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["Exhibit 7.22"]
["In Addition to Any General Annual Plan Deductible, Percentage of Covered Workers with the Following Types of Cost Sharing for Physician Office Visits and Emergency Room Visits, by Plan Type, 2012"]
[]
[null,"Copay Only","Coinsurance Only","No Cost Sharing","Other Type of Cost Sharing"]
["Primary Care"]
["HMO","96%*","1%*","2%*",{"v":0.01,"d":"1%"}]
["PPO","80*",14,"4*",2]
["POS","92*","3*",5,"<1*"]
["HDHP/SO","17*","53*","30*","<1*"]
["ALL PLANS",{"v":0.73,"d":"73%"},{"v":0.17,"d":"17%"},{"v":0.08,"d":"8%"},{"v":0.02,"d":"2%"}]
["Specialty Care"]
["HMO","93%*","3%*",{"v":0.03,"d":"3%"},{"v":0.01,"d":"1%"}]
["PPO","80*",16,"2*",2]
["POS","88*","4*",8,"<1*"]
["HDHP/SO","19*","53*","28*","<1*"]
["ALL PLANS",{"v":0.73,"d":"73%"},{"v":0.19,"d":"19%"},{"v":0.07,"d":"7%"},{"v":0.01,"d":"1%"}]
["Emergency Room Visits"]
["HMO","88%*","4%*",{"v":0.05,"d":"5%"},"3%*"]
["PPO",59,23,"3*",16]
["POS",69,"7*",16,8]
["HDHP/SO","20*","43*","28*",9]
["ALL PLANS",{"v":0.58,"d":"58%"},{"v":0.22,"d":"22%"},{"v":0.09,"d":"9%"},{"v":0.12,"d":"12%"}]
[]
["* Estimate is statistically different from All Plans estimate (p<.05). "]
[]
["Note: In 2012, the survey includes questions on cost sharing for in-network services only.  See the 2007 survey for information on out-of-network office visit cost sharing.  Starting in 2010, the survey asked about the prevalence and cost of physician office visits separately for primary care and specialty care.  Prior to the 2010 survey, if the respondent indicated the plan had a copayment for office visits, we assumed the plan had a copayment for both primary and specialty care visits.  The survey did not allow for a respondent to report that a plan had a copayment for primary care visits and coinsurance for visits with a specialist physician. The changes made in 2010 allow for variations in the type of cost sharing for primary care and specialty care.  "]
[]
["Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2012. "]