Frequencies for first 10,000 rows of explanation variable in bencs2016 dataset : Benefit Explanation | Freq. Percent Cum. ----------------------------------------+----------------------------------- | 7,620 76.20 76.20 1 pair of lenses per year, 1 frame pe.. | 7 0.07 76.27 1 pair of lenses per year, 1 frame pe.. | 10 0.10 76.37 10 Visits per Calendar Year | 18 0.18 76.55 12 mo waiting period for age 19 and o.. | 6 0.06 76.61 24 month waiting period | 14 0.14 76.75 30 Days per Calendar Year | 18 0.18 76.93 6 mo waiting period for age 19 and ov.. | 6 0.06 76.99 Accidental dental is covered within t.. | 2 0.02 77.01 All emergency services will be reimbu.. | 57 0.57 77.58 All emergency services will be reimbu.. | 52 0.52 78.10 Combined annual benefit maximum | 24 0.24 78.34 Combined visit limit for all mental h.. | 2 0.02 78.36 Coverage up to the point of diagnosis.. | 18 0.18 78.54 Covered once per year for members und.. | 109 1.09 79.63 Covered only for medically necessary .. | 2 0.02 79.65 Exam, cleaning and fluoride covered o.. | 109 1.09 80.74 First 3 in-network office visits at t.. | 4 0.04 80.78 For clinic and outpatient services, t.. | 20 0.20 80.98 Humana complies with Federal Zero Cos.. | 34 0.34 81.32 Humana complies with Federal Zero Cos.. | 54 0.54 81.86 Includes crowns and dentures for memb.. | 109 1.09 82.95 Includes fillings, extractions and so.. | 60 0.60 83.55 Includes office visits by chiropracto.. | 109 1.09 84.64 Includes office visits by naturopaths | 105 1.05 85.69 Lenses and frames covered once per ye.. | 109 1.09 86.78 Limited to 12 visits per year for spi.. | 109 1.09 87.87 Limited to 12 visits per year. Other .. | 109 1.09 88.96 Limited to 60 days per year. Routine .. | 109 1.09 90.05 No services for ortho until on the pl.. | 20 0.20 90.25 Non-preferred, brand medications that.. | 109 1.09 91.34 Only covered in the case of Congenita.. | 17 0.17 91.51 Only covered when in treatment for di.. | 18 0.18 91.69 Physical, Occupational, and Speech Th.. | 17 0.17 91.86 Physical, Occupational, and Speech Th.. | 17 0.17 92.03 Physical, Occupational, and Speech Th.. | 36 0.36 92.39 Physical, occupational, or speech the.. | 109 1.09 93.48 Physical, occupational, speech or mas.. | 109 1.09 94.57 Preferred medications are clinically .. | 109 1.09 95.66 Quantitative limit units apply, see E.. | 109 1.09 96.75 Select tier includes generic medicati.. | 109 1.09 97.84 Specialty medications often require s.. | 109 1.09 98.93 The actual standard benefit limit is .. | 4 0.04 98.97 This is the most common benefit limit.. | 6 0.06 99.03 This is the most common benefit limit.. | 2 0.02 99.05 Treatment must begin within 90 days o.. | 17 0.17 99.22 Two-year exclusion period applies | 60 0.60 99.82 You pay 20% coinsurance after the app.. | 18 0.18 100.00 ----------------------------------------+----------------------------------- Total | 10,000 100.00 by Jean Roth , jroth@nber.org , 6 Oct 2016