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["Exhibit 7.20"]
["Distribution of Covered Workers with Separate Cost Sharing for an Outpatient Surgery Episode in Addition to Any General Annual Deductible, by Plan Type, 2012"]
[]
["Separate Cost Sharing for an Outpatient Surgery Episode","HMO","PPO","POS","HDHP/SO§","ALL PLANS"]
["Separate Annual Deductible for Outpatient Surgery",{"v":0.02,"d":"2%"},{"v":0.04,"d":"4%"},{"v":0.01,"d":"1%"},"40%*",{"v":0.03,"d":"3%"}]
["Copayment and/or Coinsurance"]
["Copayment ","48*","12*","40*","7*","19 "]
["Coinsurance ","25*","70*","36*","58 ","59 "]
["Both Copayment and Coinsurance‡","3 ","8 ","7 ","1*","6 "]
["None","25 ","15*","22 ","34*","20 "]
[]
["* Estimate is statistically different from All Plans estimate (p<.05). "]
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["‡ This includes enrollees who are required to pay the higher amount of either the copayment or coinsurance under the plan. "]
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["§ Information on separate deductibles for outpatient surgery was collected only for HDHP/HRAs because federal regulations for HSA-qualified HDHPs make it unlikely these plans would have a separate deductible for specific services.  "]
[]
["Note:  As in past years, we collected information on the cost-sharing provisions for outpatient surgery that are in addition to any general annual plan deductible.  However, beginning with the 2009 survey, in order to better capture the prevalence of combinations of cost sharing, the survey was changed to ask a series of yes or no questions.  Previously, the question asked respondents to select one response from a list of types of cost sharing, such as separate deductibles, copayments, coinsurance, and per diem payments (for hospitalization only).  Due to the change in question format, the distribution of workers with types of cost sharing does not equal 100% as workers may face a combination of types of cost sharing. Less than 1% of covered workers have an \"other\" type of cost sharing for an outpatient surgery."]
[]
["Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2012."]