72  ·  Survey Results:  Survey Questions And Responses
Maximum out of pocket for family coverage N=17
Minimum Maximum Mean Median Std Dev
0 8,000 2,500 3,000 2633.12
0 7
3,000 4
4,000 2
6,000 2
8,000 1
unlimited 1
Participating Provider Option (PPO): A PPO is a program where an insurance company and medical groups enter into agreements in
which they agree to the prices for specific services, such as an office visit or lab work or imaging services. Providers typically accept
reduced rates of reimbursement from the health plan in exchange for access to the PPO’s enrollees. If patients choose to receive care
from providers who do not participate in the PPO, they pay higher copayments and deductibles because the services are from non-
participating providers.
50. Are library staff offered a PPO option? N=52
Yes 38 73%
No 14 27%
If you answered Yes, please answer the following questions.
If you answered No, please continue to the Point-of-Service Program section of the survey.
A high deductible health plan (AKA consumer driven insurance) is a health plan with lower premiums and a higher deductible for
major care, like hospitalization or surgery.
51. Is a high deductable version of the PPO offered to library staff? N=36
Yes 14 39%
No 22 61%
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