Table 22. Standard errors for hospital room and board benefits: Extent of coverage by type of plan, private industry workers, National Compensation Survey, 2008 All plans Fee-for-service plan Health maintenance organization Characteristic Full Coverage No Not Full Coverage No Not Full Coverage No Not coverage with coverage determin- coverage with coverage determin- coverage with coverage determin- limits(1) able limits(1) able limits(1) able All workers............................. 0.9 0.9 – – 0.7 0.7 – – 2.5 2.5 – – Worker characteristic Management, professional, and related... 1.3 1.4 – – 1.1 1.2 – – 4.1 4.1 – – Management, business, and financial... 1.6 1.6 – – 1.0 1.0 – – 5.4 5.4 – – Professional and related.............. 1.7 1.8 – – 1.5 1.6 – – 4.5 4.5 – – Service................................. 3.4 3.4 – – 3.3 3.3 – – – 9.3 – – Sales and office........................ 1.5 1.6 – – 0.7 0.8 – – 5.4 5.4 – – Sales and related..................... 2.1 2.1 – – 1.3 1.3 – – 8.1 8.1 – – Office and administrative support..... 1.9 1.9 – – 0.7 0.9 – – 6.5 6.5 – – Natural resources, construction, and maintenance............................. 2.0 2.1 – – 1.9 2.0 – – 4.7 4.7 – – Construction, extraction, farming, fishing, and forestry................. 1.8 1.8 – – – 2.9 – (2) – 6.7 – – Installation, maintenance, and repair 3.4 3.5 – – – 2.6 – 1.3 7.7 7.7 – – Production, transportation, and material moving.................................. 1.5 1.5 – – 1.0 1.0 – – 5.4 5.4 – – Production............................ 2.1 2.1 – – 1.2 1.2 – – 6.7 6.7 – – Transportation and material moving.... 1.5 1.5 – – – 1.5 – (2) – 3.8 – – Full time............................... 0.9 0.9 – – 0.7 0.7 – – 2.7 2.7 – – Part time............................... 3.3 3.4 – – 3.1 3.3 – – 8.6 8.6 – – Union................................... 2.8 2.8 – – – 2.9 – (2) 6.5 6.5 – – Nonunion................................ 1.0 1.0 – – 0.6 0.7 – – 3.1 3.1 – – Average wage within the following percentiles:(3) Less than 10.......................... – 1.6 – 0.9 – 1.8 – 1.0 – 3.2 – – 10 to under 25........................ 3.4 3.4 – – – 2.6 – (2) 9.6 9.6 – – 25 to under 50........................ 1.7 1.7 – – 0.9 0.9 – – 7.1 7.1 – – 50 to under 75........................ 1.4 1.4 – – 1.3 1.3 – – 2.9 2.9 – – 75 to under 90........................ 1.2 1.3 – – 1.3 1.3 – – 2.8 2.8 – – 90 or greater......................... 1.5 1.6 – – 1.4 1.5 – – 5.7 5.7 – – Establishment characteristic Goods-producing industries.............. 1.4 1.4 – – 0.9 0.9 – – 4.8 4.8 – – Construction.......................... 1.7 1.7 – – – 1.3 – (2) 5.8 5.8 – – Manufacturing......................... 1.9 1.9 – – 1.3 1.3 – – 6.2 6.2 – – Service-providing industries............ 1.1 1.1 – – 0.8 0.9 – – 3.1 3.1 – – Trade, transportation, and utilities.. 1.4 1.4 – – 1.1 1.1 – – 4.3 4.3 – – Wholesale trade..................... 3.1 3.1 – – 3.5 3.5 – – – 5.0 – – Retail trade........................ 1.9 2.0 – – 0.8 0.9 – – 8.6 8.6 – – Transportation and warehousing...... – 1.4 – – – 1.1 – – – 7.5 – – Utilities........................... – 6.0 – – – 3.1 – – 14.9 – – – Information........................... – 3.3 – – 0.6 0.6 – – 14.1 14.1 – – Financial activities.................. 1.3 1.3 – – 0.9 1.0 – – 4.1 4.1 – – Finance and insurance............... 1.6 1.6 – – 1.3 1.3 – – 5.2 5.2 – – Credit intermediation and related activities........................ 1.8 1.8 – – – 2.0 – – – 5.4 – – Insurance carriers and related activities........................ 3.6 3.6 – – – 2.3 – – – 11.6 – – Real estate and rental and leasing.. – 1.4 – – – 1.3 – – – 1.9 – – Professional and business services.... – 2.1 – 1.0 – 2.0 – 1.3 – 5.4 – – Professional and technical services – 3.3 – 1.9 – 3.3 – 2.3 – 7.5 – – Administrative and waste services... – 3.5 – (2) – 2.9 – (2) – 9.7 – – Education and health services......... 3.9 3.9 – – 3.4 3.4 – – 7.1 7.1 – – Educational services................ 6.4 6.4 – – 4.7 4.7 – – 10.4 10.4 – – Junior colleges, colleges, and universities...................... 4.9 4.9 – – 5.1 5.1 – – 5.5 5.5 – – Health care and social assistance... 4.2 4.2 – – 3.5 3.5 – – 9.0 9.0 – – Leisure and hospitality............... – 3.9 – – – 4.3 – – – 9.2 – – Accommodation and food services..... – 2.8 – – – 3.8 – – – 0.0 – – Other services........................ – 9.2 – – – 12.7 – – – 15.7 – – 1 to 99 workers......................... 1.6 1.6 – – 1.3 1.3 – – 4.8 4.8 – – 1 to 49 workers....................... 2.1 2.1 – – 1.4 1.4 – – 5.9 5.9 – – 50 to 99 workers...................... 2.3 2.3 – – – 2.2 – (2) 5.9 5.9 – – 100 workers or more..................... 0.9 0.9 – – 0.7 0.8 – – 3.0 3.0 – – 100 to 499 workers.................... 1.3 1.4 – – 1.1 1.3 – – 4.1 4.1 – – 500 workers or more................... 1.5 1.5 – – 1.0 1.0 – – 5.1 5.1 – – Geographic area New England............................. 4.6 4.6 – – – 4.0 – – 4.6 4.6 – – Middle Atlantic......................... 3.1 3.1 – – 3.0 2.9 – – 6.0 6.0 – – East North Central...................... 1.0 1.3 – – 0.9 1.3 – – 5.1 5.1 – – West North Central...................... – 1.7 – (2) – 1.5 – (2) – 10.9 – – South Atlantic.......................... 3.1 3.1 – – 1.3 1.4 – – – 11.8 – – East South Central...................... – 3.3 – – – 1.5 – – – – – – West South Central...................... – 2.8 – – – 2.5 – – – 14.5 – – Mountain................................ – 2.0 – (2) – 1.7 – (2) – 3.0 – – Pacific................................. 1.9 1.8 – – – 1.6 – (2) 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 percentile groupings are based on the average wage for each occupation surveyed, which may include workers both above and below the threshold. The percentile values are based on the estimates published in the "National Compensation Survey: Occupational Earnings in the United States, 2007." See Technical Note for more details. NOTE: Dashes indicate that no data were reported or that data do not meet publication criteria. For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20082009.htm.