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0.5 percent 30 days accident insurance average is presented averages exclude workers Blue-collar and service cafeteria plan coinsurance collar and service collar Blue copayment coverage 100 Covered in full covered workers dash indicates davs defined benefit pension defined benefit plan defined contribution plans dental ees except teach ees Teach efits eligible Employee Benefits employee contribution equal totals ers Blue ers ees ers Number fee-for-service plans full-time employees governments Health maintenance organizations HMO plans HMO's hospital indicates no employees individual items inpatient length of service Less than 0.5 long-term disability insurance maximum mental health non-HMO plans Number in thousands number of days out-of-pocket expense payments percent of earnings Percent of full-time Percent Total plan participants plan provision ploy preferred provider organization reimbursement accounts rounding Savings and thrift separate limits service requirement sick leave sickness and accident Social Security Subject to separate sums of individual Table teachers Total with coverage