Frequencies for first 10,000 rows of explanation variable in bencs2014 dataset : Benefit Explanation | Freq. Percent Cum. ----------------------------------------+----------------------------------- | 9,002 90.02 90.02 1 pair of lenses per year, 1 frame ev.. | 42 0.42 90.44 10 Visits per Calendar Year | 42 0.42 90.86 24 month waiting period, See policy f.. | 6 0.06 90.92 30 Days per Calendar Year | 42 0.42 91.34 30 visit per calendar year limit comb.. | 42 0.42 91.76 30 visit per calendar year limit comb.. | 42 0.42 92.18 30 visits per calendar year limit com.. | 84 0.84 93.02 Adult Deductible and Annual Out of Po.. | 6 0.06 93.08 Adult Deductible and Annual Out of Po.. | 6 0.06 93.14 Adult Deductible and Annual Out of Po.. | 6 0.06 93.20 Adult Deductible and Annual Out of Po.. | 6 0.06 93.26 Adult Deductible and Annual Out of Po.. | 6 0.06 93.32 Adult Deductible and Annual Out of Po.. | 12 0.12 93.44 Benefit is 1 per 5 years | 5 0.05 93.49 Combined annual benefit maximum of $1.. | 2 0.02 93.51 Combined annual benefit maximum of $1.. | 2 0.02 93.53 Combined annual benefit maximum of $1.. | 8 0.08 93.61 Combined annual benefit maximum of $1.. | 6 0.06 93.67 Combined maximum for Occupational, Ph.. | 6 0.06 93.73 Combined maximum for occupational, ph.. | 1 0.01 93.74 Combined maximum visits for Occupatio.. | 7 0.07 93.81 Copay applies for days 1 - 5 | 2 0.02 93.83 Cost sharing could vary based on the .. | 3 0.03 93.86 Cost sharing could vary based on the .. | 2 0.02 93.88 Coverage up to the diagnosis only, tr.. | 42 0.42 94.30 Covered Only in the case of: 1) Rape.. | 30 0.30 94.60 Covered Only in the case of: 1) Rape/.. | 12 0.12 94.72 Covered when in treatment for diabetes | 42 0.42 95.14 Covered when in treatment for diabetes. | 12 0.12 95.26 Dental examinations are covered 100% .. | 20 0.20 95.46 Dentally necessary orthodonic service.. | 2 0.02 95.48 Dentally necessary orthodontic servic.. | 1 0.01 95.49 Family Plan | 24 0.24 95.73 For adults age 19 and older who are h.. | 3 0.03 95.76 Includes eye exam and refraction for .. | 5 0.05 95.81 Limited to Bariatric Surgery Network | 2 0.02 95.83 Limited to Blue Distinction Center fo.. | 2 0.02 95.85 Limited to Blue Distinction Centers f.. | 1 0.01 95.86 Limited to Phase I and Phase III serv.. | 3 0.03 95.89 Medical Necessity , 24 month waiting .. | 3 0.03 95.92 Medical Necessity, 24 month waiting p.. | 3 0.03 95.95 Medically Necessary only; 24 month wait | 12 0.12 96.07 Medically necessary only; 24 month wait | 22 0.22 96.29 Medicially Necessary only; 24 month w.. | 14 0.14 96.43 Not Covered. Most Participating Prov.. | 4 0.04 96.47 Not Covered. Most Participating Provi.. | 2 0.02 96.49 Not covered. Most participating denti.. | 6 0.06 96.55 Only allowed as a result of congenita.. | 1 0.01 96.56 Optional Buy-Up. Family Plan, 24 mont.. | 3 0.03 96.59 Optional Buy-Up. Family Plan, 24 mont.. | 3 0.03 96.62 Optional. Family Plan - Active and Pa.. | 6 0.06 96.68 Orthodontic treatment is a covered se.. | 2 0.02 96.70 Other x-rays include panoramic and co.. | 1 0.01 96.71 Please see plan brochure for plan det.. | 4 0.04 96.75 Quantitative limit units apply, see E.. | 78 0.78 97.53 See Congenital Anomaly benefit. | 42 0.42 97.95 See policy for additional limitations | 18 0.18 98.13 The deductible for your plan is $50 p.. | 4 0.04 98.17 The deductible for your plan is $50 p.. | 4 0.04 98.21 The deductible for your plan is $50 p.. | 4 0.04 98.25 The deductible for your plan is $50 p.. | 4 0.04 98.29 The deductible for your plan is $50 p.. | 6 0.06 98.35 The deductible for your plan is $50 p.. | 6 0.06 98.41 The deductible for your plan is $50 p.. | 6 0.06 98.47 The deductible for your plan is $50 p.. | 6 0.06 98.53 The deductible for your plan is $75 p.. | 8 0.08 98.61 The deductible for your plan is $75 p.. | 8 0.08 98.69 The deductible for your plan is $75 p.. | 8 0.08 98.77 The deductible for your plan is $75 p.. | 8 0.08 98.85 The deductible for your plan is $75 p.. | 2 0.02 98.87 The deductible for your plan is $75 p.. | 6 0.06 98.93 The deductible for your plan is $75 p.. | 4 0.04 98.97 The deductible for your plan is $75 p.. | 6 0.06 99.03 The deductible for your plan is $75 p.. | 6 0.06 99.09 The following service is covered at t.. | 2 0.02 99.11 The following service is covered at t.. | 2 0.02 99.13 The following service is covered at t.. | 4 0.04 99.17 The following service is covered at t.. | 16 0.16 99.33 The following service is covered at t.. | 2 0.02 99.35 Treatment must begin within 90 days o.. | 42 0.42 99.77 Under this policy the following servi.. | 1 0.01 99.78 Under this policy the following servi.. | 1 0.01 99.79 Under this policy the following servi.. | 1 0.01 99.80 Under this policy the following servi.. | 1 0.01 99.81 Up to 90 day supply | 1 0.01 99.82 Up to a 30 day supply | 4 0.04 99.86 Up to a 90 day supply | 14 0.14 100.00 ----------------------------------------+----------------------------------- Total | 10,000 100.00 by Jean Roth , jroth@nber.org , 6 Oct 2016