| Copay | Coinsurance | Both | Neither |
OFFICE VISITS | | | | |
Conventional | 47% | 44% | 2% | 7% |
HMO* | 96 | 1 | 1 | 2 |
PPO Preferred Provider | 78 | 15 | 4 | 3 |
POS Preferred Provider | 84 | 4 | 8 | 4 |
ALL PLANS | 83% | 10% | 4% | 3% |
* Distribution is significantly different from All Plans at p<.05.
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2004.