Common use of Types of Coverage through the Establishment Clause in Contracts

Types of Coverage through the Establishment. The establishments in the PRPL file provide private health insurance covering hospital/physician, Medicare supplemental insurance, dental, vision, or prescription medication insurance. The variable PRIVCAT identifies the type of source for hospital and physician or Medicare supplemental insurance. HOSPINSX and MSUPINSX are edited establishment- policyholder flags for whether the policyholder has physician/hospital and Medigap coverage, respectively, through the establishment. However, even when PRIVCAT indicates there is either hospital/physician or Medigap coverage, both HOSPINSX and MSUPINSX may have missing values. Note also that both HOSPINSX and MSUPINSX may be coded “yes” (1) on the same record. DENTLINS, VISIONIN, and PMEDINS flags indicate the establishment provides coverage for dental care, vision care, and prescription medications, respectively. Below are examples of how to use these variables to identify types of insurance: Identifying Types of Insurance Variable and Values Hospital and physician or Medicare supplemental insurance PRIVCAT in (1,2,3,4,5,99) Medicare supplemental insurance MSUPINSX = 1 Hospital and physician insurance PRIVCAT in (1,2,3,4,5,99) & MSUPINSX ne 1 Dental insurance DENTLINS = 1 The variable COBRA is a flag for whether the respondent reported that the coverage was obtained through the requirements of the COBRA of 1986. This act requires that certain employers allow some former employees to continue their employment-based coverage by paying the employer the premium (U.S. Department of Labor). This flag does not, however, indicate all the coverage through former employers, which can be determined using TYPEFLAG and links to former jobs in the JOBS file. COBRA is set to “yes” if any of the three following conditions are met: 1. The respondent said insurance from a previous job is the source of coverage and the respondent answered yes to either HP14 or OE14 (depending on when the job ended): Some employer insurance can be continued after leaving the company by continuing to pay the premium. This is sometimes referred to as a COBRA plan. Is (POLICYHOLDER)’s (ESTABLISHMENT) insurance like that? Or Did that health insurance continue through COBRA? 2. The respondent said COBRA is the source of insurance through a self-insured firm with firm-size one (HX03) 3. The respondent said COBRA is the source of insurance not elsewhere reported (HX23) COBRA is set to “no” (2) when the insurance was not COBRA coverage. COBRA is set to “inapplicable” (-1) when the coverage was not employment-based, and when the coverage was through a current job. COBRA is set to “not ascertained” (-9) for retirement jobs first reported in the employment section in Round 1 (EM80), retirement jobs first reported in the employment section for new RU members (EM80), and insurance through unions reported in the insurance section (HX23).2 In a few cases, self-employed persons with firm size = 1 reported buying coverage through a previous job, and these cases are coded as yes or no, while other insurance through self-employment with firm size = 1 is coded “inapplicable.” The variable COVTYPIN flags whether coverage was single or family, based on the number of persons covered in the RU, whether the establishment’s insurance covers someone outside the household, and whether the policyholder is outside the household. For Panel 14 rounds 1 and 2, and Panel 13 rounds 3 and 4, the number of covered persons was measured at the time of the interview (or end of the reference period). For Panel 14 Round 3 and Panel 13 Round 5 the number is as of December 31st. Beginning in 2008, when coverage ceased before the end of the reference period for every co-residing family member, COVTYPIN is set based on the number of persons ever covered during the round.

Types of Coverage through the Establishment. The establishments in the PRPL file provide private health insurance covering hospital/physician, Medicare supplemental insurance, dental, vision, prescription medication, or prescription medication long-term care insurance. The variable PRIVCAT identifies the type of source for hospital and physician or Medicare supplemental insurance. HOSPINSX and MSUPINSX are edited establishment- policyholder flags for whether the policyholder has physician/hospital and Medigap medigap coverage, respectively, through the establishment. However, even when PRIVCAT indicates there is either hospital/physician or Medigap medigap coverage, both HOSPINSX and MSUPINSX may have missing values. Note also that both HOSPINSX and MSUPINSX may be coded “yes” (1) Ayes@ on the same record. DENTLINS, VISIONIN, PMEDINS, and PMEDINS LTCINS flags indicate the establishment provides coverage for dental care, vision care, and prescription medications, and long-term care, respectively. Below are examples of how to use these variables to identify types of insurance: Identifying Types of Insurance Variable and Values Hospital and physician or Medicare supplemental insurance PRIVCAT in (1,2,3,4,5,99) Medicare supplemental insurance MSUPINSX = 1 Hospital and physician insurance PRIVCAT in (1,2,3,4,5,99) & MSUPINSX ne 1 Dental insurance DENTLINS DNTLINS = 1 The variable COBRA is a flag for whether the respondent reported that the coverage was obtained through the requirements of the COBRA Consolidated Omnibus Budget Reconciliation Act (COBRA) of 1986. This act requires that certain employers allow some former employees to continue their employment-based coverage by paying the employer the premium (U.S. Department of LaborLabor 1999). This flag does not, however, indicate all the coverage through former employers, which can be determined using TYPEFLAG and links to former jobs in the JOBS file. COBRA is set to “yes” Ayes@ if any of the three following conditions are met: 1. The respondent said insurance from a previous job is the source of coverage and the respondent answered yes to either HP14 or OE14 (depending on when the job ended): Some employer insurance can be continued after leaving the company by continuing to pay the premium. This is sometimes referred to as a COBRA plan. Is (POLICYHOLDER)’s POLICYHOLDER)=s (ESTABLISHMENT) insurance like that? Or Did that health insurance continue through COBRA? 2. The respondent said COBRA is the source of insurance through a self-insured firm with firm-size one (HX03) 3. The respondent said COBRA is the source of insurance not elsewhere reported (HX23) COBRA is set to “no” (2) Ano@ when the insurance was not COBRA coverage. COBRA is set to “inapplicable” (-1) inapplicable when the coverage was not employment-based, and when the coverage was through a current job. COBRA is set to “not ascertained” (-9) Anot ascertained@ for retirement jobs first reported in the employment section in Round round 1 (EM80), retirement jobs first reported in the employment section for new RU members (EM80), and insurance through unions reported in the insurance section (HX23).2 In a few cases, self-employed persons with firm size = 1 reported buying coverage through a previous job, and these cases are coded as yes or no, while other insurance through self-employment with firm size = 1 is coded “inapplicable.” Ainapplicable.@ The variable COVTYPIN flags whether coverage was single or family, based on the number of persons covered in the RU, whether the establishment’s =s insurance covers someone outside the household, and whether the policyholder is outside the household. For Panel 14 5 rounds 1 and 2, and Panel 13 4 rounds 3 and 4, the number of covered persons was measured at the time of the interview (or end of the reference period). For Panel 14 Round 5 round 3 and Panel 13 Round 4 round 5 the number is as of December 31st. Beginning in 2008, when coverage ceased before the end of the reference period for every co-residing family member, COVTYPIN is set based on the number of persons ever covered during the round.

Types of Coverage through the Establishment. The establishments in the PRPL file provide private health insurance covering hospital/physician, Medicare supplemental insurance, dental, vision, or prescription medication insurance. The variable PRIVCAT identifies the type of source for hospital and physician or Medicare supplemental insurance. HOSPINSX and MSUPINSX are edited establishment- policyholder flags for whether the policyholder has physician/hospital and Medigap coverage, respectively, through the establishment. However, even when PRIVCAT indicates there is either hospital/physician or Medigap coverage, both HOSPINSX and MSUPINSX may have missing values. Note also that both HOSPINSX and MSUPINSX may be coded “yes” (1) on the same record. DENTLINS, VISIONIN, and PMEDINS flags indicate the establishment provides coverage for dental care, vision care, and prescription medications, respectively. Below are examples of how to use these variables to identify types of insurance: Identifying Types of Insurance Variable and Values Hospital and physician or Medicare supplemental insurance PRIVCAT in (1,2,3,4,5,991, 2, 3, 4, 5, 6, 99) Medicare supplemental insurance MSUPINSX = 1 Hospital and physician insurance PRIVCAT in (1,2,3,4,5,991, 2, 3, 4, 5, 6, 99) & MSUPINSX ne 1 Dental insurance DENTLINS = 1 The variable COBRA is a flag for whether the respondent reported that the coverage was obtained through the requirements of the COBRA of 1986. This act requires that certain employers allow some former employees to continue their employment-based coverage by paying the employer the premium (U.S. Department of Labor). This flag does not, however, indicate all the coverage through former employers, which can be determined using TYPEFLAG and links to former jobs in the JOBS file. COBRA is set to “yes” if any of the three following conditions are met: 1. The respondent said insurance from a previous job is the source of coverage and the respondent answered yes to either HP14 or OE14 (depending on when the job ended): Some employer insurance can be continued after leaving the company by continuing to pay the premium. This is sometimes referred to as a COBRA plan. Is {Is/Was} (POLICYHOLDER)’s (ESTABLISHMENT) insurance like thatthat {on (END DATE)}? Or Did that health insurance continue through COBRA? 2. The respondent said COBRA is the source of insurance through a self-insured firm with firm-size one = 1 (HX03) 3. The respondent said COBRA is the source of insurance not elsewhere reported (HX23) COBRA is set to “no” (2) when the insurance was not COBRA coverage. COBRA is set to “inapplicable” (-1) when the coverage was not employment-based, and when the coverage was through a current job. COBRA is set to “not ascertained” (-9) for retirement jobs first reported in the employment section in Round 1 (EM80), retirement jobs first reported in the employment section for new RU members (EM80), and insurance through unions reported in the insurance section (HX23).2 In a few cases, self-employed persons with firm firm-size = 1 reported buying coverage through a previous job, and these cases are coded as yes or no, while other insurance through self-employment with firm firm-size = 1 is coded “inapplicable.” The variable COVTYPIN flags whether coverage was single or family, based on the number of persons covered in the RU, whether the establishment’s insurance covers someone outside the household, and whether the policyholder is outside the household. For Panel 14 rounds 20 Rounds 1 and 2, and Panel 13 rounds 19 Rounds 3 and 4, the number of covered persons was measured at the time of the interview (or end of the reference period). For Panel 14 20 Round 3 and Panel 13 19 Round 5 5, the number is as of December 31st. Beginning in 2008with the 2010 data, when coverage ceased before the end of the reference period for every co-residing family member, COVTYPIN is set based on the number of persons ever covered during the round. The variable COVROUT indicates whether out-of-RU persons were covered by the plan.

Types of Coverage through the Establishment. The establishments in the PRPL file provide private health insurance covering hospital/physician, Medicare supplemental insurance, dental, vision, or prescription medication insurance. The variable PRIVCAT identifies the type of source for hospital and physician or Medicare supplemental insurance. HOSPINSX and MSUPINSX are edited establishment- policyholder flags for whether the policyholder has physician/hospital and Medigap medigap coverage, respectively, through the establishment. However, even when PRIVCAT indicates there is either hospital/physician or Medigap medigap coverage, both HOSPINSX and MSUPINSX may have missing values. Note also that both HOSPINSX and MSUPINSX may be coded “yes” (1) ’ on the same record. DENTLINS, VISIONIN, and PMEDINS flags indicate the establishment provides coverage for dental care, vision care, and prescription medications, respectively. Below are examples of how to use these variables to identify types of insurance: Identifying Types of Insurance Variable and Values Hospital and physician or Medicare supplemental insurance PRIVCAT in (1,2,3,4,5,99) Medicare supplemental insurance MSUPINSX = 1 Hospital and physician insurance PRIVCAT in (1,2,3,4,5,99) & MSUPINSX ne 1 Dental insurance DENTLINS = 1 The variable COBRA is a flag for whether the respondent reported that the coverage was obtained through the requirements of the COBRA of 1986. This act requires that certain employers allow some former employees to continue their employment-based coverage by paying the employer the premium (U.S. Department of LaborLabor 2006). This flag does not, however, indicate all the coverage through former employers, which can be determined using TYPEFLAG and links to former jobs in the JOBS file. COBRA is set to “yes” if any of the three following conditions are met: 1. The respondent said insurance from a previous job is the source of coverage and the respondent answered yes to either HP14 or OE14 (depending on when the job ended): Some employer insurance can be continued after leaving the company by continuing to pay the premium. This is sometimes referred to as a COBRA plan. Is (POLICYHOLDER)’s (ESTABLISHMENT) insurance like that? Or Did that health insurance continue through COBRA? 2. The respondent said COBRA is the source of insurance through a self-insured firm with firm-size one (HX03) 3. The respondent said COBRA is the source of insurance not elsewhere reported (HX23) COBRA is set to “no” (2) when the insurance was not COBRA coverage. COBRA is set to “inapplicable” (-1) when the coverage was not employment-based, and when the coverage was through a current job. COBRA XXXXX is set to “not ascertained” (-9) for retirement jobs first reported in the employment section in Round 1 (EM80), retirement jobs first reported in the employment section for new RU members (EM80), and insurance through unions reported in the insurance section (HX23).2 In a few cases, self-employed persons with firm size = 1 reported buying coverage through a previous job, and these cases are coded as yes or no, while other insurance through self-employment with firm size = 1 is coded “inapplicable.” The variable COVTYPIN flags whether coverage was single or family, based on the number of persons covered in the RU, whether the establishment’s insurance covers someone outside the household, and whether the policyholder is outside the household. For Panel 14 12 rounds 1 and 2, and Panel 13 11 rounds 3 and 4, the number of covered persons was measured at the time of the interview (or end of the reference period). For Panel 14 12 Round 3 and Panel 13 11 Round 5 the number is as of December 31st. Beginning in 2008, when coverage ceased before the end of the reference period for every co-residing family member, COVTYPIN is set based on the number of persons ever covered during the round.

Types of Coverage through the Establishment. The establishments in the PRPL file provide private health insurance covering hospital/physician, Medicare supplemental insurance, dental, vision, or prescription medication insurance. The variable PRIVCAT identifies the type of source for hospital and physician or Medicare supplemental insurance. HOSPINSX and MSUPINSX are edited establishment- policyholder flags for whether the policyholder has physician/hospital and Medigap coverage, respectively, through the establishment. However, even when PRIVCAT indicates there is either hospital/physician or Medigap coverage, both HOSPINSX and MSUPINSX may have missing values. Note also that both HOSPINSX and MSUPINSX may be coded “yes” (1) on the same record. DENTLINS, VISIONIN, and PMEDINS flags indicate the establishment provides coverage for dental care, vision care, and prescription medications, respectively. Below are examples of how to use these variables to identify types of insurance: Identifying Types of Insurance Variable and Values Hospital and physician or Medicare supplemental insurance PRIVCAT in (1,2,3,4,5,99) Medicare supplemental insurance MSUPINSX = 1 Hospital and physician insurance PRIVCAT in (1,2,3,4,5,99) & MSUPINSX ne 1 Dental insurance DENTLINS = 1 The variable COBRA is a flag for whether the respondent reported that the coverage was obtained through the requirements of the COBRA of 1986. This act requires that certain employers allow some former employees to continue their employment-based coverage by paying the employer the premium (U.S. Department of Labor). This flag does not, however, indicate all the coverage through former employers, which can be determined using TYPEFLAG and links to former jobs in the JOBS file. COBRA is set to “yes” if any of the three following conditions are met: 1. The respondent said insurance from a previous job is the source of coverage and the respondent answered yes to either HP14 or OE14 (depending on when the job ended): Some employer insurance can be continued after leaving the company by continuing to pay the premium. This is sometimes referred to as a COBRA plan. Is (POLICYHOLDER)’s (ESTABLISHMENT) insurance like that? Or Did that health insurance continue through COBRA?Or 2. The respondent said COBRA is the source of insurance through a self-insured firm with firm-size one (HX03) 3. The respondent said COBRA is the source of insurance not elsewhere reported (HX23) COBRA is set to “no” (2) when the insurance was not COBRA coverage. COBRA is set to “inapplicable” (-1) when the coverage was not employment-based, and when the coverage was through a current job. COBRA is set to “not ascertained” (-9) for retirement jobs first reported in the employment section in Round 1 (EM80), retirement jobs first reported in the employment section for new RU members (EM80), and insurance through unions reported in the insurance section (HX23).2 In a few cases, self-employed persons with firm size = 1 reported buying coverage through a previous job, and these cases are coded as yes or no, while other insurance through self-employment with firm size = 1 is coded “inapplicable.” The variable COVTYPIN flags whether coverage was single or family, based on the number of persons covered in the RU, whether the establishment’s insurance covers someone outside the household, and whether the policyholder is outside the household. For Panel 14 15 rounds 1 and 2, and Panel 13 14 rounds 3 and 4, the number of covered persons was measured at the time of the interview (or end of the reference period). For Panel 14 15 Round 3 and Panel 13 14 Round 5 the number is as of December 31st. Beginning in 2008with the 2010 data, when coverage ceased before the end of the reference period for every co-residing family member, COVTYPIN is set based on the number of persons ever covered during the round. The variable COVROUT indicates whether out-of-RU persons were covered by the plan.

Types of Coverage through the Establishment. The establishments in the PRPL file provide private health insurance covering hospital/physician, Medicare supplemental insurance, dental, vision, prescription medication, or prescription medication long-term care insurance. The variable PRIVCAT identifies the type of source for hospital and physician or Medicare supplemental insurance. HOSPINSX and MSUPINSX are edited establishment- policyholder flags for whether the policyholder has physician/hospital and Medigap medigap coverage, respectively, through the establishment. However, even when PRIVCAT indicates there is either hospital/physician or Medigap medigap coverage, both HOSPINSX and MSUPINSX may have missing values. Note also that both HOSPINSX and MSUPINSX may be coded “yes” (1) Ayes@ on the same record. DENTLINS, VISIONIN, PMEDINS, and PMEDINS LTCINS flags indicate the establishment provides coverage for dental care, vision care, and prescription medications, and long-term care, respectively. Below are examples of how to use these variables to identify types of insurance: Identifying Types of Insurance Variable and Values Hospital and physician or Medicare supplemental insurance PRIVCAT in (1,2,3,4,5,99) Medicare supplemental insurance MSUPINSX = 1 Hospital and physician insurance PRIVCAT in (1,2,3,4,5,99) & MSUPINSX ne 1 Dental insurance DENTLINS DNTLINS = 1 The variable COBRA is a flag for whether the respondent reported that the coverage was obtained through the requirements of the COBRA Consolidated Omnibus Budget Reconciliation Act (COBRA) of 1986. This act requires that certain employers allow some former employees to continue their employment-based coverage by paying the employer the premium (U.S. Department of LaborLabor 1999). This flag does not, however, indicate all the coverage through former employers, which can be determined using TYPEFLAG and links to former jobs in the JOBS file. COBRA is set to “yes” Ayes@ if any of the three following conditions are met: 1. The respondent said insurance from a previous job is the source of coverage and the respondent answered yes to either HP14 or OE14 (depending on when the job ended): Some employer insurance can be continued after leaving the company by continuing to pay the premium. This is sometimes referred to as a COBRA plan. Is (POLICYHOLDER)’s POLICYHOLDER)=s (ESTABLISHMENT) insurance like that? Or Did that health insurance continue through COBRA? 2. The respondent said COBRA is the source of insurance through a self-insured firm with firm-size one (HX03) 3. The respondent said COBRA is the source of insurance not elsewhere reported (HX23) COBRA is set to “no” (2) Ano@ when the insurance was not COBRA coverage. COBRA is set to “inapplicable” (-1) inapplicable when the coverage was not employment-based, and when the coverage was through a current job. COBRA XXXXX is set to “not ascertained” (-9) Anot ascertained@ for retirement jobs first reported in the employment section in Round round 1 (EM80), retirement jobs first reported in the employment section for new RU members (EM80), and insurance through unions reported in the insurance section (HX23).2 In a few cases, self-employed persons with firm size = 1 reported buying coverage through a previous job, and these cases are coded as yes or no, while other insurance through self-employment with firm size = 1 is coded “inapplicable.” Ainapplicable.@ The variable COVTYPIN flags whether coverage was single or family, based on the number of persons covered in the RU, whether the establishment’s =s insurance covers someone outside the household, and whether the policyholder is outside the household. For Panel 14 4 rounds 1 and 2, and Panel 13 3 rounds 2, 3 and 4, the number of covered persons was measured at the time of the interview (or end of the reference period). For Panel 14 Round 4 round 3 and Panel 13 Round 3 round 5 the number is as of December 31st. Beginning in 2008, when coverage ceased before the end of the reference period for every co-residing family member, COVTYPIN is set based on the number of persons ever covered during the round.

Types of Coverage through the Establishment. The establishments in the PRPL file provide private health insurance covering hospital/physician, Medicare supplemental insurance, dental, vision, or prescription medication insurance. The variable PRIVCAT identifies the type of source for hospital and physician or Medicare supplemental insurance. HOSPINSX and MSUPINSX are edited establishment- establishment-policyholder flags for whether the policyholder has physician/hospital and Medigap medigap coverage, respectively, through the establishment. However, even when PRIVCAT indicates there is either hospital/physician or Medigap medigap coverage, both HOSPINSX and MSUPINSX may have missing values. Note also that both HOSPINSX and MSUPINSX may be coded “yes” (1) ’ on the same record. DENTLINS, VISIONIN, and PMEDINS flags indicate the establishment provides coverage for dental care, vision care, and prescription medications, respectively. Below are examples of how to use these variables to identify types of insurance: Identifying Types of Insurance Variable and Values Hospital and physician or Medicare supplemental insurance PRIVCAT in (1,2,3,4,5,99) Medicare supplemental insurance MSUPINSX = 1 Hospital and physician insurance PRIVCAT in (1,2,3,4,5,99) & MSUPINSX ne 1 Dental insurance DENTLINS DNTLINS = 1 The variable COBRA is a flag for whether the respondent reported that the coverage was obtained through the requirements of the COBRA of 1986. This act requires that certain employers allow some former employees to continue their employment-based coverage by paying the employer the premium (U.S. Department of LaborLabor 1999). This flag does not, however, indicate all the coverage through former employers, which can be determined using TYPEFLAG and links to former jobs in the JOBS file. COBRA is set to “yes” if any of the three following conditions are met: 1. The respondent said insurance from a previous job is the source of coverage and the respondent answered yes to either HP14 or OE14 (depending on when the job ended): Some employer insurance can be continued after leaving the company by continuing to pay the premium. This is sometimes referred to as a COBRA plan. Is (POLICYHOLDER)’s ’ s (ESTABLISHMENT) insurance like that? Or Did that health insurance continue through COBRA? 2. The respondent said COBRA is the source of insurance through a self-insured firm with firm-size one (HX03) 3. The respondent said COBRA is the source of insurance not elsewhere reported (HX23) COBRA is set to “no” (2) when the insurance was not COBRA coverage. COBRA is set to “inapplicable” (-1) when the coverage was not employment-based, and when the coverage was through a current job. COBRA XXXXX is set to “not ascertained” (-9) for retirement jobs first reported in the employment section in Round round 1 (EM80), retirement jobs first reported in the employment section for new RU members (EM80), and insurance through unions reported in the insurance section (HX23).2 In a few cases, self-employed persons with firm size = 1 reported buying coverage through a previous job, and these cases are coded as yes or no, while other insurance through self-employment with firm size = 1 is coded “inapplicable.” 2In these three cases, the survey was not designed to ascertain whether the coverage was COBRA or not, but the variable is coded as “not ascertained” to help analysts. The variable COVTYPIN flags whether coverage was single or family, based on the number of persons covered in the RU, whether the establishment’s insurance covers someone outside the household, and whether the policyholder is outside the household. For Panel 14 8 rounds 1 and 2, and Panel 13 7 rounds 3 and 4, the number of covered persons was measured at the time of the interview (or end of the reference period). For Panel 14 Round 8 round 3 and Panel 13 Round 7 round 5 the number is as of December 31st. Beginning in 2008, when coverage ceased before the end of the reference period for every co-residing family member, COVTYPIN is set based on the number of persons ever covered during the round.

Types of Coverage through the Establishment. The establishments in the PRPL file provide private health insurance covering hospital/physician, Medicare supplemental insurance, dental, vision, or prescription medication insurance. The variable PRIVCAT identifies the type of source for hospital and physician or Medicare supplemental insurance. HOSPINSX and MSUPINSX are edited establishment- policyholder flags for whether the policyholder has physician/hospital and Medigap coverage, respectively, through the establishment. However, even when PRIVCAT indicates there is either hospital/physician or Medigap coverage, both HOSPINSX and MSUPINSX may have missing values. Note also that both HOSPINSX and MSUPINSX may be coded “yes” (1) on the same record. DENTLINS, VISIONIN, and PMEDINS flags indicate the establishment provides coverage for dental care, vision care, and prescription medications, respectively. Below are examples of how to use these variables to identify types of insurance: Identifying Types of Insurance Variable and Values Hospital and physician or Medicare supplemental insurance PRIVCAT in (1,2,3,4,5,991, 2, 3, 4, 5, 99) Medicare supplemental insurance MSUPINSX = 1 Hospital and physician insurance PRIVCAT in (1,2,3,4,5,991, 2, 3, 4, 5, 99) & MSUPINSX ne 1 Dental insurance DENTLINS = 1 The variable COBRA is a flag for whether the respondent reported that the coverage was obtained through the requirements of the COBRA of 1986. This act requires that certain employers allow some former employees to continue their employment-based coverage by paying the employer the premium (U.S. Department of Labor). This flag does not, however, indicate all the coverage through former employers, which can be determined using TYPEFLAG and links to former jobs in the JOBS file. COBRA is set to “yes” if any of the three following conditions are met: 1. The respondent said insurance from a previous job is the source of coverage and the respondent answered yes to either HP14 or OE14 (depending on when the job ended): Some employer insurance can be continued after leaving the company by continuing to pay the premium. This is sometimes referred to as a COBRA plan. Is {Is/Was} (POLICYHOLDER)’s (ESTABLISHMENT) insurance like thatthat {on (END DATE)}? Or Did that health insurance continue through COBRA?Or 2. The respondent said COBRA is the source of insurance through a self-insured firm with firm-size one (HX03) 3. The respondent said COBRA is the source of insurance not elsewhere reported (HX23) COBRA is set to “no” (2) when the insurance was not COBRA coverage. COBRA is set to “inapplicable” (-1) when the coverage was not employment-based, and when the coverage was through a current job. COBRA is set to “not ascertained” (-9) for retirement jobs first reported in the employment section in Round 1 (EM80), retirement jobs first reported in the employment section for new RU members (EM80), and insurance through unions reported in the insurance section (HX23).2 In a few cases, self-employed persons with firm size = 1 reported buying coverage through a previous job, and these cases are coded as yes or no, while other insurance through self-employment with firm size = 1 is coded “inapplicable.” The variable COVTYPIN flags whether coverage was single or family, based on the number of persons covered in the RU, whether the establishment’s insurance covers someone outside the household, and whether the policyholder is outside the household. For Panel 14 rounds 18 Rounds 1 and 2, and Panel 13 rounds 17 Rounds 3 and 4, the number of covered persons was measured at the time of the interview (or end of the reference period). For Panel 14 18 Round 3 and Panel 13 17 Round 5 the number is as of December 31st. Beginning in 2008with the 2010 data, when coverage ceased before the end of the reference period for every co-residing family member, COVTYPIN is set based on the number of persons ever covered during the round. The variable COVROUT indicates whether out-of-RU persons were covered by the plan.

Types of Coverage through the Establishment. The establishments in the PRPL file provide private health insurance covering hospital/physician, Medicare supplemental insurance, dental, vision, or prescription medication insurance. The variable PRIVCAT identifies the type of source for hospital and physician or Medicare supplemental insurance. HOSPINSX and MSUPINSX are edited establishment- policyholder flags for whether the policyholder has physician/hospital and Medigap coverage, respectively, through the establishment. However, even when PRIVCAT indicates there is either hospital/physician or Medigap coverage, both HOSPINSX and MSUPINSX may have missing values. Note also that both HOSPINSX and MSUPINSX may be coded “yes” (1) on the same record. DENTLINS, VISIONIN, and PMEDINS flags indicate the establishment provides coverage for dental care, vision care, and prescription medications, respectively. Below are examples of how to use these variables to identify types of insurance: Identifying Types of Insurance Variable and Values Hospital and physician or Medicare supplemental insurance PRIVCAT in (1,2,3,4,5,991, 2, 3, 4, 5, 6, 99) Medicare supplemental insurance MSUPINSX = 1 Hospital and physician insurance PRIVCAT in (1,2,3,4,5,991, 2, 3, 4, 5, 6, 99) & MSUPINSX ne 1 Dental insurance DENTLINS = 1 The variable COBRA is a flag for whether the respondent reported that the coverage was obtained through the requirements of the COBRA of 1986. This act requires that certain employers allow some former employees to continue their employment-based coverage by paying the employer the premium (U.S. Department of Labor). This flag does not, however, indicate all the coverage through former employers, which can be determined using TYPEFLAG and links to former jobs in the JOBS file. COBRA is set to “yes” if any of the three following conditions are met: 1. The respondent said insurance from a previous job is the source of coverage and the respondent answered yes to either HP14 or OE14 (depending on when the job ended): Some employer insurance can be continued after leaving the company by continuing to pay the premium. This is sometimes referred to as a COBRA plan. Is {Is/Was} (POLICYHOLDER)’s (ESTABLISHMENT) insurance like thatthat {on (END DATE)}? Or Did that health insurance continue through COBRA? 2. The respondent said COBRA is the source of insurance through a self-insured firm with firm-size one = 1 (HX03) 3. The respondent said COBRA is the source of insurance not elsewhere reported (HX23) COBRA is set to “no” (2) when the insurance was not COBRA coverage. COBRA is set to “inapplicable” (-1) when the coverage was not employment-based, and when the coverage was through a current job. COBRA is set to “not ascertained” (-9) for retirement jobs first reported in the employment section in Round 1 (EM80), retirement jobs first reported in the employment section for new RU members (EM80), and insurance through unions reported in the insurance section (HX23).2 In a few cases, self-employed persons with firm firm-size = 1 reported buying coverage through a previous job, and these cases are coded as yes or no, while other insurance through self-employment with firm firm-size = 1 is coded “inapplicable.” The variable COVTYPIN flags whether coverage was single or family, based on the number of persons covered in the RU, whether the establishment’s insurance covers someone outside the household, and whether the policyholder is outside the household. For Panel 14 rounds 21 Rounds 1 and 2, and Panel 13 rounds 20 Rounds 3 and 4, the number of covered persons was measured at the time of the interview (or end of the reference period). For Panel 14 21 Round 3 and Panel 13 20 Round 5 5, the number is as of December 31st. Beginning in 2008with the 2010 data, when coverage ceased before the end of the reference period for every co-residing family member, COVTYPIN is set based on the number of persons ever covered during the round. The variable COVROUT indicates whether out-of-RU persons were covered by the plan.

Types of Coverage through the Establishment. The establishments in the PRPL file provide private health insurance covering hospital/physician, Medicare supplemental insurance, dental, vision, or prescription medication insurance. The variable PRIVCAT identifies the type of source for hospital and physician or Medicare supplemental insurance. HOSPINSX and MSUPINSX are edited establishment- policyholder flags for whether the policyholder has physician/hospital and Medigap coverage, respectively, through the establishment. However, even when PRIVCAT indicates there is either hospital/physician or Medigap coverage, both HOSPINSX and MSUPINSX may have missing values. Note also that both HOSPINSX and MSUPINSX may be coded “yes” (1) on the same record. DENTLINS, VISIONIN, and PMEDINS flags indicate the establishment provides coverage for dental care, vision care, and prescription medications, respectively. Below are examples of how to use these variables to identify types of insurance: Identifying Types of Insurance Variable and Values Hospital and physician or Medicare supplemental insurance PRIVCAT in (1,2,3,4,5,991, 2, 3, 4, 5, 99) Medicare supplemental insurance MSUPINSX = 1 Hospital and physician insurance PRIVCAT in (1,2,3,4,5,991, 2, 3, 4, 5, 99) & MSUPINSX ne 1 Dental insurance DENTLINS = 1 The variable COBRA is a flag for whether the respondent reported that the coverage was obtained through the requirements of the COBRA of 1986. This act requires that certain employers allow some former employees to continue their employment-based coverage by paying the employer the premium (U.S. Department of Labor). This flag does not, however, indicate all the coverage through former employers, which can be determined using TYPEFLAG and links to former jobs in the JOBS file. COBRA is set to “yes” if any of the three following conditions are met: 1. The respondent said insurance from a previous job is the source of coverage and the respondent answered yes to either HP14 or OE14 (depending on when the job ended): Some employer insurance can be continued after leaving the company by continuing to pay the premium. This is sometimes referred to as a COBRA plan. Is {Is/Was} (POLICYHOLDER)’s (ESTABLISHMENT) insurance like thatthat {on (END DATE)}? Or Did that health insurance continue through COBRA?Or 2. The respondent said COBRA is the source of insurance through a self-insured firm with firm-size one (HX03) 3. The respondent said COBRA is the source of insurance not elsewhere reported (HX23) COBRA is set to “no” (2) when the insurance was not COBRA coverage. COBRA is set to “inapplicable” (-1) when the coverage was not employment-based, and when the coverage was through a current job. COBRA is set to “not ascertained” (-9) for retirement jobs first reported in the employment section in Round 1 (EM80), retirement jobs first reported in the employment section for new RU members (EM80), and insurance through unions reported in the insurance section (HX23).2 In a few cases, self-employed persons with firm size = 1 reported buying coverage through a previous job, and these cases are coded as yes or no, while other insurance through self-employment with firm size = 1 is coded “inapplicable.” The variable COVTYPIN flags whether coverage was single or family, based on the number of persons covered in the RU, whether the establishment’s insurance covers someone outside the household, and whether the policyholder is outside the household. For Panel 14 rounds 17 Rounds 1 and 2, and Panel 13 rounds 16 Rounds 3 and 4, the number of covered persons was measured at the time of the interview (or end of the reference period). For Panel 14 17 Round 3 and Panel 13 16 Round 5 the number is as of December 31st. Beginning in 2008with the 2010 data, when coverage ceased before the end of the reference period for every co-residing family member, COVTYPIN is set based on the number of persons ever covered during the round. The variable COVROUT indicates whether out-of-RU persons were covered by the plan.