 97 – –

Service ..................................................................... 13 87 – 2 ( ) 5 95 – –

Protective service ................................................ 15 85 – 2 ( ) 8 92 – –

Sales and office ....................................................... 13 87 – 2 ( ) 4 96 – –

Office and administrative support ........................ 13 87 – 2 ( ) 4 96 – –

Natural resources, construction, and maintenance 10 90 – – 4 96 – –

Production, transportation, and material moving ..... 16 84 – 2 ( ) – 91 – –

Full time ................................................................... 12 88 – 2 ( ) 4 96 – –

Part time .................................................................. 11 89 – 2 ( ) – 95 – –

Union ....................................................................... 13 86 – 2 ( ) 5 95 – –

Nonunion ................................................................. 10 90 – 2 ( ) 2 98 – –

Average wage within the following categories:3

Lowest 25 percent ............................................... 11 89 – 2 ( ) – 97 – –

Lowest 10 percent ........................................... 8 92 – 2 ( ) – 100 – –

Second 25 percent ............................................... 13 87 – 2 ( ) 5 95 – –

Third 25 percent ................................................... 12 88 – 2 ( ) 5 95 – –

Highest 25 percent ............................................... 11 88 – 2 ( ) 4 96 – –

Highest 10 percent ........................................... 13 87 – 1 4 96 – –

Establishment characteristic

Service-providing industries ..................................... 12 88 – 2 ( ) 4 96 – –

Education and health services ............................. 11 89 – 2 ( ) 3 97 – –

Educational services ........................................ 10 90 – 2 ( ) 3 97 – –

Elementary and secondary schools ............. 10 89 – 1 3 97 – –

Junior colleges, colleges, and universities ... 9 91 – – 2 98 – –

Health care and social assistance ................... 15 85 – – – 96 – –

Hospitals ...................................................... 14 86 – – 3 97 – –

Public administration ............................................ 14 86 – 2 ( ) 6 94 – –

1 to 99 workers ........................................................ 11 89 – – – 94 – –

1 to 49 workers .................................................... – 89 – – – 91 – –

50 to 99 workers .................................................. – 89 – – – 97 – –

100 workers or more ................................................ 12 88 – 2 ( ) 4 96 – –

100 to 499 workers .............................................. 9 91 – 2 ( ) – 96 – –

500 workers or more ............................................ 13 87 – 2 ( ) 4 96 – –

State government .................................................... 14 86 – – 4 96 – –

Local government .................................................... 11 89 – 2 ( ) 4 96 – –

See footnotes at end of table.
Table 45. Dental care benefits: Extent of coverage for selected services, state

and local government workers, National Compensation Survey,

2011—Continued

(All workers participating in dental care plans = 100 percent)

Characteristics

Major services

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 2 95 2 2

Worker characteristic

Management, professional, and related .................. 2 95 2 2

Professional and related ...................................... 2 95 2 1

Teachers .......................................................... 2 96 2 1

Primary, secondary, and special education

school teachers .......................................... 1 96 – –

Service ..................................................................... 2 93 – –

Protective service ................................................ – 91 – 2

Sales and office ....................................................... – 94 – 1

Office and administrative support ........................ – 94 – 1

Natural resources, construction, and maintenance – 96 – 2

Production, transportation, and material moving ..... – 94 – 3

Full time ................................................................... 1 95 2 2

Part time .................................................................. – 91 – 3

Union ....................................................................... 2 95 2 1

Nonunion ................................................................. 2 ( ) 94 3 2

Average wage within the following categories:3

Lowest 25 percent ............................................... – 94 – 1

Lowest 10 percent ........................................... – 95 – 1

Second 25 percent ............................................... 1 94 – –

Third 25 percent ................................................... 2 94 2 2

Highest 25 percent ............................................... 2 96 1 1

Highest 10 percent ........................................... 2 96 – –

Establishment characteristic

Service-providing industries ..................................... 2 95 2 2

Education and health services ............................. 1 95 2 1

Educational services ........................................ 1 96 2 1

Elementary and secondary schools ............. 1 96 2 1

Junior colleges, colleges, and universities ... – 95 – 2

Health care and social assistance ................... – 94 – 1

Hospitals ...................................................... – 94 – 1

Public administration ............................................ 2 94 – –

1 to 99 workers ........................................................ – 89 – 2

1 to 49 workers .................................................... – 85 – 2

50 to 99 workers .................................................. – 94 – 2

100 workers or more ................................................ 2 95 2 2

100 to 499 workers .............................................. – 97 – 1

500 workers or more ............................................ 2 95 2 2

State government .................................................... 1 95 – –

Local government .................................................... 2 95 2 1

See footnotes at end of table.
Table 45. Dental care benefits: Extent of coverage for selected services, state and local government workers, National

Compensation Survey, 2011—Continued

(All workers participating in dental care plans = 100 percent)

Characteristics

Preventive services Basic services

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... – 87 – – – 97 – –

Middle Atlantic ......................................................... 19 81 – 2 ( ) 11 89 – –

East North Central ................................................... 7 93 – 1 – 98 – –

West North Central .................................................. – 100 – – – 100 – –

South Atlantic ........................................................... 20 80 – 2 ( ) – 98 – –

East South Central ................................................... – 90 – – – 100 – –

West South Central .................................................. – 99 – – – 100 – –

Mountain .................................................................. – 92 – 2 ( ) – 100 – –

Pacific ...................................................................... 13 87 – 2 ( ) 7 93 – –

See footnotes at end of table.
Table 45. Dental care benefits: Extent of coverage for selected services, state

and local government workers, National Compensation Survey,

2011—Continued

(All workers participating in dental care plans = 100 percent)

Characteristics

Major services

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... – 99 – –

Middle Atlantic ......................................................... 2 96 – –

East North Central ................................................... – 92 3 –

West North Central .................................................. – 94 – 2

South Atlantic ........................................................... – 94 5 –

East South Central ................................................... – 92 – 8

West South Central .................................................. – 92 – 3

Mountain .................................................................. – 98 – 1

Pacific ...................................................................... 4 95 – –

1 Coverage for dental procedures may be subject to

scheduled allowance, deductible, or coinsurance

provisions, in addition to maximum dollar limitations. 2 Less than 0.5. 3 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, 2010." 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.
Table 45. Standard errors for dental care benefits: Extent of coverage for selected services, state and local

government workers, National Compensation Survey, 2011

Characteristics

Preventive services Basic services

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 0.8 0.8 – 0.1 0.5 0.5 – –

Worker characteristic

Management, professional, and related .................. 0.9 0.9 – 0.2 0.3 0.3 – –

Professional and related ...................................... 0.9 0.9 – 0.2 0.4 0.4 – –

Teachers .......................................................... 0.9 0.9 – 0.3 0.4 0.4 – –

Primary, secondary, and special education

school teachers .......................................... 1.1 1.1 – 0.4 0.4 0.4 – –

Service ..................................................................... 1.7 1.7 – 2 ( ) 1.4 1.4 – –

Protective service ................................................ 2.2 2.2 – 2 ( ) 2.2 2.2 – –

Sales and office ....................................................... 1.6 1.6 – 2 ( ) 1.0 1.0 – –

Office and administrative support ........................ 1.7 1.7 – 2 ( ) 1.0 1.0 – –

Natural resources, construction, and maintenance 1.4 1.4 – – 0.9 0.9 – –

Production, transportation, and material moving ..... 3.4 3.4 – 2 ( ) – 2.8 – –

Full time ................................................................... 0.8 0.8 – 0.1 0.4 0.4 – –

Part time .................................................................. 2.5 2.5 – 2 ( ) – 2.3 – –

Union ....................................................................... 1.0 1.0 – 0.1 0.7 0.7 – –

Nonunion ................................................................. 1.2 1.2 – 2 ( ) 0.4 0.4 – –

Average wage within the following categories:3

Lowest 25 percent ............................................... 1.8 1.8 – 0.1 – 0.9 – –

Lowest 10 percent ........................................... 2.4 2.4 – 2 ( ) – 0.2 – –

Second 25 percent ............................................... 1.4 1.4 – 2 ( ) 0.9 0.9 – –

Third 25 percent ................................................... 1.1 1.1 – 0.2 0.7 0.7 – –

Highest 25 percent ............................................... 0.8 0.8 – 0.2 0.4 0.4 – –

Highest 10 percent ........................................... 1.1 1.1 – 0.3 0.5 0.5 – –

Establishment characteristic

Service-providing industries ..................................... 0.8 0.9 – 0.1 0.5 0.5 – –

Education and health services ............................. 1.1 1.1 – 0.1 0.4 0.4 – –

Educational services ........................................ 1.0 1.0 – 0.2 0.3 0.3 – –

Elementary and secondary schools ............. 1.2 1.2 – 0.2 0.4 0.4 – –

Junior colleges, colleges, and universities ... 1.7 1.7 – – 0.3 0.3 – –

Health care and social assistance ................... 3.1 3.1 – – – 1.6 – –

Hospitals ...................................................... 3.2 3.2 – – 0.9 0.9 – –

Public administration ............................................ 1.3 1.3 – 2 ( ) 1.0 1.0 – –

1 to 99 workers ........................................................ 3.0 3.0 – – – 2.5 – –

1 to 49 workers .................................................... – 4.4 – – – 4.4 – –

50 to 99 workers .................................................. – 4.0 – – – 1.2 – –

100 workers or more ................................................ 0.8 0.9 – 0.1 0.4 0.4 – –

100 to 499 workers .............................................. 1.6 1.6 – 0.3 – 1.4 – –

500 workers or more ............................................ 1.0 1.0 – 0.1 0.5 0.5 – –

State government .................................................... 2.0 2.0 – – 1.0 1.0 – –

Local government .................................................... 0.8 0.8 – 0.1 0.5 0.5 – –

See footnotes at end of table.
Table 45. Standard errors for dental care benefits: Extent of coverage for

selected services, state and local government workers, National

Compensation Survey, 2011—Continued

Characteristics

Major services

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 0.3 0.8 0.4 0.6

Worker characteristic

Management, professional, and related .................. 0.3 0.9 0.3 0.8

Professional and related ...................................... 0.3 0.9 0.4 0.7

Teachers .......................................................... 0.4 0.8 0.6 0.4

Primary, secondary, and special education

school teachers .......................................... 0.4 0.9 – –

Service ..................................................................... 0.4 1.4 – –

Protective service ................................................ – 2.2 – 0.9

Sales and office ....................................................... – 1.4 – 0.5

Office and administrative support ........................ – 1.5 – 0.6

Natural resources, construction, and maintenance – 1.2 – 0.8

Production, transportation, and material moving ..... – 1.9 – 1.1

Full time ................................................................... 0.2 0.8 0.4 0.6

Part time .................................................................. – 3.1 – 1.5

Union ....................................................................... 0.5 0.8 0.4 0.5

Nonunion ................................................................. 0.1 1.3 0.8 1.0

Average wage within the following categories:3

Lowest 25 percent ............................................... – 1.3 – 0.5

Lowest 10 percent ........................................... – 2.4 – 0.8

Second 25 percent ............................................... 0.4 1.3 – –

Third 25 percent ................................................... 0.5 1.2 0.6 0.9

Highest 25 percent ............................................... 0.4 0.7 0.4 0.5

Highest 10 percent ........................................... 0.6 0.8 – –

Establishment characteristic

Service-providing industries ..................................... 0.3 0.8 0.4 0.6

Education and health services ............................. 0.3 0.8 0.5 0.6

Educational services ........................................ 0.3 0.7 0.4 0.6

Elementary and secondary schools ............. 0.3 0.8 0.5 0.6

Junior colleges, colleges, and universities ... – 1.7 – 1.6

Health care and social assistance ................... – 2.4 – 0.8

Hospitals ...................................................... – 2.9 – 1.3

Public administration ............................................ 0.4 1.3 – –

1 to 99 workers ........................................................ – 2.9 – 0.9

1 to 49 workers .................................................... – 5.0 – 1.2

50 to 99 workers .................................................. – 2.3 – 1.3

100 workers or more ................................................ 0.3 0.8 0.4 0.7

100 to 499 workers .............................................. – 0.9 – 0.5

500 workers or more ............................................ 0.3 1.0 0.5 0.9

State government .................................................... 0.1 2.0 – –

Local government .................................................... 0.4 0.8 0.5 0.4

See footnotes at end of table.
Table 45. Standard errors for dental care benefits: Extent of coverage for selected services, state and local

government workers, National Compensation Survey, 2011—Continued

Characteristics

Preventive services Basic services

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... – 4.2 – – – 1.1 – –

Middle Atlantic ......................................................... 1.7 1.7 – 2 ( ) 1.8 1.8 – –

East North Central ................................................... 1.4 1.5 – 0.4 – 0.8 – –

West North Central .................................................. – 0.1 – – – 2 () – –

South Atlantic ........................................................... 3.6 3.6 – 2 ( ) – 0.8 – –

East South Central ................................................... – 5.7 – – – 2 () – –

West South Central .................................................. – 1.2 – – – 2 () – –

Mountain .................................................................. – 3.5 – 0.2 – 0.2 – –

Pacific ...................................................................... 1.2 1.2 – 0.2 1.1 1.1 – –

See footnotes at end of table.
Table 45. Standard errors for dental care benefits: Extent of coverage for

selected services, state and local government workers, National

Compensation Survey, 2011—Continued

Characteristics

Major services

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... – 1.0 – –

Middle Atlantic ......................................................... 0.6 0.7 – –

East North Central ................................................... – 3.6 0.6 –

West North Central .................................................. – 3.3 – 2.2

South Atlantic ........................................................... – 1.4 1.3 –

East South Central ................................................... – 5.8 – 5.8

West South Central .................................................. – 4.4 – 2.9

Mountain .................................................................. – 0.2 – 1.0

Pacific ...................................................................... 1.0 1.5 – –

1 Coverage for dental procedures may be subject to

scheduled allowance, deductible, or coinsurance

provisions, in addition to maximum dollar limitations. 2 Less than 0.05. 3 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, 2010." 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/glossary20102011.htm.
Table 46. Dental care benefits: Coverage for orthodontia, state and local government

workers, National Compensation Survey, 2011

(All workers participating in dental care plans = 100 percent)

Characteristics

Employee and dependent

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Median2

percent of

covered

charges

All workers ............................................................... – 48 50 2 50

Worker characteristic

Management, professional, and related .................. – 47 50 3 50

Professional and related ...................................... – 47 51 2 50

Teachers .......................................................... – 44 53 3 50

Primary, secondary, and special education

school teachers .......................................... – 43 54 3 50

Service ..................................................................... – 48 51 2 50

Protective service ................................................ – 49 50 1 50

Sales and office ....................................................... – 50 49 2 50

Office and administrative support ........................ – 50 49 2 50

Natural resources, construction, and maintenance – 46 52 2 50

Production, transportation, and material moving ..... – 46 50 3 50

Full time ................................................................... – 47 51 2 50

Part time .................................................................. – 55 40 5 50

Union ....................................................................... – 47 50 3 50

Nonunion ................................................................. – 48 50 1 50

Average wage within the following categories:3

Lowest 25 percent ............................................... – 46 52 2 50

Lowest 10 percent ........................................... – 47 51 2 50

Second 25 percent ............................................... – 48 50 2 50

Third 25 percent ................................................... – 49 50 1 50

Highest 25 percent ............................................... – 47 50 3 50

Highest 10 percent ........................................... – 46 52 2 50

Establishment characteristic

Service-providing industries ..................................... – 48 50 2 50

Education and health services ............................. – 46 51 3 50

Educational services ........................................ – 46 51 3 50

Elementary and secondary schools ............. – 44 52 5 50

Junior colleges, colleges, and universities ... – 52 47 4 ( ) 50

Health care and social assistance ................... – 47 53 – 50

Hospitals ...................................................... – 46 54 – 50

Public administration ............................................ – 52 47 1 50

1 to 99 workers ........................................................ – 37 60 3 50

1 to 49 workers .................................................... – 33 66 1 50

50 to 99 workers .................................................. – 43 52 5 50

100 workers or more ................................................ – 49 49 2 50

100 to 499 workers .............................................. – 40 58 2 50

500 workers or more ............................................ – 52 46 2 50

State government .................................................... – 54 45 4 ( ) 50

Local government .................................................... – 45 52 3 50

See footnotes at end of table.
Table 46. Dental care benefits: Coverage for orthodontia, state and local government workers,

National Compensation Survey, 2011—Continued

(All workers participating in dental care plans = 100 percent)

Characteristics

Dependent only

Median2

lifetime

maximum Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Median2

percent of

covered

charges

All workers ............................................................... – 29 69 – 50 $1,500

Worker characteristic

Management, professional, and related .................. – 28 69 – 50 1,500

Professional and related ...................................... – 28 70 – 50 1,500

Teachers .......................................................... – 29 68 3 50 1,300

Primary, secondary, and special education

school teachers .......................................... – 28 69 3 50 1,200

Service ..................................................................... – 29 70 – 50 1,500

Protective service ................................................ – 27 71 – 50 1,500

Sales and office ....................................................... – 28 71 2 50 1,500

Office and administrative support ........................ – 27 71 2 50 1,500

Natural resources, construction, and maintenance – 34 65 – 50 1,500

Production, transportation, and material moving ..... – 32 66 – 50 1,500

Full time ................................................................... – 29 69 – 50 1,500

Part time .................................................................. – 21 74 5 50 1,500

Union ....................................................................... – 31 66 – 50 1,500

Nonunion ................................................................. – 25 74 – 50 1,500

Average wage within the following categories:3

Lowest 25 percent ............................................... – 25 73 2 50 1,500

Lowest 10 percent ........................................... – 24 74 2 50 1,500

Second 25 percent ............................................... – 30 68 – 50 1,500

Third 25 percent ................................................... – 29 70 – 50 1,500

Highest 25 percent ............................................... – 30 67 – 50 1,500

Highest 10 percent ........................................... – 32 66 – 50 1,500

Establishment characteristic

Service-providing industries ..................................... – 28 69 – 50 1,500

Education and health services ............................. – 27 70 – 50 1,500

Educational services ........................................ – 28 68 – 50 1,500

Elementary and secondary schools ............. – 26 70 – 50 1,250

Junior colleges, colleges, and universities ... – 35 65 4 ( ) 50 1,500

Health care and social assistance ................... – 24 76 – 50 1,500

Hospitals ...................................................... – 25 75 – 50 1,500

Public administration ............................................ – 28 71 – 50 1,500

1 to 99 workers ........................................................ – 33 64 3 50 1,500

1 to 49 workers .................................................... – 36 63 1 50 1,500

50 to 99 workers .................................................. – 29 66 5 50 1,500

100 workers or more ................................................ – 28 70 – 50 1,500

100 to 499 workers .............................................. – 28 70 2 50 1,500

500 workers or more ............................................ – 28 70 – 50 1,500

State government .................................................... – 34 66 4 ( ) 50 1,500

Local government .................................................... – 26 71 – 50 1,500

See footnotes at end of table.
Table 46. Dental care benefits: Coverage for orthodontia, state and local government

workers, National Compensation Survey, 2011—Continued

(All workers participating in dental care plans = 100 percent)

Characteristics

Employee and dependent

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Median2

percent of

covered

charges

Geographic area

New England ........................................................... – 39 60 4 ( ) 50

Middle Atlantic ......................................................... – 44 54 2 50

East North Central ................................................... – 37 62 1 60

West North Central .................................................. – 39 60 2 50

South Atlantic ........................................................... – 37 62 1 50

East South Central ................................................... – 42 51 8 50

West South Central .................................................. – 53 45 2 50

Mountain .................................................................. – 59 41 1 50

Pacific ...................................................................... – 64 31 5 50

See footnotes at end of table.
Table 46. Dental care benefits: Coverage for orthodontia, state and local government workers,

National Compensation Survey, 2011—Continued

(All workers participating in dental care plans = 100 percent)

Characteristics

Dependent only

Median2

lifetime

maximum Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Median2

percent of

covered

charges

Geographic area

New England ........................................................... – 20 78 2 50 $1,200

Middle Atlantic ......................................................... – 42 56 – 50 1,840

East North Central ................................................... – 50 49 1 50 1,500

West North Central .................................................. – 41 59 – 50 1,500

South Atlantic ........................................................... – 26 73 4 ( ) 50 1,500

East South Central ................................................... – – 63 8 – 1,000

West South Central .................................................. – 24 75 2 50 1,500

Mountain .................................................................. – – 84 1 – 1,500

Pacific ...................................................................... – 11 85 5 50 1,500

1 Coverage for orthodontia care benefits may be subject to scheduled

allowance, deductible, or coinsurance provisions, in addition to maximum

dollar amounts. 2 Medians include only those plans that have the specified provision. 3 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, 2010." See Technical Note for more details. 4 Less than 0.5.

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.
Table 46. Standard errors for dental care benefits: Coverage for orthodontia, state and

local government workers, National Compensation Survey, 2011

Characteristics

Employee and dependent

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Median2

percent of

covered

charges

All workers ............................................................... – 1.5 1.5 0.3 0.0

Worker characteristic

Management, professional, and related .................. – 1.6 1.6 0.4 0.0

Professional and related ...................................... – 1.7 1.7 0.5 0.0

Teachers .......................................................... – 2.4 2.4 0.6 0.0

Primary, secondary, and special education

school teachers .......................................... – 2.5 2.5 0.8 0.0

Service ..................................................................... – 2.2 2.2 0.4 0.0

Protective service ................................................ – 3.1 3.0 0.5 0.0

Sales and office ....................................................... – 3.3 3.3 0.4 0.0

Office and administrative support ........................ – 3.3 3.3 0.4 0.0

Natural resources, construction, and maintenance – 5.2 5.0 0.9 0.0

Production, transportation, and material moving ..... – 3.4 3.4 1.0 0.0

Full time ................................................................... – 1.6 1.5 0.3 0.0

Part time .................................................................. – 4.4 4.5 1.3 0.0

Union ....................................................................... – 1.8 1.8 0.4 0.0

Nonunion ................................................................. – 2.5 2.4 0.4 0.0

Average wage within the following categories:3

Lowest 25 percent ............................................... – 3.0 3.0 0.6 0.0

Lowest 10 percent ........................................... – 4.7 4.6 1.1 0.0

Second 25 percent ............................................... – 2.2 2.2 0.4 0.0

Third 25 percent ................................................... – 2.0 1.9 0.4 0.0

Highest 25 percent ............................................... – 1.7 1.8 0.4 0.0

Highest 10 percent ........................................... – 2.3 2.3 0.5 0.0

Establishment characteristic

Service-providing industries ..................................... – 1.5 1.5 0.3 0.0

Education and health services ............................. – 1.9 1.9 0.4 0.0

Educational services ........................................ – 2.0 2.0 0.5 0.0

Elementary and secondary schools ............. – 2.1 2.1 0.7 0.0

Junior colleges, colleges, and universities ... – 4.4 4.4 0.4 0.0

Health care and social assistance ................... – 3.9 3.9 – 0.0

Hospitals ...................................................... – 5.3 5.3 – 0.0

Public administration ............................................ – 2.2 2.2 0.3 0.0

1 to 99 workers ........................................................ – 4.2 4.5 1.9 0.0

1 to 49 workers .................................................... – 5.5 5.5 0.7 0.0

50 to 99 workers .................................................. – 5.9 6.2 3.8 0.0

100 workers or more ................................................ – 1.6 1.6 0.3 0.0

100 to 499 workers .............................................. – 3.0 3.0 0.6 0.0

500 workers or more ............................................ – 1.7 1.7 0.4 0.0

State government .................................................... – 2.7 2.7 0.2 0.0

Local government .................................................... – 1.7 1.7 0.4 0.0

See footnotes at end of table.
Table 46. Standard errors for dental care benefits: Coverage for orthodontia, state and local

government workers, National Compensation Survey, 2011—Continued

Characteristics

Dependent only

Median2

lifetime

maximum Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Median2

percent of

covered

charges

All workers ............................................................... – 1.7 1.7 – 0.0 $0

Worker characteristic

Management, professional, and related .................. – 1.4 1.4 – 0.0 0

Professional and related ...................................... – 1.6 1.6 – 0.0 0

Teachers .......................................................... – 2.5 2.5 0.6 0.0 234

Primary, secondary, and special education

school teachers .......................................... – 2.8 2.8 0.8 0.0 70

Service ..................................................................... – 2.4 2.5 – 0.0 0

Protective service ................................................ – 3.1 3.2 – 0.0 0

Sales and office ....................................................... – 3.3 3.3 0.4 0.0 0

Office and administrative support ........................ – 3.5 3.5 0.4 0.0 0

Natural resources, construction, and maintenance – 5.1 5.1 – 0.0 0

Production, transportation, and material moving ..... – 3.3 3.3 – 0.0 0

Full time ................................................................... – 1.7 1.7 – 0.0 0

Part time .................................................................. – 3.8 4.1 1.3 0.0 212

Union ....................................................................... – 1.9 1.9 – 0.0 0

Nonunion ................................................................. – 2.1 2.2 – 0.0 0

Average wage within the following categories:3

Lowest 25 percent ............................................... – 2.6 2.7 0.6 0.0 0

Lowest 10 percent ........................................... – 3.8 4.1 1.1 0.0 0

Second 25 percent ............................................... – 2.5 2.5 – 0.0 0

Third 25 percent ................................................... – 2.0 2.0 – 0.0 0

Highest 25 percent ............................................... – 1.6 1.6 – 0.0 0

Highest 10 percent ........................................... – 2.4 2.4 – 0.0 91

Establishment characteristic

Service-providing industries ..................................... – 1.7 1.7 – 0.0 0

Education and health services ............................. – 1.9 1.8 – 0.0 0

Educational services ........................................ – 1.9 1.9 – 0.0 20

Elementary and secondary schools ............. – 2.0 2.0 – 0.0 116

Junior colleges, colleges, and universities ... – 4.0 4.1 0.4 0.0 0

Health care and social assistance ................... – 3.4 3.4 – 0.0 0

Hospitals ...................................................... – 4.6 4.6 – 0.0 0

Public administration ............................................ – 2.4 2.5 – 0.0 0

1 to 99 workers ........................................................ – 3.9 4.1 1.9 0.0 0

1 to 49 workers .................................................... – 5.5 5.4 0.7 0.0 0

50 to 99 workers .................................................. – 6.1 6.5 3.8 0.0 172

100 workers or more ................................................ – 1.7 1.7 – 0.0 0

100 to 499 workers .............................................. – 3.0 3.0 0.6 0.0 0

500 workers or more ............................................ – 1.7 1.8 – 0.0 0

State government .................................................... – 2.7 2.7 0.2 0.0 0

Local government .................................................... – 2.0 2.0 – 0.0 0

See footnotes at end of table.
Table 46. Standard errors for dental care benefits: Coverage for orthodontia, state and

local government workers, National Compensation Survey, 2011—Continued

Characteristics

Employee and dependent

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Median2

percent of

covered

charges

Geographic area

New England ........................................................... – 7.6 7.9 0.3 0.0

Middle Atlantic ......................................................... – 3.5 3.5 0.3 13.5

East North Central ................................................... – 2.9 3.1 0.7 11.8

West North Central .................................................. – 8.1 7.5 1.3 0.0

South Atlantic ........................................................... – 4.0 3.9 0.4 0.0

East South Central ................................................... – 12.0 10.9 5.8 0.0

West South Central .................................................. – 6.0 6.4 1.2 0.0

Mountain .................................................................. – 4.2 4.2 0.4 0.0

Pacific ...................................................................... – 1.9 1.9 0.6 0.0

See footnotes at end of table.
Table 46. Standard errors for dental care benefits: Coverage for orthodontia, state and local

government workers, National Compensation Survey, 2011—Continued

Characteristics

Dependent only

Median2

lifetime

maximum Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Median2

percent of

covered

charges

Geographic area

New England ........................................................... – 4.6 5.3 1.1 0.0 $0

Middle Atlantic ......................................................... – 3.5 3.6 – 0.0 496

East North Central ................................................... – 2.2 2.2 0.7 0.0 0

West North Central .................................................. – 9.4 9.4 – 0.0 0

South Atlantic ........................................................... – 3.4 3.4 0.2 0.0 0

East South Central ................................................... – – 13.2 5.8 – 0

West South Central .................................................. – 4.4 4.1 1.2 0.0 103

Mountain .................................................................. – – 6.0 0.4 – 0

Pacific ...................................................................... – 1.8 1.9 0.6 0.0 196

1 Coverage for orthodontia care benefits may be subject to scheduled

allowance, deductible, or coinsurance provisions, in addition to maximum

dollar amounts. 2

Note: Medians include only those plans that have specified provision 3 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, 2010." 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/glossary20102011.htm.
Table 47. Dental care benefits: Median percent of covered charges

paid by plan for selected services, state and local government

workers, National Compensation Survey, 2011

(Includes all workers participating in dental care plans)

Characteristics Preventive

services1

Basic

services2

Major

services3

All workers ............................................................... 100 80 50

Worker characteristic

Management, professional, and related .................. 100 80 50

Professional and related ...................................... 100 80 50

Teachers .......................................................... 100 80 50

Primary, secondary, and special education

school teachers .......................................... 100 80 50

Service ..................................................................... 100 80 50

Protective service ................................................ 100 80 50

Sales and office ....................................................... 100 80 50

Office and administrative support ........................ 100 80 50

Natural resources, construction, and maintenance 100 80 50

Production, transportation, and material moving ..... 100 80 50

Full time ................................................................... 100 80 50

Part time .................................................................. 100 80 50

Union ....................................................................... 100 80 50

Nonunion ................................................................. 100 80 50

Average wage within the following categories:4

Lowest 25 percent ............................................... 100 80 50

Lowest 10 percent ........................................... 100 80 50

Second 25 percent ............................................... 100 80 50

Third 25 percent ................................................... 100 80 50

Highest 25 percent ............................................... 100 80 50

Highest 10 percent ........................................... 100 80 50

Establishment characteristic

Service-providing industries ..................................... 100 80 50

Education and health services ............................. 100 80 50

Educational services ........................................ 100 80 50

Elementary and secondary schools ............. 100 80 50

Junior colleges, colleges, and universities ... 100 80 50

Health care and social assistance ................... 100 80 50

Hospitals ...................................................... 100 80 50

Public administration ............................................ 100 80 50

1 to 99 workers ........................................................ 100 80 50

1 to 49 workers .................................................... 100 80 50

50 to 99 workers .................................................. 100 80 50

100 workers or more ................................................ 100 80 50

100 to 499 workers .............................................. 100 80 50

500 workers or more ............................................ 100 80 50

State government .................................................... 100 80 50

Local government .................................................... 100 80 50

See footnotes at end of table.
Table 47. Dental care benefits: Median percent of covered charges

paid by plan for selected services, state and local government

workers, National Compensation Survey, 2011—Continued

(Includes all workers participating in dental care plans)

Characteristics Preventive

services1

Basic

services2

Major

services3

Geographic area

New England ........................................................... 100 80 50

Middle Atlantic ......................................................... 100 80 50

East North Central ................................................... 100 80 50

West North Central .................................................. 100 80 50

South Atlantic ........................................................... 100 80 50

East South Central ................................................... 100 80 50

West South Central .................................................. 100 80 50

Mountain .................................................................. 100 80 50

Pacific ...................................................................... 100 80 50

1 Preventive services include routine exams,

cleanings, and x-rays, and other preventive care. 2 Basic services include fillings, dental surgery,

periodontal care (treatment for gum disease), and

endodontics (root canal therapy). 3 Major services include procedures such as

crowns and prosthetics (replacement of missing teeth

with bridgework or dentures). 4 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,

2010." See Technical Note for more details.

NOTE: 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.
Table 47. Standard errors for dental care benefits: Median percent of

covered charges paid by plan for selected services, state and local

government workers, National Compensation Survey, 2011

Characteristics Preventive

services1

Basic

services2

Major

services3

All workers ............................................................... 0.0 0.0 0.0

Worker characteristic

Management, professional, and related .................. 0.0 0.0 0.0

Professional and related ...................................... 0.0 0.0 0.0

Teachers .......................................................... 0.0 0.0 0.0

Primary, secondary, and special education

school teachers .......................................... 0.0 0.0 0.0

Service ..................................................................... 0.0 0.0 0.0

Protective service ................................................ 0.0 0.0 0.0

Sales and office ....................................................... 0.0 0.0 0.0

Office and administrative support ........................ 0.0 0.0 0.0

Natural resources, construction, and maintenance 0.0 0.0 0.0

Production, transportation, and material moving ..... 0.0 0.0 0.0

Full time ................................................................... 0.0 0.0 0.0

Part time .................................................................. 0.0 0.0 0.0

Union ....................................................................... 0.0 0.0 0.0

Nonunion ................................................................. 0.0 0.0 0.0

Average wage within the following categories:4

Lowest 25 percent ............................................... 0.0 0.0 0.0

Lowest 10 percent ........................................... 0.0 0.0 0.0

Second 25 percent ............................................... 0.0 0.0 0.0

Third 25 percent ................................................... 0.0 0.0 0.0

Highest 25 percent ............................................... 0.0 0.0 0.0

Highest 10 percent ........................................... 0.0 0.0 0.0

Establishment characteristic

Service-providing industries ..................................... 0.0 0.0 0.0

Education and health services ............................. 0.0 0.0 0.0

Educational services ........................................ 0.0 0.0 0.0

Elementary and secondary schools ............. 0.0 0.0 0.0

Junior colleges, colleges, and universities ... 0.0 0.0 0.0

Health care and social assistance ................... 0.0 0.0 0.0

Hospitals ...................................................... 0.0 0.0 0.0

Public administration ............................................ 0.0 0.0 0.0

1 to 99 workers ........................................................ 0.0 0.0 0.0

1 to 49 workers .................................................... 0.0 0.0 0.0

50 to 99 workers .................................................. 0.0 0.0 0.0

100 workers or more ................................................ 0.0 0.0 0.0

100 to 499 workers .............................................. 0.0 0.0 0.0

500 workers or more ............................................ 0.0 0.0 0.0

State government .................................................... 0.0 0.0 0.0

Local government .................................................... 0.0 0.0 0.0

See footnotes at end of table.
Table 47. Standard errors for dental care benefits: Median percent of

covered charges paid by plan for selected services, state and local

government workers, National Compensation Survey,

2011—Continued

Characteristics Preventive

services1

Basic

services2

Major

services3

Geographic area

New England ........................................................... 0.0 0.0 0.0

Middle Atlantic ......................................................... 0.0 0.0 8.8

East North Central ................................................... 0.0 0.0 13.3

West North Central .................................................. 0.0 0.0 0.0

South Atlantic ........................................................... 0.0 0.0 0.0

East South Central ................................................... 0.0 0.0 0.0

West South Central .................................................. 0.0 0.0 0.0

Mountain .................................................................. 0.0 0.0 0.0

Pacific ...................................................................... 0.0 0.0 0.0

1 Preventive services include routine exams,

cleanings, and x-rays, and other preventive care. 2 Basic services include fillings, dental surgery,

periodontal care (treatment for gum disease), and

endodontics (root canal therapy). 3 Major services include procedures such as

crowns and prosthetics (replacement of missing teeth

with bridgework or dentures). 4 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,

2010." See Technical Note for more details.

NOTE: 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.
Table 48. Dental care benefits: Amount of annual individual deductible,1

 state and local government workers, National Compensation

Survey, 2011

(All workers participating in dental care plans = 100 percent)

Characteristics Total

With annual

individual

deductible

Amount of annual individual deductible With no

annual

individual

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................... 100 60 $25 $25 $50 $50 $50 38 2

Worker characteristic

Management, professional, and related .................. 100 60 25 25 50 50 50 38 2

Professional and related ...................................... 100 59 25 25 50 50 50 39 2

Teachers .......................................................... 100 56 25 25 50 50 50 41 3

Primary, secondary, and special education

school teachers .......................................... 100 53 25 25 50 50 50 43 4

Service ..................................................................... 100 62 25 25 50 50 50 37 1

Protective service ................................................ 100 64 25 25 50 50 50 36 2 ( )

Sales and office ....................................................... 100 58 25 25 50 50 50 41 1

Office and administrative support ........................ 100 57 25 25 50 50 50 41 1

Natural resources, construction, and maintenance 100 66 25 25 50 50 – 33 2

Production, transportation, and material moving ..... 100 50 25 25 50 50 50 47 3

Full time ................................................................... 100 60 25 25 50 50 50 38 2

Part time .................................................................. 100 58 25 – 50 50 – 40 2

Union ....................................................................... 100 49 25 25 50 50 50 49 2

Nonunion ................................................................. 100 77 25 25 50 50 50 22 1

Average wage within the following categories:3

Lowest 25 percent ............................................... 100 70 25 25 50 50 50 29 2

Lowest 10 percent ........................................... 100 74 25 25 50 50 50 26 2 ( )

Second 25 percent ............................................... 100 60 25 25 50 50 50 39 1

Third 25 percent ................................................... 100 63 25 25 50 50 50 35 1

Highest 25 percent ............................................... 100 53 25 25 50 50 50 44 2

Highest 10 percent ........................................... 100 47 25 25 50 50 50 49 4

Establishment characteristic

Service-providing industries ..................................... 100 60 25 25 50 50 50 39 2

Education and health services ............................. 100 59 25 25 50 50 50 39 2

Educational services ........................................ 100 57 25 25 50 50 50 40 2

Elementary and secondary schools ............. 100 54 25 25 50 50 50 43 3

Junior colleges, colleges, and universities ... 100 68 25 25 50 50 50 32 2 ( )

Health care and social assistance ................... 100 66 25 25 50 50 50 32 2

Hospitals ...................................................... 100 64 25 – 50 50 50 33 3

Public administration ............................................ 100 63 25 25 50 50 50 36 1

1 to 99 workers ........................................................ 100 71 25 25 50 50 50 28 1

1 to 49 workers .................................................... 100 70 25 25 – 50 50 30 2 ( )

50 to 99 workers .................................................. 100 73 25 50 50 50 50 25 2

100 workers or more ................................................ 100 59 25 25 50 50 50 39 2

100 to 499 workers .............................................. 100 62 25 25 50 50 50 36 2

500 workers or more ............................................ 100 58 25 25 50 50 50 41 2

State government .................................................... 100 69 25 25 50 50 50 31 –

Local government .................................................... 100 56 25 25 50 50 50 41 2

See footnotes at end of table.
Table 48. Dental care benefits: Amount of annual individual deductible,1

 state and local government workers, National Compensation

Survey, 2011—Continued

(All workers participating in dental care plans = 100 percent)

Characteristics Total

With annual

individual

deductible

Amount of annual individual deductible With no

annual

individual

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Geographic area

New England ........................................................... 100 41 $25 $25 $25 $50 $50 56 3

Middle Atlantic ......................................................... 100 30 25 25 – 50 50 70 2 ( )

East North Central ................................................... 100 61 25 25 50 50 100 35 4

West North Central .................................................. 100 73 25 25 – 50 50 – –

South Atlantic ........................................................... 100 82 25 25 50 50 50 18 1

East South Central ................................................... 100 99 25 – 50 50 50 – –

West South Central .................................................. 100 82 25 25 50 50 50 16 3

Mountain .................................................................. 100 77 25 50 50 50 50 – –

Pacific ...................................................................... 100 52 25 – 50 50 50 47 2

1 Amount of deductible is for each insured individual and excludes separate deductibles for

orthodontic procedures. A single deductible may not apply to all covered dental procedures. If separate

deductibles applied to different procedures, the sum of the deductible amounts was tabulated. 2 Less than 0.5. 3 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,

2010." 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.
Table 48. Standard errors for dental care benefits: Amount of annual individual deductible,1

 state and local government

workers, National Compensation Survey, 2011

Characteristics

With annual

individual

deductible

Amount of annual individual deductible With no

annual

individual

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................... 1.6 $0 $0 $0 $0 $0 1.5 0.4

Worker characteristic

Management, professional, and related .................. 1.6 0 0 0 0 0 1.6 0.4

Professional and related ...................................... 1.7 0 0 0 0 0 1.6 0.4

Teachers .......................................................... 2.0 0 0 0 0 0 1.9 0.6

Primary, secondary, and special education

school teachers .......................................... 2.2 0 0 0 0 0 2.2 0.7

Service ..................................................................... 2.3 0 0 0 0 0 2.2 0.4

Protective service ................................................ 3.0 0 0 0 0 0 3.0 0.3

Sales and office ....................................................... 2.8 0 0 0 0 0 2.8 0.5

Office and administrative support ........................ 2.8 0 0 0 0 0 2.8 0.5

Natural resources, construction, and maintenance 3.4 0 0 0 0 – 3.4 0.7

Production, transportation, and material moving ..... 4.1 0 0 0 0 0 4.1 0.5

Full time ................................................................... 1.5 0 0 0 0 0 1.5 0.3

Part time .................................................................. 5.1 0 – 0 0 – 4.0 1.6

Union ....................................................................... 1.7 0 0 0 0 0 1.7 0.5

Nonunion ................................................................. 2.3 0 0 0 0 0 2.2 0.3

Average wage within the following categories:2

Lowest 25 percent ............................................... 2.7 0 0 0 0 0 2.5 0.5

Lowest 10 percent ........................................... 4.2 0 0 0 0 0 4.2 0.2

Second 25 percent ............................................... 2.7 0 0 0 0 0 2.6 0.4

Third 25 percent ................................................... 2.0 0 0 0 0 0 1.9 0.4

Highest 25 percent ............................................... 1.7 0 0 0 0 0 1.6 0.5

Highest 10 percent ........................................... 2.1 0 0 0 0 0 2.0 0.8

Establishment characteristic

Service-providing industries ..................................... 1.6 0 0 0 0 0 1.5 0.4

Education and health services ............................. 2.3 0 0 0 0 0 2.2 0.6

Educational services ........................................ 2.1 0 0 0 0 0 2.0 0.5

Elementary and secondary schools ............. 1.9 0 0 0 0 8 1.8 0.6

Junior colleges, colleges, and universities ... 6.2 0 0 0 0 0 6.2 0.2

Health care and social assistance ................... 5.7 0 0 0 0 0 5.6 1.7

Hospitals ...................................................... 7.9 0 – 0 0 0 7.7 2.5

Public administration ............................................ 1.8 0 0 0 0 0 1.8 0.3

1 to 99 workers ........................................................ 4.6 0 5 0 0 0 4.6 0.7

1 to 49 workers .................................................... 7.8 0 0 – 0 0 7.9 0.4

50 to 99 workers .................................................. 5.1 0 8 0 0 0 5.0 1.4

100 workers or more ................................................ 1.6 0 0 0 0 0 1.5 0.4

100 to 499 workers .............................................. 3.0 0 0 0 0 0 3.0 0.7

500 workers or more ............................................ 2.1 0 0 0 0 0 2.2 0.4

State government .................................................... 4.8 0 0 0 0 0 4.8 –

Local government .................................................... 1.3 0 0 0 0 0 1.3 0.5

See footnotes at end of table.
Table 48. Standard errors for dental care benefits: Amount of annual individual deductible,1

 state and local government

workers, National Compensation Survey, 2011—Continued

Characteristics

With annual

individual

deductible

Amount of annual individual deductible With no

annual

individual

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Geographic area

New England ........................................................... 4.6 $0 $0 $0 $0 $0 4.7 0.8

Middle Atlantic ......................................................... 4.0 0 0 – 0 0 4.1 0.1

East North Central ................................................... 3.9 0 0 13 0 20 3.8 1.2

West North Central .................................................. 11.8 0 0 – 0 0 – –

South Atlantic ........................................................... 2.9 0 0 0 0 0 2.9 0.1

East South Central ................................................... 0.7 0 – 0 0 0 – –

West South Central .................................................. 4.7 0 0 0 0 0 4.3 2.2

Mountain .................................................................. 4.8 0 0 0 0 0 – –

Pacific ...................................................................... 2.0 0 – 0 0 0 1.9 1.1

1 Amount of deductible is for each insured individual and excludes separate deductibles for

orthodontic procedures. A single deductible may not apply to all covered dental procedures. If

separate deductibles applied to different procedures, the sum of the deductible amounts was

tabulated. 2 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, 2010." 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/glossary20102011.htm.
Table 49. Dental care benefits: Amount of annual family deductible,1

 state and local government workers, National Compensation

Survey, 2011

(All workers participating in dental care plans = 100 percent)

Characteristics Total

With annual

family

deductible

Amount of annual family deductible

With no

annual family

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................... 100 46 $75 $75 $150 $150 $150 52 2

Worker characteristic

Management, professional, and related .................. 100 45 – 75 150 150 150 53 2

Professional and related ...................................... 100 45 – 75 150 150 150 53 2

Teachers .......................................................... 100 43 – 75 – 150 150 54 3

Primary, secondary, and special education

school teachers .......................................... 100 42 – 75 – 150 150 54 4

Service ..................................................................... 100 49 75 75 150 150 150 50 1

Protective service ................................................ 100 52 75 75 150 150 150 48 2 ( )

Sales and office ....................................................... 100 45 75 75 150 150 150 54 1

Office and administrative support ........................ 100 45 75 75 150 150 150 54 1

Natural resources, construction, and maintenance 100 50 75 75 – 150 150 49 2

Production, transportation, and material moving ..... 100 38 – 75 – 150 150 59 3

Full time ................................................................... 100 46 75 75 150 150 150 52 2

Part time .................................................................. 100 39 75 100 150 150 150 60 2

Union ....................................................................... 100 37 75 75 150 150 150 60 2

Nonunion ................................................................. 100 59 75 75 150 150 150 40 1

Average wage within the following categories:3

Lowest 25 percent ............................................... 100 53 75 75 150 150 150 46 2

Lowest 10 percent ........................................... 100 56 75 75 150 150 150 44 2 ( )

Second 25 percent ............................................... 100 45 75 75 150 150 150 54 1

Third 25 percent ................................................... 100 50 75 75 150 150 150 49 1

Highest 25 percent ............................................... 100 40 75 75 – 150 150 57 2

Highest 10 percent ........................................... 100 34 50 75 100 150 150 62 4

Establishment characteristic

Service-providing industries ..................................... 100 46 75 75 150 150 150 53 2

Education and health services ............................. 100 44 – 75 – 150 150 54 2

Educational services ........................................ 100 42 50 75 – 150 150 56 2

Elementary and secondary schools ............. 100 41 – 75 – 150 150 56 3

Junior colleges, colleges, and universities ... 100 43 50 – – 150 150 57 2 ( )

Health care and social assistance ................... 100 54 75 – 150 150 150 44 2

Hospitals ...................................................... 100 52 75 75 150 150 150 46 3

Public administration ............................................ 100 52 75 75 150 150 150 48 1

1 to 99 workers ........................................................ 100 53 75 – 150 150 150 45 1

1 to 49 workers .................................................... 100 48 75 75 – 150 150 52 2 ( )

50 to 99 workers .................................................. 100 60 75 – 150 150 150 38 2

100 workers or more ................................................ 100 45 75 75 150 150 150 53 2

100 to 499 workers .............................................. 100 47 75 75 150 150 150 51 2

500 workers or more ............................................ 100 45 75 75 150 150 150 54 2

State government .................................................... 100 51 – – 150 150 150 49 –

Local government .................................................... 100 44 75 75 – 150 150 54 2

See footnotes at end of table.
Table 49. Dental care benefits: Amount of annual family deductible,1

 state and local government workers, National Compensation

Survey, 2011—Continued

(All workers participating in dental care plans = 100 percent)

Characteristics Total

With annual

family

deductible

Amount of annual family deductible

With no

annual family

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Geographic area

New England ........................................................... 100 30 $75 $75 – $150 $150 67 3

Middle Atlantic ......................................................... 100 29 50 – $75 150 150 71 2 ( )

East North Central ................................................... 100 42 – 75 – 150 150 54 4

West North Central .................................................. 100 57 – 75 – 150 150 – –

South Atlantic ........................................................... 100 71 75 75 100 150 150 28 1

East South Central ................................................... 100 87 75 – 150 150 150 – –

West South Central .................................................. 100 47 75 – 150 150 150 51 3

Mountain .................................................................. 100 64 – – 150 150 150 – –

Pacific ...................................................................... 100 34 75 100 150 150 150 64 2

1 Amount of deductible excludes separate deductibles for orthodontic procedures. A deductible may

not apply to all covered dental procedures. If separate deductibles applied to different procedures, the

sum of the deductible amounts was tabulated. 2 Less than 0.5. 3 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,

2010." 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.
Table 49. Standard errors for dental care benefits: Amount of annual family deductible,1

 state and local government workers,

National Compensation Survey, 2011

Characteristics

With annual

family

deductible

Amount of annual family deductible

With no

annual family

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................... 2.0 $0 $0 $0 $0 $0 1.9 0.4

Worker characteristic

Management, professional, and related .................. 2.0 – 0 17 0 0 2.0 0.4

Professional and related ...................................... 2.2 – 0 43 0 0 2.1 0.4

Teachers .......................................................... 2.4 – 0 – 0 0 2.4 0.6

Primary, secondary, and special education

school teachers .......................................... 2.5 – 0 – 0 0 2.5 0.7

Service ..................................................................... 2.7 0 5 0 0 0 2.6 0.4

Protective service ................................................ 3.7 0 18 0 0 0 3.7 0.3

Sales and office ....................................................... 2.8 0 0 0 0 0 2.7 0.5

Office and administrative support ........................ 2.8 0 0 0 0 0 2.7 0.5

Natural resources, construction, and maintenance 4.2 0 0 – 0 0 4.2 0.7

Production, transportation, and material moving ..... 3.8 – 0 – 0 0 3.8 0.5

Full time ................................................................... 1.9 0 0 0 0 0 1.9 0.3

Part time .................................................................. 5.0 0 27 0 0 0 4.2 1.6

Union ....................................................................... 1.7 0 0 10 0 0 1.7 0.5

Nonunion ................................................................. 3.4 0 0 14 0 0 3.4 0.3

Average wage within the following categories:2

Lowest 25 percent ............................................... 3.5 0 0 0 0 0 3.3 0.5

Lowest 10 percent ........................................... 4.7 0 0 0 0 0 4.7 0.2

Second 25 percent ............................................... 2.6 0 0 22 0 0 2.6 0.4

Third 25 percent ................................................... 2.5 16 0 0 0 0 2.4 0.4

Highest 25 percent ............................................... 1.9 18 0 – 0 0 1.9 0.5

Highest 10 percent ........................................... 2.1 12 0 0 0 0 2.0 0.8

Establishment characteristic

Service-providing industries ..................................... 2.0 0 0 0 0 0 1.9 0.4

Education and health services ............................. 2.7 – 0 – 0 0 2.7 0.6

Educational services ........................................ 2.6 13 0 – 0 0 2.6 0.5

Elementary and secondary schools ............. 2.3 – 0 – 0 0 2.3 0.6

Junior colleges, colleges, and universities ... 7.2 0 – – 0 0 7.2 0.2

Health care and social assistance ................... 5.7 0 – 0 0 0 5.7 1.7

Hospitals ...................................................... 7.2 0 22 0 0 0 7.2 2.5

Public administration ............................................ 2.2 0 7 0 0 0 2.2 0.3

1 to 99 workers ........................................................ 4.5 0 – 0 0 0 4.5 0.7

1 to 49 workers .................................................... 7.2 0 0 – 0 0 7.3 0.4

50 to 99 workers .................................................. 5.1 15 – 0 0 0 5.1 1.4

100 workers or more ................................................ 2.0 0 0 14 0 0 1.9 0.4

100 to 499 workers .............................................. 2.9 0 0 34 0 0 2.8 0.7

500 workers or more ............................................ 2.2 11 0 17 0 0 2.2 0.4

State government .................................................... 4.5 – – 0 0 0 4.5 –

Local government .................................................... 1.8 0 0 – 0 0 1.7 0.5

See footnotes at end of table.
Table 49. Standard errors for dental care benefits: Amount of annual family deductible,1

 state and local government workers,

National Compensation Survey, 2011—Continued

Characteristics

With annual

family

deductible

Amount of annual family deductible

With no

annual family

deductible

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Geographic area

New England ........................................................... 4.9 $0 $0 – $0 $0 5.3 0.8

Middle Atlantic ......................................................... 4.1 0 – $10 0 0 4.1 0.1

East North Central ................................................... 3.0 – 0 – 0 0 3.2 1.2

West North Central .................................................. 11.7 – 0 – 0 0 – –

South Atlantic ........................................................... 3.7 0 0 29 0 0 3.6 0.1

East South Central ................................................... 6.4 0 – 0 0 0 – –

West South Central .................................................. 8.3 0 – 0 0 0 8.0 2.2

Mountain .................................................................. 11.2 – – 0 0 0 – –

Pacific ...................................................................... 2.7 0 0 0 0 0 2.4 1.1

1 Amount of deductible excludes separate deductibles for orthodontic procedures. A

deductible may not apply to all covered dental procedures. If separate deductibles applied to

different procedures, the sum of the deductible amounts was tabulated. 2 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, 2010." 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/glossary20102011.htm.
Table 50. Dental care benefits: Amount of annual plan maximum,1

 state and local government workers, National Compensation

Survey, 2011

(All workers participating in dental care plans = 100 percent)

Characteristics Total With annual

maximum

Amount of annual plan maximum

With no

annual

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................... 100 85 $1,000 $1,000 $1,500 $2,000 $2,000 14 1

Worker characteristic

Management, professional, and related .................. 100 86 1,000 1,000 1,500 2,000 2,000 13 2

Professional and related ...................................... 100 86 1,000 1,000 1,500 2,000 2,000 13 2

Teachers .......................................................... 100 85 1,000 1,000 1,500 1,750 2,000 12 2

Primary, secondary, and special education

school teachers .......................................... 100 85 1,000 1,000 1,500 1,750 2,000 12 3

Service ..................................................................... 100 84 1,000 1,000 1,500 2,000 2,200 15 1

Protective service ................................................ 100 82 1,000 1,000 1,500 2,000 2,000 17 1

Sales and office ....................................................... 100 84 1,000 1,000 1,500 2,000 2,000 15 1

Office and administrative support ........................ 100 84 1,000 1,000 1,500 2,000 2,000 16 1

Natural resources, construction, and maintenance 100 87 1,000 1,000 1,500 2,000 2,500 12 1

Production, transportation, and material moving ..... 100 78 1,000 1,000 1,500 1,750 2,000 20 2

Full time ................................................................... 100 85 1,000 1,000 1,500 2,000 2,000 14 1

Part time .................................................................. 100 84 1,000 1,250 1,500 2,000 2,000 15 1

Union ....................................................................... 100 82 1,000 1,200 1,500 2,000 2,500 17 2

Nonunion ................................................................. 100 89 1,000 1,000 1,500 1,750 2,000 10 1

Average wage within the following categories:2

Lowest 25 percent ............................................... 100 86 1,000 1,000 1,500 1,800 2,000 13 1

Lowest 10 percent ........................................... 100 87 1,000 1,000 1,500 1,750 2,000 11 2

Second 25 percent ............................................... 100 85 1,000 1,000 1,500 2,000 2,000 15 1

Third 25 percent ................................................... 100 84 1,000 1,000 1,500 2,000 2,200 15 1

Highest 25 percent ............................................... 100 85 1,000 1,200 1,500 2,000 2,500 14 2

Highest 10 percent ........................................... 100 82 1,000 1,300 1,500 2,000 2,500 16 2

Establishment characteristic

Service-providing industries ..................................... 100 85 1,000 1,000 1,500 2,000 2,000 14 1

Education and health services ............................. 100 86 1,000 1,000 1,500 2,000 2,000 13 2

Educational services ........................................ 100 86 1,000 1,000 1,500 2,000 2,000 13 2

Elementary and secondary schools ............. 100 84 1,000 1,000 1,500 1,750 2,000 13 2

Junior colleges, colleges, and universities ... 100 89 1,000 1,200 1,500 2,000 2,500 11 3 ( )

Health care and social assistance ................... 100 86 1,000 1,000 1,500 2,000 2,500 14 3 ( )

Hospitals ...................................................... 100 88 1,000 1,000 1,500 1,750 2,000 11 3 ( )

Public administration ............................................ 100 84 1,000 1,000 1,500 2,000 2,000 15 1

1 to 99 workers ........................................................ 100 87 1,000 1,000 1,500 1,750 2,000 12 2

1 to 49 workers .................................................... 100 82 1,000 1,000 1,500 2,000 2,000 – –

50 to 99 workers .................................................. 100 92 1,000 1,000 1,500 1,750 2,000 6 1

100 workers or more ................................................ 100 85 1,000 1,000 1,500 2,000 2,000 14 1

100 to 499 workers .............................................. 100 90 1,000 1,000 1,500 2,000 2,000 9 1

500 workers or more ............................................ 100 83 1,000 1,000 1,500 2,000 2,500 16 1

State government .................................................... 100 87 1,000 1,200 1,700 2,000 2,500 13 –

Local government .................................................... 100 84 1,000 1,000 1,500 1,750 2,000 14 2

See footnotes at end of table.
Table 50. Dental care benefits: Amount of annual plan maximum,1

 state and local government workers, National Compensation

Survey, 2011—Continued

(All workers participating in dental care plans = 100 percent)

Characteristics Total With annual

maximum

Amount of annual plan maximum

With no

annual

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Geographic area

New England ........................................................... 100 81 $1,000 $1,000 $1,000 $1,500 $2,000 16 3

Middle Atlantic ......................................................... 100 79 1,000 1,000 1,700 2,500 2,500 21 1

East North Central ................................................... 100 89 1,000 1,000 1,500 1,500 2,500 9 2

West North Central .................................................. 100 96 – 1,000 1,500 1,500 1,800 – –

South Atlantic ........................................................... 100 85 1,000 1,000 1,500 2,000 2,000 14 2

East South Central ................................................... 100 91 1,000 1,000 1,000 1,500 1,800 – –

West South Central .................................................. 100 80 1,000 1,250 1,500 2,000 2,000 15 5

Mountain .................................................................. 100 93 1,000 1,500 1,500 2,000 2,000 7 3 ( )

Pacific ...................................................................... 100 81 1,000 1,500 1,750 2,000 2,200 19 3 ( )

1 Includes all covered dental procedures except orthodontia. Coverage for dental procedures may

be subject to scheduled allowance, deductible, or coinsurance provisions, in addition to annual plan

maximum. If separate annual maximums applied to different dental procedures, the sum of the

maximum was tabulated. 2 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,

2010." See Technical Note for more details. 3 Less than 0.5.

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.
Table 50. Standard errors for dental care benefits: Amount of annual plan maximum,1

 state and local government workers,

National Compensation Survey, 2011

Characteristics With annual

maximum

Amount of annual plan maximum

With no

annual

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

All workers ............................................................... 0.9 $0 $0 $0 $0 $0 0.8 0.2

Worker characteristic

Management, professional, and related .................. 1.0 0 0 0 0 0 0.9 0.3

Professional and related ...................................... 1.0 0 0 0 0 0 1.0 0.3

Teachers .......................................................... 1.3 0 0 0 94 0 1.2 0.5

Primary, secondary, and special education

school teachers .......................................... 1.5 0 0 0 20 0 1.5 0.6

Service ..................................................................... 1.9 0 130 0 0 327 1.9 0.4

Protective service ................................................ 2.7 0 68 0 155 0 2.7 0.7

Sales and office ....................................................... 1.6 0 197 100 0 0 1.6 0.3

Office and administrative support ........................ 1.7 0 96 39 0 0 1.7 0.3

Natural resources, construction, and maintenance 2.0 0 0 39 0 0 2.0 0.5

Production, transportation, and material moving ..... 3.5 0 39 0 252 20 3.5 0.4

Full time ................................................................... 0.9 0 0 0 0 20 0.8 0.2

Part time .................................................................. 2.7 0 131 34 0 94 2.5 0.7

Union ....................................................................... 1.0 0 35 0 0 0 1.0 0.3

Nonunion ................................................................. 1.2 0 0 0 257 0 1.1 0.2

Average wage within the following categories:2

Lowest 25 percent ............................................... 1.8 0 0 0 242 0 1.7 0.5

Lowest 10 percent ........................................... 2.5 0 0 0 264 170 2.4 0.9

Second 25 percent ............................................... 1.3 0 0 0 0 0 1.2 0.3

Third 25 percent ................................................... 1.3 0 0 0 0 392 1.2 0.4

Highest 25 percent ............................................... 0.9 0 0 0 0 456 0.9 0.3

Highest 10 percent ........................................... 1.2 0 217 29 0 0 1.2 0.4

Establishment characteristic

Service-providing industries ..................................... 0.9 0 0 0 0 0 0.8 0.2

Education and health services ............................. 1.2 0 0 0 130 0 1.2 0.4

Educational services ........................................ 1.2 0 0 0 147 0 1.2 0.4

Elementary and secondary schools ............. 1.3 0 0 0 327 0 1.3 0.6

Junior colleges, colleges, and universities ... 2.1 0 275 200 39 521 2.1 0.2

Health care and social assistance ................... 2.3 0 0 0 290 572 2.3 0.2

Hospitals ...................................................... 1.7 0 0 0 187 580 1.7 0.3

Public administration ............................................ 1.3 0 141 33 0 235 1.3 0.4

1 to 99 workers ........................................................ 2.9 0 0 0 69 0 2.8 0.9

1 to 49 workers .................................................... 5.0 0 0 0 282 0 – –

50 to 99 workers .................................................. 2.2 0 0 39 0 0 1.8 1.3

100 workers or more ................................................ 0.9 0 0 0 0 132 0.9 0.2

100 to 499 workers .............................................. 1.7 0 0 0 313 0 1.7 0.6

500 workers or more ............................................ 1.0 0 206 0 0 382 1.0 0.3

State government .................................................... 1.5 0 287 44 0 0 1.5 –

Local government .................................................... 0.9 0 0 0 182 0 0.8 0.3

See footnotes at end of table.
Table 50. Standard errors for dental care benefits: Amount of annual plan maximum,1

 state and local government workers,

National Compensation Survey, 2011—Continued

Characteristics With annual

maximum

Amount of annual plan maximum

With no

annual

maximum

Not

10th determinable

percentile

25th

percentile

50th

percentile

(median)

75th

percentile

90th

percentile

Geographic area

New England ........................................................... 4.9 $0 $0 $235 $0 $0 4.7 0.7

Middle Atlantic ......................................................... 1.8 0 118 42 510 0 1.8 0.1

East North Central ................................................... 2.1 0 118 0 0 393 1.9 0.6

West North Central .................................................. 2.3 – 0 289 147 204 – –

South Atlantic ........................................................... 2.3 0 0 249 434 0 2.3 0.3

East South Central ................................................... 5.8 0 0 196 0 438 – –

West South Central .................................................. 5.2 0 323 49 0 0 3.9 3.1

Mountain .................................................................. 1.3 246 0 0 0 0 1.3 0.2

Pacific ...................................................................... 1.4 0 0 0 0 113 1.5 0.2

1 Includes all covered dental procedures except orthodontia. Coverage for dental procedures

may be subject to scheduled allowance, deductible, or coinsurance provisions, in addition to

annual plan maximum. If separate annual maximums applied to different dental procedures, the

sum of the maximum was tabulated. 2 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, 2010." 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/glossary20102011.htm.
Table 51. Vision care benefits: Coverage for selected services, state

and local government workers, National Compensation Survey, 2011

(All workers participating in vision care plans = 100 percent)

Characteristics Eye exams Glasses Contact

lenses1

All workers ............................................................... 100 100 92

Worker characteristic

Management, professional, and related .................. 100 100 93

Professional and related ...................................... 100 100 93

Teachers .......................................................... 100 100 95

Primary, secondary, and special education

school teachers .......................................... 100 100 96

Service ..................................................................... 100 100 92

Protective service ................................................ 100 100 93

Sales and office ....................................................... 100 100 92

Office and administrative support ........................ 100 100 92

Natural resources, construction, and maintenance 100 100 95

Production, transportation, and material moving ..... 100 100 85

Full time ................................................................... 100 100 92

Part time .................................................................. 100 100 96

Union ....................................................................... 100 100 92

Nonunion ................................................................. 100 100 94

Average wage within the following categories:2

Lowest 25 percent ............................................... 100 100 96

Lowest 10 percent ........................................... 100 100 96

Second 25 percent ............................................... 100 100 91

Third 25 percent ................................................... 100 100 90

Highest 25 percent ............................................... 100 100 93

Highest 10 percent ........................................... 100 100 93

Establishment characteristic

Service-providing industries ..................................... 100 100 92

Education and health services ............................. 100 100 94

Educational services ........................................ 100 100 94

Elementary and secondary schools ............. 100 100 95

Junior colleges, colleges, and universities ... 100 100 92

Health care and social assistance ................... 100 100 89

Hospitals ...................................................... 100 100 93

Public administration ............................................ 100 100 91

1 to 99 workers ........................................................ 100 100 94

1 to 49 workers .................................................... 100 100 98

50 to 99 workers .................................................. 100 100 90

100 workers or more ................................................ 100 100 92

100 to 499 workers .............................................. 100 100 95

500 workers or more ............................................ 100 100 91

State government .................................................... 100 100 86

Local government .................................................... 100 100 94

See footnotes at end of table.
Table 51. Vision care benefits: Coverage for selected services, state

and local government workers, National Compensation Survey,

2011—Continued

(All workers participating in vision care plans = 100 percent)

Characteristics Eye exams Glasses Contact

lenses1

Geographic area

New England ........................................................... 100 100 93

Middle Atlantic ......................................................... 100 100 79

East North Central ................................................... 100 100 99

South Atlantic ........................................................... 100 100 85

West South Central .................................................. 100 100 91

Mountain .................................................................. 100 100 97

Pacific ...................................................................... 100 100 97

1 Includes plans that provide coverage for

elective purchase of contact lenses; medically

necessary contact lenses (for cataract surgery, for

example) normally are provided under the surgical

portion of a medical plan and are not described in

this table. 2 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,

2010." See Technical Note for more details.

NOTE: 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.
Table 51. Standard errors for vision care benefits: Coverage for

selected services, state and local government workers, National

Compensation Survey, 2011

Characteristics Eye exams Glasses Contact

lenses1

All workers ............................................................... 2 ( ) 0.1 0.8

Worker characteristic

Management, professional, and related .................. 2 ( ) 0.1 0.9

Professional and related ...................................... 2 ( ) 0.1 1.0

Teachers .......................................................... 2 ( ) 0.1 1.0

Primary, secondary, and special education

school teachers .......................................... 2 ( ) 0.2 1.1

Service ..................................................................... 2 ( ) 0.1 1.6

Protective service ................................................ 2 ( ) 2 ( ) 1.8

Sales and office ....................................................... 2 ( ) 2 ( ) 1.0

Office and administrative support ........................ 2 ( ) 2 ( ) 1.0

Natural resources, construction, and maintenance 2 ( ) 2 ( ) 2.1

Production, transportation, and material moving ..... 2 ( ) 0.2 3.1

Full time ................................................................... 2 ( ) 2 ( ) 0.8

Part time .................................................................. 2 ( ) 0.1 1.9

Union ....................................................................... 2 ( ) 2 ( ) 0.9

Nonunion ................................................................. 2 ( ) 0.2 1.2

Average wage within the following categories:3

Lowest 25 percent ............................................... 2 ( ) 2 ( ) 1.3

Lowest 10 percent ........................................... 2 ( ) 0.2 1.9

Second 25 percent ............................................... 2 ( ) 0.1 1.6

Third 25 percent ................................................... 2 ( ) 2 ( ) 1.1

Highest 25 percent ............................................... 2 ( ) 0.1 0.7

Highest 10 percent ........................................... 2 ( ) 2 ( ) 0.9

Establishment characteristic

Service-providing industries ..................................... 2 ( ) 0.1 0.8

Education and health services ............................. 2 ( ) 0.1 1.0

Educational services ........................................ 2 ( ) 0.1 0.9

Elementary and secondary schools ............. 2 ( ) 0.1 1.0

Junior colleges, colleges, and universities ... 2 ( ) 2 ( ) 2.1

Health care and social assistance ................... 2 ( ) 2 ( ) 3.1

Hospitals ...................................................... 2 ( ) 2 ( ) 1.5

Public administration ............................................ 2 ( ) 2 ( ) 1.2

1 to 99 workers ........................................................ 2 ( ) 2 ( ) 2.5

1 to 49 workers .................................................... 2 ( ) 2 ( ) 1.2

50 to 99 workers .................................................. 2 ( ) 2 ( ) 4.9

100 workers or more ................................................ 2 ( ) 0.1 0.7

100 to 499 workers .............................................. 2 ( ) 2 ( ) 1.8

500 workers or more ............................................ 2 ( ) 0.1 0.8

State government .................................................... 2 ( ) 2 ( ) 2.6

Local government .................................................... 2 ( ) 0.1 0.7

See footnotes at end of table.
Table 51. Standard errors for vision care benefits: Coverage for

selected services, state and local government workers, National

Compensation Survey, 2011—Continued

Characteristics Eye exams Glasses Contact

lenses1

Geographic area

New England ........................................................... 2 ( ) 2 ( ) 5.8

Middle Atlantic ......................................................... 2 ( ) 2 ( ) 2.6

East North Central ................................................... 2 ( ) 0.1 1.0

South Atlantic ........................................................... 2 ( ) 0.4 5.1

West South Central .................................................. 2 ( ) 0.1 4.3

Mountain .................................................................. 2 ( ) 2 ( ) 2.4

Pacific ...................................................................... 2 ( ) 2 ( ) 0.5

1 Includes plans that provide coverage for

elective purchase of contact lenses; medically

necessary contact lenses (for cataract surgery, for

example) normally are provided under the surgical

portion of a medical plan and are not described in

this table. 2 Less than 0.05. 3 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,

2010." See Technical Note for more details.

NOTE: 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.
Table 52. Vision care benefits: Extent of coverage for selected services, state and local government workers, National

Compensation Survey, 2011

(All workers participating in vision care plans = 100 percent)

Characteristics

Eye exams Glasses

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 17 83 – – – 96 – –

Worker characteristic

Management, professional, and related .................. 16 84 – – – 95 – –

Professional and related ...................................... 16 84 – – – 95 – –

Teachers .......................................................... 18 82 – – – 94 – –

Primary, secondary, and special education

school teachers .......................................... 21 79 – – – 96 – –

Service ..................................................................... 19 81 – – 2 98 – –

Protective service ................................................ 18 82 – – 2 98 – –

Sales and office ....................................................... 17 83 – – – 96 – –

Office and administrative support ........................ 17 83 – – – 96 – –

Natural resources, construction, and maintenance 17 83 – – – 98 – –

Production, transportation, and material moving ..... 25 75 – – – 97 – –

Full time ................................................................... 17 83 – – – 96 – –

Part time .................................................................. 19 81 – – – 98 – –

Union ....................................................................... 19 81 – – – 98 – –

Nonunion ................................................................. 12 88 – – – 93 – –

Average wage within the following categories:4

Lowest 25 percent ............................................... 18 82 – – – 95 – –

Lowest 10 percent ........................................... – 76 – – – 95 – –

Second 25 percent ............................................... 16 84 – – – 97 – –

Third 25 percent ................................................... 17 83 – – – 95 – –

Highest 25 percent ............................................... 17 83 – – – 97 – –

Highest 10 percent ........................................... 13 87 – – – 97 – –

Establishment characteristic

Service-providing industries ..................................... 17 83 – – – 96 – –

Education and health services ............................. 16 84 – – – 94 – –

Educational services ........................................ 18 82 – – – 93 – –

Elementary and secondary schools ............. 22 78 – – – 95 – –

Junior colleges, colleges, and universities ... 5 95 – – – 86 – –

Health care and social assistance ................... – 96 – – – 100 – –

Hospitals ...................................................... – 92 – – – 100 – –

Public administration ............................................ 17 83 – – 1 99 – –

1 to 99 workers ........................................................ 15 85 – – – 100 – –

1 to 49 workers .................................................... 18 82 – – – 100 – –

50 to 99 workers .................................................. 12 88 – – – 100 – –

100 workers or more ................................................ 17 83 – – – 96 – –

100 to 499 workers .............................................. 19 81 – – – 98 – –

500 workers or more ............................................ 17 83 – – – 95 – –

State government .................................................... 9 91 – – – 94 – –

Local government .................................................... 20 80 – – 3 97 – –

See footnotes at end of table.
Table 52. Vision care benefits: Extent of coverage for selected services, state

and local government workers, National Compensation Survey,

2011—Continued

(All workers participating in vision care plans = 100 percent)

Characteristics

Contact lenses2

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 1 91 7 1

Worker characteristic

Management, professional, and related .................. 1 91 7 3 ( )

Professional and related ...................................... 1 92 7 3 ( )

Teachers .......................................................... – 94 4 –

Primary, secondary, and special education

school teachers .......................................... – 94 4 –

Service ..................................................................... – 90 8 –

Protective service ................................................ – 92 6 –

Sales and office ....................................................... – 91 6 –

Office and administrative support ........................ – 90 7 –

Natural resources, construction, and maintenance – 95 – 1

Production, transportation, and material moving ..... – 84 14 –

Full time ................................................................... 1 91 7 1

Part time .................................................................. – 94 – –

Union ....................................................................... 1 90 8 1

Nonunion ................................................................. 1 92 6 3 ( )

Average wage within the following categories:4

Lowest 25 percent ............................................... – 96 – 3 ( )

Lowest 10 percent ........................................... – 96 – –

Second 25 percent ............................................... 2 89 8 1

Third 25 percent ................................................... – 89 9 –

Highest 25 percent ............................................... 2 91 7 3 ( )

Highest 10 percent ........................................... – 91 7 –

Establishment characteristic

Service-providing industries ..................................... 1 91 7 1

Education and health services ............................. 1 92 6 3 ( )

Educational services ........................................ 2 93 5 3 ( )

Elementary and secondary schools ............. 2 93 5 3 ( )

Junior colleges, colleges, and universities ... – 92 8 –

Health care and social assistance ................... – 89 11 –

Hospitals ...................................................... – 93 – –

Public administration ............................................ – 89 8 –

1 to 99 workers ........................................................ – 94 – 1

1 to 49 workers .................................................... – 98 – –

50 to 99 workers .................................................. – 89 – 2

100 workers or more ................................................ 1 91 7 3 ( )

100 to 499 workers .............................................. – 93 – 1

500 workers or more ............................................ 2 90 8 3 ( )

State government .................................................... – 86 14 –

Local government .................................................... 2 93 5 1

See footnotes at end of table.
Table 52. Vision care benefits: Extent of coverage for selected services, state and local government workers, National

Compensation Survey, 2011—Continued

(All workers participating in vision care plans = 100 percent)

Characteristics

Eye exams Glasses

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... 35 65 – – – 100 – –

Middle Atlantic ......................................................... 21 79 – – – 89 – –

East North Central ................................................... 22 78 – – 3 97 – –

South Atlantic ........................................................... 23 77 – – – 90 – –

West South Central .................................................. – 97 – – – 100 – –

Mountain .................................................................. – 95 – – – 100 – –

Pacific ...................................................................... 15 85 – – – 99 – –

See footnotes at end of table.
Table 52. Vision care benefits: Extent of coverage for selected services, state

and local government workers, National Compensation Survey,

2011—Continued

(All workers participating in vision care plans = 100 percent)

Characteristics

Contact lenses2

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... – 83 – 1

Middle Atlantic ......................................................... – 77 21 –

East North Central ................................................... – 97 – 1

South Atlantic ........................................................... – 82 – –

West South Central .................................................. – 91 – 3 ( )

Mountain .................................................................. – 97 – –

Pacific ...................................................................... – 96 2 –

1 Includes plans subject to copayment, cash allowance,

and retail discount. 2 Includes plans that provide coverage for elective

purchase of contact lenses; medically necessary contact

lenses (for cataract surgery, for example) normally are

provided under the surgical portion of a medical plan and

are not described in this table. 3 Less than 0.5. 4 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, 2010." 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/glossary20102011.htm.
Table 52. Standard errors for vision care benefits: Extent of coverage for selected services, state and local

government workers, National Compensation Survey, 2011

Characteristics

Eye exams Glasses

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 1.4 1.4 – – – 1.4 – –

Worker characteristic

Management, professional, and related .................. 1.7 1.7 – – – 2.1 – –

Professional and related ...................................... 1.9 1.9 – – – 2.2 – –

Teachers .......................................................... 2.4 2.4 – – – 2.5 – –

Primary, secondary, and special education

school teachers .......................................... 3.0 3.0 – – – 1.8 – –

Service ..................................................................... 2.3 2.3 – – 0.3 0.3 – –

Protective service ................................................ 2.8 2.8 – – 0.4 0.4 – –

Sales and office ....................................................... 2.2 2.2 – – – 1.9 – –

Office and administrative support ........................ 2.2 2.2 – – – 2.0 – –

Natural resources, construction, and maintenance 3.0 3.0 – – – 1.1 – –

Production, transportation, and material moving ..... 4.1 4.1 – – – 1.1 – –

Full time ................................................................... 1.4 1.4 – – – 1.5 – –

Part time .................................................................. 4.1 4.1 – – – 1.4 – –

Union ....................................................................... 1.9 1.9 – – – 0.9 – –

Nonunion ................................................................. 1.9 1.9 – – – 3.9 – –

Average wage within the following categories:3

Lowest 25 percent ............................................... 2.9 2.9 – – – 2.4 – –

Lowest 10 percent ........................................... – 8.2 – – – 4.3 – –

Second 25 percent ............................................... 2.2 2.2 – – – 0.8 – –

Third 25 percent ................................................... 2.2 2.2 – – – 2.5 – –

Highest 25 percent ............................................... 1.6 1.6 – – – 1.0 – –

Highest 10 percent ........................................... 1.1 1.1 – – – 1.2 – –

Establishment characteristic

Service-providing industries ..................................... 1.4 1.4 – – – 1.5 – –

Education and health services ............................. 2.0 2.0 – – – 2.7 – –

Educational services ........................................ 2.3 2.3 – – – 3.1 – –

Elementary and secondary schools ............. 2.9 2.9 – – – 1.9 – –

Junior colleges, colleges, and universities ... 1.3 1.3 – – – 10.9 – –

Health care and social assistance ................... – 1.6 – – – 4 () – –

Hospitals ...................................................... – 3.0 – – – 4 () – –

Public administration ............................................ 2.1 2.1 – – 0.3 0.3 – –

1 to 99 workers ........................................................ 2.6 2.6 – – – 4 () – –

1 to 49 workers .................................................... 4.2 4.2 – – – 0.1 – –

50 to 99 workers .................................................. 2.8 2.8 – – – 4 () – –

100 workers or more ................................................ 1.4 1.4 – – – 1.6 – –

100 to 499 workers .............................................. 3.9 3.9 – – – 0.9 – –

500 workers or more ............................................ 1.6 1.6 – – – 2.1 – –

State government .................................................... 1.7 1.7 – – – 4.9 – –

Local government .................................................... 1.6 1.6 – – 0.8 0.8 – –

See footnotes at end of table.
Table 52. Standard errors for vision care benefits: Extent of coverage for

selected services, state and local government workers, National

Compensation Survey, 2011—Continued

Characteristics

Contact lenses2

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

All workers ............................................................... 0.3 0.9 0.8 0.2

Worker characteristic

Management, professional, and related .................. 0.3 0.9 0.9 0.1

Professional and related ...................................... 0.3 1.0 1.0 0.1

Teachers .......................................................... – 1.0 1.0 –

Primary, secondary, and special education

school teachers .......................................... – 1.2 1.2 –

Service ..................................................................... – 1.8 1.6 –

Protective service ................................................ – 2.2 1.7 –

Sales and office ....................................................... – 1.3 0.7 –

Office and administrative support ........................ – 1.3 0.7 –

Natural resources, construction, and maintenance – 2.1 – 0.4

Production, transportation, and material moving ..... – 3.2 3.1 –

Full time ................................................................... 0.3 0.9 0.8 0.2

Part time .................................................................. – 2.0 – –

Union ....................................................................... 0.4 1.0 0.8 0.3

Nonunion ................................................................. 0.2 1.3 1.2 0.2

Average wage within the following categories:3

Lowest 25 percent ............................................... – 1.3 – 0.2

Lowest 10 percent ........................................... – 1.9 – –

Second 25 percent ............................................... 0.5 1.7 1.5 0.5

Third 25 percent ................................................... – 1.2 1.0 –

Highest 25 percent ............................................... 0.4 0.8 0.7 0.1

Highest 10 percent ........................................... – 1.0 0.9 –

Establishment characteristic

Service-providing industries ..................................... 0.3 0.9 0.8 0.2

Education and health services ............................. 0.4 1.1 1.0 4 ( )

Educational services ........................................ 0.5 1.0 0.9 4 ( )

Elementary and secondary schools ............. 0.6 1.1 1.0 0.1

Junior colleges, colleges, and universities ... – 2.1 2.1 –

Health care and social assistance ................... – 3.1 3.1 –

Hospitals ...................................................... – 1.5 – –

Public administration ............................................ – 1.3 1.0 –

1 to 99 workers ........................................................ – 2.5 – 0.9

1 to 49 workers .................................................... – 1.2 – –

50 to 99 workers .................................................. – 4.9 – 2.0

100 workers or more ................................................ 0.3 0.8 0.7 0.2

100 to 499 workers .............................................. – 1.7 – 0.7

500 workers or more ............................................ 0.3 0.9 0.8 0.2

State government .................................................... – 2.6 2.6 –

Local government .................................................... 0.4 0.7 0.6 0.3

See footnotes at end of table.
Table 52. Standard errors for vision care benefits: Extent of coverage for selected services, state and local

government workers, National Compensation Survey, 2011—Continued

Characteristics

Eye exams Glasses

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... 8.7 8.7 – – – 4 () – –

Middle Atlantic ......................................................... 3.0 3.0 – – – 6.6 – –

East North Central ................................................... 4.2 4.2 – – 0.8 0.8 – –

South Atlantic ........................................................... 5.1 5.1 – – – 4.2 – –

West South Central .................................................. – 2.0 – – – 0.1 – –

Mountain .................................................................. – 3.0 – – – 4 () – –

Pacific ...................................................................... 2.1 2.1 – – – 0.6 – –

See footnotes at end of table.
Table 52. Standard errors for vision care benefits: Extent of coverage for

selected services, state and local government workers, National

Compensation Survey, 2011—Continued

Characteristics

Contact lenses2

Full

coverage

Coverage

with limits1

No

coverage

Not

determinable

Geographic area

New England ........................................................... – 8.9 – 1.8

Middle Atlantic ......................................................... – 2.8 2.5 –

East North Central ................................................... – 1.8 – 1.0

South Atlantic ........................................................... – 5.0 – –

West South Central .................................................. – 4.3 – 0.2

Mountain .................................................................. – 2.4 – –

Pacific ...................................................................... – 0.7 0.3 –

1 Includes plans subject to copayment, cash allowance,

and retail discount. 2 Includes plans that provide coverage for elective

purchase of contact lenses; medically necessary contact

lenses (for cataract surgery, for example) normally are

provided under the surgical portion of a medical plan and

are not described in this table. 3 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, 2010." See Technical Note for more

details. 4 Less than 0.05.

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/glossary20102011.htm.
Table 53. Vision care benefits: Median copayments for

selected services, state and local government workers,

National Compensation Survey, 2011

(Includes all workers participating in vision care plans)

Characteristics Eye exams Glasses

All workers ............................................................... $10 $20

Worker characteristic

Management, professional, and related .................. 10 20

Professional and related ...................................... 10 20

Teachers .......................................................... 10 20

Primary, secondary, and special education

school teachers .......................................... 10 20

Service ..................................................................... 10 20

Protective service ................................................ 10 –

Sales and office ....................................................... 10 20

Office and administrative support ........................ 10 20

Natural resources, construction, and maintenance 10 20

Production, transportation, and material moving ..... 10 15

Full time ................................................................... 10 20

Part time .................................................................. 10 20

Union ....................................................................... 10 18

Nonunion ................................................................. 10 20

Average wage within the following categories:1

Lowest 25 percent ............................................... 10 20

Lowest 10 percent ........................................... 15 20

Second 25 percent ............................................... 10 20

Third 25 percent ................................................... 10 20

Highest 25 percent ............................................... 10 20

Highest 10 percent ........................................... 10 25

Establishment characteristic

Service-providing industries ..................................... 10 20

Education and health services ............................. 10 20

Educational services ........................................ 10 25

Elementary and secondary schools ............. 10 20

Junior colleges, colleges, and universities ... 10 25

Health care and social assistance ................... 10 20

Hospitals ...................................................... 10 20

Public administration ............................................ 10 –

1 to 99 workers ........................................................ 10 20

1 to 49 workers .................................................... 10 20

50 to 99 workers .................................................. 10 20

100 workers or more ................................................ 10 20

100 to 499 workers .............................................. 10 20

500 workers or more ............................................ 10 20

State government .................................................... 10 25

Local government .................................................... 10 18

See footnotes at end of table.
Table 53. Vision care benefits: Median copayments for

selected services, state and local government workers,

National Compensation Survey, 2011—Continued

(Includes all workers participating in vision care plans)

Characteristics Eye exams Glasses

Geographic area

New England ........................................................... $10 $25

Middle Atlantic ......................................................... – 9

East North Central ................................................... 10 20

South Atlantic ........................................................... 15 20

West South Central .................................................. 10 25

Mountain .................................................................. 10 20

Pacific ...................................................................... 10 25

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, 2010." 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/glossary20102011.htm.
Table 53. Standard errors for vision care benefits: Median

copayments for selected services, state and local government

workers, National Compensation Survey, 2011

Characteristics Eye exams Glasses

All workers ............................................................... $0 $0

Worker characteristic

Management, professional, and related .................. 0 2

Professional and related ...................................... 0 0

Teachers .......................................................... 0 5

Primary, secondary, and special education

school teachers .......................................... 0 6

Service ..................................................................... 0 5

Protective service ................................................ 0 –

Sales and office ....................................................... 0 0

Office and administrative support ........................ 0 0

Natural resources, construction, and maintenance 0 0

Production, transportation, and material moving ..... 0 4

Full time ................................................................... 0 0

Part time .................................................................. 0 2

Union ....................................................................... 0 4

Nonunion ................................................................. 0 2

Average wage within the following categories:1

Lowest 25 percent ............................................... 0 3

Lowest 10 percent ........................................... 3 3

Second 25 percent ............................................... 0 0

Third 25 percent ................................................... 0 0

Highest 25 percent ............................................... 0 0

Highest 10 percent ........................................... 0 7

Establishment characteristic

Service-providing industries ..................................... 0 0

Education and health services ............................. 0 6

Educational services ........................................ 0 2

Elementary and secondary schools ............. 0 6

Junior colleges, colleges, and universities ... 0 0

Health care and social assistance ................... 1 0

Hospitals ...................................................... 2 0

Public administration ............................................ 0 –

1 to 99 workers ........................................................ 0 0

1 to 49 workers .................................................... 0 2

50 to 99 workers .................................................. 0 0

100 workers or more ................................................ 0 0

100 to 499 workers .............................................. 0 0

500 workers or more ............................................ 0 0

State government .................................................... 0 0

Local government .................................................... 0 4

See footnotes at end of table.
Table 53. Standard errors for vision care benefits: Median

copayments for selected services, state and local government

workers, National Compensation Survey, 2011—Continued

Characteristics Eye exams Glasses

Geographic area

New England ........................................................... $0 $0

Middle Atlantic ......................................................... – 0

East North Central ................................................... 0 0

South Atlantic ........................................................... 0 0

West South Central .................................................. 1 0

Mountain .................................................................. 0 6

Pacific ...................................................................... 0 0

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, 2010." 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/glossary20102011.htm.
Table 54. Vision care benefits: Coverage for lasik surgery, state and local government

workers, National Compensation Survey, 2011

(All workers participating in vision care plans = 100 percent)

Characteristics

Lasik surgery1

Full coverage Coverage with

limits2 No coverage Notdeterminable

All workers ............................................................... – 11 88 1

Worker characteristic

Management, professional, and related .................. – 12 87 1

Professional and related ...................................... – 11 88 1

Teachers .......................................................... – 10 89 1

Primary, secondary, and special education

school teachers .......................................... – 9 90 1

Service ..................................................................... – 9 90 1

Protective service ................................................ – 9 90 2

Sales and office ....................................................... – 12 87 1

Office and administrative support ........................ – 12 87 1

Natural resources, construction, and maintenance – 13 85 2

Production, transportation, and material moving ..... – – 91 4

Full time ................................................................... – 11 88 1

Part time .................................................................. – 13 86 1

Union ....................................................................... – 7 92 1

Nonunion ................................................................. – 20 79 1

Average wage within the following categories:3

Lowest 25 percent ............................................... – 15 83 2

Lowest 10 percent ........................................... – – 83 1

Second 25 percent ............................................... – 12 86 1

Third 25 percent ................................................... – 11 88 1

Highest 25 percent ............................................... – 9 90 1

Highest 10 percent ........................................... – 10 89 1

Establishment characteristic

Service-providing industries ..................................... – 11 88 1

Education and health services ............................. – 13 87 1

Educational services ........................................ – 13 86 1

Elementary and secondary schools ............. – 10 89 1

Junior colleges, colleges, and universities ... – 25 75 –

Health care and social assistance ................... – – 91 –

Hospitals ...................................................... – – 93 –

Public administration ............................................ – 9 90 1

1 to 99 workers ........................................................ – – 85 4

1 to 49 workers .................................................... – – 80 3

50 to 99 workers .................................................. – – 90 6

100 workers or more ................................................ – 11 88 1

100 to 499 workers .............................................. – 5 94 1

500 workers or more ............................................ – 13 86 1

State government .................................................... – 15 85 4 ( )

Local government .................................................... – 10 89 1

See footnotes at end of table.
Table 54. Vision care benefits: Coverage for lasik surgery, state and local government

workers, National Compensation Survey, 2011—Continued

(All workers participating in vision care plans = 100 percent)

Characteristics

Lasik surgery1

Full coverage Coverage with

limits2 No coverage Notdeterminable

Geographic area

New England ........................................................... – – 66 1

Middle Atlantic ......................................................... – – 94 4 ( )

East North Central ................................................... – – 92 4

South Atlantic ........................................................... – – 85 4 ( )

West South Central .................................................. – 48 44 8

Mountain .................................................................. – – 81 –

Pacific ...................................................................... – 9 91 4 ( )

1 Lasik surgery is an elective surgical procedure that is capable

of correcting a wide range of nearsightedness, farsightedness, and

astigmatism. 2 Includes plans subject to copayment, cash allowance, and

retail discount. 3 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, 2010." See Technical

Note for more details. 4 Less than 0.5.

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/glossary20102011.htm.
Table 54. Standard errors for vision care benefits: Coverage for lasik surgery, state and

local government workers, National Compensation Survey, 2011

Characteristics

Lasik surgery1

Full coverage Coverage with

limits2 No coverage Notdeterminable

All workers ............................................................... – 1.2 1.3 0.4

Worker characteristic

Management, professional, and related .................. – 1.5 1.5 0.4

Professional and related ...................................... – 1.4 1.5 0.4

Teachers .......................................................... – 2.0 2.0 0.6

Primary, secondary, and special education

school teachers .......................................... – 2.3 2.4 0.6

Service ..................................................................... – 1.6 1.7 0.6

Protective service ................................................ – 2.3 2.5 1.0

Sales and office ....................................................... – 2.4 2.5 0.4

Office and administrative support ........................ – 2.4 2.5 0.4

Natural resources, construction, and maintenance – 2.7 3.1 1.2

Production, transportation, and material moving ..... – – 2.7 2.3

Full time ................................................................... – 1.2 1.3 0.4

Part time .................................................................. – 2.1 2.4 0.8

Union ....................................................................... – 1.1 1.2 0.4

Nonunion ................................................................. – 2.5 2.6 0.6

Average wage within the following categories:3

Lowest 25 percent ............................................... – 3.3 3.7 0.8

Lowest 10 percent ........................................... – – 7.0 1.0

Second 25 percent ............................................... – 1.9 1.9 0.6

Third 25 percent ................................................... – 1.9 2.0 0.4

Highest 25 percent ............................................... – 1.2 1.2 0.4

Highest 10 percent ........................................... – 1.8 1.9 0.5

Establishment characteristic

Service-providing industries ..................................... – 1.2 1.3 0.4

Education and health services ............................. – 1.7 1.7 0.4

Educational services ........................................ – 1.9 1.9 0.5

Elementary and secondary schools ............. – 2.3 2.3 0.6

Junior colleges, colleges, and universities ... – 4.3 4.3 –

Health care and social assistance ................... – – 3.2 –

Hospitals ...................................................... – – 1.7 –

Public administration ............................................ – 1.9 2.1 0.6

1 to 99 workers ........................................................ – – 4.6 2.0

1 to 49 workers .................................................... – – 7.2 1.7

50 to 99 workers .................................................. – – 4.8 4.0

100 workers or more ................................................ – 1.3 1.3 0.3

100 to 499 workers .............................................. – 1.5 1.2 0.6

500 workers or more ............................................ – 1.5 1.6 0.3

State government .................................................... – 2.1 2.1 0.2

Local government .................................................... – 1.5 1.6 0.5

See footnotes at end of table.
Table 54. Standard errors for vision care benefits: Coverage for lasik surgery, state and

local government workers, National Compensation Survey, 2011—Continued

Characteristics

Lasik surgery1

Full coverage Coverage with

limits2 No coverage Notdeterminable

Geographic area

New England ........................................................... – – 12.9 1.8

Middle Atlantic ......................................................... – – 1.8 0.3

East North Central ................................................... – – 2.5 1.7

South Atlantic ........................................................... – – 6.1 0.4

West South Central .................................................. – 8.0 9.3 5.6

Mountain .................................................................. – – 8.0 –

Pacific ...................................................................... – 0.8 0.8 0.1

1 Lasik surgery is an elective surgical procedure that is capable

of correcting a wide range of nearsightedness, farsightedness, and

astigmatism. 2 Includes plans subject to copayment, cash allowance, and

retail discount. 3 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, 2010." 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/glossary20102011.htm.
Technical note 

Data in this bulletin are from the National Compensation Survey (NCS), which is conducted by 

the U.S. Bureau of Labor Statistics (BLS). The bulletin contains 2011 data on detailed employerprovided health benefit plan provisions for state and local government workers in the United 

States. Excluded from the 2011 survey are federal government workers. Previous publications 

containing information on employee benefits for civilian, private industry, and state and local 

government workers are available on the BLS website: http://www.bls.gov/ncs/ebs. 

Calculation details 

For data presented by wage levels, average hourly earnings for occupations within an 

establishment were used to produce estimates for worker groups within six earnings groupings: 

the lowest 10 percent, the lowest 25 percent, the second 25 percent, the third 25 percent, the 

highest 25 percent, and the highest 10 percent. Individual workers can fall into an earnings 

category different from the average for the occupation into which they are classified. The 

earnings categories are based on the average wage for each occupation surveyed, which may 

include workers both above and below the threshold. The categories are based on wages 

published in "National Compensation Survey: Occupational Earnings in the United States, 2010, 

Bulletin 2753 (U.S. Department of Labor, Bureau of Labor Statistics, May 2011). Values 

corresponding to the percentiles used in the tables are: 

Characteristic 

Hourly wage percentile 

10 25 50 (median) 75 90 

State and local government 

workers $11.77 $15.52 $22.27 $33.01 $45.31 
Not determinable estimates 

Some tables in this bulletin contain columns with estimates classified as "not determinable." The 

reasons for this classification may vary. In detailed provisions of employer-provided health care 

plans, the "not determinable" classification is used whenever partial information on a particular 

plan feature is available from the Summary Plan Description (SPD). The SPD is used as a 

primary source of information on the provisions of a health benefit plan. For example, in one of 

the tables, workers are classified as participating in four types of fee-for-service plans. Those 

workers that were known to be participating in a fee-for-service plan—but the plan type was 

either not specified or was specified but did not fit into any of the four categories used in the 

table—were classified in the "not determinable" category. 

Another situation in which the "not determinable" classification may be used is when workers 

are participating in plans in which a provision is known to exist, but no information on the 

specific details of this provision is available from the SPD. For example, in one of the tables, all 

workers participate in fee-for-service plans. The majority of the workers that make up the base of 

this table participated in plans that specified a deductible, but a small percentage of workers 

participated in plans in which the deductible was mentioned but not described. These workers 

were classified in the "not determinable" category. 

Interpreting the tables 

The set of workers on which estimates in the tables are based is indicated by the statement 

directly under each table’s title. For example, the statement may say, “All workers participating 

in medical care plans = 100 percent,” or “All workers participating in fee-for-service plans = 100 

percent.” All estimates shown in the table are based on the set of workers specified in statements 

underneath the table title and on any subsets indicated by column headers. 

Most of the estimates in this bulletin are expressed in terms of the percentage of workers 

participating in a particular benefit plan or the percentage covered by a specific provision. Some 

estimates, however, provide values other than percentages of workers. For example, they might 
provide both the type and dollar amount of annual individual deductibles in fee-for-service plans. 

The base of this table is all workers participating in fee-for-service plans. The non-shaded 

estimates are percentage of workers by the type of deductible (e.g., fixed deductible, variable 

deductible, etc.). Shaded estimates are those that measure values other than the percentage of 

workers. Shading is only used when there is a mixture of percentages and dollar values. 

Survey sample 

The 2011 survey included a sample of approximately 2,000 establishments. 

Data for the East South Central census division did not meet publication criteria for all tables 

except the dental care benefits tables, but are included in all estimates except those by 

geographic area. 

Obtaining additional information 

Information on the survey scope, sample design, data collection, survey estimation, reliability of 

estimates, technical references, and survey definitions is available in Chapter 8 of the BLS 

Handbook of Methods, http://www.bls.gov/opub/hom/homch8.htm. Definitions of major plans, 

key provisions, and related benefit terms used by the National Compensation Survey are 

provided in the Glossary of Employee Benefit Terms, 

http://www.bls.gov/ncs/ebs/glossary20102011.htm.
Appendix table 1. Survey establishment response, state and

local government, National Compensation Survey, 2011

Establishments Number of

establishments

Total in sampling frame1 ........................................................ 215,811

 Total in sample .................................................................... 2,007

 Responding ........................................................................ 1,738

 Refused or unable to provide data ..................................... 247

 Out of business or not in survey scope .............................. 22

1 The list of establishments from which

the survey sample was selected (sampling

frame) was developed from State

unemployment insurance reports and is

based on the 2007 North American

Industry Classification System (NAICS).

For state and local governments, an

establishment is defined as all locations of

a government entity.
Appendix table 2. Number of workers1 represented, state

and local government, National Compensation Survey, 2011

Occupational group2 Estimated number

of workers

All workers ............................................................................. 18,748,300

Management, professional, and related ................................ 10,348,400

Professional and related .................................................... 8,785,200

Teachers ........................................................................ 4,866,200

Primary, secondary, and special education school

teachers ................................................................... 3,568,600

Service ................................................................................... 3,959,400

Protective service .............................................................. 1,798,600

Sales and office ..................................................................... 2,733,400

Office and administrative support ...................................... 2,590,800

Natural resources, construction, and maintenance ............... 952,000

Production, transportation, and material moving ................... 755,000

1 The number of workers represented

by the survey are rounded to the nearest

100. Estimates of the number of workers

provide a description of the size and

composition of the labor force included in

the survey. Estimates are not intended,

however, for comparison to other statistical

series to measure employment trends or

levels. 2 The 2000 Standard Occupational

Classification system is used to classify

workers.