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["Exhibit 7.24"]
["Among Covered Workers with Copayments and/or Coinsurance for In-Network Physician Office and Emergency Room Visits, Average Copayments and Coinsurance, by Plan Type, 2012"]
[]
["In-Network Office Visits","HMO","PPO","POS","HDHP/SO","ALL PLANS"]
["Primary Care Office Visit"]
["Average Copay","$21*",{"v":23,"d":"$23"},"$25*",{"v":23,"d":"$23"},{"v":23,"d":"$23"}]
["Average Coinsurance ‡","NSD",{"v":0.18,"d":"18%"},"NSD",{"v":0.18,"d":"18%"},{"v":0.18,"d":"18%"}]
["Specialty Care Office Visit"]
["Average Copay","$31*",{"v":33,"d":"$33"},{"v":36,"d":"$36"},{"v":35,"d":"$35"},{"v":33,"d":"$33"}]
["Average Coinsurance‡","NSD",{"v":0.19,"d":"19%"},"NSD",{"v":0.19,"d":"19%"},{"v":0.19,"d":"19%"}]
["Emergency Room Visits"]
["Average Copay",{"v":107,"d":"$107"},{"v":121,"d":"$121"},{"v":119,"d":"$119"},{"v":123,"d":"$123"},{"v":118,"d":"$118"}]
["Average Coinsurance‡",{"v":0.17,"d":"17%"},{"v":0.17,"d":"17%"},"NSD",{"v":0.18,"d":"18%"},{"v":0.18,"d":"18%"}]
[]
["* Estimate is statistically different from All Plans estimates (p<.05). "]
[]
["NSD: Not Sufficient Data. "]
[]
["‡ In the 2012 survey, the structure of cost-sharing questions was revised to include coinsurance rates with a minimum or maximum dollar amount. For most plan types, the average coinsurance rate is not significantly different depending on whether it included a minimum, maximum or neither. See the Survey Design and Methods Section for more information."]
[]
["Note: The survey asks respondents if the plan has cost sharing for in-network office visits.  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. "]