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)
                                                                                                                        
                                                                                                                        
                                                    Fixed coinsurance            Variable coinsurance                   
                                                                                                                        
                                                                                                                  With  
            Characteristics                Total      With     Median     With   Median coinsurance percentage   other  
                                                     fixed   coinsura-  variable                               coinsura-
                                                   coinsura-    nce    coinsura-                                  nce   
                                                      nce    percenta-    nce    In-netwo-  Out-of-  Point-of-          
                                                                 ge                  rk     network   service           
                                                                                                                        
                                                                                                                        
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         –
                                                                                                                        
            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.